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

Dear Sirs, Upon obtaining a copy of my credit report, I noticed there are inaccuracies being reported. I reached out several times to get these inaccuracies removed. I would appreciate the following items being investigated as soon as possible. According to the United States of America Fair Credit Reporting Act. My rights are being violated. 
15 U.S.C 1681 section 602 A. States I have the rights to privacy. 
15 U.S.C 1681 section 604 A. States a Consumer reporting Agency can not furnish a account without my written instructions. 
15 U.S.C 1681 section 604 A. I have never had any credit transactions involving these consumers. 
XXXX XXXXXXXX XXXX : Acct XXXX. {$2000.00}. XXXX XXXX 
XXXX XXXX XXXX : Acct XXXX {$920.00}. XXXX XXXX 
XXXX XXXX XXXX : Acct XXXX. {$3300.00}. XXXX XXXX 
XXXX XXXX BANK : Acct XXXX. {$2400.00}. XXXX XXXX 
XXXX XXXX XXXX XXXX : Acct XXXX {$13000.00}. XXXX XXXX 
XXXX XXXX : Acct XXXX {$460.00} XXXX XXXX 
XXXX XXXX CT XXXX : Reference # XXXX Year XXXX
Product: Debt collection

XXXX. XXXX XXXX XXXX I had insurance at that time. The hospital did not file it. I did n't know about it for 2 years, then got a letter from the collection agency for {$1200.00}. The collection agency threatened to sue me if I did n't pay. I am sending them $ 10.00- {$20.00} a month. I am on Social Security XXXX, a very low fixed income.
Product: Prepaid card

My complaint is against Cash App for their mishandling and incorrect denial of a disputed transaction. On XX/XX/2024, I made a purchase of a bracelet from XXXX for {$39.00}, based on their false advertisement of the bracelet containing stones such as XXXX and being made of leather. 

Upon receiving the bracelet on XX/XX/2024, it quickly became evident that the product did not meet the advertised specifications, as it began to fall apart on XX/XX/2024. Despite XXXXXXXX XXXX return policy allowing returns within XXXX  days of receipt, my attempts to request a refund were met with unresponsive communication and a malfunctioning return portal link provided by XXXX. 

After exhausting all avenues with the merchant, I turned to Cash App for assistance in disputing the transaction. I provided Cash App with comprehensive details, including photographs of the faulty product and proof of delivery. However, Cash App hastily denied my claim without conducting a thorough investigation, erroneously stating that the merchant had fulfilled their obligations. 

This denial not only overlooks my rights as a consumer to protection against faulty products and false advertising but also highlights Cash App 's failure to properly review claims and provide valid justifications for denial.

Please investigate this matter thoroughly and hold Cash App accountable for their negligent handling of disputed transactions. Consumers deserve transparency, fair treatment, and protection against deceptive practices.
Product: Credit reporting

I spoke with XXXX in the consumer affairs division this past Thursday XX/XX/2016 about the XXXX point difference between XXXX ( XXXX score ) and Equifax ( XXXX score ). She gave me meaningless blather instead of any solid info. I 've been in finance for 30 years dealing with credit reports. it is highly unusual that a score varies almost XXXX points. Most Fico scores vary between XXXX difference max. I also told XXXX the information on both reports was IDENITICAL making the score that much more ridiculous. 

After speaking with her on XX/XX/2016, I checked my scores yesterday only to see my Equifax score drop another XXXX points since XX/XX/2016. There has been absolutely no change to my profile so I am once again baffled by how Equifax can be so far off. ( Picture Attached ) I have filed more than one report on this but the CFPB seems to be just another useless GOVT agency with all bark and no bite. Maybe the CFPB can tell me whats its purpose is because if you 're just their to forward complaints back and forth ... then your useless. 
Why does n't the CFPB DEMAND an explanation?
Product: Debt collection

