23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! XXXX XXXX XXXX XXXX XX/XX/2022 {$480.00} These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting

I have paid off my XXXX XXXX 's consumer loan accounts as of XXXX/XXXX/2015. It 's been over 5 months and the credit bureau still shows a balance. The creditor has sent me letters stating that all accounts have been paid in full but the credit bureau still decides to report inaccurately. I want to sue this company and seek damages. 

Please help me anyway that you can to bring this criminal company to justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Westlake Financial Inc. is consistently showing incorrect information and balance-my score with all 3 credit bureaus are consistently going down drastically, for no reason each time reports. 
My score is incorrect and should be going up not down- when I'm paying my bills on time and nothing delinquent. 

Whether it's a coding error or what have you, it is causing me to be denied on applications to move into a new residence. I don't have any past due or any bills with debt. My bills are paid and my score is consistently dropping instead of increasing. I've disputed many times and after disputing my score gets dropped by XXXX plus points for no reason. Just this week I was sent several messages saying great job, keep up the great work, yet at the same time my score was decreased by XXXX points for no reason. 

XXXX and XXXX is also inconsistent with XXXX and XXXX. 
All 3 credit bureaus are inconsistent with each other, how can this be? 

Please help! I need my score to be properly increased, please.
Product: Credit card or prepaid card

Bank of America says I owe money for fraud on my credit cards 2 ACCTS I have to pay back they put me in a regulatory debt collection stating I am responsible to pay back 4 years of fraud/identity theft I had no idea about! Help me I need a pro bono attorney to protect me. Can you offer any suggestions? I do not know what to do accounts were made in my name, loans, credit cards ... allot! All my personal info has been compromised! I may have to change my soc sec number, my name. Help me! I already unknkwingly was paying fraud 4years!! Doing wire transfers ectronic mobile wallet or digital opened lots of online accounts made in my name! Income taxes falsely filed in my name! I need an advocate to aid me in dealing with all this. I am XXXX & having a very very hard time. Please I need help!

XXXX XXXX XXXX
Product: Vehicle loan or lease

Prior to going into the dealership-XXXX XXXX in XXXX XXXX- I completed an application with XXXX XXXX XXXX XXXX and was pre-approved at 3.73 %. I informed XXXX XXXX of this prio to agreeing to them running my credit. I approved them running credit to see if I qualify for financing through XXXX at 0.00 percent. They told me that I didnt qualify for XXXX finaning. They then told me that PNC was the lowest offer for financing at 4.88 %. I mentioned again of XXXX XXXX to them at 3.7 % they proceeded to tell me that XXXX offered 5 %. and that PNC was lowest they could get me. After getting home I called XXXX XXXX to confirm. Well, XXXX confirmed the 3.73 % rate and that this rate was given to XXXX XXXX. So, I requested the dealership cancel the contract with PNC. They told me they are looking into it and will get back to me. It has been two weeks and no response. I have called PNC directly to discuss this issue. When I go online to research PNC rates, they also have rates lower than the 4.88 %. I am confused frustrated and very upset that I have been unable to resolve this issue on my own. I have made countless calls, visited the dealership again in person to discuss. I had gotten nowhere. At this point I want to return the vehicle because I do not want to continue a relationship with the dealership. I would like my contract cancelled effective immediately. I text the manager XXXX at the dealership this request in writing.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit hightlighting 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 or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and list of Inquiries. 

