23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXXNELNET XXXX XXXX XXXX XXXXNELNET XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

XXXX XXXX XXXX XXXX is inaccurately reporting a credit card over 7 years old on my credit report. The credit card was settled and paid off and I was previously advised that once I settled and paid if off that it would be removed from my credit reports. XXXX XXXX still have not removed the credit card reporting from my credit reports as they promised to do once paid the settlement amount. The credit card was first delinquent in early XXXX, and it has been over 7 years since delinquent and by law should be deleted and removed from my credit reports as well.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate the Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the systems, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

This company is wrongfully charging college students for monies they do not owe. This company is holding back deposit monies and charging for something that is not owed. they allowed some stranger to stay in there apartment, for free and charged the other students the same amount as if the the XXXX person was not there. Students complained over and over again with no results. Then continue to charge the students and kept their deposit. they are seriously taking advantage of these college students. I signed the lease agreement with my daughter, they have now turned me into collections. We have tried to reach out to these people but they were rude and unresponsive. And I feel that they are in the wrong. should not be allowed to continue to able to take advantage of college students and their families. they never reached out to me to let me know. And than turned me into collections. She moved out in XXXX of 2019. And was told after the her payment arrangement was completed that her deposit would cover the remaining amount of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

THEY HAVE INFORMATION ON MY CREDIT REPORT THAT NEEDS REMOVED.
Product: Money transfer, virtual currency, or money service

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX 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, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, US DEPT ED Company Inquiries : XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an item on my credit report XXXX XXXX XXXX # XXXX that is incorrect and does not belong to me please provide written proof that I authorized this account to be on my credit report in fact I never provided any personal information to this company and do not know who the company is. 

I have sent certified mailed letters to this company and they have not sent me any proof of " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} XX/XX/XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX  XXXX {$0.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I tried signing up with some credit bureaus so I cant check my credit report but for some unknown reason the companies are not allowing me creat an account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit  report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due  diligence has been performed for a reasonable conclusion has been determined.
Product: Credit reporting, credit repair services, or other personal consumer reports

Innacurrate and fraudulent inquiry on credit report from XXXX/XXXX. Transunion refused to move even the information is innacurrate and the company sent letter to them to remove.
Product: Bank account or service

After I file the complaint Case number : XXXX, BOA customer resolution who named XXXX gave me a call and leave a voicemail. I has returned her phone call and leave XXXX voicemails ; however, I still received no response from BOA. In addition, BOA still not response the request from the state of Illinois. However, BOA has charged me the overdraft fees because checks paid prior the freeze my fund.
Product: Credit reporting, credit repair services, or other personal consumer reports

hard inquiries fraud i did not authorize them i call the company they said they can't help me both companys XXXX and equifax i want all this hard fraud inquiries deleted or i will take XXXX and equifax to court and post it all over social media and call the new channel i really mean it am hurt and i need it remove asap XXXX equifax XXXX XXXX  XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX  XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX owes XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXXl XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Debt collection

Dear CFPB, On XX/XX/2019 I served XXXX XXXX, CEO of Zieve,  Brodnax , & Steele, LLP a Demand for Cancellation and Rescission of Notice of Default and Notice of Trustee Sale demand letter on TS # XXXX recorded on my property XXXX XXXX XXXX XXXX XXXX CA XXXX at the XXXX XXXX County Recorders Office . As of today, CEO, XXXX XXXX and his Zieve , Brodnax , & Steele LLP company has not responded to my demand letter ( copy attached ). 

Moreover, Attached you will find my Proof of Claim, Conditional Acceptance for Value served to XXXX XXXX XXXX XXXX, A Debt Collector, on XX/XX/2019 certified sent certified mail # XXXX. In addition, Under my private rights of action and administrative process I want to report that XXXX XXXX XXXX XXXX has repeatedly ignored and has failed to respond to my Qualified Written Request ( QWR ) and Dispute of Debt and Validation of Debt Demand Letter dated XXXX XXXX sent Certified Mail # XXXX. I never contracted with XXXX at any capacity and have never had any business relationship verbal or written. 

The XXXX Account # XXXX corresponding to my property at XXXX XXXX XXXX XXXX CA XXXX was created without my authorization and through identity theft of my personal and private information. My Second Notice of Fault in Dishonor and Opportunity to Cure demand letter was served to XXXX on XX/XX/2019 Certified Mail # XXXX My Third Notice of Default in Dishonor Discharge of Obligation to Pay Instrument was served to XXXX on XX/XX/2019 sent Certified Mail # XXXX. Finally, my Notarized Affidavit of Non Response was also served to XXXX sent Certified Mail # XXXX. 

As of today, XXXX has not responded to my Proof of Claim and Conditional Acceptance, Qualified Written Request and Validation of Debt, Fault in Dishonor and Opportunity, Notice of Default in Dishonor Discharge of Obligation to Pay demand letters. Attached please find the above mentioned demand letters and notices for your confirmation and records. 

XXXX XXXX, CEO and ZIEVE, BRODNAX, & STEELE LLC are hereby LAWFULLY NOTICED : you may be in violation of California Civil Code section 2920 - 2945.5 and you may find you are without authority. False Claims Act, and others ; and you may have committed and/or are a party to, numerous felonious acts committed against the State. 

Therefore, XXXX XXXX, CEO and ZIEVE, BRODNAX, & STEELE LLC, are hereby demanded to file in the XXXX XXXX County Recorder 's Office a CANCELLATION OF NOTICE OF TRUSTEE 'S SALE ( Rescission ) for the fraudulent Trustee 's Sale # XXXX on the referenced Deed of Trust within 10 calendar days. XXXX XXXX, CEO and ZIEVE, BRODNAX, & STEELE LLC are also demanded to deliver to me a fully executed copy of the same document at the referenced property address. 

Respectfully, XXXX XXXX
Product: Checking or savings account

The XXXX account was finally re-established with the correct balance but after 28 days of multiple emails, telephone calls and visits to the branch. 
The balance funds were not available for since XX/XX/XXXX until XX/XX/XXXX and the bank has not produced any explanation after multiples request. 
The bank failed : Availability of deposited funds, account freezes, transaction holds The account disappeared without explanation impeding receiving and making payments. 
The bank made errors crediting the account Debit card was cancelled without justification Problems accessing account online and mobile.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed several errors related to late payments that do not align with my usual payment history. Please correct these inaccuracies and update my account. Thank you
Product: Credit card

I filed a fraud claim with Barclays US. 
My claim was denied claiming that the company produced evidence of the charges validity. The evidence was not explained to me. The representative, XXXX, told me that it should have been filed as a dispute rather than fraud, and that she was unwilling to allow me to file a dispute for the illegitimate charge. 

She told me that I had no choice but to pay the fraudulent charge and that if I did not, I would continue to accrue interest and late payment fees. I was left with no other recourse but to file a dispute against Barclays US. I have never had a credit card company be so rude and unhelpful, and I have had cards with multiple other companies. Stay away from Barclays US!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request a correction of an error, whereby my account was penalized with late payment for the months of XXXX & XXXX. Because of current global health crisis & being furloughed from work, I elected to use the forbearance program, which enables people to defer their payments for up to 180 days. In my case this period wouldn't be ending until the end of XX/XX/2020. In addition the property that the mortgage was held for XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX was SOLD in XXXX as my attorney ordered a pay-off and closed in XXXX ; therefore, the property was longer under our ownership. 

Please make the necessary corrections by deleting all late payments against my credit report IMMEDIATELY! You made a wrongful error against myself, since NO payments were late or required to be made as stipulated by the forebearence Program. I value my name like my credit. So I urge you to rectify this unnecessary error ASAP!!! 

