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 U.S.C 1681. 

The following accounts have violated my rights. 

Account : XXXX XXXX XXXX XXXX Account number : XXXX  Date XXXX Account balance : {$230.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX XXXX Account Number : XXXX  Date XXXX Account balance : {$870.00} Address : XXXX XXXX XXXX XXXX, Washington XXXX XXXX number XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an 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 items of information, other than the 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 an accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 approximately 6 months ago an account was opened called AmsherCollectionServices. Called on by XXXX the original creditor. I feel like I am being taken advantage of by XXXX, XXXX, and XXXX. These three companies are violating my rights given to me by the FCRA ( Fair Credit Reporting App ). I DID NOT give them permission to access my NON PUBLIC PERSONAL INFORMATION nor did I CONSENT for them to furnish anything on my consumers report. According to 15 USC 1681 ( b ) ( 2 ) my permission is needed for ANY PERSON to access or furnish anything on my consumer report! Yet once again that permission was not granted by me. Not only are inquires being reported without due cause, but my rights to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 USC 1681 ( a ) ( 4 ). I demand that each and every item I disputing to be removed. There is no way any person can validate fraudulent activity! Due to my identity being used without my consent this is basically theft as defined by 18 USC 1028 ( a )! I am being harassed at work Please remove all request as soon as possible. Thank you!
Product: Credit reporting or other personal consumer reports

I was denied Insurance XXXX XXXX XXXX. They stated LexisNexis gave them a Report on me, and based on the Report from LexisNexis we deny you the XXXX. They further stated, " we paid LexisNexis {$190.00} for the Credit Report on you ''.
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 violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly a collection in the amount of {$2100.00} on the XXXX XXXX   XXXX XXXX XXXX partial account number XXXX. ( Please see page 17 attached from my credit report. ) I met with the apartment complex manager and I was granted permission to be released from the lease. I had to move from the apartment due to health issues. The apartment manager asked that I leave the apartment in immaculate condition,  which I did, so that they could advertise and rent the unit as soon as possible. They were able to rent the unit immediately. I did not sign an agreement to pay them anything. There was no contact whatsoever from the apartment complex until ( 6 ) years later! I believe this collection to be fraudulent and this incorrect reporting of a collection is harming my credit score. These line items need to be removed. I have contacted the ( 2 ) bureaus to remove these however, I have not been  successful.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Magna, UT XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security XXXX XXXX XXXX XXXX resident of XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX Magna, UT XXXX XXXX Security Freeze Request : a. I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
b. This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX Attached Documentation : I have attached the following documents to verify my identity and process my request : a. A copy of my drivers license or government-issued ID.

b. A copy of a recent utility bill or bank statement confirming my current address.

c. A copy of my Social Security Number.

4- Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5- Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit card

CHARGED EXCESSIVE LATE FEE OF {$25.00} AFTER XX/XX/year> REGULATION Z RULING
Product: Checking or savings account

Last Sunday I checked my account and saw that I had been overdrafted by {$230.00} this was the amount chase removed from my account due to government overdraft assistance. I dont make a lot of money but I am also a credit card manager at a big bank so I know enough. I was given no forewarning as I calculate my bills and pay according to what I have on my account I had gotten paid on Friday, set up my bills to be paid on Friday and on Sunday I had this surprise withdrawal hit my account. I called chase they said they cant do anything about it. I dont get paid till next Friday they refused to freeze additional overdraft fees. Ive been a 15 year customer with Chase and the e going to treat me this way when I told them I strigggled with the pandemic caring for my elderly parents? This is CRIMINAL. How can we trust our big banking institutions when they rob us and treat us this way. If I knew I was going to be charged over 25 % of my paycheck I would not have paid my bills as aggressively as I did. Please help me get justice and restore faith that a government body can in fact protect its citizen against predatory practices. Thank you so much for your assistance. XXXX bless!
Product: Checking or savings account

