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

In accordance with the Fair Credit Reporting Act, the following creditors have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX  XXXX ( XXXX inquiries ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A . States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was charged {$34.00} from a company called CREDIT SCORE NOW who I dont know. I called my bank and they said I need to contact the company but I have tried to find them online for a few hours and they dont seem to exist. How do I either find them or cancel the charge?
Product: Debt collection

I paid the collection they say, it gon na deletes the account. So they never deleted it after paying it
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit and noticed some hard inquiries that I am not aware of. The inquiries are as follows : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

XX/XX/2021 I made a {$6500.00} check deposit into my Bank of America Account in the lobby of the bank. I was not told there would be a hold on these funds and I had a {$14000.00} balance in my bank account at the time. I received an email from Bank of America later in the day saying there would be a hold on this deposit until XX/XX/2021. The check I deposited was from my personal XXXX XXXX account and the funds were paid and withdrawn from that account XX/XX/2021. I called Bank of America on XX/XX/2021 to complain about the hold, that I had not been informed of it at the time of the deposit. I was told they could hold the funds for 7 days and to call back in 3 days and in the future use an electronic transfer of funds. Bank of America should be penalized for their actions and I should be compensated for the inconvenience this has caused me. It is now XX/XX/2021 and the funds are still on hold in my account. This is unacceptable!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was at work with XXXX other coworkers. One of the coworker was new so I was kind of excited and in a happy mood. Around noon a person came in and I wasn't sure if he was a customer or not but he was looking at the menu and starting conversations and since I was in a good mood I started a conversation with him. He pretended to be a XXXX  employee and started to explain how XXXX was having a deal for XXXX customers, {$150.00} for XXXX XXXX XXXX. He said that there was a line outside the XXXX for this deal. I felt that it was too good to be true but since I was in a good mood at the time I decided to just continue the conversation since he seemed like a nice guy. The conversation went on for about 5 minutes and then he said he wanted to show me something on my phone. He typed in pound and a few numbers on my phone and called it, and it showed me something about my phone. Then he borrowed my phone to " check '' settings and set up an account for XXXX for me. Since I was behind the counter, I couldn't actually see what he was doing. He then told me to make up a XXXX digit pin and that's where I messed up and gave him a pin that I used on a lot of my apps, including XXXX. He sent himself {$200.00} to an account name " XXXX '' now named " XXXX '' and their XXXX  is XXXX XXXX. I've tried contacting XXXX the same day and they told me to contact my bank since the money was withdrawn from my bank, not from XXXX. I called my bank that day and they told me they couldn't do anything until the charge was posted. A few days later, I opened a dispute on my bank account for that charge and today I find out that the dispute has been closed but I have no clue why since I wasn't even notified when it closed.
Product: Debt collection

Received a text message from XXXX stating the following : " Private Notice. XXXX XXXX call XXXX or XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Reply stop to unsubscribe. '' After clicking the link, was redirected to a page requiring me to input social, DOB, and an account number. I looked up the name of the company listed at the bottom of this page as DRS, verified as Direct Recovery Services. Nowhere was I notified that the text, nor the page asking for my personal information was an attempt to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TWO ISSUES 1 : I am buying a house and XXXX XXXX requires dispute comments be removed. I sent a letter requesting their removal. Instead of being removed more disputes were added. I then tried requesting dispute comments be removed online thru their website. They didnt remove dispute comments they added " Customer disagrees '' with dispute. Then I tried calling and speaking with a Supervisor and after 3 hours I get an email that read " Your disputes are now open '' She didn't remove the dispute comments she filed disputes for them.

2 : I told the same supervisor that I never disputed my FedGov loans only XXXX. Can she please cancel the FEDGov loans but keep the XXXX open. She canceled ALL even XXXX. 

3 : I have sent Experian A copy of my XXXX Forbearance and Deferrment ledger validating my account was in Forbearance during the time its showing 90 days past due. Experian has sent back to me account updated. They completely ignored the ledger- didn't even mention it what they did was change one small insignificant detail and said thats all they are required to do. I am currently looking into hiring a consumer attorney as Experian has made it clear they have no intention of correcting my credit report
Product: Credit card or prepaid card

I bought an airline ticket with my BOA credit card. The fees were in US dollar. I got charged a {$29.00} foreign transaction fee. Even though I paid in dollars!
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 violates 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, credit repair services, or other personal consumer reports

There are multiple accounts on my report that I do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX  Account # XXXX Open Date XX/XX/2018 Balance {$15000.00} 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: Checking or savings account

Venmo suspended my account XX/XX/2023. The account had {$370.00} inside the balance because the account locked after receiving money. 

