23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

The XXXX placed an illegal lien against me in XXXX XXXX when the person holding my power of attorney had entered into negotiations with the XXXX to make payment arrangements and to revise and resubmit my tax filings for the years in question in XXXX XXXX. Per an XXXX agent in XXXX Idaho ... .this filing was in direct violation of XXXX rules and procedures and the lien should never have been placed. The check for payment was then processed by the XXXX for the full amount one week later which means it was probably held up by mail volume at that time. Per my credit check in XXXX XXXX, the XXXX had not released the lien which, even if it was legal, should have been satisfied more than four years ago and reflected that fact on my credit record. It is the XXXX administrative incompetence that has caused this problem and now both Transunion and XXXX are refusing to correct my credit report to reflect 1 ) that the lien never should have been placed and 2 ) that it was satisfied in XXXX XXXX anyway. I submitted documents given to me by the XXXX agent in XXXX and XXXX is saying that it is not enough, and Transunion is refusing to remove it at all from my credit record with no explanation saying it will remain on my credit record until XXXX, when it never should have been made in the first place. So because Transunion and XXXX would rather play nice with the XXXX rather than do the right thing, my credit score is about XXXX pts lower than it should be. I would like XXXX these companies ordered to remove any record of that tax lien from my credit record as XXXX has done. All XXXX companies received the same information and the same letter from me explaining that the XXXX up but only XXXX understood the issue. If they still refuse to remove any reference to the lien, I will be forced to take legal action against them in federal court for deliberate wrongful reporting of a credit record, which is fraud. I am unable to attach the XXXX records at this time but can mail you a copy if you request it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed an XXXX loan for services from XXXX through their finance company, XXXX XXXX XXXX I paid off the loan, early and in full, without ever missing a payment. The final payment was made in XXXX of 2021. The account was reported as closed in XXXX of 2021. 

A week ago this account was reported as delinquent and 60 days past due. It shows a zero balance with an outstanding amount of {$220.00} on both my TransUnion and XXXX credit reports. I have called XXXX twice and they have verified this information. 

TransUnion 's Dispute Center was utterly unhelpful and kept glitching when I tried to submit documentation. I had to reach out to tech support twice and was told that if my statement of dispute contained NUMBERS ( like dates ) and special characters, as well as any of the file names ( which had to collectively less than XXXX and a limit of 5 attachments total ), the system " may reject my submission. '' I had to go back and type out my statement and change my file names using letters only. I changed browsers, cleared my cookies/cache, etc. 

I was told to open my dispute over the phone, which I did. Once the dispute was opened, I was told I would now have to mail the supporting documentation because I couldn't use the online system since I'd called to open the dispute. I tried to log back in to my account to verify the dispute was opened and found my account suspended " because my identity couldn't be verified. '' In my dispute with XXXX, I supplied the bank statement showing my final payment, the confirmation number from the final payment, a letter from the company showing my zero balance ( and a refund I was issue for overpayment ), a screenshot from when the line of credit was closed, and a screenshot of how the account appears twice on my credit report - once as closed, paid and in good standing, the other showing 60 days delinquent. 

I have disputed it twice with XXXX with the same results each time, even providing all of the documentation above.
Product: Credit reporting or other personal consumer reports

Please remove inquiries from my reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In XX/XX/2022 my business office and drawers was broken into and my checkbook was stolen. This incident happened during XXXX XXXX. On Monday XX/XX/XXXX I went to the Wells Fargo branch at XXXX, CA ( XXXX XXXX XXXX XXXX ) informed them about the theft, and asked them to shut down the bank account. They did close that bank account and set up a new bank account for the company and transferred balances. However, later on when we were reviewing bank accounts, we saw that two of the stolen checks ( with the old account number )

had been deposited and cashed out of the new bank account on XX/XX/XXXX. We have tried handling the issue with Wells Fargo bank, but Wells Fargo bank has not refunded the money to us. It seems that there was no point in closing the old account and reporting the theft because the bank did not stop the payment for the stolen checks. We would like this issue to be resolved with the bank.
Product: Credit reporting or other personal consumer reports

I am a survivor of XXXX XXXX, during which I was subjected to coercion and exploitation. As a result of this experience, several adverse credit accounts were opened or debts were incurred without my consent or knowledge. These accounts have caused significant financial and emotional hardship. 

