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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX/XXXX  XXXX Balance : - ; XXXX/XXXX  XXXX Balance : {$280.00} ; XXXX  XXXX  XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$990.00} ; 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 XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Checking or savings account

In XX/XX/year> I stayed at an XXXXXXXX XXXX XXXX XXXX and I paid using the payment plan company XXXX. I used the entire XXXX stay, but on the morning I was leaving I found XXXX on the XXXX I was XXXX XXXX  and requested a refund from XXXX who denied me. Because I felt that XXXX violated their terms and conditions I initiated a dispute for the amount that I paid. The first dispute was for the original payment I made to XXXX for roughly {$98.00}. While waiting for a decision on this dispute. I continued to make my agreed upon payments to XXXX. As well as continue to communicate with XXXX requesting a full refund. This dispute for {$98.00} was approved. I then initiated a dispute for the final 3 payments that I made while waiting for the resolution. This dispute was for a total of {$380.00}. Visa denied this additional dispute and Wells Fargo took the money from my account on XX/XX/year>. 

Before I received information that Visa made a decision regarding my secondary dispute, XXXX finally agreed to provide me with a full refund for the stay. This was XX/XX/year>. I believed at the time that every would be fine and my funds would be finalized in my account. 

On XX/XX/year> I reach out to Wells Fargo, who told me to reach out to XXXX who told me to reach out to XXXX. XXXX provided receipts with confirmation numbers showing they sent the money back to XXXX on XX/XX/year>. XXXX alleges that on XX/XX/year> they sent 3 transactions totaling {$380.00} to Wells Fargo in response to the transaction disputes I initiated. I asked XXXX to provide me with a receipt with a confirmation number or transaction number. I was informed by XXXX representatives that they do not provide or have that any receipt or confirmation to provide. Wells Fargo informed me that they did not receive any funds from XXXX in relation to the transaction dispute. 

XXXX says they will not provide a refund as they already returned the money during the transaction process. I provided all the information to Wells Fargo and they have stated multiple times that there is nothing they can or will do to further assist me in this matter.
Product: Debt collection

CKS Prime Investments did not contact me about the alleged debt collection they placed on my credit report with the 3 credit bureaus ( XXXX, XXXX, and XXXX ). I did not receive any notice from them that would allow me to dispute the debt in question and though I have tried to contact them I've noticed recently, after reviewing my credit reports from XXXX, XXXX, and XXXX, that the address on file with each reporting agency is different. This is a clear violation of my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XXXX, XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX due to violation of 15 U.S.C 1681 ( b ) has no permissible purpose to be on my report.
Product: Debt collection

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to XXXX on XX/XX/year>2024 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Self.

So I then asked them to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to inthe consumer for that description.

But they did not do that as well either.

They are also breaking these laws as well below.

According to 15 USC 1681i ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. This is unfair to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX card account number XXXX that is not mine was on my credit report i sent a response two months ago and have to get a response. the card has inaccurate information reporting across 2 different bureaus which is a violation of FDCPA. I sent a dispute 2 months ago and received no response this is hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I see that there are some inaccuracies on my open auto loan with XXXX XXXX XXXX. My account number is XXXX. I have reached out and mailed a letter to XXXX XXXX XXXX on numerous occasions requesting that they update my account to paid as agreed based on the terms of my repayment plan. When starting the repayment plan, I was told that there would not be any late payment reporting to my account and that I would only incur interest fees and late charges, but the account would be marked as current as long as I pay based on the terms of the repayment plan. The letter was sent multiple times, and nothing has been done so now I am requesting that Experian, XXXX and XXXX mark the listed account as paid as agreed or current due to this inaccurate reporting. Below is the letter that was sent to the creditor and to date nothing has been corrected. Also attached is a screenshot of the inaccurate reporting showing the payment history as late when it should be reporting as pays as agreed or current starting XX/XX/year> to date.
Product: Checking or savings account

I previously invested on the peer-to-peer borrowing platform LendingClub. Due to poor performance, I stopped new investments a few years ago. All of the notes that I had invested were either paid or charged off, and my account was subsequently closed. After that, there were recoveries on previously charged off loans. LendingClub is generating statements that show I have a cash balance, but I am unable to withdraw it. On the website, clicking any options related to bank accounts or transferring money brings me to the page that allows me to download my PDF statements. 