attempted to dispute this fraudulent account before and was told due to no supporting documents my claim was invalid I now have supporting documents from the FTC identity theft report I have filed out
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 my daughter endorsed her paycheck to me at a Bank of America Branch ATM located On XXXX XXXX XXXX XXXX, FL via a check deposit. Immediately, about XXXX was made available and the due to the XXXX XXXX the remaining amount was made available that following Tuesday. On XX/XX/2019 the same process was completed, only this time both of my daughters who work at the same Daycare  endorsed their checks over to me and again only XXXX was made available from one of the checks. The only difference this time around is that we completed the transaction at a Bank of America ATM located in a low income area that just so happens to be near to my home which is approximately a mile away in a Middle Class area. The following day, after reviewing my account I saw that the checks were not honored and the XXXX that was made available prior to was reversed. I immediately contacted the bank to ask what had happened and the Customer Service agent informed me that the checks were not honored because my daughters were not listed on my account. I asked her to explain a check endorsement to a third party and she was unable to do so. I also work for a bank  and already knew the answer to the question. After a few moments of going back and forth with my daughters who were very upset, and with the agent I decided to ask for a Supervisor. I was transferred to XXXX a supervisor, who was very assertive and knowledgeable and was able to provide a better explanation. The issue at hand is, I believe the checks were not honored due to the Bank of America 's ATM location and was rejected based on redlining within this particular lower income community. If I had attempted this particular transaction at the XXXX XXXX ATM location then the checks would have been honored without any further conditions applied like it was before. The excuse I received from XXXX, was the first check was allowed by mistake and was a slip through the cracks and never should have been allowed. This is unacceptable, the reason I believe it was allowed is solely based on the location of the Branch ATM location and not by any mistakes or slips through any cracks. This after all is the same situation, just in different areas within the city of XXXX, Florida. Therefore, I am led to believe that ATM check deposits are unequivocally unequal, unfair and discriminate in lower income areas based on this experience. It is the bank 's responsibility to be non-discriminate, unbiased, equal and fair to all they encounter within the business. This wasn't the case and the only explanation I was warranted was that it was a mistake that should have never happened. There are consequences for these types of mistakes and I am holding the bank responsible. I strongly urge someone to look into these matters, since I don't believe I am the only person who have had this experience within this lower income community. Redlining is an unethical illegal issue that should never ever be allowed, especially without consequences.
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX XXXX stating that owed a bill from XXXX XXXX for {$1200.00} from an account billed to the same name that I have with an address of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA. I wrote to them on XX/XX/XXXX, informing them this was not my account. They had mailed the bill to my vacation home in XXXX, CA. I gave them my home address in XXXX XXXX. Recently I received another letter from them at my vacation home in XXXX, and for the first time gave me the address of the debtor in XXXX, GA. I have never resided outside of the State of California, and the only time I was in XXXX was to switch planes in XX/XX/XXXX, and have never been outside the airport. Either someone is purporting to be me, or this is an attempt to collect an uncollectible debt, as it was charged off in XX/XX/XXXX, and the statute of limitations in California is 4 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX Acct : XXXX, XXXX XXXX XXXX XXXXXXXX Acct : XXXX, XXXX XXXX Acct : XXXX, XXXX XXXX XXXX accounts Acct : XXXX, XXXX  XXXX  XXXX Acct : XXXX, XXXX XXXX XXXX Acct : XXXX and XXXX XXXX XXXX XXXXXXXX Acct : XXXX, XXXX XXXX XXXX Acct : XXXX and 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

I am submitting this CFPB Complaint in response to the current evaluation presented by the Credit Rerporting Agencies. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. 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 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 DPT ED/XXXX XXXX Balance XXXX : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

Credit Control Corporations have reported 3 of the same debts to my credit report . The company is XXXX XXXX XXXX XXXX . On my credit report it shows 3 of the same amount bills which is the same exact bill multiple times . On XX/XX/2019 they reported twice for $XXXX  . And also again on XX/XX/2019 . They also did it again for another debt of $XXXX. Also both of these were on XX/XX/2019 . I think they have reported he same debt multiple times and it is lowering my credit score .
Product: Debt collection

Dated on XX/XX/2020. {$94.00}. Due to COVID-19, the community has been authorized waived fees for materials. During this time credit scores are impacted due to management processes and several notifications and calls have been made to communicate with library staff.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit that highlights significant issues with the platforms practices.