Old apartment complex falsified charges and sent bill to collections without notifying me. XXXX XXXX  were suppose to contact me at least 45 days of my move out. I have sent several emails, phone calls, and went to visit and still have not received any answers. I have reached out to the collection agency and they were very giving me the run arounds. I finally spoke with someone today and she was very rude and hung up on me. I would like to settle this. This is not mine. The information is incorrect. How do I get justice against these crooked rental agencies?
Product: Debt collection

On XX/XX/XXXX Wells Fargo Bank took {$15000.00} from my wife and my business checking account - my wife and I were using that money to survive - to pay food bills, XXXX XXXX XXXX XXXX bills, and basic needs. We have a small business and like millions of Americans suffered financially in the Great Recession. I was hospitalized several times due to XXXX  and severe business financial loss. 
the woman from wells fargo who called me was very mean spirited, abusive, threateing XXXX XXXX or XXXX   is her name. 
prior to seizing the {$15000.00} from our account., Wells Fargo XXXX stole '' money from XXXX XXXX XXXX personal life savings which the terrible vultures have since returned. 
I felt like XXXX XXXX XXXX XXXX  XXXX against the evil unremitting police detective It was evil to take money from people in mid seventies I would have worked out a repayment deal with these unforgiving merciless XXXX XXXX - white collar criminals I would be willing to work out a repayment if they return the {$15.00} we were advised to file BK, and did not for we want to repay people who trusted us to loan us money ( Wells Fargo included ) They did return the money they took from my wife 's account ( taken before XX/XX/XXXX and the amount was about {$17000.00} - the rats returned it. Possibly because they took the money from my wife 's personal wells fargo savings account and probably did so illegally - Wells Fargo has put {$250.00} XXXX dollars in a fund to pay back people they defrauded in the credit card scam they ran. 
Wells Fargo further deceived us by telling us we had to open a loan ( line of credit ) in order to get our house financed buy Wells Fargo. 
I am so hurt and angry at what Wells Fargo did to my XXXX year old wife and myself I pray justice is done XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns with Zelle handling of disputes specifically in light of recent CFPB highlighting significant issues with the platform. despite using Zelle numerous of times and discrepancies. my financial institution and Zelle failed to investigate my claims XXXXdequately.they said it wasnt anything they could do about lost funds the CFPB findings indicate that Zelle has not only neglected to Protect its consumers but has also allowed repeat offenders to exploit the system leaving us vulnerable to scams. This behavior is disturbing and unacceptable and raises concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is in violation of 15 USC 1681 ( 2 ) ( a ) ( i ) and continues to intentionally cause negligence after company has been informed of such violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Misuse My Personal Info
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has ignored my requests to validate their account. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XXXX, and XX/XX/XXXX XXXX XXXX XXXX received a notices from me and they have not responded to any request. 

XXXX XXXX XXXX has failed to respond to several requests of validation. This account has updated each time to the 3 major credit bureaus. 

XXXX XXXX is also reporting multiple addresses to each credit bureau making communication even more difficult. This account has also charged-off two times ; with no current updates. 

XXXX XXXX is NOT a HOLDER IN DUE COURSE and this is why they have not responded. 

Neither XXXX nor Transunion provided validation of ant sort. I will update reports also if need be to further prove that these companies are ignoring my letters This account was also sold to a third party debt collector.
Product: Checking or savings account

Chime did not issue my refund within 14 days after closing account. I had to get payday loans and max out credit cards as another financial source. I suffered tremendously financially.
Product: Mortgage

I believe Mr. Cooper ( Nationstar ) is harassing me via ordering excessive and unnecessary " inspections '' in addition to falsely reporting my home to be " abandoned '' to my homeowners insurance provider. They then tack on fees for each " inspection '' so that I have a backlog of unpaid fees I was unaware of. Now they've started adding it to my monthly mortgage payment. They've had my home " inspected '' approximately 20 times in approximately 2 years. Sometimes twice in the same month. This goes against every standard practice I can find online as I'm never behind more than 90 days and it's never more than 30 days between full payment is sent. I believe they falsely reported my home to be " abandoned '' because standard practice is that if the " inspector '' believes the home is abandoned the next step is to do an internal inspection. I have cameras outside my home and I've never seen anyone pull their vehicle into my driveway nor have I seen anyone walk onto my property ( aside from XXXX, XXXX, and USPS making delivery ). It stands to reason that the inspector did not truly believe my home to be abandoned because he/she never did an internal inspection, which is the next step after a drive-by inspection for a presumably abandoned home. Either the inspector doesn't exist and I'm being charged false fees or the inspector exists and is a fraudulent inspector who is getting kickbacks for falsifying reports.
Product: Credit card or prepaid card