I attempted to e-mail LendingClub regarding this issue at the address listed on their help page, but received a bounce message and an auto-reply that the box is not monitored.
Product: Debt collection

I mailed Ally Financial a Cease and desist on XX/XX/2023. I received proof of mailing on XX/XX/2023 that it was signed for and received. Since then I have received text messages requesting payment. I have attached the text messages and the return mailing label as proof that Ally Financial did receive and should honor the Cease and Desist that was mailed to them and that they are in violation. They are now communicating with me without my consent. According to the FDCPA, pursuant 15 USC 1692k unauthorized communication is a violation of my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion report . This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Product: Credit reporting, credit repair services, or other personal consumer reports

I let them know I am rescinding my signature to the contract.
Product: Debt collection

This company continues to call my employer. In the past they contacted members of my family as well. I have asked that they only contact me directly on my PERSONAL number, but they keep contacting other people regarding a personal matter.
Product: Payday loan, title loan, or personal loan

I applied for a personal loan of {$1500.00}. It was approved almost instantly. 
I did not know until today XXXX XXXX, 2021 that the interest rate would be 299.? %. 
I did accept the loan at time of approval not knowing anything about the EXORBITANT INTEREST RATE!!! I have spent most of the money on medical bills as I am XXXX XXXX XXXX. I want to pay back the money I borrowed. I just can not afford to pay back the way CASHNET USA says I have to pay. 
I want to send a copy of the account information for me but do not know how to include a photo MY NAME IS XXXX XXXX XXXX XXXX XXXX Can you help me in any way? I did not know that this was legal
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block, ink ) for 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 funds 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

XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, 2022 XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2022 XXXX XXXX Inquiry : XXXX. XXXX, 2022 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, 2022 XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 I've reached out to the above companies. Today I reached out to Equifax about the unauthorized inquiries on my credit. I told them about Fair Credit Reporting Act and how unauthorized items on my credit must be removed. The customer service representative XXXX XXXX ) that I spoke to was unhelpful and unwilling to help me take of the negative inquires reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to place a freeze on my personal consumer information but they have made it difficult for me to do so. I want this done because they furnish my personal information to 3rd parties without my consent. I also understand my rights under federal law. 

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
Product: Debt collection

Don't anything about this debt from XXXX. Have not received notice about debt at anytime, so I could had a chance to disputed it.
Product: Checking or savings account

I have been trying to get my account either unfrozen or closed with a check mailed out or have the eft transfer sent back to the bank it came from since XX/XX/2018. I initiated a electronic transfer from my wife 's bank account with her permission and her physically next to me when i did it. we did the transfer because i have a different account and we where waiting for her new debit card and we needed to pay bills. My bank Simple Bank who's owned by BBVA COMPASS started the account verification process to make sure it wasn't fraudulent and that permission was granted. They do this by making two small deposits that are under a dollar each and then i would have to verify the two amounts. This process is supposed to verify at least two things The identity of the other account and to make sure it gets verified. I verified the two amounts and was allowed to initiate a electronic transfer. Simple Bank transferred the money as soon as the money was deposited into my account they froze my account. I asked them why they froze my account and they told me it is because they need to verify the external account. I was confused because they were supposed to verify the external account before allowing me to transfer money. at least that is what i understood by their so called " external account verification process '' which is supposed to take 3-5 business days to do before allowing and transfers. They wanted two bank statements of the external account, a copy of my social security card and a picture of my license or ID. I have two poroblems with that, first i don't feel comfortable sending vital documents over an email secured or not. Two, I can't get the bank statements or anything from the other account because that bank closed the account due to unrelated reasons. I asked them to send the money back to the external account but they claim they aren't allowed to do that. I asked them to close the account and send a check to me, they claim they can't do that either and they refuse to unfreeze the account unless ALL of the requested documents are sent. My wife and I, Need that money back to pay bills we are behind on now because of this. I know they have the authority to close any account at any time for security resons. I dont care if they do that as long as i get all of my money back {$2500.00} to be exact. That was the amount of the transfer. The total available balance in the account is {$2500.00}. I need to recover that money
Product: Money transfer, virtual currency, or money service

Venmo- opened the account in XXXX. Used it for the first time on XX/XX/XXXX. My sister sent me XXXX and they didn't let me transfer my money. Better yet they didn't even refund her money back. I committed no crime. Nor did I violate anything and they haven't even given me a reason to deactivate my account and hold my funds 180 days.
Product: Vehicle loan or lease

I tried calling today and got transferred in circles again by rude unhelpful phone representatives. So please answer in writing and note the payment was sent today XXXX. 

