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

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 THE FOLLOWING ACCOUNTS ARE REPORTING INACCURATE TO MY CREDIT REPORT
Product: Debt collection

I Have no known knowledge of this account I've constantly asked the third party for validation of this debt and they have failed to comply and it is my right to receive fair judgment as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were all in default with 120+ lates -- transferred and closed ... I disputed with the credit bureaus and told them that there are multiple duplicate student loan accounts on my credit report and if they ca n't determine which ones are duplicate and original, that they must delete them all ... .Yet, I have duplicate student loans on my report and it looks as if I had multiple loans and I had originally borrowerd {$3500.00} now my loans are totaling {$7500.00}. Now it looks like I have numerous loans and I do n't.
Product: Consumer Loan

hi my problem is i took out a loan with las vegas fiance and when my due date came up i got a garnishment on my check by a deby collecter so i talk to las vegas fiance and told them that i wasnt going to be able to pay them right now because my check got garnish and they were like how much is the other company garnishing you right now and i was like XXXX percent then they told me that there were going to then take the other XXXX percent of my check because they were going to garnish me also. I know i took out a loan and im going to pay it its just i need a little bit of time
Product: Money transfer, virtual currency, or money service

I am filinga 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 Regulations E. These actions have cause significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

On XX/XX/23, XX/XX/23, and XX/XX/23 XXXX XXXX Acct Number : XXXX reported late payments to my report. According to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) transactions between the consumer and the person/Corporation making the report are not to be included on the consumer report yet this information is being reported to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX : {$6700.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$5100.00}.
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 Protection Act ( CFPA ). Specifically Cash app, failed to take timely and effective measures to prevent 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 ( ETFA ) 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

IN XX/XX/2022 I PULLED MY CREDIT REPORT AND IMMEDIATELY NOTICED INACCUARTE INFORMATION AND LATE PAYMENTS AND LATE PAYMENT ACCOUNTS BEING REPORTED ON MY CREDIT REPORT FROM EXPERIAN. I REACHED OUT TO EXPERIAN THAT SAME MONTH TO LET THEM KNOW OF THE INACCUARTE INFORMATION AND TO HAVE IT FIXED IMMEDIATELY. IT WAS CAUSING A GREAT DEAL OF XXXX AND XXXX XXXX AS A SINGLE MOM. I FIRST REACHED OUT TO EXPERIAN BACK IN XXXX OF XXXX VIA TELEPHONE TO LET THEM KNOW WHAT I HAVE DISCOVERED. EXPERIAN THEN PROCEEDED TO TELL ME THEY WOULD OPEN AN INVISTIGATION TO GET THE ISSUE RESOLVED. TO SEND IN SOME SUPPORTING DOCUMENTS TO BACK UP MY CLAIMS WHICH I DID. EXPERIAN WAS THEN ABLE TO REMOVE ACCOUNTS THAT DID NOT BELONG TO ME HOWEVER EXPERIAN HAS FAILED TO UPDATE MY CREDIT REPORT ENITRELY DUE TO THE FACT THERE IS STILL LATE PAYMENT ACCOUNTS ON MY CREDIT REPORT. THERE IS ALSO LATE PAYMENTS BEING REPORTED. ALONG WITH XXXX HARD INQUIRES THAT IS ALSO AFFECTING MY CREDIT SCORE. WHICH I HAVE EXPRESSED TO EXPERIAN NUMEROUS OF TIMES VIA PHONE AND THROUGH CERTIFIED MAIL THAT THE INFORMATION WAS INACCURATE AND TO PROVIDE SOME SUPPORTING DOCUMENTS TO VALIDATE WHAT WAS BEING REPORTED. HOWEVER, EXPERIAN HAS FAILED TO DO SO.
Product: Checking or savings account

I have had it with Wells Fargo. Over the past XXXX months, I've experienced financial hardship with my contract ending at a job I had. I've been unemployed during this time and had to rely on driving XXXX while attending grad school. Wells Fargo recently XXXX the ability for my account to overdraft which has made my situation even worse by bouncing ACH and debit transactions on things I need and rely on. 

The final straw was today when I saw that a company that I put a stop payment on charged my account twice in the past week. I reported the transactions as unauthorized as the company took money out of my account using fraudulent checks and the agent, whom I could barely understand told me that he would have to close the account ( I think he meant to say restrict online access to my account ) and that he can transfer me to the department that can have me re-access the account, however, I was transferred to the wrong agent and the agent transferred me to another fraud agent. The second fraud agent said that there was no claim made on my account and that she would have to make one, she offered that I could stop the payment or go into a process that would close the account - however after informing her that I will leave Wells Fargo if im charged a stop payment fee I was put on hold and told that I won't be able to put a stop payment on the payments, even with a fee and that I would have to go into whatever process she was talking about. Frustrated, I was sent over to an escalated support agent who was just as bad as the first two, I further declined for them to continue the claim and told her that I will leave Wells Fargo next month. I was told that the department responsible for giving me access back on the account was closed and that I would have to call tomorrow. 