In XX/XX/2023, I had several fraudulent charges made on my account. Wells Fargo reversed these and sent me a new card. I have had possession of my card since XXXX. 

On XXXX, a cash advance was made from my credit card for {$3500.00}, and a fee of {$170.00} was charged. 
on XXXX, another cash advance for {$700.00} was made from my credit card, and a fee of {$35.00} was charged. 

On XXXX, I called in and noted the fraudulent charges. Wells Fargo had me change my online password and closed the account that the cash was advanced into ( and transferred out of without my consent or knowledge ) I was told something would be done and investigation would be completed. After several weeks, I called back in and was told these were " authorized '' transactions. This is a lie, as I did not make or authorize these cash advances. Wells Fargo refuses to put this in writing. 

on XXXX, I was charged another XXXX in " cash advance fees '' and another {$200.00} in interest fees. 

I can not get rid of these cash advance fees until my entire card balance has been paid off. I have never used a cash advance, and never intend to, as the fees are absolutely outrageous
Product: Debt collection

For approximately a week now I have been receiving phone calls from a company named Concord Resolutions on my residence and work phones. After Googling the number XXXX I saw that his company is trying to scam people alleging that they owe a payday loan ( which I do not ). These people leave and automated voice message with a call back number. When I called back the woman asked me to verify the last XXXX of my social security number which I declined to do. At that point she became irate and cited the Fair Debt Collection Practice Act prevented her to give me any information as to why she was calling. I told her that the only information that I would confirm is my name and nothing else. At which point she became irate and hung up on me. These calls are becoming annoying. I feel that I am being harassed.
Product: Credit reporting or other personal consumer reports

My right as a consumer is being violated according to " 15 usc 1681a2 ''. In Accordance with the Fair Credit Reporting act, Account Number : XXXX has violated my rights. I have mailed out letters to Transunion as well as called XXXX XXXX to properly investigate an account that does not belong to me. The Tracking Number for the letters mailed out are:XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. The credit bureau stated that Account Name : XXXX XXXX XXXX XXXX, Account Number : XXXX was properly investigated, however how is that possible when that account is not on any of my other credit report. According to the FCRA 15 U.S.C 1681everything has to be 100 % Accurate. The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 c-2 also states that " Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ''. I haven't given these accounts written permission to furnish these accounts on my credit report. I have the credit report showing the inaccuracies. I am a victim of fraud and I've also attached a copy of my Identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Equifax Escalation Department : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if  requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS U S DEPARTMENT OF ED XXXX over 7 years old 621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission. 
( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Identification already on file. Please send a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX personal loans is reporting that I am more than 30 days late on 3 payments which isn't true I have bank statements and XXXX statements showing I've paid them. I contacted the credit agencies as well as XXXX  and they reassured me the problem would be resolved but it's not and it's ruining my credit.
Product: Mortgage

