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

I have now had three inquiries from XXXX on my credit report. I have never used or interacted with XXXX XXXX company at all. How do I prevent this from continuing to happen??
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted FICO/Experian/XXXX  numerous times without a response. My FICO score dropped 100 points in one month with ZERO changes from prior  months. To be clear no new debt no new loans no late payments and no new credit inquiries. 

This is happening across the board with many individuals. This can not continue to happen and will only stop when accountability is put into place. 

BTW ... When did the consumer become so helpless? 

This happened XX/XX/2020.
Product: Credit card or prepaid card

I applied for a credit card with Barclay as a result of seeing it on the XXXX website, thinking it indicated XXXX endorsement. After a considerable amount of time ( several weeks ) when I never heard back from Barclay and reached out via phone I spoke with someone who gave identification as " XXXX '' - and ID " XXXX '' who referred me to a website that merely stated I had been turned down. I asked for the rationale and was told it would come via letter, and when I asked to speak to a supervisor, my request was turned down ( rudely ), and I was told those who are turned down can not speak with any other representative in the company. Having worked for more than 50 years, I found that unimaginable but my request was denied several times. 
In the intervening week since that encounter I still have not received " a letter '' indicating the reasoning, nor an email. I checked my credit status with XXXX and have exceptional credit rating, so I am extremely frustrated, confused and resentful that I shared extensive personal financial information during the application process and now have received an abrupt rebuff with no rationale nor individual with whom to speak. 
I reported all this to XXXX, received a case number ( XXXX ) from them and explained that I still have no information from either source of the problem. The representative from XXXX just repeated they have no information. I tried to reach out to the CEO of XXXX ( XXXX XXXX XXXX ) and have prepared a letter to be mailed because there is no phone number nor email listed for her on their website. and will mail a receipt- requested letter as soon as I can get to the post office pending covid considerations. 
Thank you for your assistance in this matter. I appreciate any help or guidance you can provide.
Product: Debt collection

This company put a collection on my credit report which has already been removed and has a police report attached to it for the result of identity theft. This company is claiming I owe a amount of {$4700.00}. This company is not the originator of the proclaimed debt. By law this debt collector is breaking the law by attempting to collect a debt that they did not originate.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, especially now that Zelle is being sued. Despite using Zelle numerous times and reporting my descrepancies, my bank and Zelle failed to properly investigate my claims. They informed me tracking lost funds were impossible and tracking my funds were unfeasable. The cfpb findings indicate that Zelle 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 brings concerns to consumers safety
Product: Debt collection

Executive Credit Management , Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX sent a collection letter to my home for my daughters father. I called them to find out what this was about. They were very aggressive and rude on the phone and insisted that I owe for this debt. The woman on the phone wouldn't let me speak so I hung up. I immediately wrote a letter disputing the debt and notifying them of the address they should be mailing. Months later they sent me another letter, to my daughters father, stating that again, I owe this money. They are going to sue me. They are going to put a lien on everything I have, they will make me pay for their attorney fees and litigation costs. They are harassing me. This is not okay.
Product: Debt collection

CMRE Financial Services ( collection agency ) has classified my account with them as in Default, however I have proof of payment via my HSA with XXXX XXXX XXXX that my payments which actually exceed the amount agreed upon, were in fact mailed to them within the XXXX days of last payment. Their letter is generated when payments have not been received with the XXXX days. However, I have mailed them XXXX payments, XXXX of which were within the time indicated but the agency has not cashed XXXX out of the XXXX checks or posted them to my account. I called their account specialist, who just wanted to over talk me and repeat that they do n't have my payment. I have copies of the checks that were sent to them by XXXX XXXX XXXX. Do I have any rights, even when an account is in collections to expect that my payments are accurately posted and in a timely manner? 
Thanks you for your assistance, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these accounts ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report. Please don't ignore my request to repair the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Despite the multiple previous written requests, the items listed below still remain on my credit report in violation of Federal Law. Experian failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX, XXXX XXXX XXXX )
Product: Debt collection

On or about XX/XX/XXXX  I received a letter from a company called Harris & Harris claiming that I owed a Illinois state tax debt in the amount of {$1000.00}, Interest in the amount of {$100.00}, a penalty in the amount of {$260.00} and a " collection fee '' in the amount of {$220.00}. 

My first complaint is that this was the first correspondence from this company and in violation of the Fair Debt Collections Practices Act, the company never once stated in that correspondence that I could ask for verification of this alleged debt, which this debt collector was obligated to inform me of. Instead this company lied stating " This matter is serious and must be resolved immediately '' which is untrue as I have 30 days to ask for verification of the alleged debt, including the amount and the company must respond before taking any actions. Harris and Harris knows this yet choose to violate the law. 