XXXX XXXX is known for doing bad practices of this nature. If this matter is not rectify ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX Account Number XXXX, and the XXXXXXXX XXXX  Account XXXX have 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 states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

On XXXX i sent XXXX a notice for closed account ending XXXX to opt of out any and ALL authorization i may have previously given allowing them to share any of my information with any 3rd party companies. They are still reporting to the credit reporting agencies. Therefore, not honoring my request! Per 15 USC 6801- 15 USC 6805, 16 CFR 313.7, privacy act of 1974 i have rights as a consumer that i chose to exercise.
Product: Payday loan, title loan, or personal loan

the company first changed their website to a completely new one to make the payments and now i am unable to pay off the loan as they have charged my account to off.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX per XXXX Bank letter they requested credit bureaus to remove fraudulent inquiries from my credit report, I waited 45 days and those fraudulent credit inquiries still reported on my credit reports. 
XXXX Credit Card application number XXXX, XXXX, XXXX, XXXX and XXXXXX/XX/XXXX Credit Card application number XXXX XXXX Credit Card application number XXXX XX/XX/XXXX XXXX Credit Card application number XXXX XXXX XXXX XXXX Credit Card application number XXXX, XXXX, XXXX and XXXX XXXX Credit Card application number XXXX XXXX XXXX Credit Card application number XXXX XXXX Credit Card application number XXXX XXXX XXXX XXXX Credit Card application number XXXX XXXX XXXX XXXX Credit Card application number XXXX XXXX Credit Card application numbers XXXX and XXXX XX/XX/XXXX XX/XX/XXXX I am demanding those fraudulent credit inquiries to get removed from my credit bureaus right away since I already waited more than 45 days, and I need confirmation that those fraudulent credit inquiries have been removed from my credit bureau.
Product: Credit reporting or other personal consumer reports

I have written several letters and given affidavits to the credit bureaus along with each to this company listed with police reports, and letters and reported them to other related organizations, Matters are still not resolved it has been two years with evidence of these alleged debts and violations! 15 USC 1692g Validation of Debt. I will report this company along with the credit bureaus to the attorney general office.
Product: Money transfer, virtual currency, or money service

I created a paypal fundraiser a while ago! then paypal did freeze my account and ever since refuses to give me access to my account! they removed the whole account access! I reset my password but still they want to sent OTP to my old phone that I dont have any nore! when I call customer service they say its a security mesure they can not overwrite it! and the system does not let them add my new phone number! they just say to wait a few days and try again and that THERE IS NOTHING THEY CAN DO! I mean seriouly they steal thousands of dollars from me giving nonsense excuses! althouth they send me an email that my funds are eligible for withdraw! they keep finding silly excuses blaming their own security system!
Product: Credit reporting or other personal consumer reports

I ordered copies of my credit report and discovered accounts that do not belong to me. I am a victim of identity theft. I requested that the companies remove the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I also requested the companies remove the following addresses from my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

I also requested the companies remove the following incorrect names : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I also requested the companies remove the following outdated employment information : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It is the Credit Reporting agencies duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are not. Equifax, XXXX and XXXX are reporting 10 inaccurate late payments for the XXXX with the account number of XXXX. This includes late payment ( s ) 30 days from XXXX XXXX, 30 days from XXXX XXXX, 30 Days XXXX XXXX 60 Days XXXX XXXX 60 Days XXXX XXXX, 90 Day XX/XX/XXXX. It also includes 30 Days XXXX, XXXX, XXXX and XX/XX/XXXX. These are incorrect and supposed to be reported as Paid as Agreed. Furthermore, pursuant to 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person ( s ) making the report. A transaction constitutes these late payments resulting in ( Credit Bureau ) violating my Federally protected rights. To add to this, I did not give ( Credit Bureau ) written instruction/permission to furnish these inaccurate late payment ( s ) on my consumer report of file, thus violating 15 U.S.C. 1681 b ( a ) ( 2 ). It is clear that ( Credit Bureau ) has violated my Federally protected rights under the FCRA and the inaccurate reporting is causing me undue hardship and my reputation severe harm and discrimination.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly. 

XXXX XXXX - XXXX - {$0.00}
Product: Debt collection

This was a 2018 medical service for my deceased wife. She was billed in 2018 and after the payment was made in full the provider sent an additional request for payment. When the collection appeared on my credit report in 2018, I immediately disputed the account informing all three that the medical service wasn't mine. Of the three reporting agencies XXXX immediately removed the collection, Experian and XXXX refuse to remove the account from my credit report. Recently I contacted Experian and informed them that my wife had passed in XXXX of this year and the collection, which wasn't mine anyway, should be removed. They declined and it remains on my credit report. I haven't contacted XXXX over this issue but would expect the same result.