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

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit. XXXX XXXX ( XXXX : XXXX Experian : XXXX ), Unknown Name ( XXXX : XXXX ), XXXX   XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ), XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ), SXXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ), XXXX XXXX XXXX ( Experian : XXXX XXXX : XXXX ), XXXX XXXX ( XXXX : XXXX Experian : XXXX ), XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ), XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX ), XXXX XXXX ( XXXX : XX : Experian : XXXX XXXX : XXXX ), XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ), XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX ).
Product: Money transfer, virtual currency, or money service

On XX/XX/year>2024 there was an unauthorized withdrawal from my Coin base crypto account. Coin base allowed an unknown individual bypass there security measures and fraudulently withdraw approximately XXXX XXXX Dollars from my account. The monies was withdrawn at XXXX XXXX I DONT BANK WITH THEM. This act was done without my permission COINBASE IS A CRYPTOCURRENCY BROKERAGE.
Product: Credit reporting

There is a reported address for Oregon. I have never even been to OR.
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 these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX Balance : {$62.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Commonwealth finance is reporting a fraudulent account. I have never been treated at XXXX XXXX XXXX XXXX. I have no knowledge of this account, and Commonwealth finance has a long standing poor reputation for falsely reporting medical debt.
Product: Debt collection

I was served a small claims complaint from Midwest Credit collection Services in XXXXXXXX XXXX for XXXXXXXX XXXX to XXXX XXXX XXXX. However, all of the debts individually are for different providers within the XXXX XXXX XXXX XXXX. Each of the bills are all under {$500.00}. I was under the impression that you could not be sued for the medical debt under {$500.00} due to the 2023 medical bill act that was passed. What this collection agency has done is combined multiple debts into one lawsuit and filed a complaint against me. Some of the bills are a small {$33.00}. There are no medical bills attached to this complaint, so I have no information to confirm debts owed -is this legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a certified letter to TransUnion to dispute unauthorized inquires on my account. As of today, XX/XX/2020 I have not received any correspondence from TransUnion of the results of the investigation.
Product: Money transfer, virtual currency, or money service

Hello I sold some stock from XXXX XXXX ( CS ) and requested a direct transfer of the proceedings to my Bank of America NA ( BOA ) account. It seems the proceedings around $ XXXX got transferred to an incorrect account as the the account number in XXXX was incorrect but the Name and the the routing number were correct. Here the details of my actions without any results. 

XX/XX/2022 - The transfer was made from XXXX XXXX to BOA. 

XXXXXXXX XXXX - Run around between help desks to find where the money went. No one would tell me where the funds were deposited. BOA told me depending on the type of transfer ACH or Wire it would have rejected and sent back to XXXX Bank ( XXXX XXXX  ) if the three things did not match - Account Number, Account Name and Routing number and it may take longer for sending bank to receive the funds back if it was a wire transfer. I finally asked for escalation in XXXX and they assigned a Cust Serv Analyst representative ( CSA rep. ) to work with me. 

XX/XX/2022 - to date I have been working with the XXXX CSA rep. with no luck. Here are the details of research. 

XXXX CSA rep. helped me get the details on the funds transfer XXXX File and also a letter with details on the funds transferred. 

It was an ACH transfer and the funds got deposited into someone else 's BOA account even though the Name on the account is different. 

I also went to the local BOA branch ( XXXX ) the Cust. Serv. Rep. said they could see where it got transferred to and they could not do anything but call the central support on the issue. They also mentioned that the account holder would not have realized it as it was some with lot of money and had a lot of heavy transactions. They could not do anything and XXXX XXXX  has to initiate the request. 

Now BOA wants a " Hold Harmless Agreement '' from XXXX XXXX  along with a request to return funds with details ( the letter provided should suffice ) to be faxed to ( XXXX ) XXXX - XXXX. Then BOA will send the funds back to XXXX XXXX. The Hold Harmless Agreement template should be available with XXXX XXXX  or on the Internet. 

XXXX CSA went to their CS legal who declined on giving anything from XXXX, so lastly the CSA was going to reach out to XXXX XXXX  and see ... and she has not responded to me over a month. I do not know the situation of my funds nor have any idea on the approach. Should I go to lawyer or someone in the press with this issue? 

This seems to be a systemic issue which needs to be addressed. Why would Bank of America deposit the funds without checking the name on the account even if the account number was incorrect? Why didn't XXXX XXXX XXXX XXXX XXXX ensure the account number was correct before sending the money? Usually they charge a {$1.00} to confirm if the transaction is ok. Why isn't anyone helping me with this issue? 

Due to these issues I am without any funds for last eight months and interest amount for trusting the process of Online Transfer. I have always used Paper check for disbursements before then. 

I would appreciate CFPB 's assistance with this issue. Please reach out to me. 

Thank you, have a good day.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to report that Equifax has failed to comply with the Fair Credit Reporting Act ( FCRA ) regarding inaccurate information on my credit report. Specifically, they have violated the following provisions : 15 USC 1681e ( b ) : Failure to ensure accurate reporting.

15 USC 1681s-2 : Failure to investigate and correct disputed information.

15 USC 1681i ( 5 ) : Failure to notify me of investigation results.

15 USC 1681c ( c ) : Failure to remove outdated or incorrect information. 
Despite sending multiple dispute letters to Equifax, they have not resolved the inaccuracies or provided proper responses. I recently learned of the CFPBs lawsuit against Equifax for similar violations, reinforcing the improper handling of disputes, which mirrors my experience. 
Specific Violations : Failure to Investigate : I submitted disputes in XX/XX/2024, regarding incorrect information, but I received incomplete or no responses from Equifax. 
Ongoing Inaccuracies : The inaccuracies, have not been corrected. 
Failure to Notify : I have not received timely updates or proper documentation regarding the investigations into my disputes. 
Impact : The inaccuracies have negatively affected my credit, resulting in : Decline in Credit Score : My credit score has dropped due to incorrect reporting, making it difficult to secure loans and credit. 
Loan Denial : I was recently denied an auto loan, and personal loan, because of these errors, causing financial setbacks. 
Emotional Distress : The ongoing issues have caused significant stress, as I am unable to resolve them despite my efforts. 
I request that the CFPB requires Equifax to investigate and correct the inaccuracies on my credit report. Thank you for your attention to this matter. I trust that the CFPB will help me resolve this issue promptly and ensure that my rights under the FCRA are upheld. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Invoice to be paid for illegal late payments for deleted late payments.
Product: Credit reporting or other personal consumer reports

Im getting a lot of stall tactics from Experian trying to fix my inaccurate credit bureau due to XXXX data breach. I dont want to cause problems but I want my credit fixed and Experian keeps sending me these emails and ignoring my disputes. First, they said it wasnt me that was sending disputes so I had to send ID and utility bill and now again theyre saying theyre gon na do my disputes, I would greatly appreciate some help
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 gir and decea, as they rig 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 called me and asked to speak to me. I asked who is calling and they told me XXXX XXXX debt collection. Requested my date of birth for verification, I didnt give it to her and I asked what it is regarding, the person then proceeded to call out my date of birth. I asked again, what this was about and she asked for the last four of my social. I told her I wasnt giving that to her until I know what the call is about. She proceeded to call out the last four of my social! Then rambled off what the call was for. I asked to speak to a manager or supervisor and instantly regretted it. The man, XXXX is his name, that I spoke to was so rude to me. He tried to tell me that I agreed to the information for verification purposes. I kept telling him that at no point did I share that information but that his employee gave it to me. I told him that I was upset because it could have been someone else on the line. I asked the name of his company again and he continued to be extremely rude and started mocking me. I hung up and called back. In the middle of explaining the situation, I was put in hold and he was put back on the phone. I asked to speak to anyone but him and he told me that he owns that company and its private. They call me multiple times a day and on top of everything, I do not even owe them money!
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX XXXX XXXX XXXX XXXX When I moved from XXXX to XXXX in XXXX, my ex-wife and I shared custody of our daughter, and no child support was paid between the two of us. We had a verbal agreement to split any bills and expenses, which we did, from the time of our divorce in XXXX XXXX, which was agreed upon by the judge when our divorce decree was finalized. This continued well after I moved, and in XXXX of XXXX she decided to take me to court for child support ( even though custody remained shared ). Even though I never had an opportunity to appear and argue my side, this judge ruled against me and set a payment amount that was completely out of line from my income. I continued to fight this judgement. Two months later ( XX/XX/XXXX ), my daughter decided to move to XXXX to live permanently with me ( which her mom agreed ). All the while, enforcement continued from XXXX. While my daughter was living with us, XXXX transferred enforcement to XXXX ( not sure of exact date ). I went to court with a folder full of evidence and XXXXXXXX  stated they could only enforce, and any changes had to come from XXXX I continued to fight. From day one this account ( XXXX  ) has shown collection status. Fast forward to XX/XX/XXXX, my ex-wife has a change of heart and apologizes for the misery and torture she put me through and asks XXXX to withdraw enforcement. XXXX says they never received her request, and it was resubmitted by my ex-wife in XX/XX/XXXX ( after I brought it to her attention that the account was still showing open and unpaid ), which XXXX  acknowledged and withdrew. Even though I fought the legitimacy of this from the very beginning, XXXX  remains firm in reporting this as a collection account. I would like XXXX to either change the status from collection to paid ( or even unknown... as long as it's not negative ), or remove this altogether from my credit report. I find it odd that XXXX  doesn't report negatively against me, but XXXX does... and it was a XXXX judgement. How do we get XXXXL to correct this? I've filed disputes with Transunion, and they report it as accurate, but recently only changed the rating. I've added a consumer statement to my Transunion file, but I want the negativity removed from my report.
Product: Checking or savings account

I got a letter from Wells Fargo by mail on XX/XX/XXXX showing my checking account ending in XXXX will be closed by XX/XX/. The letter doesn't give any reason of the account closure. I contacted the phone number on the back of letter, XXXX, on XX/XX/XXXX, XXXX. One agent answered my call and tell me this is the final decision. They can not disclose any additional information.
Product: Money transfer, virtual currency, or money service

I am formally, expressing my concerns regarding Zelle handling of disputes, particularly in the 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. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CPFBs 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, credit repair services, or other personal consumer reports

To Whom it May Concern, According to my most recent credit report, the below company is currently reporting to the three credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report. 

XXXX ( Hotel and travel ) XXXX ( Retailer ) XXXX XXXX  ( Bank ) NXXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 



The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 



Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. 



Thank you XXXX XXXX
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX 2022.Someone used my information to apply for a loan at Speedy cash which led to a hard inquiry on my report.I tried to contact the company ( Speedy Cash ) to tell them my information was used without my permission.
Product: Debt collection

This is an old XXXX XXXX XXXX cell phone bill from XX/XX/XXXX which has already been bought and by XXXX with the amount of {$210.00} bought on XXXX XXXX. They have not contacted me until I did a dispute with XXXX XXXX a few days ago. Told them to stop calling because I cant confirm if they arent scammers. They have not sent me anything At all in the mail and no emails or anything. I think this whole thing is a scam on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Accounts opened in the amounts of : {$2100.00} {$610.00} {$170.00} XXXX XXXX Accounts opened in the amounts of : {$450.00} {$300.00} {$150.00} XXXX XXXX Accounts opened in the amounts of : {$690.00} {$410.00} {$120.00} XXXX XXXX Accounts opened in the amounts of : {$900.00} XXXX XXXX XXXX Accounts opened in the amounts of : {$80.00} This letter is being sent to you in response to notices seen on credit report and more importantly, due to your erroneous reporting. Its has highly made a negative impact my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX, XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$48000.00}, XXXX XXXX XXXX Balance XXXX {$2900.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of ________ These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

There is an unknown item listed through Swiss Colony which I have no idea what this is. Disputed, requested validation and of course nothing received but still is listed on my credit file. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX, I mailed a letter to TransUnion stating that an account is on y credit report in error. 
on the basis that, this company ( XXXX XXXX ) that's reporting a collections never served me, nor did they give me notice they were going place something on my report, as mandated my law according to the FCDPA and CFRA. 

this was not my first letter asking about this account : XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX This account ALWAYS gets verified or updated, but they never explain how. I've sent numerous requests to TransUnion on their practices and how can they verify an account that's not verified with furnisher themselves. 

I asked them to provide proof that the debt was min, proof they own the debt and can legally pursue it from me,, if they were registered in my state, etc. 
My responses was naught on those specific questions. 

I can not get the furnisher to send me proof, but they sent it to TransUnion?? I'm confused. 

XXXX XXXX is shopping around this debt to other collectors instead of responding to my request of validation.
Product: Credit card or prepaid card

All of a sudden 2 days ago i was unable to access Chase offers for two of my credit cards. The Freedom cards. I am still able to on my 2 other Chase cards ( business and XXXX ) emails, social media and two phone calls later and all i have been given is conflicting and wrong information, not to mention a waste of my time. One rep. told me they had to " refresh my account '' that accomplished nothing. The next one told me they ended the program for those cards, without notice, and then their Social Media rep told me that wasn't true. As usual with this bank, nobody knows anything, and all they seem to be able to accomplish is to ask repeatedly for my name and address and card number. A business would have to seriously make a concerted effort to provide more consistently pathetic customer service as this disgusting bank
Product: Debt collection

I have no idea why this charge is being reported to XXXX. This is an outstanding collection that was reported in XX/XX/XXXX. I saw Dr. XXXX XXXX XXXX XXXX. in XXXX. I have no idea why I would have this charge as I purchased a home in XXXX and my credit was cleared of any outstanding charges. I have had no recent collection letter or calls from this company. I have no idea why it would have been reported in XXXX.
Product: Debt collection

I sent RightPath a conditional Cease and Desist letter. They were to communicate with me only about the remedy I seek OR sending me documents I am requesting. I sent it certified mail, I have confirmation they received it on XXXX the XXXX. I received a called from a XXXX that is calling from RightPath, which sometimes serves as a debt collector. She called on the XXXX of XXXX ( XXXX am ) attempting to collect a debt. She violated the Cease and Desist and caused my wife and I stress and mental anguish over this alleged debt. I will be sending RightPath a letter of these facts.
Product: Mortgage

Nationstar doubled my payment based upon an error in their escrow analysis. 
XX/XX/2015 they increased my escrows for property taxes to {$330.00} a month. 
My property taxes are only {$730.00} every 6 months. or {$120.00} a month. 
I have tried in vein to get this issue corrected and I have proof that Nationstar was made aware of the issues in written correspondence dated XXXXI have offered to make principal and interst payments but was advised that I need to get escrows corrected first. 
Now i am four months behind. They have no record of my issues and have started a foreclosure action. They also sent in a crew to winterize the property and they did damage.to my property. 
RESPA doesnt allow Nationstar to collect that excessive amount of property taxes. And obviously this type of service abuse shows that predatory lending still exists