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

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

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

I have had a Best Buy credit card for a number of years. I have only used it a few times over the course of several years. I have it set up on autopay and I do n't receive a paper statement so I do n't check the account regularly, as there is no need. Recently I logged into my account and was going to pay off the card when I noticed that despite my monthly payment, the balance has not changed that much. I began to look at my statements and noticed a charge every month for Debt protection. I called customer service to inquire about this charge and was told that it was added to my account in 2004. I informed the representative that I DID NOT authorize or sign up for this. They processed my request to cancel this from my account. I also requested a full refund of all the fees including interest that I have been charged over the course of the last 12 YEARS!!! I received a letter in the mail confirming that this debt protection had been cancelled and that they were crediting my account for 3 months of charges as a " courtesy ''. This is unacceptable. How can they get away with fraudulently signing consumers up for programs they did not authorize? I demand a full refund of the unauthorized fees and any interest charges that accumulated because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed a car with Toyota finance for {$28000.00}, All payments were made on time. Car had XXXX XXXX XXXX and Toyota finance was co-insured on the policy. Car was totalled on XX/XX/XXXX. XXXX XXXX advised Toyota that the insurance was in force and Toyota sent the case to their total loss unit. Because of Covid-19 all of the toyota and XXXX XXXX people were working from home or part time and it took a few months for XXXX XXXX to issue payoff check to Toyota. On XX/XX/XXXX XXXX XXXX filed a chapter XXXX business bankruptcy. On the filing lawyers for toyota immediately file a proof of claim even though Toyota had already agreed to have loan paid by XXXX XXXX as a total loss. In XX/XX/XXXX the Toyota remaining balance was paid in full by XXXX XXXX. In XX/XX/XXXX Toyota withdrew their claim. The bankruptcy was voluntarily dismissed-no creditors claims were discharged. the Credit report continues to show " involved in Bankruptcy '' even though bankruptcy was dismissed without any order of relief or adjudication. 15 USCS sec 1681c bars disclosure of a bankruptcy case except from date of entry of order of relief or adjudication. the Toyota XXXX, XXXX XXXX report is false in that it claims the " account included in a chapter XXXX consumer bankruptcy. " This is a false statement for 2 reasons ( 1 ) before the bankruptcy XXXX XXXX had already agreed to pay Toyota the claim as a total loss, which was legal and binding because Toyota was an additional insured and therefore a direct beneficiary of the State farm insurance, and ( 2 ) no report of a bankruptcy case is allowed that is dismissed because there is no start date possible for the ten year reporting period because dismissal means you can not have either an order of relief or an adjudication.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the dates in the attachments where I have been trying to work with this Credit Bureau, and explain to them that I am a victim of identity theft and have been working diligently the past year to clean up the mess that is my credit. They have been unresponsive and continue to just send credit report after credit report to show it is still being accurately reported as an item of credit for myself. TransUnion keeps saying they can not and will not delete the remaining fraudulent accounts from my credit reports. Denying my claims and disputes, even though I have sent in proof of where I was living at the time of this card being opened without my permission, as well as my FTC report, police report, and my own written statement of the crime committed against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Auto Loan reported me as making a late payment to the credit bureau, when I asked them to pull the call where I was assured from the rep that she will update my account with my new bank information I felt assured that this would be done on their end. I am now told that this was never done and can not be done on their end they can only take the payment. I had expressed to the representative at that time that I was calling because I was not able to login to my account and she reiterated more than once that she will get it done for me. This was on XX/XX/XXXX, so my XX/XX/XXXX payment should of processed through my XXXX XXXX account-it did not due to the bank account not being updated as promised. My payment returned account closed-I had more than enough funds in my account!! I provided my bank statements proving this as well. When I called and talked to XXXX ( agent id XXXX ) in escalations I asked her why no one ever called, no correspondence received, nor did any of the representatives I spoke with ever tell me that my payments were hitting a closed account. Her answer was they do n't have to tell me I should be watching my account. I thought Chase was a reputable company that had integrity, but apparently not. They kept taking my payment-so they charged me late fees & return payment fees. I could tell that I was not going to get any empathy from this rep from the beginning of the call, she talked over me and when I asked for another representative or her manager she told me she will have them call me back. I had to ask her what the name of the person who will be calling and she said she does not know. I asked her what time the call would be made-SHE THEN told me 7-10 business days. Mind you she is in escalation and I have tried to call them on my break to ask them to review my documents showing that I had more than enough funds in the account at that point in time, also the fact that they called me to tell me my payment was due, but failed to mention the issue so I was never aware. I HAVE ASKED THEM NUMEROUS TIMES TO PULL THE CALL from May-to no avail. Now I have a late paymentmark ( the only one I have on my all my reports ) due to Chase being unethical and allowing their  representatives to withhold information from their customers for financial gain in fees. I also show that I am on auto pay on my profile, but according to XXXX in customer service I am not. I feel like this is another ploy to get more money for fees.
Product: Checking or savings account

