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

The class action multi state settlement includes my loan repossession I have called XXXX XXXX  attorney generals office for both the state I reside and sate I resided at the time. The settlement administrator I get ran through circles and told I just have to wait no timeline given. Currently trying to obtain a mortgage and this is XXXX on my credit. I have been trying to get a resolution for weeks and its so frustrating and disheartening. You try to clean up your credit for going on 3 years now but they dont want you to win you will be charged less money if you get back to where you once was.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a compliant against XXXX, XXXX, and EQUIFAX about the account by XXXX on my consumer report on XX/XX/2023 and I received a computer generated response on XX/XX/2023 that did not resolve my issue of XXXX using my credit report for reasons that do not abide by federal law. I have the right to privacy and 100 % accuracy. On XX/XX/2023 XXXX, XXXX, and Equifax reported inaccurate information regarding XXXX on my credit report, I have received several responses through CFPB from all THREE credit bureaus that they have confirmed and verified the information with the account mentioned is correct when that is impossible, I will be submitting proof that the credit bureaus did not update the inaccurate information and in-fact reported MORE inaccurate information which I have highlighted in the document I will attach with the complaint. On XX/XX/2023 I highlighted all inaccurate information regarding the account and when I received my new report on XX/XX/2023 it was still inaccurate information reported on my credit report by the three credit bureaus. I will no longer accept the computer generated responses that doesnt rectify my issue I am demanding the credit bureaus mentioned in this complaint to remove the account mentioned in this complaint from my credit report IMMEDIATELY due to failing to update inaccurate information. 
I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 
Accounts : XXXX account XXXX XXXX
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XXXX XXXX XX/XX/XXXX To Whom It May Concern, I am writing to dispute the inaccurate balance reported to the credit system by The XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX, XXXX, Texas, XXXX. Below are the details of our lease and the dispute : Lease Period : XX/XX/XXXX, to XX/XX/XXXX. 
Monthly Rent Payment : {$1600.00} paid at the beginning of each month. 
Final Payment : {$900.00} on XX/XX/XXXX for XX/XX/XXXX to XXXX XXXX Notice of Termination : Given in accordance with their XXXX notice policy. 
XXXX XXXX : Completed to the manager on XX/XX/XXXX. 

Despite adhering to all terms of our lease agreement and fulfilling all financial obligations, The XXXX Apartments has falsely reported an outstanding balance of {$890.00} to the credit system. This balance incorrectly includes utility charges and rent up to XX/XX/XXXX, beyond our lease termination date. 

This false report has caused significant mental distress. I have attached the following supporting documents to substantiate my claim : Lease documents. 
Bank statements showing the final payment. 
Correspondence regarding the debt sent to the credit management. 

I request that this incorrect balance be promptly investigated and removed from my credit report. Thank you for your understanding and cooperation in resolving this matter. 

Sincerely, XXXX XXXX Attachments : 1. Lease documents.

2. Bank statements. 
3. Correspondence regarding the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  has been reporting us as delinquent on a mortgage lien that was initially with  XXXX   XXXX .  FEMA  had  XXXX  mortgage on the property (  XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX  ) and in     XXXX   XXXX     the property was sold. I do not hold title to this property. It 's assessed to  XXXX  &  XXXX   XXXX . The  XXXX  lien / XXXX   was wiped out at  FEMA  foreclosure.  XXXX  sold the loan to  XXXX   XXXX  as a mortgage. We do not owe them anything. A simple title search by  XXXX  would reveal this. I have made  over seven diff erent phone calls to  XXXX   XXXX  over the  last two mo nths and they refuse to discuss it with me and th e manager has  refused to return my call.  XXXX  has no lien. They NEED to do their own title search & that alone will show them that the loan they purchased was wiped o ut by FEMA  foreclosure    X/XX/2014    due to it being i n a Jr. lien position. I do not own the property nor is this loan a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a letter from Chase Card Services that application for a credit card was denied. However, I never applied for a credit card. If someone else applied using my name, why did I receive a denial in my name and at my home address? I phoned Chase and the representative advised Chase could not tell me who applied or the point of the application. I find this unsatisfactory because I need to determine if somehow someone has stolen my information to apply for credit in my name. Or, whether Chase is attempting to issue a credit account to me without my having initiated the application or given consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

i discovered numerous of account that reporting on my credit reports that do not belong to me, which means these account I did not open.
Product: Money transfer, virtual currency, or money service

