23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX Balanced {$0.00} 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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Convergent : account 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 a account without my written instructions.
Product: Student loan

Since MOHELA sued to stop the XXXX plan, XXXX applications are not being processed. XXXX XXXX, if the servicer can not process an application within 60 days, they must place the applicant in an interest free forbearance. MOHELA did not do this for me, and when I called to get this done they told me I was on a different forbearance, and so had to call back once my different forbearance expired. When I called back, I was on hold for XXXX minutes and then MOHELA hung up on me. I called back again several days later and requested a callback to avoid MOHELA dropping the call on me again ; after waiting XXXX minutes for a callback, a service rep called and stated they could not handle my request and placed me on a further XXXX hour hold. I then began to speak with a service rep who told me that the forbearance would accrue interest, then transferred me to a supervisor who was unavailable, and I was promised a callback without any specified timeframe I will most likely be unable to pick up as this was my only day off this week. I will likely have to engage in this process again and again and again. MOHELAs conflict of interest appears to incentivize them to XXXX ) avoid implementing policies from XXXX that will cause them to lose any money at all and XXXX ) is engaging in intentional deflection of customers to avoid actually dealing with this. They should not be a federal student loan servicer and I would be interested in any class action lawsuits available to hold them accountable for their nonsense.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit I realized that there are accounts still on my report that do not belong to me. They were opened by someone and maintained by someone other than me without my permission. 

XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$890.00} XXXX XXXX Opened Date XX/XX/XXXX Balance {$4300.00} XXXX XXXXXXXX XXXX Opened Date XX/XX/XXXX Balance {$4400.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been attempting to make payments on my Comenity cards. I have New York & Company, Victorias Secret, Express, Ulta and BJs. The website to make payments has been down for almost a week, they wont accept payments online, called the company and get a message saying the call center is closed due to unforeseen circumstances. This is unacceptable!
Product: Debt collection

After several unsuccessful attempts to have this alleged collections account deleted from my credit report via a dispute process with XXXX, I sent a letter to XXXX Collections that requested validation and disputed the account in full. 

I sent the letter via USPS certified mail on XX/XX/XXXX, and a delivery was attempted on XX/XX/XXXX. 

Over the next several weeks, I regularly checked the tracking to see whether the letter had been accepted or scheduled for redelivery. When there was no activity by XX/XX/XXXX, and the letter was scheduled to be returned to sender after XX/XX/XXXX, I became concerned that XXXX was refusing to accept the letter as an evasive tactic. 

On XX/XX/XXXX, I mailed XXXX a second letter via first-class mail that mentioned that this was my second attempt to make contact and reiterated my that I was disputing this account and requesting validation. On XX/XX/XXXX, XXXX accepted delivery of the letter. As of XX/XX/XXXX, I have received no response from this collections agency. 

The FCRA makes clear that disputed information that can not be validated by a furnisher must be deleted. XXXX Collections has ignored my validation request and continued to send verification of the debt to XXXX without actually validating this ostensible debt and my obligation to pay it, which are clear violations of the FCRA. I believe that they are strategically continuing to furnish this data without validation as a tactic to coerce me into paying a debt that lacks any substantiation. 

I also believe that they are purposely misrepresenting the nature of the debt on my credit report in order to make it more damaging. XXXX uses several codes to indicate the status, purpose, and other information regarding an account. While I have not been given any validation of this debt, based on the alleged original creditor, and the fact that this company handles medical accounts, its likely that this is a medical debt. Medical collections are weighted less heavily than other collections accounts. The appropriate purpose code for medical accounts is XXXX or ( short name : XXXX ) ; XXXX Collections is reporting this account with a status code XXXX ( short name : XXXX ) and no purpose designation of a code XXXX. Due to the significant difference in the weighting of medical accounts, this omission appears to be another coercive tactic on behalf of the XXXX Collections, designed to give them more leverage in negotiating a payment. 

Because XXXX Collections failed to investigate my dispute and respond to my validation within the 30-day timeframe outlined in section 611 of the FCRA, they are obligated to delete this account. The fact that they continue to verify the account with XXXX puts them in direct violation of the the FCRA. I also believe that their credit reporting practices, such as their misrepresentation of the nature of debts, ostensible or legitimate, warrant scrutiny and should be investigated. It appears that this agency is completely disregarding their obligation to accurate reporting of debts, and will go so far as using fraudulent reporting practices in order to manipulate consumers into paying them.
Product: Credit card or prepaid card

Comenity bank issued me a low balance credit card for Torrid, which is fine because it's easier to use/pay/repeat. Comenity bank recently updated my available credit after payments, and would not allow me to use the available credit. First telling me I was late until I pointed out that I don't carry a balance as I pay each pur have when it's available to do so. All the reps and the supervisor would do is quote a non public policy of having to wait 10 days between making a payment before the card can be used. I read the t & c which don't state anything about this, I even read through them again while I was on the phone in case they were updated. Comenity couldn't tell me where to find this information publicly either. I also pointed out I have used the card, paid it, and used it again once the balance updated. All they would do is quote a policy I am unable to view publicly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is not responding to any of my numerous requests to investigate, verify and remove accounts from my consumer credit report that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts CREDITOR / COLLECTOR : XXXX XXXX Account Number : XXXX BALANCE : {$650.00}. 