I called Citibank at XXXX on XX/XX/XXXX to open an online checking account with the promise of a cash bonus of {$700.00} with a minimum deposit and minimum balance of {$50000.00} in 90 days. This was based on the online advertisement that we needed to open the account by XX/XX/XXXX and deposit the fund in 20 days after the account was opened and maintain the balance for 60 more days. {$50000.00} was deposited on XX/XX/XXXX and we received a bank statement to confirm the deposit. I called Citibank sometime in XX/XX/XXXX to see if they made a mistake in the account type ( Basic Checking vs. Priority Checking ), I was told I would receive {$700.00} under either type of account if I maintained the balance over {$50000.00} for over 60 days after the fund was deposited, which I did. However, I did not receive the {$700.00} by XX/XX/XXXX. I made an online inquiry on XX/XX/XXXX at XXXX regarding the {$700.00} cash bonus that I had not received. I was told that {$700.00} should be available to me by XX/XX/XXXX ( I have the screenshot of the conversation ). On XX/XX/XXXX, I made another online inquiry at XXXX regarding this cash bonus that I still had not received. I was talking to XXXX, who said that she saw the credit of {$700.00} and did not know why the money was not posted to the account ( saved a screenshot of conversation as well ). The dispute was opened and I was asked to wait about 3-5 business days. On XX/XX/XXXX, I made one more online inquiry at XXXX regarding this cash bonus that I still had not received. I was told that it's still under review. I called Citibank @ XXXX on XX/XX/XXXX at XXXX for XXXX minutes. I was told that I should have received the {$700.00} and the case was still under review. On Monday XX/XX/XXXX, I stopped by a Citibank Branch at XXXX and XXXX XXXX, XXXX, XXXX XXXX  XXXX. I was told that they could not do anything since I opened this checking account online. On a letter dated XX/XX/XXXX from Citibank, it said that the Promotion Code XXXX was not offered in conjunction with my checking account. I was puzzled : I called the phone number on the advertisement and asked the bank representative to open a checking account for me on XX/XX/XXXX so I could receive the {$700.00} bonus. Now, I was told that the account the bank opened for me did not qualify for this promotion. I got punished for an error that was made by a Citibank representative. For months, we were told not to worry and that we would receive the cash bonus after they mix their internal mistake. I have been lied to/misled by Citibank for almost 8 months without paying me a dime for interest. I had to close my account with CitiBank on XX/XX/XXXX after I transferred out all the money. It's a super unpleasant experience being robbed by Citibank - stealing {$700.00} from me, a medical student. I wanted other potential customers to know about my experience with Citibank.
Product: Checking or savings account

Prior to XX/XX/XXXX I contacted Chase online informed that I was receiving several texts/email for deposit code from them and I was not trying to deposit anything. Chase representative checked the account and assured me everything was fine. On XX/XX/XXXX I called Chase online advising them there were two deposit items on one of my account and I nor my son had deposit these items and they were not mine. Chase representative told me that the items looked legitimate and they appeared to be part of the Government stimulus funds. I told the representative I had already received these funds and I insisted on speaking with Chase Fraud. I told fraud the items were fraud, no funds and I believe my account to be compromised. I ordered one account suspended/closed and I changed the passwords and emails for both account. Chase later confirmed the items were fraud and charged my account for the returned items. I have contacted Chase several times asking that the charge for the two return items be removed from my account after all I contact them before, on the day of the fraudulent ites and that I had not use any funds from the 2 fraudulent items. Chase refuses to refund me. Am I suppose to protect my Chase Bank account, or is Chase supposed to?
Product: Credit reporting or other personal consumer reports

Request for Removal of " XXXX XXXX XXXX '' Account Under 15 U.S.C. 1681s-1 FCRA 605B ( 15 U.S.C. 1681c-2 ) In accordance with 15 U.S.C. 1681s-1, I XXXX XXXX am requesting the immediate removal or blocking of the " XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' Account # ( XXXX ) from my Experian, XXXX, and XXXX credit reports. Under federal law, consumer reporting agencies are obligated to report overdue child support obligations only if the following conditions are met : The information is : ( A ) Submitted by a state or local child support enforcement agency ; or ( B ) Verified by a local, state, or federal government agency. 

