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

To delete hard inquires, old address, misspelled names, and provided proof of original contract that has been signed and agreed to because I don't have a contract or agreement with the companies, I have people getting mail in my name and contacting me about my personal information AND I DON '' T stay at the addresses they have listed they have sent a letter with my social security number and other personal information TO THE WRONG ADDRESS Remove accounts under these names - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never lived at these addresses you guys are merging incorrect information on me I have never worked at these places of employment
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. Here are the items for your verification. Account : XXXX XXXX number XXXX ( CLOSED ACCOUNT ) payments late year XXXX.
Product: Money transfer, virtual currency, or money service

I'm writing to formally express my concerns about Zelle 's handling of disputes, especially in light of the recent CFPB lawsuit that exposed serious issues with the platform. Despite using Zelle multiple times and reporting discrepancies, both my bank and Zelle failed to properly investigate my claims. They told me that recovering the lost funds was impossible and that tracking the transactions was not feasible. The CFPB 's findings reveal that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, putting users at risk of scams. This lack of accountability and transparency is deeply troubling and raises significant concerns about consumer safety.
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 XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Balance : {$12000.00}. 


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: Credit reporting, credit repair services, or other personal consumer reports

I was a previous XXXX XXXX and a victim of a security breach of personal data at the OPM office. After being notified of this I pulled my credit reports and found an in accuracy on the Experian report. I filed a dispute for the in accurate items but they were not removed, nor would they reinvestigate them even after I offered to send the letter from the OPM office proving the security breach. There were no in accuracies on the XXXX or the XXXX reports making it all the more evident my personal information had been compromised. <P/>I have tried several times to provide them this information in addition to redisputing the entries. They simply refuse to reinvestigate. These entries are damaging my credit and will cause me to pay higher rates for any loans that I may obtain.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX my XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent 5 certified dispute letters to Experian for the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian contacted me via email on XX/XX/XXXX explaining I could dispute on my own without a Credit Repair company and tried to get me to start a New Dispute all over. I am aware of the lawsuit that CFPB have won against Experian for not responding to disputes on time and I want to be added to the lawsuit for compensation. Experian is also liable for damages in State and Federal court for violating the FCRA.
Product: Mortgage

Have been struggling to pay my mortgage for the last two months due to COVID-19. My wife is laid off and we are having trouble making ends meet. I called Quicken loans in XXXX and XXXX to discuss a deferment. I was told both times that the only thing available is a forbearance which doesn't help anything if the payments are due at the end of it. I and millions of other hard working Americans need relief during these trying times. Not a forbearance that just kicks the rock down the road.
Product: Credit reporting or other personal consumer reports

This company has violated my rights based on the FCRA laws. The congressional findings of the fair credit reporting act states that the consumer, me in this situation, has a right to privacy. My privacy has been eroded and severe burden has been placed on me and my family. I believe this to be willful noncompliance at this point.
Product: Credit reporting or other personal consumer reports

I am reaching out once more to express my confusion regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. 

As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent accounts. Following this submission, XXXX and XXXX have promptly removed these accounts from their records. 

Here are the details of the following accounts in question : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. 

Additionally, I have directly contacted the company associated with these accounts, and they have confirmed its removal. Therefore, I am perplexed as to why this accounts are still being reported by your bureau. 

It is crucial to acknowledge that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm.
Product: Bank account or service

I made and a purchase on the XXXX XXXX, later on XXXX XXXX I canceled my order and was told nothing will be shipped and that they would only give a very small partial refund which I refused stating I would just bring it up with my bank. After that, I contacted Wells Fargo and filed a complaint and was flatly refused a chargeback despite the fact that I paid and received nothing in return. So I spend {$1200.00} and get nothing in return and thats ok?
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a home owner Of twenty years And I can not get a payment History from the three Credit bueral XXXX  XXXX XXXX Did a investigation The information reporting To the three bueral is correct When I look at my three Credit reporting every month They don't show my payment history on my home of twenty years Can this problem be Fixed
Product: Credit reporting or other personal consumer reports

I have severals hard inquiries that I dont recognize or did it
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized credit inquiry that appears on my credit report dated [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ]. The inquiry was made by [ XXXX, XXXX XXXX XXXXXXXX XXXX AMEX ] without my consent or knowledge, which is a violation of the Fair Credit Reporting Act ( FCRA ) Section 604. According to my records, I did not initiate any transaction or authorize [ Company/Entity Name ] to obtain my credit information. I request that the CFPB investigates this matter and ensures the immediate removal of the inquiry from my credit report. I have attached relevant documents that support my claim.
Product: Debt collection

Receive a collection letter dated XX/XX/2022. 

Letter states as of XX/XX/2022 debt owed was {$1000.00} They also say that is paid after XX/XX/2022 they would want an additional {$350.00} as their collection fee. 

Debt was paid in full to the original creditor on XX/XX/2022. 