In XXXX I noticed and escrow disbursement that occurred on XXXX/XXXX/2015 in the amount of {$580.00}. After a quick phone call to US Bank, I was advised by a " Sr. Rep '' that a XXXX XXXX XXXX XXXX XXXX requested the funds. I advised the US Bank Representative that I was not familiar with a XXXX XXXX and that I needed this situation researched. On XXXX XXXX, I received a letter from the " research department '' of Us Bank basically advising me that the funds were sent back due to my escrow account being overfunded and the time of transfer. My loan transferred to US Bank in XXXX of 2015. I made my XXXX payment to XXXX XXXX. This was my XXXX mortgage payment ever. 
After being advised that my escrow account was over funded I did the research myself. Per my HUD Statement ( which I have attached ), my initial escrow deposit was {$1200.00}. I made one payment of {$470.00} to XXXX XXXX. If you subtract XXXX MIP payment of {$110.00}, that leaves me with a balance of {$1600.00} which was transferred to US Bank in XXXX, 2015. After these findings, I contacted US Bank again on XXXX. This time I spoke with a senior rep by the name of XXXX. After being put on hold for about 5 minutes at the beginning of the call, I was finally able to go over my payments. XXXX not XXXX acknowledge that there may have been an issue, in fact she stated that whoever she need to contact was not in the office. I advised her that I was not satisfied with her response, and that I was going to escalate this. XXXX 's reply was, " do what you have to do ''. Needless to say that I am a XXXX time homebuyer who also happens to be a supervisor for a mortgage servicing company, and this by far is not how this situation should have been handled. I would like to know why US Bank did not confirm that my escrow account was overfunded before they sent the funds. I know how escrow shortages work, and with my taxes going up for the year, these missing funds will have a major impact on my escrow, thus raising my payment in the coming year. I would also like to know why XXXX XXXX requested the funds without confirming that my escrow was over funded.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly late for XX/XX/XXXX on the XXXX   XXXX account number XXXX. ( Please see page 2 attached from my credit report. ) The vehicle is paid off and the XX/XX/XXXX late that is being reported is false. I was even told I would be charged a late fee. Please keep in mind it would be impossible to be late and/or be charged a late fee on an account that is paid off. I called and the representative that I spoke with admitted that this was their mistake and that the late fee would be waived and the late reporting on my credit report for XX/XX/XXXX would be removed. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to remove this late of XX/XX/XXXX however, I have been unsuccessful.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX [ XXXX ] NATIONAL CREDIT SYSTEMS INC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, Georgia, XXXX Re : Debt Validation Request [ Account Number or Reference Number ] Dear [ Debt Collector 's Name ], I am writing to formally request validation of the debt referenced above, as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. The amount of the alleged debt.

2. The name of the original creditor.

3. A copy of the original contract or agreement that binds me to this debt, if applicable.

4. A detailed breakdown of any charges, interest, or fees applied to the debt.

5. Proof that you are legally authorized to collect this debt in my state.

Please be advised that I do not acknowledge the validity of this debt until I receive the required validation. Under the FDCPA, all collection activity must cease until the debt has been validated. If you are unable to provide the requested documentation, I request that this debt be removed from your records and reported to any credit reporting agencies.

Kindly respond in writing within 30 days of receiving this letter. If you do not respond or fail to provide sufficient validation, I will consider this matter resolved and will take appropriate steps to protect my rights.

Sincerely, [ Your Name ] -- - Be sure to send the letter via certified mail with a return receipt to ensure proof of delivery. Let me know if you'd like any adjustments or additional information!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX OH XXXX ; XXXX  XXXX Balance : {$4900.00} ; XXXX XXXX  XXXX Balance : {$8200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$10000.00} ; XXXX XXXX  ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$4500.00} ; XXXX XXXX  XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two large issues. 
First, my brother and I have the same initials and our social security number are off by one digit. Equifax combined us into one person. 

Second, in like XXXX or XXXX my identity was stolen, and my mailing address was forwarded fraudulently, and equifax still lists that as one of my addresses.
Product: Money transfer, virtual currency, or money service

I went to send bitcoin  into the wallet that their platform generated. Through a bug in their system, an incorrect address was generated and my funds were sent to an account that, while they still have access to, they refused to fix.
Product: Credit card or prepaid card

I received a {$75.00} promotional card issued by XXXX through MyPrepaid Center. The card is marked " Award '' in small font with a " Valid Thru '' date in smaller font. The expiration date is less than six months from the issue date. I am trying to access my funds the but the card is expired so the their system won't even recognize my card. 

I tried calling the company, but their phone system does not have any option that leads to a real person. 

The short expiration of the card, combined with them preventing me from speaking with a real person, plus the formatting of the card is unfair and deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other 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. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX