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

XXXX, is reporting that my mortgage loan with them is still open. They transferred my mortgage loan to XXXX XXXX XXXX. The loan should me reported as closed.
Product: Credit card

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Product: Debt collection

Dear TransUnion you are willfully ignorant to the adverse actions you have yet to update and fix The following 4 accounts need to be updated as Paid and removed immediately XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Department of Education Please do what you were bonded by law in good faith to do in taking care of the private people of the land.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report. 



Please remove 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 found out my identity had been compromised because my wallet was stolen from the store. I didn't take the proper measures afterward, I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never opened. I then started to investigate and pulled my credit to check what all had been opened. There are way too many fraudulent accounts opened that I am not familiar with and a outrageous amount of inquiries that not all I was able to list on here. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$540.00} XXXX  XXXX {$450.00} XXXX AR XXXX {$590.00}
Product: Debt collection

Snow & Sauerteig XXXX ( XXXXXXXX XXXX XXXX ) Someone sent the police to my home who then broke in and when they did not find anything wrong they put me in an ambulence and forced me to sit at XXXX XXXX XXXX for 7 days This is fraud
Product: Credit card

I lost my job due to health/medical reasons and have been attempting to sell personal effects, as I do not have assets in my name. 

I contacted Venmo about my credit card and requested information about hardship/forbearance, and the agent simply harassed me for money. They started asking about my medical benefits and any monies that I could pay with, even though I stated I was unable to make a payment. 

Venmo 's practices are predatory, in addition to their allowing transfers of money for items that would potentially fly under the radar of most regulatory agencies.
Product: Credit reporting or other personal consumer reports

on XX/XX/2024 I pulled my credit report showing several inconsistancies on my consumer credit report. I have no outstanding Debts in the state of Ca. Please delete all inaccuracies which are affecting my validity as a consumer.
Product: Credit reporting or other personal consumer reports

on XX/XX/23 I sent a letter to transunion asking them for supporting documents to support their claim that i owed suched debt. I have yet to receive any kind of response.
Product: Credit reporting or other personal consumer reports

Multiple hard inquiries on credit report need to come off it is affecting my score
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE LAST XX/XX/2021 WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 42 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Product: Checking or savings account

My bank, Capital One, has frozen my accounts without notifying me. They have refused to give me the date they froze it or explain why I was not notified to keep checks from bouncing. I am XXXX and this started when I attempted to change my POA at the bank. I have very credible reason for believing the person acting as POA might drain my accounts. A new POA was drawn up by my attorney along with a letter that this person was to have no further access to my accounts. This was taken to my branch by my new POA on XX/XX/XXXX. They faxed it to their legal dept for approval stating it would be XXXX to 7 days. By XX/XX/XXXX it still had not been approved so I had to go in person to move money from savings. On XX/XX/XXXX a check was returned, this was first and only indication I had that my account had been frozen. Even though I was just out of hospital I had to go back in person because they still had not approved new POA. They said someone had called in alleging a third party had called in pretending to be me. They named my new POA as that party. This is ridiculous as she had no need to pretend to be me- she has my POA and regardless, pretending she would not have given her real name!! They refused to tell me who made the allegations even though they knew I was being harassed by the former XXXX to the point of filing a police report on XX/XX/XXXX. I do not feel it is a coincidence that the allegations had to be made that same week. Her threatening behavior has been constant for over XXXX months now.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Cash app ( block inc ) 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint, File # XXXX and I have not heard from this Company to date..Once Again!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been on auto-pay a very long time with Citicard. In XXXX of 2022 and XXXX of 2022 I contacted customer service to put me back on autopay. Both times they confirmed auto-pay was in place. 
On XXXX I paid Citicard in full for {$130.00} On XXXX Citicard reported me {$130.00} delinquent dropping my credit score XXXX  points. I have tried many ways to request they remove it from all credit bureaus. 
They have refused to do so. 
I have been denied credit because of this at least 6 times for new credit cards or debt consolidation or personal loans.
Product: Credit reporting or other personal consumer reports

I used to have my private and federal student loans through Navient, my federal loans were consolidated and transferred to aidvantage on XX/XX/XXXX which was {$63000.00}. I had then one loan left which was a private loan with Navient {$9300.00}. In XXXX of XXXX XXXX took over my loan from Navient. I have XXXX OPEN ACCOUNTS with Navient all accounts are closed with a XXXX balance. On my credit report Navient is still reporting 2 open accounts with balances one loan with {$6900.00} and another loan {$7000.00}. This is false information they are reporting on my credit report. I have filed 3 claims with XXXX to dispute this inaccurate information and they have contacted Navient on my behalf and Navient continues to Lie and give falsified documents to the credit bureau stating the information is correct and the accounts are open, the most recent report they claimed this false information with XXXX was XX/XX/XXXX. This is destroying once again my credit and my debt-to-income ratio because it has now added {$20000.00} more debt to my name which I don't owe. I have called for months getting transferred around to different people. Again, I called Navient XXXX & XXXX in the middle of my conversation I am being hung up on. Thats how I am being treated by these people.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Credit Reporting Agencies have refused to give me an updated report despite my requests, They continue to report old and unverified information on my report even though I've sent compliance letters to them on numerous occasions to fix the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am writing this statement on my behalf. I am a victim of identity theft. The items listed on my report were opened fraudulently, and I request that they all be removed immediately. The accounts are listed in this report and attached to my statement. Accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to formally dispute and report instances of identity theft that have affected my credit report. Upon reviewing my credit report, I discovered fraudulent accounts that I did not authorize or recognize. This letter serves as an official complaint and request for investigation into these unauthorized activities. 