I have receipt and shared it with collection agency and talked to them several times. I told them if they put anything on my credit report I would seek action. They damaged my credit by putting this on my credit report. I am currently trying to purchase a house.
Product: Checking or savings account

I had to sell my home due to being laid off in order to live off of the equity until I am back on my feet again. The sale went through and I received a check for over {$130000.00} which I deposited at Regions Bank in XXXX, GA on XX/XX/20. The bank immediately froze my account and it remains frozen. According to the banker in the XXXX branch, there are two reasons for this freeze : 1, the account balance at the time of the deposit was $ XXXX, and 2, the size of the deposit. She states she can do nothing until her manager gets back later in the week. Meanwhile, I've missed my first month 's rent in my new apartment. The Regions website and my banker have both told me Regions can not withhold funds for more than 7 business days. We are beyond 7 business days at this point.
Product: Debt or credit management

XXXX XXXX XXXX - I was in the middle of canceling my XXXX  because they never XXXX XXXX XXXX XXXX and the next thing that happen was they closed their company due to bankruptcy. I was financing my teeth through health care finance direct and they are telling me I still need to make payment regardless if they fit or not until they hear otherwise. I sent them an email stating I want to put in a claim for consumer credit act section 75 as it is a breach of contract. my total amount was {$2700.00} and I put a deposit of {$490.00}
Product: Student loan

Hi my name is XXXX XXXXI am a resident of Wa. For College I took out a loan from formerly known as XXXX XXXXnow currently named Navient. I have been dealing with the changes in the company and with my jobs and sense the beginning have had extensive problems with their methods. The Last straw has been terrorizing calls. They have not only called my Grandparents house, but they have somehow gotten and called the phone number to my neighbor! I do n't even have their number yet Navient ( XXXX ) has even called a work colleague of my father! That isnt right. They tried to force information and coercive both people who are not even on the contract or even associated into compiling with their shark attack. At this point they have gone into attack of my rights, and attack on my family and community. That is unbelievable and unacceptable and that is why I am here so that I can make sure this terrorizing of me and other Americans in debit can end.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed I had fraudulent accounts on my report, Please remove these accounts from my report, they are hurting my ability to obtain credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX,
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 high yield interest savings account. Capital One misrepresented the 360 savings account as having one of the nations highest interest rates, yet failed to notify account holders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumers trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Account Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Checking or savings account

I have ( had? ) a personal checking account with Citibank. I had a little over {$1300.00} in that account when on Monday XX/XX/XXXX I deposited a check from my mother for {$5000.00} Normally, Citibank takes a few days to clear the entire check and the bill I needed to pay I could pay next week, so I didn't think much and went on with my life On Friday XX/XX/XXXX, my debit card declined when I tried to buy a XXXX XXXX Railroad ticket to visit my mother. I didn't think this could be correct as I had over {$6000.00} in the account and the ticket was only {$9.00} I went upstairs to a citibank branch next to XXXX XXXX. My account and all my money were gone. I called the number on the back of my bank card, XXXX XXXX XXXX. The first four people who picked up HUNG UP ON ME After more than an hour on the phone, refusing to connect me with a supervisor, I finally got a person who informed me I had committed " bank fraud '' and had submitted a " fake check '' The check was from my mother, and from a XXXX account. XXXX confirmed with us that on XX/XX/XXXX the funds were withdrawn from my mother 's account and citibank was paid The check is NOT a fraud. Furthermore, when I asked about the {$1300.00} I had in the account before I even deposited the check in question, I was told that was also " gone '' Not only have they made a fake claim against me, they have illegally seized my funds. How can they get away with this?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 at XXXX Saturday, with XXXX XXXX XXXX XXXX XXXX XXXX XXXX I opened an saving account with them. The teller ran a credit report on me which was improperly implies that it was a INSTALLMENT LOAN INQUIRY. This reduced my Experian credit alert reports by 19 percent. When I was alerted to this a week later I contacted XXXX main office manager and she reviewed by account. She said that she didn't see a request for a loan. I contacted the credit unit branch on XXXX XXXX where I opened the account and they told me it was standard procedure. This action is not noted in the forms that was provided to open up a basic savings account. Please help me clarify this matter with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Your assistance would greatly appreciated be greatly appreciated.
Product: Credit card