I am writing to voice my concerns about Zelle 's dispute resolution process, particularly in light of the recent CFPB lawsuit that underscores significant shortcomings with the platform. Despite being a frequent Zelle user and reporting discrepancies on several occasions, neither my financial institution nor Zelle conducted a thorough investigation into my claims. I was informed that recovering the lost funds was not possible and that tracking these transactions could not be done. The CFPBs findings reveal that Zelle has failed to safeguard consumers and has allowed repeat offenders to abuse the system, exposing users to scams. This lack of accountability and transparency is deeply troubling and raises serious questions about the platform 's commitment to consumer protection.
Product: Debt collection

XXXX is trying to collect on a debt that was previously being collected on by XXXX. I submitted a police report and FTC Affidavit to XXXX before they submitted this out to this other collection company
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXXXXXX # XXXX Account name : XXXX XXXXXXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX  XXXX XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXXXXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I was contacted by XXXX and XXXX claimed to sue me for a debt. The debt was owned by Spring Oaks Capital which through various searches the two companies are the same and XXXX uses Spring Oak as a front for debt collections. I set up a payment plan and XXXX canceled the plan and continued to ignore my messages and calls 40+ unanswered ( I have all documentation ). I contacted Spring Oak and they kept saying contact XXXX whom I did countless times and they ignored my calls. I emailed them multiple times and have filed several complaints with the state and they lie when they reply.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX My cash app was removing money from my account without my permission. I reached out to the Cash support. There was nothing resolved, XX/XX/XXXX My cash app account pulled monied from my person checking account. This was without my permission. The monies taken were never replaced. No help from Cash support. The AI was not helpful. 
XX/XX/XXXX Cash app hacked. no support given XX/XX/XXXX XXXX $ was removed from my cash card. 
XX/XX/XXXX XXXX was removed from my Cash app XXXX. 
XX/XX/XXXX XXXX $ was added to my Cash app by an unknow person. 
XX/XX/XXXX Cash App took XXXX out of my account to pay for a purchase not made by me. no help was received, XX/XX/XXXX Cash App paid XXXX out of my account to a hotel, not reserved by me, This was done twice. No funds recouped. No support. 
XX/XX/XXXX Cash app took XXXX $ from my account to pay for a purchase I did not make XX/XX/XXXX Cash app took money from my account. no result XX/XX/XXXX The cash app mobile wallet removed monies from my personal checking account to make a purchase. This purchase cause an overdraft to the account. 
XX/XX/XXXX Cash app let some XXXX remove XXXX from my account to pay for an item. The merchant was not helpful, Cash app support XXXX  was not helpful, they requested i order new card. 
XX/XX/XXXX Cash app allowed my card to be hacked, all monies removed from account. No support provided. CARD IS IN THE NEGATIVE, I CONSTANLY RECEIVE EMAILS OF THE NEGATIVE BALANCE. 
XX/XX/XXXX New ACCOUNT MADE XX/XX/XXXX Cash card was used to pay for rideshare, and tips.Cash app support requested I change my card. 
XX/XX/XXXX My cash card was hacked by a XXXX XXXX, the food app was more helpful than Cash app. The merchant refunded me with gift card. No support from cash support. 
XX/XX/XXXX I was double charged for puchase. No refund given, No support help.
Product: Credit reporting or other personal consumer reports

I reached out to Experian on XX/XX/XXXX regarding numerous unauthorized inquiries reporting on my credit report. I have not received adequate disclosures for the inquiries reporting on my credit profile and I have received no response. I thoroughly listed all inquiries that are reporting inaccurately and asked to seek immediate attention to resolve this issue as I believe they are in violation of my FCRA rights and breech of privacy. Today, XXXXXX/XX/XXXX marks 1 month without Experian responding and I demand attention to this serious matter.
Product: Credit reporting or other personal consumer reports

I have incorrect late payments appearing on my credit report.
Product: Checking or savings account

i have had issues with particularly Wells Fargo Bank because they closed my bank without me knowing the reason they did that was because there was too many claims on the account and it was closed permanently and i had to get a new account with a different bank. They financially hurt me really bad by having to look for a bank and handle finding a bank was very difficult finally i found a bank and now all my money is in that bank right now i just have one bank. Wells fargo handled my account unprofessionally and i just was upset how money was being missing and overfdraft fees were added on multiple times so i got that situated finally but that made my account neggative so im hoping to get compensated for all this turmoil wells fargo has caused me. Now that the case is closed in the federal court we can handle this professionally. Im hopoing to get atleast {$10000.00} or about that or around that in compensation for the frustration that Wells Fargo caused me and my business with them. I am XXXX  and this was not handled properly. Just wanted to let you know there is a fair shake claim still active some one needs to respond to that case number is XXXX just wanted to let you know whoever can respond to that would be greatly appreciated thanks or you can respond here it be better if you did both and respond here and the fairshake claim XXXX XXXX in escalations was handling the case earlier but stated it was in the federal court now its not its been closed since XX/XX/23 i just want some one to compensate me for all this trouble that wells fargo has caused so either way you gon na have to respond to to the fairshake claim with the cfpb thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are reporting incorrect information
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting act. This creditor has violated my rights. Under 15 U.S.C.1681 602 states that I have the rights to privacy 15 U.S.C . 1681 604A section 2 It also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15U.S.C.1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

transunion does not give any information about collections in the free credit report, it is unclear if there are any or they are withdrawing information to be provided after a fee ( and maybe available publicly without an individual 's knowledge )
Product: Debt collection

THIS COMPANY CONTACTED MY WORK AND MY CELL PHONE WHEN I INFORMED THEM TO CEASE AND DESIST. THIS A MEDICAL BILL THAT WAS OUTSOURCED TO A 3RD PARTY THAT IS UNCOLLECTIBLE DUE TO BEING INCLUDED IN A BK XXXX.
Product: Credit reporting or other personal consumer reports

IVE BECAME AWARE OF THIS IS A FEW DAY AGO WHILE GETTING MY CERDIT RUN FOR A HOUSE THEY TOLD ME I HAVE A COLLECTION FOR A XXXX ACCOUNT I HAVE NO KNOWLEDGE OF NOR DID I AUTHORIZE NO ONE TO USE MY INFORMATION IVE BECAME A VICTIM 0F FRAUD OF A FEW THING THAT IVE XXXX MAKE EFFORT OF RECTIFY THE ISSUE ALL MY PERSONAL IMFORMATION WAS TAKEN OUT MY CAR AND I HAVE HAD TO GET EVERTHING REISSUE TO ME THIS IS NOT MY ACCOUNT IN IWOULD LIKE TO BE HEAR ON THIS MATTER-
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX  Account # 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: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I noticed that several accounts have been opened using my identity. I did NOT authorize these accounts and I have contacted each individual company with no response as to where these accounts come from and why they are showing up on my credit report/profile. Below I have listed several accounts that are recognized as fraud : 1 ) XXXX XXXX XXXX XXXX {$410.00} DATE : XX/XX/XXXX 2 ) XXXX XXXX {$470.00} XXXX 3 ) XXXX XXXX XXXX  {$710.00} DATE : XX/XX/XXXX 4 ) XXXX XXXX {$1000.00} XXXX 5 ) XXXX XXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX  ) {$38000.00} XXXX
Product: Debt collection

Never received verification of Validation of debt. Requesting for deletion from credit profile
Product: Credit reporting or other personal consumer reports

i sent multiple XXXX letters and XXXX letters requesting the false information be removed, or proven true, and that all information used to support the false inquires be sent to me by way of USPS mail as well as email, i received nothing from either of the XXXX companies XXXX, XXXX or Experian except letters stating that all information was true, nothing showing who or what information they used to show any of the inquires was true or accurate. just letters stating they wouldnt change anything because they believed it to be accurate. they still havent removed the false inquires from my report yet. they keep re-reporting them as new and accurate each month, year after year.
Product: Money transfer, virtual currency, or money service

It started months ago but these are the most recent dates it was on XX/XX/XXXX and now XX/XX/XXXX. I use PayPal to send money to friends overseas. I normally use my bank account information because its a cheaper fee ( 1st fee on XX/XX/XXXX {$0.00} & XX/XX/XXXX fee {$2.00} ) to send using the Friends & Family feature that PayPal has but a few months ago and now on these two most recent dates I can not! With each transaction I get an error message " We are sorry, but we could not complete this payment, because it has been denied by the card issuer. Please retry with a different card or funding option to continue with the payment ''. The first issue with this is that I am not using a card ; I am using a routing number and bank account number. I have three accounts with PayPal and each one get 's this same error message even when using a different bank account information. I have called my banks to make sure the issue is not with them and they assured me it is not and that it's a PayPal issue. When I go back and use a debit card from the same accounts or a credit card with a higher fee ( XX/XX/XXXX {$4.00} & XX/XX/XXXX {$6.00} ) the transaction goes through with no problem, but I'm paying more money!! I have reached out to PayPal twice with no resolution and during one phone call I spoke to three different people they're phone reps have no idea what the problem is because they all have told me different things and its never the same story. I have not received an emails or letters from PayPal saying there is an issue with any of my accounts and restrictions has been placed!! I finally get a call from XX/XX/XXXX ( PayPal customer Solutions Support Specialist ) and she states that it is a PayPal issue and there are others having the same issue. She supposedly sent some type of request to their security department. It hasn't been resolved. She is supposed to contact me again on Monday XX/XX/XXXX. I feel like this is way for PayPal to get higher fees from consumers sending money overseas to friends and family. PayPal refuses to refund me any money due to this being their issue not mines. I feel like I'm forced to pay the higher fees using a debit card from the same bank. As I stated this problem started over the summer this year. Before then I had no problems using my bank account to send money via friends and family with PayPal. I do not have this issue with my bank account sending money here in the USA.
Product: Credit reporting or other personal consumer reports

As of XX/XX/23 XXXX XXXX  has failed to respond to my request and has falsely reported the account as past due and overdue delinquent for 30 days. Fax sent to XXXX for removal of fraudulent late reporting. This account was on forbearance thru XXXX XXXX and payments were satisfied XXXX XXXX. This company is in violation of 15 U.S. Code 1681- Congressional findings and statement of purpose intends to use the information in connection ( a ) with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; Violation of my rights of extended credit due to the misrepresentation and false accusations of a fraudulent late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax twice over the phone about inquires made on my account each time I was told they would not investigate and I would need to handle myself. I mailed a certified letter on  X/XX/2017    requesting verification of the inquires sent. This letter was received on  X/XX/2017    but Equifax responded on  X/XX/2017    with an explanation of what an inquiry was not a verification. No true investigation was completed as I requested. I have disputed these inquries online on  X/XX/17   ,  X/XX/2017   , and  X/XX/2017    and each time they are saying the results are factual with no other information or verification. This is a clear violation of my FCRA rights. I have a right to be provided proof that these are in fact factual inquires and Equifax has failed to do so.
Product: Checking or savings account

Citi bank are a bunch of crooks! They stole approximately XXXX $ rollers and will not return it. They said there was fraud on my account. There was bo fraud. They said they would return my money in 60 days but these poss have not returned a XXXX of my hard earned money. I got a direct deposit from my job so how the XXXX can you XXXX not see I am the rightful owner of that money. I hope your bank goes out of business you low down XXXX.