Details of Identity Theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have taken the necessary steps to report these instances of identity theft to law enforcement and have obtained an Identity Theft Report from the Federal Trade Commission ( FTC ). Enclosed with this letter is a copy of the Identity Theft Report for your reference. 

I request that you conduct a thorough investigation into these fraudulent accounts and inquiries and take immediate action to remove them from my credit report. As a victim of identity theft, it is imperative that my credit report accurately reflects only legitimate and authorized activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  XXXX they reported to the credit companies that this account was mine, I never had this account and I request that they show a actual consumer contract with my signature or remove completely the account looks to be paid off not be me. I filed with the XXXX and to this day have not received anything that they claimed to mail twice. thinking that this account is paid off it must be a waste of time to respond I do not have any account old or new with XXXX XXXX remove completely from my credit reports forever enclosed is the information from the XXXX   but this dispute started long before that date
Product: Checking or savings account

Someone opened a virtual accounts in my name with PNCBank. I called PNCBank. The bank closed all 3 acounts.
Product: Checking or savings account

I make a deposit on a branch date XX/XX/2019 and dont receive an official receipt of the transaction. They are very bad people.
Product: Checking or savings account

To : Consumer Financial Protection Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Capital One Bank regarding an issue with a debit card transaction. 

Account Information : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank Name : Capital One Bank N.A. 
- Total Charged by XXXX despite purchase cancellation ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I canceled a debit card order with XXXX XXXX, an online merchant for XXXX However, Capital One Bank is requiring me to call them to dispute the transaction, despite my prior cancellation with the merchant. I am concerned that this may result in an unauthorized charge. 

Resolution Requested : I request that Capital One Bank : 1. Remove the disputed transaction from my account.

2. Provide a formal confirmation of the transaction cancellation.

3. Review and improve their dispute resolution process to prevent similar issues. 

Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your attention to this matter. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
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

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, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX XXXX Account name : XXXX XXXX, Account name : XXXX and Account name : 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 reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Product: Money transfer, virtual currency, or money service

I am writing to formally request your assistance in addressing significant concerns with XXXX, My complaint pertains to XXXX lack of sufficient security measures to protect consumer accounts and its failure to adequately investigate and resolve disputes. 

I urge the CFPB to : Investigate XXXX practices, particularly its security measures and dispute resolution process.There are people that work tirelessly for their money to be protected and clearly this is not the way. 

Thank you for your attention to this matter. I trust the CFPB will take appropriate action to address these concerns, ensuring XXXX and similar platforms prioritize the security and interests of consumers. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance Owed : {$710.00}
Product: Debt collection

I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. This is a medical dispute to which they maybe in violation of HIPPA laws to which I do not see a signed HIPPA form. 

*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally *Signed HIPPA form
Product: Debt collection

XXXX put an item on back on my credit after taking it off three years ago. Back in XX/XX/2014 I disputed an XXXX item which got resolved then recently looking at my credit report I noticed it in the collection section on my report. How can something become resolved deleted then three years later just throw it back??? I never receive an letter from collection agency
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; DELETE THE ABOVE LATE PAYMENTS FROM MY CONSUMER REPORT, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account ( s ), and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit card or prepaid card

I paid the full balance XXXX and asked that the credit card company close the account as soon as the payment posted. They closed the account before the payment posted, resulting in the payment being returned by my bank and then they ask me for the same payment plus interest and fees, doubling the amount owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved out of my apartment in XXXX of 2014. I closed my XXXX XXXX account and paid my last bill. 
About 8 months later, I was told that I owed another {$490.00} which was obviously incorrect. This must have been the amount owed by the current occupant of the apartment. I on multiple times, tried to have XXXX XXXX remove the amount, but they sent it to collection with LJ Ross Associates. 
I have contacted LJ Ross over 12 times to remove the incorrect information from my credit rept, and they have refused each time. 
Please remove this collection from my credit report, I pray. Thank you!
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 tak timely and effective measures to prevent ar 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 for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : DEPT OF ED/XXXX {$1300.00} ; DEPT OF ED/XXXX {$2400.00} ; The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one auto finance has indicated that I was 30 days late on a payment for the month of XX/XX/2014. I received a copy of my payments and it indicates that for the month of XX/XX/2014 I made a payment on the XX/XX/XXXX which is 21 days late and not 30 days late.

Thank you
Product: Debt collection

Trying to get a payment history to see if payments have been properly applied to account. Representative has stated company does not send out that type of report.