CREDITOR / COLLECTOR : XXXX  XXXX Account Number : XXXX BALANCE : {$600.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX Account Number : XXXX BALANCE : {$620.00} CREDITOR / COLLECTOR : XXXX Account Number : XXXX BALANCE : {$0.00}. 
CREDITOR / COLLECTOR : XXXX XXXX  XXXX Account Number : XXXX BALANCE : {$510.00} CREDITOR / COLLECTOR : XXXX XXXX Account Number : XXXX BALANCE : {$1600.00} CREDITOR / COLLECTOR : XXXX Account Number : XXXX BALANCE : {$670.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX Account Number : XXXX BALANCE : {$710.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX Account Number : XXXX BALANCE : {$620.00} CREDITOR / COLLECTOR : XXXX  XXXX Account Number : XXXX BALANCE : {$700.00} CREDITOR / COLLECTOR : XXXX XXXX  Account Number : XXXX BALANCE : {$650.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX {$0.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX Account Number : XXXX BALANCE : {$620.00} CREDITOR / COLLECTOR : XXXX Account Number : XXXX BALANCE : {$0.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX  Account Number : XXXX BALANCE XXXX {$510.00} CREDITOR / COLLECTOR : XXXX XXXX Account Number : XXXX BALANCE : {$1600.00} CREDITOR / COLLECTOR : XXXX Account Number : XXXX BALANCE : {$670.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX Account Number : XXXX BALANCE : {$710.00} CREDITOR / COLLECTOR XXXX XXXX XXXX XXXX Account Number : XXXX BALANCE : {$620.00} CREDITOR / COLLECTOR : XXXX XXXX Account Number : XXXX BALANCE : {$650.00} CREDITOR / COLLECTOR : XXXX  XXXX Account Number : XXXX BALANCE : {$600.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX  Account Number : XXXX BALANCE : {$620.00} CREDITOR / COLLECTOR : XXXX  XXXX XXXX  Account Number : XXXX BALANCE : {$510.00} CREDITOR / COLLECTOR XXXX XXXX XXXX Account Number : XXXX BALANCE : {$1600.00} CREDITOR / COLLECTOR : XXXX  Account Number : XXXX BALANCE : {$670.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX Account Number : XXXX BALANCE : {$710.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX Account Number XXXX XXXX BALANCE : {$620.00} CREDITOR / COLLECTOR : XXXX Account Number : XXXX BALANCE : {$75.00} The Credit Bureaus stated my account was properly investigation but how is that possible is the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate, this ground for removal they also violated my rights under 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.

Also the credit bureaus took more than 30 days to complete my investigation.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

the problem is with equifax but eqifax continually has stated tthis investigation will take longer due to them having to send letters to my creditors to find out info. this is betwern equifax amd myself so why they try using creditors as the problem really has me concerned especially since this is 3rd complaint ive had to file due to there response being aimed at contacting my creditors when its equifax who cant provide me with my credit report or explain why they have no record of my history and when Ive applied for a car loan the dealership denied my credit on the grounds that equifax sends a blank report and Ive contacted them on 3 different occasions to fix this issue and still the cant seem to grasp the fact that there the problem?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXX  XXXX Balance : {$780.00} U S DEPT OF EDXXXX XXXX XXXX : {$3400.00} XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX  XXXX Balance : {$310.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX XXXX : {$100.00} XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXXF Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX & XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXX XXXX. XXXX Balance :- XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  Inquired on XX/XX/XXXX 2022
Product: Debt collection

X/XX/17   The  Honorable Consum er Financial Protection Bureau, Please be advised that the joint tort feasors of  STERN & STERN   XXXX   XXXX   XXXX  .,  XXXX , N.Y.  XXXX ,    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   , N.Y.  XXXX and the CIVIL   COURT OF THE   XXXX   XXXX   XXXX   XXXX    1  XXXX   XXXX   XXXX   XXXX  , N.Y.   XXXX    have has and is refusing to follow Federal law as well as private international l aw effectin g two consumers as trust res and one being a minor.     STERN & STERN and  its principal was notified and warned no less tha n three tim es of false debt collection and fraud by deceptive practices under  color  of law by notary presentments and invoiced for trespass, libel, slander etc.    STERN & STERN did s tart a false claim ( index #  XXXX   XXXX  ) against the TRUST name and D/B/A/  XXXX   V.  XXXX  a consumer and  religious trust not for commercial profit.     XXXX  V.  XXXX  or  XXXX ,   XXXX   XXXX  . as the consumer  defined did counter claim and try to remove to proper venue for remedy.   This Removal attempt was denied by  color  of law and with want of equity. It has caused a larger and/or additional tort.   A Rebuttal and denial was sent to your    XXXX   XXXX   XXXX   address recently FYI. You can merge with this complaint only if it helps.   <P/><P/><P/>    XXXX   XXXX   XXXX  . 32 15 U.S.C. 1692c ( d ) Attorney in factum All rights res erved
Product: Credit reporting or other personal consumer reports

