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

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. I also saw that I had a debt of child support and I have never been put on child support. I did some deeper investigation and I was told that someone used my name to try in collect monthly payments. Please remove these unknown items from my report as soon as possible. These are fraudulent accounts. 

XXXX  XXXX  XXXX  XXXX {$8500.00} US DEPT ED XXXX {$3500.00} US DEPT ED XXXX {$14000.00} DPT ED/XXXX XXXX {$62.00}
Product: Credit reporting or other personal consumer reports

I was shocked to find incorrect accounts on my credit report this morning with no clue as to why. I regularly monitor my report, and this time, there were unexplained discrepancies that werent there before. I tried refreshing my browser, hoping it was just a temporary glitch, but the inaccurate accounts remained. Given this issue, Im requesting a thorough review of the documents Ive sent so I can finally feel confident about my credit report again.
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuits highlighting significant issues with the platform.
Product: Student loan

I was released from my last job on XX/XX/2023. I called Mohela/XXXX that day to get my loan put into forbearance while I look for a new job. They said forbearance does not exist for private loans ( which it does ) and due to my savings I had at the time, I could not get a lowered payment. I have been paying {$540.00} a month since then out of my savings. Next week will mark my XXXX month anniversary of not having a job and I'm out of savings at this point. I called MohelaXXXX again and asked to be put into forbearance and was told it does not exist for private loans, but I could get a lowered payment of about {$210.00} a month. I reminded them I have no savings and no income and I don't even know how I'm going to pay rent after this month. Their response was that I could take the lower payment or continue making the full payment and then made a point to ask me which one I wanted to choose. I chose the lowered payment, not that it helps any. I can't pay even that at this point. If they had allowed me to do a lowered payment back in XXXX, I would still have some savings left and could have lasted longer, but now all options for me are gone. 

I stated I was going to contact DoE and CFPB to file complaints and suddenly the rep I was talking to was interested in having me speak to a supervisor. Of course none are available ( they never are ) and I was promised a call back within XXXX hours ( which they never do ). So, my current situation is I'll no longer be able to make payments and my credit is going to take a hit for non-payment and then I'll go into default. Maybe I should just file bankruptcy.
Product: Credit card or prepaid card

On XX/XX/XXXX around XXXX XXXX I attempted to log into my account Through Bluebird american Express prepaid card account. The website told my password was wrong, I attempted to reset my password and it would not allow me but sent me an email stating Hi, XXXX XXXX, During our recent review of your American Express Bluebird Account, we identified Account activity that we believe violates the terms of the Bluebird Member Agreement. 

As a result of such activity, and pursuant to Section 22 ( d ) of the Bluebird Member Agreement, your Account and your Account privileges have been permanently suspended.

If you have any questions or would like to inquire further, you may write to us at the following address : Bluebird Customer Care XXXX. XXXX  XXXX XXXX, GA XXXX Thanks, The Bluebird Team I read the policy and I have done nothing to as which it states. I have tried to call all the numbers within the states to contact them and no one can help me or tell me how to resolve this issue. When I call the number on the back of my card all it tells me is my account is closed and hangs up. I have called American Express they have no idea how to fix the issue/ I had a guy tell me to choose lost card to get an actual person on the line by calling a number he had not the one listed on the website. I did that and the young lady told me it could be months before this is resolved. I do not have months I have a family account set up with this prepaid company I have money in my savings through them plus my unemployment had just been deposited 20 minutes before i got the notice it was suspended/ Can you please help meXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my lease off XX/XX/18 ... XXXX aka XXXX XXXX XXXXXXXX XXXX Spoke to XXXX the Mgr after I sent a receipt showing the account was paid in full, she said they are not responsible to remove the fraudulent balance and to call the 3 credit agencies and have them delete it. I made all payments on time and have the payoff letter..This should not be on my report they should remove this ... XXXX
Product: Credit reporting or other personal consumer reports

Equifax still hasn't remedied the issue they created on my credit file. They have my name wrong an said they they would have to check into the issue and asked me to send them documents. This IS NOT an appropriate response! Where is the proof they checked with any creditor as they did not show proof this actually happened! It has taken them more than 60 days to do absolutely nothing, but ask me to supply them with paperwork. NO! They created this mistake and they should fix it. I would like to see proof that they actually contacted a creditor that they said has my name wrong. I want PROOF! They are not telling the truth! None of my creditors or even other credit reporting agencies have ever come across this problem. Equifax must fix this issue once and for all without any help from me as I didn't create this issue, they did! I want this taken care of immediately. It has now taken well over 60 days and still no answer! This is ridiculous.
Product: Vehicle loan or lease

This is another one of numerous corporate fraud complaint that i have submitted against Hyundai finance. After the previous complaint was settled, they called to apologized and adjusted the account to reflect the accurate amount. In XXXX, XXXX all outstanding balance of {$1400.00} was settled, which is in the amount of {$1000.00} paid on the XX/XX/XXXX, while another {$500.00} was paid on the XX/XX/XXXX and the balance should have been credit {$13.00}, while the account was brought into current. However, it does not reflect the outstanding balance credit of {$13.00}. Calculated debit {$1400.00}. Paid Amount ( {$1000.00} + {$500.00} ) = $ XXXX {$1400.00}. 

Nevertheless, after settled all the outstanding payment in XX/XX/XXXX Hyundai finance added additional {$370.00} to my monthly financed payment for the month of XXXX without any letter, nor call or notice. I contacted them to complain about the padded fees, after 3 days of avoidance to give reasonable reason for the illegal fess added to the account, they finally told us that it was for the re-possession fees. 

My car was never re-possessed at any interval and the fact remain that we never owned payment than 3 months, which does not triggered re-possession.They claimed that it was re-processed last year, XXXX in the month of XXXX. However, this is a lie. 
Additionally, there was not prior notice of re-procession. I have tried to reach them numerous times to remove the padded fees, but they told me they will never do that. Also, not viable explanation to support their story of just adding a fee of XXXX, XXXX to XXXX, XXXX. Right now the account is showing balance of {$840.00}, which is accumulated of the padded fees of {$370.00} + {$480.00} the real monthly payment. 

I feel like Hyundai finance does not want my account to be current, and this is why they lied and want to defraud me with additional illegal payment of {$370.00}. I want it to be noted that i feel like this is a retaliation towards the previous complaint i have submitted against Hyundai finance and they should be hold accountable with a heavy levy fees against them. If this goes unchecked i fear that Hyundai finance will justify the same reason to all their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 + Telephone Companies XXXX XXXX XXXX Inquiry from XX/XX/2018 + Truck Dealers XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 + All Banks XXXX XXXX XXXX Inquiry from XX/XX/2018 + All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 + All Banks XXXX XXXX XXXX Inquiry from XX/XX/2018 - All Bank
Product: Credit reporting or other personal consumer reports

XXXX has failed to provide written proof that I was the one who opened these accounts below ; XXXX XXXX XXXX - # XXXX XXXX XXXXXXXX XXXX - # XXXX XXXXXXXX XXXX XXXX XXXX I continue to hear the same response - According to our research, these accounts are valid. That tells me nothing - where is the written proof I requested? Anyone can call and report something- where is your proof, my signature? They have failed to submit this to me!
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. There are a lot of inaccuracies on my credit report that needs to be immediately removed until proven the information can be proves that it is valid. I have her attached & highlighted everything in XXXX. Experian, XXXX XXXX XXXX are listed in the attachment. Accuracy and fairness of credit reporting should be reported & these things are not accurate. There are non mailable address being reported which are also highlighted. I have no way of receiving mail to highlighted address so this would be mail fraud 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer
Product: Bank account or service

On XXXX XXXX 2015 I noticed a charge using my debit card for {$380.00} dollars. I contacted my bank TD Bank and disputed the charge. The charge came from XXXX XXXX who I called prior to filing complaint and they advised me that they did not show me being charged this. I filed a complaint with TD Bank on XXXX XXXX 2015 and they reissued me another debit card. I explained to them at the time that I never authorized Direct TV to make any charges to my card outside of monthly bill that I would call in to pay for service. Any how TD bank sided with XXXX XXXX and that was that for them. After calling around I found out why I received the Charge of {$380.00}. Prior to having Direct TV I had XXXX who had poor service in my area and with me traveling all the time I returned all their equipment and discontinued their service. This happen on XXXX/XXXX/2015 and I did not start up service with XXXX on XXXX/XXXX/2015. The XX/XX/XXXX XXXX merged with XXXX and They used my debit card to cover this charge from XXXX again who I never authorized to use my debit card. This is like someone hacking your account and taking whatever money they want and the bank saying OK. First this is a XXXX bank who should be bending over back wards for Americans if they want to operate in this country. Second and for the third time I never authorized this charge and even if I did owe XXXX money this is an improper and illegal way of collecting it. I feel the bank needs to be fined along with XXXX and XXXX.
Product: Debt collection

I have attempted to contact the creditor in order to verify debt but I have received no response nor documentation of the same
Product: Credit reporting or other personal consumer reports

Inaccurate information being displayed without even having proper written consent from myself to retrieve as well as display my personal information, also inaccurate information due to data breach
Product: Mortgage

Had home mortgage with Wells Fargo from XXXX. Attempted to work with them when I was transferred for work and needed to sell my home. The process to sell was horrible. I lost 3 buyers because Wells Fargo failed to provide documents to buyer in a timely manner. The entire process took over a year before it was resolved. Was never able to get help online or via telephone, thankfully my new job was inside the Wells Fargo tower headquarters in Minnesota. After months of struggling with loan officers, the bank manger assisted in sending necessary paperwork so I could close on selling. My credit took a significant hit as the time for closing too forever. Additionally I was hit with numerous late fees because of their error.
Product: Vehicle loan or lease

CFPB this is a NEW COMPLAINT WITH NEW INFORMATION. Please do not continue to let this loan shark of a finance company to continue to close out as duplicate as this is not. I will not cease until my i receive recompense for being charged erroneous fees in this consumer transaction. 

Not only that, there is an affidavit that was initially sent and should be responded to with a affidavit responding to each fact. There are several violations here all of which i will compile and present to my attorney if i do not receive amount requested as a result of violations outlined or possible settlement
Product: Mortgage

XXXX XXXX  is a rip-off company that never gives modifications nor helps its customers get back on track. Stay Away from this company. They lie about not receiving modification paperwork and making the customer seem wrong. I have been going back and forth with this company for a long time and can not get any justice. Predatory lending at its best
Product: Debt collection

This company keeps calling me. First they were asking for some woman now this last time they asked for me. I have no business with them.
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 andfinancial loss, and I seek appropriate redress for these violations.
Product: Debt collection

This debt is a result of identity theft I have hired a attonty because this company refuse to follow the law as to verify the debt before inserting this debt on my credit file and now i have grounds for compansation. Please hold this company accountable for not verifing the debt before adding this account number '' ' '' XXXX with XXXX XXXX XXXX. Thanks
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. 

XXXX XXXXXXXX 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 an 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: Debt collection

An account is furnished on my credit report. Without the original creditor. I am confused about who this debt belongs to or what this debt is for.
Product: Credit card or prepaid card

Purchased an Amex gift card from XXXX for XXXX gift to mother in law. She tried to use it and the retailer continued to say problem with card not activated. I spoke to XXXX  with my receipt they shifted blame to AMEX prepaid card, I spoke to Amex and they had long wait times and several times hung up upon answer far too many times to be a coincidence. They finally after 2 hours on hold took my issue and provided me a bogus email address to send my receipt copy of card and documents. I XXXX  the correct email address and responded to an email they sent me from another email address as well faxed the required documents to their fax to ensure they had all information confirmed. I followed up on XX/XX/XXXX and they stated they did not receive the documents, I then resent the documents XX/XX/XXXX. I followed up and AMEX customer service acknowledged receipt of all documents and requested an additional 7 business days to investigate and resolve. I contacted them via phone on the XXXX day, however, they then aid they didn't complete the job and escalated to back office and 48 hours later would resolve. I called 48hours later and they said the update is wait another 3-4 business days for a response. No resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 have disputed these fraudulent inquiries multiple times with Transunion, XXXX and XXXX and they kept ignoring my request. So, Im filing a complaint against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again, I recently reviewed my credit report and noticed several unauthorized inquiries. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive UNAUTHORIZED inquiries and they need to be removed immediately. 

15 U.S. Code 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports-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, nor later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL STATICS FROM XXXX, XXXX AND TRANSUNION. Once again here are the inquiries that WERE NOT AUTHORIZED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Mortgage

Midland mortgage refuse to release funds for mortgage payments due to I am paying my insurance and asked that the insurance is removed from their escrow. They refuse to apply XXXX payment of {$710.00} less insurance escrow amount. They are holding funds and threatening foreclosure for failure to release funds and payment for mortgage payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a right to privacy and I never gave any one written permission to report these accounts on my credit profile Dept. of Ed XXXX, XXXX XXXX XXXX, US Department of Edu XXXX, US Department of Edu XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX
Product: Vehicle loan or lease

Contact agency about repo and having name removed from the account. Due to not having the vehicle, nor made any payments. I was just the joint owner to help the person get the car. I spoke to staff at the Bridgecrest agency. I was informed that I would have my name removed from the account and info updated on my credit to say paid by creditor. It has been over 30 days and I have not received any documents from our conversation or the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX, Account # XXXX, and XXXX XXXX XXXX Account # XXXX have 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
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 XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a 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 reporting, credit repair services, or other personal consumer reports

I claimed XXXX  XXXX bankruptcy in XX/XX/XXXX. I excluded my mortgage and continued to pay on my mortgage which Im current with through todays date XX/XX/XXXX. The mortgage company is failing to report my current payments to the credit bureaus and have not reported any payments since XX/XX/XXXX. They claim that my bankruptcy attorney never filed a reinstatement agreement and therefore its the lawyers fault. Regardless I have been making timely payments for the last two years and its not fair that my family is being harmed when current payments are being made. They should be reported to the credit bureaus so my credit reflects my mortgage. They send me mortgage statements every month and I pay on time. Theres no reason its going unreported. My fico score can not go up because my mortgage is not reflected even though Im current on all payments. Please help!