I am requesting the removal of these fraudulent accounts from my credit report under the Fair Credit Reporting Act ( FCRA ) and the Debt Bondage Repair Act ( DBRA ). The accounts in question include [ e.g., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, etc. ], which I have detailed in my supporting documents. 

I have attached a Victim Determination Document ( VDD ) issued by a recognized NGO certifying my status as a trafficking survivor, as well as additional documentation to support this claim. I ask that these accounts be blocked and permanently removed to reflect my rightsasasurvivor.
Product: Debt collection

Subject : Complaint Against CAWLEY & BERGMANN for Unlawful Debt Collection Practices To Whom It May Concern, I am writing to file a formal complaint against CAWLEY & BERGMANN regarding their improper and potentially unlawful debt collection practices. Below is a detailed account of my interactions with their representative, which I believe violates the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692-1692p ) : Disclosure of Debt Details to a Third Party : On XX/XX/year>, at approximately XXXXXXXX XXXX, I received a call from a representative named XXXX. He stated that the debt in question was in my wifes name, XXXX XXXX, and proceeded to disclose the amount owed to me. 

Violation : Under the FDCPA, debt collectors are prohibited from sharing debt-related information with third parties who are not legally responsible for the debt ( 15 U.S.C. 1692c ( b ) ).

Unnecessary Collection Attempts Against Me : Despite confirming that the debt was not in my name, XXXX insisted on obtaining my personal information and questioned my decision not to assist my wife with the debt. This behavior was both harassing and intimidating. 

Violation : Harassment or abuse is prohibited under 15 U.S.C. 1692d. Additionally, attempting to collect a debt from an individual not responsible for the debt may violate 15 U.S.C. 1692f ( unfair practices ).

Threats of Litigation : XXXX stated that litigation might be pursued by a local law firm to settle the debt. It was implied that legal action was imminent. However, no documentation or further clarification was provided. 

Violation : Threatening legal action that is not intended or can not be taken is prohibited under 15 U.S.C. 1692e ( 5 ) ( false or misleading representations ).

Failure to Validate the Debt : When I requested validation of the debt, XXXX refused, claiming that the debt was not in my name. Despite this, the company continues to contact me daily about the matter. 

Violation : Debt collectors are required to provide validation of the debt upon request within five days of initial communication ( 15 U.S.C. 1692g ). Refusing to do so while continuing collection efforts may violate 15 U.S.C. 1692f.

Daily Harassment : I receive calls from CAWLEY & BERGMANN every day, which is excessive and intended to intimidate.

Violation : Excessive and repeated calls are considered harassment under 15 U.S.C. 1692d ( 5 ).

Based on the above, I believe that CAWLEY & BERGMANN has engaged in deceptive, abusive, and illegal debt collection practices. 

Request for Action I respectfully request that the CFPB investigate these actions and ensure that CAWLEY & BERGMANN is held accountable for their violations of the FDCPA. I would also appreciate any guidance on protecting myself and my family from further harassment. 

I have enclosed all relevant documentation, including a record of calls and notes from my interaction with the representative. If additional information is needed, please feel free to contact me at [ your phone number ] or [ your email address ]. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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> 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 of 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX 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!

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: Debt collection

Portfolio Recovery Associates filed a judgment against me for a debt that I did owe. I sent them a cashier 's check which they cashed on XX/XX/XXXX. I received a letter that my balance is 0. I have spoken to them on the phone numerous times with them stating my balance is 0. Now XXXX months later, they still have not processed my warrant of satisfaction. I have called the court to confirm that they have not received this paperwork. So I have a judgment on my credit report and with the court that I no longer owe. I have called them on 4 separate occasions to have this cleared up only to be told that I can call back. I am sorry but I should not have to keep hounding them to finish this up. I paid the debt, I no longer owe it so the warrant of satisfaction should have been filed a long time ago. This is the second time that I have had to file a complaint against this company. I do not trust them at all!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been completely unable to access my credit report through Experian ( or literally any other company/avenue, including other credit report agencies and my bank 's services ). XXXX XXXX was unable to tell me anything about what the issue is. 