My second complaint, is that all of the " alleged '' debt amounts is incorrect, which Harris & Harris is aware of.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report that your company publishes and after reviewing it I found a few items on the report that are inaccurate. The accounts in question are listed below XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Product: Credit reporting or other personal consumer reports

HERE IS MY REPORT OF IDENTITY THEFT AND FRAUD I would like everything that i have asked for be removed since i have provided the requested information, and they did not have my written permission to furnish my consumer report, and do not have the right to report this unlawful incorrect information. A written consent as of the " FCRA '' I never gave written consent to any of those accounts.
Product: Debt collection

I am writing to you to address a matter of significant concern regarding the late payments erroneously listed on my credit report maintained by your bureau. Upon reviewing my credit report, I discovered several entries indicating late payments that do not accurately reflect my payment history. I kindly request the immediate correction of these inaccuracies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am rewriting to formally refile a complaint against COMENITYCB regarding the inclusion of inaccurate and fraudulent accounts on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ) and CFPB regulations. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, TX XXXX. My date of birth is XX/XX/year>, and my Social Security Number is XXXX. Upon reviewing my COMENITYCB credit report, I discovered several inaccuracies and fraudulent accounts. There are fraudulent accounts on my report, included in my credit reports. I did not open the account and was not informed about it beforehand, indicating it was established without my consent. I have already taken steps to address these issues by contacting COMENITYCB directly. I submitted a dispute and provided supporting documentation, such as drivers license, ssn card, proof of address and FTC report XXXX. Despite these efforts, the inaccuracies and fraudulent accounts have not been removed from my credit report, significantly impacting my creditworthiness and financial stability. I am requesting that the CFPB intervene to ensure that these inaccurate and fraudulent accounts are promptly removed from my COMENITYCB credit report. Additionally, I seek written confirmation from COMENITYCB once these accounts have been corrected. I also ask the CFPB to investigate COMENITYCB handling of my dispute and its adherence to FCRA and CFPB rules.
Product: Vehicle loan or lease

I bought a car from US Auto sales. And then I was making my regular payment and the cut my car off 3 times over charged me and now my car has been repossessed because I didnt know who to pay my car note too. Can I sue them?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft. I had request those accounts to be block under Consumer 605B Blocking. I had sent Letter of CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And Identity theft police report. Now after number of request by me XXXX  and XXXX  are the only 2 bureaus that had not block or remove any of those 3 account that had been open by identity theft. and not fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act, I had a furnisher of information to a consumer reporting agency all bureaus and XXXX  and XXXX  are the only one that had violates the FCRA, I will beginning file lawsuit in state or federal court again XXXX  and XXXX  it those 3 account don't get remove or block.
Product: Money transfer, virtual currency, or money service

I am trying withdraw my XXXX XXXX XXXX crypto money and the company will not prcoess the transaction. They claim I have hit my daily limit which I have not. Their other wallet named XXXX has no limits and conveniently for them it also will not process a withdrawal unless it's a transfer to metal pay their other platform. The total amount id over XXXX. I have tried many withdrawals in small amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a dispute with Experian regarding the XXXX XXXX Account XXXX negatively reporting to my Experian Credit File. In my dispute, I included court documents submitted by XXXX XXXX and ordered by the judge of a FULL RELEASE, SATISFACTION, AND TO VACATE JUDGMENT. 
However, Experian failed to properly conduct an investigation into the validity of this debt. To truly investigate this dispute, they would have had to review the documents I supplied, which included a court order fully releasing me from all liability for this debt. So either they did investigate this debt and chose to violate court orders, or they failed to truly investigate this debt as legally required. In either scenario, Experian has violated my consumer rights and failed to comply with legal requirements. 

Experian 's response to my initial CFPB complaint failed to address any of the issues raised and failed to state what sort of investigation was undertaken or make mention of any of the provided court orders. 

The investigation also violated the allowed timeframe, taking almost 60 days. This is more than the allowed 30 days, and a further violation of consumer credit statutes and DTPA regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

n XX/XX/XXXX I received an ALERT from Experian. I immediately signed on to my account to verify information from the alert, There was a collection from XXXX XXXX for a XXXX account from XX/XX/XXXX.I contacted XXXX at that time to ask why hadn't I received a notice from them before reporting to the Credit Bureaus. Upon talking to XXXX the XXXX XXXX. I learned a letter was mailed out, so I asked what address did she mail it to, at that point she gave me the wrong address so then I told her I would contact XXXX for further investigation and I mentioned to her I would dispute this account due to those reasons. Well XXXX decided to report my account AGAIN days later and added the comment that I disputed it which was UNTRUE as of today I have NOT disputed anything.I also mentioned to her there are Rules and Rights before taking matters into your own hands. In XX/XX/XXXX I had 2 XXXX, 2 cell phones and 2 watches. Due to the High Prices XXXX was charging I was able to get a lower price at XXXX XXXX XXXX. I upgraded my devices when I did the switch. Being in a contract with XXXX  for 2 years those devices should have been paid off actually. On XX/XX/XXXX I contacted XXXX to update my email and mailing address, Just in case I did have a balance and they could forward me the balance. According to what is was if I was able to pay out right I would have if not I could have made payment arrangements.Anything to save the headache of damaging my credit. after contacting XXXX  I was notified no one had updated my information inXX/XX/XXXX, In other words I have to pay for their mistakes. There is something suspicious about the whole situation Ms XXXX the collections supervisor from XXXX has been constantly contacting me trying to get me to go to XXXX and update my information so that it can look as if they already had my updated information, when I asked her what address did she send my final bill to AGAIN that was the wrong address so in other words I never received a final bill from XXXX. So I assumed I was paid up, now that it was a my Statue Of Limitations they decided to send it to a collection agency. I even asked XXXX from XXXX to REMOVE this off my credit report and XXXX the collection agency to remove this from my credit report and own up to their mistakes. I will accept their apology work out a payment plan from her on out and move forward. But this has to be in an email to me and removed first. I did mention I would report this to CFPB and my Local Attorney general 's Office if not resolved in 30 days. Attached is where Experian and Convergent is ALERTING on this account constantly meaning 2 times in the SAME month which is ILLEGAL and needs to be investigated every time there is a reporting my score drops before XXXX  my score was XXXX XXXX now I'm at a XXXX XXXX.
Product: Credit reporting or other personal consumer reports

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

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up to CFPB complaint XXXX, my online access issue continues to be unresolved. 

I am still unable to access my online Equifax account, where I was at one time was fully registered. Per Equifax response to XXXX, I went to create a new account and was prompted that I have an existing one. I attempted to recover that existing account and got the same " Please give us a call, We can't complete your request at this time, Please call the Customer Care team at XXXX '' that I have been receiving for several months now. I have called this XXXX number several times, where I am told the issue is resolved and to just wait a few days to get access. It remains unresolved. 

How many times do we need to attempt the same process to arrive at the same unsuccessful result?
Product: Debt collection

The debt in question was paid in XXXX 2014 and is still being reported to the national credit gathering agencies as an open collection account. Proof of payment has been provided to the agency and they have failed to respond or correct the reporting. The accounts being reported as a balance owed to XXXX XXXX XXXX XXXX but the balance was paid to XXXX, who XXXX XXXX XXXX XXXX referred the matter to as well, meaning the same account was referred to XXXX ( XXXX ) separate agencies for collections, which I believe is defined as overshadowing.
Product: Mortgage

We applied for a conventional mortgage with Citizens Bank. We submitted an offer on a HUD home where we agreed to make repairs. This was laid out in purchase agreement submitted to the bank on day 1. We proceeded to go through loan process only to find out after 6 weeks that they can not fund a conventional loan on a home that needs repairs. I spent countless hours submitting documents & trying to get status. Loan officer was unresponsive and even after escalated to his boss, not much changed. We paid for an appraisal {$450.00} for a loan that could not be funded. This was never disclosed to us. This has been a series of failed promises & missed deadlines. i requested letter stating that we could not proceed till repairs were made so that we could feed that info back to HUD. Both Loan officer and his boss refused. This will result in the loss of my earnest money of {$1000.00}. This has been stressful, and difficult to understand. I have a timeline ( attached ) of all the events laid out on spreadsheet that I gathered from a series of emails and conversations thru this process. I have never encountered worse customer service. It 's my understanding that we should have received a notice of approval within 30 days. This is a violation. I have been instructed to withdraw my application by XXXX XXXX. I have not done so. The bank should issue letter stating that they are unwilling to provide conventional financing on collateral. Denial for financing should be issued due to collateral not withdrawal of my application. 
Your consideration in this matter is greatly appreciated. It is my hope that no one else will have to endure this kind of service in there quest for a loan. 
So disappointing!!!
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 an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was deceptive and unfair, as we did not comply with error resolution requirements under the Electronic Funs Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

MY LIFE IS A MESS WITH MY SITUATION WITH XXXX XXXX UNDER 605C. PLEASE HELP ME REMOVE AND BLOCK ALL FRAUDULENT ACCOUNTS UPLOADED WITH THE SUPPORTING DOCUMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the XXXX XXXX XXXX account # XXXX, XXXX XXXX acount # XXXX, Fair collections XXXX  account # XXXX, XXXX XXXX serviced account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, account # XXXX, account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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