I contacted them same day via their email to contact they provided after suspension. After this, they took until XX/XX/XXXX to reply back. ( They only reply at midnight so you can not properly resolve your issue. ) Their reply asked for my Identification card which I provided instantly. It took them until XX/XX/XXXX to reply back stating they are now finally escalating this to the " speciality team. '' Who was I sending my information if not the people who would reinstate my account? Useless runaround to keep my funds. 


It has been a total of XXXX days trying to get my funds back from this company, an absolute nightmare. I have kids to feed, absolutely insane of them to keep my funds for this long.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX and [ Credit Bureau XXXX ] for inaccurate reporting on my credit file and failure to properly investigate my dispute, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 



Issue Summary : 1. Incomplete Payment History : XXXX XXXX XXXX account ( Acct # XXXX ] ) has missing or incomplete payment history from XXXX to XXXX. Under XXXX XXXX. XXXX ( b ), the credit bureau must ensure accurate reporting. If XXXX can not verify this data, it should be updated or removed. 

2. Incorrect Balance Reporting : My credit report shows an incorrect balance of {$5000.00}, which does not match my records. Per 15 U.S.C. 1681i ( a ) ( 1 ), the bureau must investigate and correct inaccurate information. 

XXXX. Failure to Remove Unverifiable Information : The credit bureau and XXXX have failed to provide documentation proving the accuracy of the reported data. Under 15 U.S.C. 1681i ( a ) ( 5 ), unverifiable data must be deleted from my report. 

XXXX. Neglect of FCRA XXXX : XXXX XXXX is responsible for reporting accurate information under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) but has failed to do so. The credit bureau has also failed to conduct a proper reinvestigation per 15 U.S.C. 1681s-2 ( b ).

Due to these errors, I have experienced credit score damage, financial loss, and difficulty securing loans. This has caused undue stress, inconvenience, and wasted time disputing inaccurate information that should have been corrected.
Product: Credit reporting or other personal consumer reports

Consumer name : XXXX XXXX XXXX social security number : XXXX Request for immediate removal of fraudulent information pursuant to FCRA 605B Dear Credit Bureau , I am submitting a complaint to formally request the removal of fraudulent information from my credit report as allowed under FCRA 605b this request pertains accounts that were opened without my authorization and are the direct effect of identity theft and fraud.I expect this fraudulent information to be blocked and deleted to protect my consumer right within 4 days of said letter being received as required by the law. Below is the information of each fraudulent account with its account number balance and date opened thanks for your review and I expect my federal right to be enforced and acknowledged A auto loan with XXXX opened on XX/XX/XXXX with a balance of {$9400.00} Account number : XXXX A mobile telecommunications accountwith XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$520.00} account XXXX Lastly a XXXX account opened on XX/XX/XXXX with a balance of XXXX Account number : XXXX Attached is a FTC Identify theft affidavit as clear proof identity theft and fraud took place All account listed are the result of identity theft and fraud and I demand that they be removed thanks
Product: Credit reporting or other personal consumer reports

Unauthorized fraudulent inquiries : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

( Important ) InComm Internal Case ID : XXXX I purchased this card with a total balance of XXXX United States Dollars. There were several transactions taking place wiping out the entire balance. I reported these unauthorised transactions to the card issuer on XX/XX/2022 by phone, and the issuer gave me a case ID of XXXX, yet did not further investigate my report. On XX/XX/2022, I contacted the card issuer under the impression that they were investigating the matter, the card issuer told me that they had wrong personal information about me ( first name, last name ), and that the case was automatically closed because of the artificial error they had. The customer representative was personally unwilling to go through all the unauthorised transaction on file, and they declined to provide me a copy of the dispute files.
Product: Student loan

Hello, I have recently learned that the company who claimed I could get my student loans forgiven from has been charging me for " re-consolidating '' my loans and doing something that my loan provider offers for free. They made it seem as if the money I was paying to them would be going towards my student loans when it was going towards the company, and I had stopped paying my student loans because I was eligible for a payment of {$0.00}.   Date of contract was  X/XX/2016
Product: Debt collection

This company is harassing me over an alleged debt that I do not owe. I have never given them permissible purposes to contact me, let alone accuse me of owing them an alleged debt, an alleged debt that they refuse to allow me to verify. They have reported inaccurate information to my consumer report using obscene and profane language that is hurtful to me and has caused me a tremendous amount of XXXX as I am now homeless and being discriminated against for this horrible alleged debt they have sent to collections and is showing negatively on my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of 2017 I received a hard inquiry from XXXX XXXX XXXX, which I did not authorize. I DID not request to obtain directly or through third party any loan or line of credit or charge card from XXXX in connection with this request.
Product: Credit reporting