BARCLAYS BANK DELAWARE, XXXX XXXX XXXX XXXX DE. XXXX  REPORTED TO CREDIT BUREAU AND THIS IS NOT MY DEBT.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Third Dispute Regarding Inaccurate Late Payments Dear CFPB, I am filing a formal complaint against your agency for failing to correct inaccurate information regarding late payments reported on my credit report for one of my accounts. Despite multiple requests for correction, including letters dated XXXX and XXXX, my requests have been ignored, violating the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Disputed Information : Late payment notations remain inaccurately reported despite my payment history showing all payments were made on time. Specifically : XXXX reports : 30-day late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
90-day late payment in XX/XX/XXXX, matching TransUnion 's reporting. 
These discrepancies have not been addressed in previous investigations. 
Violations Identified : FCRA Violations : 15 U.S. Code 1681i : Requires credit reporting agencies to ensure the accuracy of information in consumer files. This has not been upheld in my case. 
15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests a failure to comply with this requirement. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 
PAANL Violations : Under the Protection Against Non-Payment of Obligations Act ( PAANL ), creditors are obligated to provide timely statements to prevent unfair penalties to consumers. This responsibility has not been met, as evidenced by the inaccurate reporting. 
Desired Resolution : Immediate removal of all inaccurate late payment notations from my credit report. 
Written confirmation of the correction made to my credit file. 
If this issue is not resolved promptly, I will escalate my complaint, including filing additional complaints with relevant regulatory agencies and pursuing potential legal action. 
Attachments : To assist with your investigation, I have included : Copy of my Social Security Number. 
Copy of government-issued ID. 
Proof of address. 
Highlighted credit report indicating the inaccuracies. 
I kindly request that you provide a detailed description of the investigation process and the evidence used to validate the late payments within 15 days, as required by the FCRA. 
Thank you for your prompt attention to this matter. I look forward to receiving a resolution and confirmation of corrections within the timeframe mandated by law. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Conn 's home pluse in XXXX, Tn talked me into buying a washer and dryer. The day the supposed to drop it off they didn't it was days later. I called them and told them that I no longer wanted the washer and dryer. Not only did they dropped it off they dropped it off with extra attachments I didn't want costing me XXXX extra. When I told them to come pick it up the sales associate stated that they can not take back used items after 30 days. I didn't even use it and it was less then 30 days. Now they call and text me 10x a day. Keep reporting to different credit Bureaus all 3 dropped them from my credit score now they charge it off making my FICO score extremely low. The reported I owe over XXXX dollars for a washer and dryer. I need help dealing with Conns Home Plus they need to be closed down for the fraudulent practices scamming people. They are trying anyway they can to ruining my credit when all they had to do is pick the merchandise back up a d resale it. But the customer service agent told me when I called to come to agreement that I can sale the washer and dryer and pay them the money so it want effect my credit. I need help getting this removed from my credit score and them shut down for bad sales practices.
Product: Checking or savings account

I have an account with Citibank with roughly XXXX dollars in it. This is all of my money, I do not bank with anyone else. On XX/XX/XXXX I noticed that my credit card payments made XX/XX/XXXX were getting bounced back. I called Citibank and they told me that my account had been frozen since XX/XX/XXXX. They did not send me any notification in this case and when I called they informed me that they were closing the account and would send me my money in 30-60 days. This is the middle of a pandemic and if I do not get my money sooner I may die.
Product: Mortgage

Capital Benefit try to foreclosure on me and charge me late and other charge and I do not know what kind of charge is that? Please request them to spell out what is other due?? why the late charges is so high, Capital Benefit try to rip off consumer and try to foreclosure their customer illegal. Please stop them to help the consumer. I need to know what is Other due for {$3400.00}. You charges customer so much money and you can not say that you don't know what is that for. I need to hear from you asap. What is include in {$11000.00} on your NOD?? I need the detail for this charges. 
Thank you so much!
Product: Debt collection

I am disputing and requesting the permanent deletion of a collection account reported by LVNV FUNDING LLC from my credit report. The account in question is inaccurate and has been causing significant harm to my creditworthiness. 

I am disputing this account based on the following violations of consumer protection laws : 1. **12 CFR 1006.34 ( b ) ( 5 ) ** : This regulation requires debt collectors to provide specific details about the debt, including the name of the creditor and the amount owed. LVNV FUNDING LLC has failed to furnish the necessary information in accordance with this requirement. 

2. **12 CFR 1006.34 ( c ) ( 4 ) ( i ) ** : This rule mandates that debt collectors disclose information about the consumer 's rights, including their right to dispute the debt. LVNV FUNDING LLC has not adequately informed me of these rights, thus violating this regulation.

3. **12 CFR 1006.34 ( d ) ** : This provision outlines the need for debt collectors to substantiate the debt with proper documentation upon request. Despite my repeated requests, LVNV FUNDING LLC has not provided the required substantiation, which is a direct violation of this regulation.

4. **15 USC 1681s-2 ( a ) ** : According to the Fair Credit Reporting Act, information furnishers must ensure the accuracy of the data they report to credit bureaus. LVNV FUNDING LLC has reported inaccurate information to the credit bureaus without conducting a reasonable investigation into its validity, breaching their duties under this statute.
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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX  Balance : {$160.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00}
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
AXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am finally a complaint against Cash app ( Block, Inc. ) due to an adequate customer service and unfair practices, which violate the customer financial protection act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, the dispute resolution process was unfair and deceptive as they did not comply with error resolutions require requirements under the electric fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I exceeded appropriate redress for these violations.
Product: Debt collection

XXXX XXXX XXXX, XXXX illegally without lisence of debt collector on Puerto Rico. Fraudulently this agency are trying to collect a debt.