I made a payment in person today XX/XX/XXXX with cash at the XXXX, Maryland Chase XXXX. Has this been received? There should not be any late fees. Please answer this directly in writing. Please also provide a copy of the payment history showing this and a current written payoff letter. Attached is the receipt from todays payment. It was for a XXXX chrysler XXXX XXXX. Thank you.
Product: Checking or savings account

When I used my XXXX app to pay off my credits, Bank of America doubled charged me on XX/XX/2023 for {$500.00} * XXXX. I asked BofA to check the transaction, but they asked me to contact XXXX. It's obvious BofA 's fault to deduct the same amount of money twice in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on the accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, Chapter XXXX Bankruptcy XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX,XXXX I discovered after a conversation with my ex-husband XXXX XXXX that the credit agencies deleted a past mortgage. I did not authorize this. At the time I had hired XXXX XXXX to do credit repair in XXXX. It was on there prior to hiring them. They, however, deny removing it. I wrote to all three agencies and they will not address the issue. 

I have provided plenty of evidence showing when account opened, closed, high balance and correct payoff. 

I am XXXX yo grandmother and it shows I only have had credit for four years! 

It is damaging my score due to lack of credit information. XXXX mortgage no longer exists so there is no way for me to contact them directly. 

Need this to report on my credit file. They report bad but don't want to report good when its old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just checked my credit report, and Synchrony Bank took over my PayPal Credit account on XX/XX/2019. My first on time payment to them was for {$170.00}, made on XX/XX/2019, and came out of my bank account on XX/XX/XXXX. 

Prior to that, they WERE NOT the servicing company, and I did not have a relationship with Synchony Bank as part of PayPal Credit until XX/XX/2019. 

On my credit report, they are reporting data from both XXXX and XX/XX/2019, at which time, they did not service my account. In particular XX/XX/2019, shows I was 60 days late with them, which is false, as this was not their account at that time. 

I want the reporting to be corrected, showing that starting when they took over the account on XX/XX/2019, I have been current with them. The reporting from both XXXX and XX/XX/2019 is clearly false, and represents misinformation as the they were not the owners nor did they service said account. Reporting on prior information is clearly a violation.
Product: Debt collection

On XX/XX/XXXX I saw a collection that was reporting negatively on my credit report from DEBT RECOVERY SOLUTIONS for $ XXXX.I contacted the original creditor ( XXXX XXXX ) and asked them about the validity of this debt. They advised me that they couldn't give me any information on this debt and that I need to contact DEBT RECOVERY SOLUTIONS. DEBT RECOVERY SOLUTIONS advised me that they would send me something in the mail that validates this debt. After waiting weeks, I never received anything. I contacted them again on XX/XX/XXXX and asked them to resend the information. I still didn't received anything. I contacted all three credit bureaus and asked them to investigate the validity of this debt and to send me whatever information they obtain through their investigation. As of XX/XX/XXXX I haven't received anything from either of the credit bureaus or DEBT RECOVERY SOLUTIONS.
Product: Bank account or service

XXXX & XXXX XXXX had a judgement issued against them from Wells Fargo, after XXXX lost her job. We contacted the Clerk of Court in XXXX County NC and was told to make a payment monthly. We have made payments since XXXX, never hearing anything from the bank or the attorney. This year XXXX XXXX my husband retired and we rolled his pension over to an IRA with Wells Fargo. We also kept {$27000.00} into our Savings for XXXX and home repairs. The money was deposited on XXXX XXXX, XXXX to both accounts. On XXXX XXXX, Wells Fargo withdrew {$7200.00} from our account for the judgement. We went to the local Branch in XXXX XXXX NC, to file a dispute on the withdrawn of the monies. We contacted Clerk of Court and was advised we had paid every month and they were unaware the bank to do this and encouraged us to file a dispute. The Bank Manager made a call and left a message to a member of the Collection Team ; the dispute was not filed and call from the Bank Manager or Manager of Collections. We were told the payments were to little ; in two years we had no communication from the bank or attorney. We were never notified to increase the payments. When I talked to Collector after the withdrawal, I was told the she keep seeing money come in our accounts. I have serious concerns that any one can access our account at anytime if you are a Bank Employee. I find this very unprotected and open to all. We have been told this was not allowed, if payments were being made. We should have been offered to increase our payments. This money was withheld from his pension for Medical Reasons and we are on a fixed income. My husband is a XXXX Veteran and was retired on XXXX.
Product: Vehicle loan or lease

I called in to inquiry about purchasing a vehicle with a consumer credit transaction. I was told to submit an application online to start the process which I did. I was also told that I needed to either get a co signer to go on paper with me or I had to give a third of the purchase price down payment in order to purchase the car. I was also told I am not the original creditor and I can not extend credit to purchase a vehicle.