I previously disputed the XXXX item off of my XXXX & EQUIFAX report on XX/XX/XXXX for XXXX and received the response below : I checked my credit again and it was put back on under XXXX for XXXX in the amount of {$530.00}. 
XX/XX/XXXX Completed XXXX Reported on XX/XX/XXXX {$530.00} Item Results Result : No Longer On File - XXXX has found that the disputed item is no longer on file. 
Dispute Reason Ownership : The creditor agreed to remove my liability on this account.
Product: Credit card

The application for a Discover Card was submitted in my name today and I did not do it
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: Debt collection

Someone stole my Identity, and turned into me, Using my name social security number .created drivers license and ID in my name and more horrible things. Several ID theft reports have been filed and a freeze and alert has been placed on all 3 credit bureaus.
Product: Mortgage

On XX/XX/2018 my husband was assess to have a XXXX XXXX XXXX XXXX  XXXX. We live in XXXX County IL where we are now 100 % tax exempt. We faxed to Freedom Mortgage all of the documentation showing the home was 100 % tax exempt and that the tax they had already collected was more than ample for anything that might be outstanding. We asked that the escrow be cancelled since we have our own insurance and there is no tax due. 
Freedom Mortgage recognized the exemption but asked for added information in XX/XX/2018 I then supplied added letters from the XXXX county assessors office and they updated their website to reflect the XXXX amount due as requested from Freedom Mortgage. They continued to try and collect the totally escrow amount due included the non existent tax. I had the township assessor in XX/XX/XXXX write a 10 page document to the Mortgage company stating that there is no tax and I was told by Tax department that this letter was more than was needed to remove the tax. They took 30 days to do a escrow review they decided to remove most of the tax butt forgot to retro activate it to XX/XX/XXXX. So through XX/XX/XXXX and XX/XX/XXXX we are working on getting tis issue fixed. During this time that have been reporting on my husbands credit report a collection for amounts that are incorrect. During our XX/XX/XXXX call I found out we were being double covered by insurance since we have our own. On the XX/XX/XXXX I spoke to XXXX in the insurance division where this company has been collecting money with the premise that they had insurance. I called XXXX XXXX and requested information on the insurance policy. I found out that no such policy exists and that Freedom mortgage has been collecting these funds since XX/XX/1016 on a insurance policy that did not exist. That XXXX in the insurance department confirmed had been cancelled at least a year or more ago but the proceeded to collect funds ( Insurance Fraud ). So as of today they added the tax back on the payment ( which doesn't exist ) and the insurance premium for insurance that doesn't exist.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, I used my Cash App account to buy XXXX at the request of my XXXX XXXX XXXX son who was unable to buy XXXX with his own Cash App because he is XXXX XXXX  I bought {$43.00} worth of XXXX and sold it within an hour because the price had soared. I then transferred the cash that I made from the sale ( roughly {$3700.00} ) to my son 's Cash App account. It never made it my son 's account. What followed has been a nightmare. My son 's XXXX account was compromised. We have had to open 2 new accounts at XXXX, one of which was hacked again. Access to his phone was compromised. We had to wipe his phone and get him a new phone # because whoever had done this was calling his contacts, trying to facetime his contacts. They accessed his checking account and tried to deposit fraudulent checks into his account. They XXXX  money from his account to a friend 's account. XXXX flagged the fraudulent transactions but Cash App has been a nightmare. Their app is not secure. We have called to complain and they say that they will get back to us but it can take 10 days. It has been more than 10 days & we have heard nothing. My wife tried to file a CFPB complaint and the response was she is not the owner of the account so the case is closed. Well I AM owner of the account and I am complaining. If you try to question them about anything they hand up on you. No one should be using Cash App because it can be easily accessed and then they do not help you with your issue. A warning should be included with the download that your information could be at risk.
Product: Payday loan, title loan, or personal loan

this company has been taking money from me for many years and the balance never decreases, i feel they are illegally garnishing my wages as i have never went to court on this issue nor have they obtained judgement, they are in another state then i reside, please help resolve the practices that i feel are illegal and causing me hardship
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX 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

My name is spelled XXXX XXXX any other way is in correct There are also addresses on my Report I never lived at. 

I uploaded my XXXX XXXX bankruptcy discharge letter from XXXX any negative credit reporting before or after should be removed.
Product: Student loan

I was sent a billing statement from advantage, my federal student loan servicer. But my loans were in a graduation grace period which eneded the same month covid forbearance began and have been under covid forbearance since than. 
Aidvantage is saying I owe a payment starting XX/XX/XXXX but my loans are under covid forbearance until the expiration of the the ongoing covid forbearance extended by the XXXX administration. 

They are trying to be misleading and say that forbearance is only until XX/XX/XXXX.