I do not know if my deposits will hit the account tomorrow, I do not know If I would have access when I call, as I no longer trust this bank.
Product: Credit card

This is for a XXXX XXXX XXXX. Due to 60 days past due from me being XXXX, due to a XXXX XXXX XXXXXXXX  restricted my card. My mom sent payments in manually to the mailing address for XXXX. I have never been late prior to my XXXX  injury in XXXX XXXX, I had an exceptional payment history. I ask XXXX as goodwill to reverse the 60 late reporting and they refused even though i had exceptional payment history with them. This is no way to treat customers that were injured but still manage to pay their bills on time. I will like someone to look into my account and attempt to reverse the 60 days late reporting.
Product: Debt collection

Upon moving out of the XXXXXXXX XXXX, I was not notified about any outstanding charges or bills. 

On XX/XX/2021 I received a collection bill from CCM for {$130.00} with an account # XXXX. I have no idea what is owed to XXXX XXXX since the account # CCM reports is # XXXX Is this collection attempt a mistake? I have disputed this supposed collection through the credit bureaus and a direct letter to CCM.

The bureaus responded it was verified, what was verified?

CCM never responded.
Product: Credit card or prepaid card

XXXX XXXX creditor, revolving charge account is fraudulent. It has been settled beyond controversy, a bank can lend its money, not its credit. XXXX XXXX has created a constructive fraud, peonage, conspiracy, and dishonor which have resulted in my XXXX XXXX XXXX XXXX XXXX. I have written several letters to XXXX XXXX to resolve this matter.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding the lawsuit of how Zelle was found to have had issues with protecting consumers from possible scams or lost of funds based on the recent findings of CFPB. Despite using Zelle on numerous time and reporting discrepancies, my bank took no action to properly investigate any claims that may have been made.
Product: Credit reporting or other personal consumer reports

These accounts are not mine, they have incorrect information and greatly affect XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I got your decision that you would denied my request about removing the credit report that is listed on XXXX XXXX and XXXX. I have strongly disagree with the decision that you made and think that your company did not look deeply into the matter. 
Even tho it was in the terms and services that you stated. Stating that you guys was going to make a hard inquiry is not listed in the agreement and i did not agree to you guy pulling a hard inquiry on my credit report. 

The fact remain i was coerced by your employee who told me misleading information that they would be making a soft inquiry to determine my eligibility. Even if it was misunderstand on both side by me and the employee, it doesn't benefit either the company or me from such a enquiry that would remain on my credit report for such along time for a simple mistake that was made. I did plan on buying the XXXX in cash when i save up enough money but was persuaded by the employee who is a representation of best buy and who i trusted with the information that was given to me. I did end up getting the XXXX computer at a later date which was my intention i send a copy of the receipt. 

It would benefit both the company and the customer best interest if best buy could over turn their decision and take the hard inquiry of the credit report. this would indeed benefit best buy when i do take out the credit card at a later date since i have now established my credit score back then i was ignorant about how credit score worked and how credit report work and now if the company could work with me to come to better understand of the matter. If not i would not take out or do business with best buy any more because i would find it unfit on unsatisfactory if they could not forgive their customer and so i could not forgive them with misleading me and for mistake that both parties made. 

I hope the company look into the matter and we can come to an understanding, i really hope that you guys would be able to fulfill my request. I would be really please if my request would be granted, i know the company makes mistakes before and would love and ask customer to forgive them so it would be fitting if a trustworthy brand as best buy could fulfill the request of their customer and to rebuild that relationship with me.
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX  XXXX XXXX Opened : {$840.00} XXXX XXXX Date Opened : {$840.00} XXXX XXXX Date Opened : {$840.00}
Product: Credit reporting or other personal consumer reports

I have been trying to get chime bank to update my payment history since XXXX, supposedly they report monthly to the credit bureaus, however I havent had an update since XXXX, I have called chime several times m, Ive emailed them, Ive chatted, and they always say they will Fix it and they dont. So finally I submitted a dispute with XXXX requesting the information be corrected and updated and even provided my credit statements for the months that were missing ( XXXX, XXXX, XXXX, XXXX ) and XXXX came back saying that everything was being reported correctly and denied my claim. I also received an email stating this. Which is in direct contradiction to what they had told me weeks previous when I spoke to them about fixing the lack of reporting. I spoke with them again today ( XXXX ) and they informed me a specialist would Reach out within 24 hours to address the issue. Which they have said every time Ive spoken with them and still havent actually gotten a response from anyone. At this point its absolutely ridiculous and its negatively affecting my credit report as its showing a high balance where there isnt one.
Product: Checking or savings account

Update to a complaint from late XXXX, Bank of America overdraft fees now elevated to {$210.00} in the last thirty days. 

Bank of America customer service claims that due to prior federal law enforcement intervention they are required to " treat all customers fairly and equal '', and that recent bank policy prohibits them from reversing more than {$140.00} in overdraft fees in a year. Cited extenuating circumstances due to faulty administration of a XXXX XXXX Trust, no regard for that whatsoever. 

Extenuating circumstances : Trustee refuses to disburse since XXXX of 2018 and demands I properly budget my Social Security and use government services designed to help the XXXX, causing severe global problems related to my welfare. Matter under investigation by Adult Protective Services and XXXX County District attorney 's office. 

Bank of America has not treated me fairly or equally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am on a COVID forbearance program with my Mortgage company ( U.S. Bank ) since XX/XX/2020. The credit bureaus are supposed to be reporting that I am current. The Mortgage company ( U.S Bank ) said that being in the program will not affect my credit score. But my credit sore is being affected every month since XX/XX/2020. XXXX  is reporting that Total balance on all your mortgage accounts ( s ) has increased by {$1300.00}. This change applies to the sum of all Mortgage balances.

They need to stop reporting this and go back and fix all the reporting so my credit score will not be affected. Because while I am in the COVID forbearance program XXXX  should be report my mortgage as current. Please contact TransUnion have them please correct this incorrect reporting. My credit report dropped XXXX  points Thanks
Product: Checking or savings account

My name is XXXX XXXX XXXX. On XX/XX/2017 thieves broke into my car and stole my purse with my Bank of America debit card and my personal ID. Immediately, I called the back to have my credit cards cancel. I made a police report. Because I collect my pension from XXXX, I couldn't cancel the bank account itself but work out with the bank personal to keep this open and they open another one in the meantime. I called my bank in XXXX the one who deposits my pension- they were also aware that I was changing bank accounts but asking me to keep it open because of bureaucracy the change can not be made immediately. During all this time the bank personnel was aware of this ... and were waiting for my pension.. ( less than {$500.00} per month ). They were also aware of what had happened related to my stolen purse. My bank account never NEVER has had more than {$500.00} dollars. I don't even have personal checks, I just use the debit card, I don't have a credit card. Thieves first cashed {$60.00} dollars. I called the bank and they refunded it. But days later they fake a {$1.00} deposit and cashed too ... I never had that amount on my bank account. During all this time I called the bank many, many times, and they told me they were investigating ... HOWEVER, after waiting for weeks, I got a letter that says that I owe the bank {$800.00} ... and that the incident is closed. I did not pay that. But now, two years later the bank deducted {$160.00} dollars ( all that I have ) from my bank account + {$40.00} + {$70.00} the following days so my account is in red. I contacted the bank and the only option offered was 'a payment plan ', I am desperate. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

At XXXX, and Credit Karma, the later couldn't let me through, and XXXX would not continue the prompts online, making it frustrating. My room mate, XXXX got hers, but I could not. I need it to rent an apartment, or I will be homeless!! please tell me how I can get my report. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act Convergent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian, 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate reporting of late or missed payments for the following accounts, which should be listed as PAYS or PAID AS AGREED : 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 XXXXXX/XX/XXXX. Please update the account as Paid/Current.

Pursuant to 15 USC 1666b, a creditor may not treat a payment on a credit card account as late unless reasonable procedures ensure that each periodic statement is mailed or delivered to the consumer at least 21 days before the payment due date.

Additionally, furnishing inaccurate information on my consumer report violates 15 USC 1681b. The credit reporting agency 's failure to ensure accuracy has caused me severe stress and XXXX  due to these abusive and unfair practices.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor. 
Inaccurate Address : 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 XXXXXXXX Charge Off : XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXX Balance : {$14000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$3700.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$14000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$780.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$6400.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Collection : XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$920.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$910.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$750.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} Date Opened : 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  INQUIRIES : XXXX XX/XX/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 XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX violated my 609 rights by reporting incorrect information to TransUnion regarding my credit file. TransUnion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXXXXXX reported to the TransUnion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation on my consumer protection rights.
Product: Debt collection

Debt collector trying to take legal action over a debt that is not mine. XXXX is for a traffic citation in 2013 for a photo enforced camera. I was not driving the vehicle, and the original collector was notified of this. They have since assigned it to a debt collector who has not validated the debt when requested, and also is now threatening to garnish and wages. The second is for financial Aid, which is also invalid as I have an account for my federal student aid, that is up to date. It is ALLIANCE ONE
Product: Credit reporting or other personal consumer reports

I received a non credit score. And was told I qualify for the equivalent breech settlement. I could obtain for a credit card also due to this and had various incidences of identity fraud. On my XXXX account had to close account XXXX times and my debit card and online payment for XXXX scam and XXXX. I lost lots of money and time all documented in the settlement. I want help to take others names and I for off my credit report if its caused me these problems please.
Product: Debt collection

XXXX ,  XXXX ,  XXXX ,   XXXX  , none just now looking at my credit report I had identity theft someone been using my social