When I try to get my report from Experian on their website, it first asks me for my general info. Then I get sent to another screen asking for additional info to confirm my identity. After I supply the additional info I am given an error message saying that there has been a technical issue. This same ordeal happens with any service I use to try and access my report. I have had this issue since I started trying to get access to it last year ( XX/XX/XXXX ). 

I have sent a letter to Experian to get this resolved ( XX/XX/XXXX ), but I am growing impatient and am not even sure if they will respond to my letter. I am DESPERATE to at least figure out WHERE I need to go to learn more about and fix this issue so I can access my credit reports and get my life back on track. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a merchandise in XXXX XXXX they offered a credit card and I accepted after that the balance was payoff. never use the card again, months later they cancelled the card saying my credit report was too low XXXX and that I have many delinquency balances. all that information is not accurate. I recently bought a house, and it upset me that this bank try to discredit my credit record.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. The informed 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 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

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Experian. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Late payment : account : XXXX, XXXX : XX/XX/year> Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
XXXX. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reached out to XXXX, experian and XXXX about XXXXXXXX XXXX saying a debt they claimed I owed, I requested a debt verification. To my surprise, I received a letter stating that the debt had been verified, but no supporting evidence was provided. I immediately disputed the debt and requested written proof, but it's been three months and I still haven't heard back from them. Every time I try to follow up, I receive a letter confirming the validity of the debt, yet they still fail to provide any proof. The total amount in question is {$900.00}, {$770.00}, and {$340.00}. Despite my repeated attempts to resolve this, it seems XXXX and XXXXXXXX XXXX is unwilling to provide the evidence I need to verify this debt. It's frustrating and I'm determined to get to the bottom of this.
Product: Credit reporting or other personal consumer reports

iam a victim of identity theft and i ve never used my credit i found these fraudulent accounts on my credit report and i dont even know how they reported with me knowing or receiving anything this is illegal as of 15U.S. Code 1692g validation of debts and 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. 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, other than records of convictions of crimes which have dates the reports by more than seven years.15 U.S.C.1681s-2 ( a ) ( 1 ) A PERSON SHALL NOT FURNISH ANY OIONFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON knows or has reasonable cause to believe that the information in inaccurate XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and all these inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I deposited stimulus check of {$1400.00} prior to the cutoff time of 5pm est required by bank for check to be processed the same day and for funds to be available the next business day. Chime back is violating regulation cc by not making my funds available the next business day. Chime also breached the agreement set by the institution that states the the funds would be available the following business day. After speaking with chime, I am being advised that the funds would not be available until after the business day has ended. Chime is not only unnecessarily holding the funds but they took the liberty to repay the XXXX XXXX I was overdraft but did not make any other part of the deposit available.
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 procer 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

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}, {$12000.00}, {$1900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account.
Product: Checking or savings account

Every time I try link my Pnc account with an app, Pnc blocks it. Its my account and my money and I want to link it an account like other banks allow their clients to. Pnc shouldnt be able to decide when I can or cant access my account!!
Product: Student loan

I have been paying my loans ( two separate totaling {$25000.00} ) since i started school- small payments of {$25.00} a month during school and then payments after i graduated in 2014 of XXXX ( one at {$160.00} and the other at {$130.00} ) since then. In late XXXX XXXX i contacted Navient to try and lower my payments, because I want to pay, I just can not afford it, but they told me I did not qualify, even after going through and doing a financial statement that showed I was over {$300.00} in the red BEFORE I paid my loans with them. My parents both consign on a loan each and they both completed financial statements, which Navient said they did not qualify for loan payments being lower. They then told me that my only option was to go into forbearance and paying the {$100.00} FEE. I am now struggling with what to do and where to go- I have let my bank account get overdrawn paying them, but I am unable to move forward like this.