The overdue child support must not predate the report by more than 7 years. 
The " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' account on my credit reports does not meet these criteria, and I, therefore, demand its removal or blockage in compliance with the law. Please confirm that this account has been removed from all three credit bureausExperian, XXXX, and XXXX the legally prescribed time frame.
Product: Checking or savings account

On XX/XX/year>, a scammer called me impersonating a Wells Fargo banker and said that someone in Texas had made purchases using my credit card. I believed him, and he reassured me and told me he was going to help me get this fixed and that in order for him to help me, he needed access to my phone screen through XXXX XXXX. When I asked him if he was lying to me because this seemed suspicious to me, he told me to XXXX the number he was calling from. I XXXX searched the number and it appeared as a Wells Fargo number, so at the time, I thought this confirmed his identity. The scammer then instructed me to transfer all the credit money to my checking account. From there he tells me to temporarily move it to XXXX XXXX so that he could reset the credit card from his side. Once he did that, he somehow he gained access to my apple ID and kicked me out of it. I lost access to my phone, he hung up, and that's when I realized this person was a scammer. That's also when I realized that the money transfer wasn't to help me, it was the scammer sending it to himself. was able to obtain the email of the scammer by going on XXXX XXXX XXXX and looking at my account, the email is XXXX. I also filed a police report and will attach it to this XXXX XXXXXXXX XXXX XXXX XXXX XXXX The amount of {$9900.00} was stolen from my account The bank denied denied my claim and stating that i did it under the false impersonation of Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$940.00}
Product: Student loan

XXXX : Mohela was called, I requested a XXXX dollar refund for payments made in allowable refund period. 

Twice I called to ensure the refund was still processing, 10 days and 30 days after the initial call. There is no longer any way to contact them, I have called and waited on hold for up to XXXX hours and XXXX minutes. I can no longer trust that my refund is being processed.
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 for these violations
Product: Credit reporting or other personal consumer reports

My disputes are not being processed correctly. I have been a victim of identity theft and I sent the FTC report to the credit agencies. They are not attaching the paperwork I filed according to the FCRA. And I am not getting copies of the verification process per the FCRA>
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ANOTHER COMPLAINT ABOUT A COLLECTION ACCOUNT REPORTING ON MY CREDIT REPORT THAT IS ONLY REPORTING ON TRANSUNION AND THE OTHER 2 BUREAUS ARE NOT REPORTING IT AT ALL WHAT SO EVER! THE ACCOUNT NUMBER TO THIS ACCOUNT IS XXXX FOR CREDIT COLLECTION WHICH TH EORIGINAL CREDITOR IS XXXX XXXX  COMPANY. IT IS A PAID CHARGE OFF REPORTING AT A XXXX BALANCE. I REALLY DO NOT UNDERSTAND WHY THIS ACCOUNT IS ON MY CREDIT REPORT TO BEGIN WITH. ESPECIALLY WHEN IT IS ONLY ON TRANSUNION. I WOULD REALLY APPRECIATE SOME ASSISTANCE ON THIS ACCOUNT AS YOU HAVE ASSISTED ME IN THE FUTURE. I DO NOT BELOIEVE THAT THIS ACCOUNT IS FOLLOWING THE FCRA AS IT STATES IT DOES. PLEASE INVESTIGATE THIS FURTHER. THANK YOU
Product: Student loan

Nelnet moved alot of our accounts to a new company called XXXX. I believe Nelnet is hiding or moving our student loans around so they dont have to discharge our loans. My school XXXX XXXX was under XXXX XXXX which was a school that was shut down and declared fradulent. My student loan should be 100 % forgiven and released from both Nelnet and XXXX. My loan continues to collect interest each month and when I call them they play XXXX saying they know nothing about XXXX or the discharges. This is very public and has been for XXXX + years.