The account was paid in full XXXX and closed however it states delinquent XXXX. 
The Account is being move between XXXX companies XXXX and XXXX XXXX. Act # XXXX.
Product: Credit reporting or other personal consumer reports

I have been a victim of idenity theft. My personal information has been used to obtain goods and services. I Contacted XXXX and told them that this inquiry are fradulent and provided proof, even though they told me that this inquiry were verified. Pleas dispute and remove this fradulent inquir from my credit report XXXX XXXX XXXX  XX/XX/year> XXXX
Product: Vehicle loan or lease

I purchased a XXXX  XXXX XXXX XXXX from XXXX XXXX. 

I financed the purchase with a $ XXXX down-payment through Chase Auto . 

One month after I purchased the car, XXXX XXXX announced that they would file bankruptcy before the end of the year. 

I asked to be let out of the financing contract as many of the features I purchased as part of that contract, had not been delivered, or were malfunctioning, or would cease to function once XXXX entered bankruptcy. 

It has now come to light through news reports that XXXX has been and was aware of serious financial concerns as early as XXXX of XXXX. 

Chase auto, who is the formal financing partner to XXXX XXXX handled all financing new of these issues and the pending bankruptcy, and yet continued to finance loans for cars that would be delivered incomplete and likely become inoperable post bankruptcy. 

I financed with Chase Auto for approximately $ XXXX. 

I asked Chase to negotiate a buyout at a lessor amount and they refused that option as well. I finally received the title to the car two months after financing, because XXXX and Chase new the loans would be completely invalid without them prior to the bankruptcy. 

Chase along with XXXX XXXX, knowingly frauded thousands of consumers in the purchase of these vehicles. 

I am asking them to be investigated along with XXXX XXXX. I want to be let out of this contract and to receive my $ XXXX deposit back. 

If that's not possible, I would at minimum want Chase auto to refinance the loan amount to the current value of the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is committing IDENTITY THEFT, I have NEVER gave permission nor written consent to report my PERSONAL information. The inaccuracy and improper use of my consumer report has caused an extreme burden on providing for family. According to the US District Bankruptcy court they do NOT provide personal information to reporting agencies, therefore there can not be a furnisher to verify the information. This information is only accessible on the XXXX system and they have a privacy discloser on their website that they DO NOT send information to XXXX parties. Retrieving a consumers private, personal information for profit is fraud. How can any of these companies state there is accuracy and verification, if the courts admit to NOT providing personal information?
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. despite using zelle numerous times and reporting discrepancys, 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 CFPB 's 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 raises serious concerns about consumer safety.
Product: Credit card

This complaint is in regards to Wayfair Order # XXXX I earned {$180.00} and decided to use my points to purchase four items. 

The total of my order was {$190.00} - which left {$9.00}. The sytem showed me that was how much would be charged to my card! But when I checked my email, it didn't use my points at all and instead charged me the full amount! 

It felt like a scam and I contacted Wayfair and no one responded to me. I wanted to keep my items, but after no response I asked for refund tags. The problem with Wayfair is they don't give 100 % refunds! 

They charge a tax refund and return of shipping cost. 

So even if I returned the items they charged me for, they would still keep {$41.00}! 

I will accept either a 100 % refund and I can return the item or I can keep the items and Wayfair can use all of my points and charge me the {$9.00}, as I orignally indicated in the checkout page. 

I sent them an email requesting a full refund to my credit card statement and asked them to use my points as I indicated on my confirmation page.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit reports to find that there were multiple unfamiliar inquiries bringing down my credit profile. I contacted Transunion on various occasions regarding these inquires and on one phone call it was suggested that I place a fraud alert on my credit and submit paperwork verifying the inquiries did not belong to me. I contacted each company where the inquiries were originated and was told that the inquiry did not result in an open account therefore they had no record of me in their system, so of course there was nothing they could provide me with to give to Transunion. Again I called Transunion to let them know what I was told, still nothing was done. This is a clear violation of FCRA and something needs to be done immediately.
Product: Debt collection

I have repeated Calls and letters to collect debits. It has been happing from XX/XX/2017 to present. Amounts range from $ XXXX {$3000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy that does not belong to me showing up on my credit report and background check. I have sent the request to XXXX, XXXX and transunion to remove.