As a frequent user of Zelle, I have encountered discrepancies in my transactions that I reported to both my financial institution and Zelle. However, I was informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. This response not only fails to address the issue but also reflects a lack of adequate measures to protect consumers.

The CFPBs findings further reinforce my concerns, indicating that Zelle has not only neglected to safeguard its users but has also allowed repeat offenders to exploit the system. This leaves consumers like myself vulnerable to scams with little to no recourse.

I urge Zelle to take immediate action to address these systemic issues and improve its dispute resolution process to ensure that users are adequately protected. Consumers should not have to bear the financial and emotional burden of Zelles shortcomings.

I look forward to your response and to seeing meaningful changes implemented.

Sincerely
Product: Debt collection

XXXX XXXX XXXX which is a third party whom is not accredited has told XXXX that I owe XXXX. I have requested proof via phone and writing. When I call they dont even have my correct social security number and say they dont have an account for me but they are continually reporting on my credit. I have been disputing for a long time and this is hurting my ability to move. Please have the Credit Bureau and XXXX XXXX XXXX XXXX XXXX remove this false information. The company is not even registered legally to be reporting on my behalf. I never did business with them and never signed anything please remove this immediately. Its not fair that they can just say anything and it holds weight with no proof. Its only reporting on XXXX none of my other reports shouldnt the reports match
Product: Debt collection

Due to an issue with the complex 's garage door ( XXXX at XXXX XXXX XXXX, we contacted the leasing office several times to request repairs, but no action was taken. Later, the property manager offered us the option to move out of the complex with a waiver of any lease-breaking penalties. My wife and I accepted the offer and moved out on XX/XX/XXXX. 

One month later, XXXX ( the owner ) sent us move-out charges, including an amount for a period we did not spend in the apartment ( from XX/XX/XXXX to XX/XX/XXXX ). We tried to contact the XXXX office to discuss this issue, but no one answered our calls or returned our voicemails. 

Last week, a debt collection agent ( Genesis ) reached out to me regarding this debt. I informed him that I was disputing the charges for the period we did not occupy the apartment. Despite providing him with my correspondence with the leasing office, he dismissed my concerns and threatened to take actions that could negatively impact my credit history. 

Attached are : XXXX XXXX XXXX XXXX Copy of emails with the leasing office XXXX Copy the email to the Collector
Product: Credit reporting

The company Transunion has failed to properly investigate inaccurate information on my credit report regarding the XXXX accounts reporting by XXXX XXXX and XXXX XXXX XXXX. My file number is XXXX. These accounts should be included in bankruptcy with a XXXX balance or deleted if not reported accurately since my filing of bankruptcy. I have attached supporting documents showing these accounts included in bankruptcy as the original creditor and the collection of the same account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the Credit Bureaus Transunion and XXXX  regarding a closed XXXX  XXXX XXXX XXXX and Student loan account that contained derogatory informaiont that was affecting my credit score substantially and requested them remove the account because of the inaccurate information. They did not remove the information and had more than 30 days to comply. Then i sent them a follow up letter of a demand to comply with no result. These accounts need to be removed under FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXXXXXX XXXX XXXX  XXXX
Product: Credit card or prepaid card

Noted on XX/XX/XXXX, a dispute was filed with citibank with merchant XXXX XXXX XXXX XXXX on an order made on XX/XX/XXXX for {$600.00} ( order number XXXX ). The customer didn't receive most items that were ordered and when reaching out to the merchant, the merchant claims the order was " split ''. After multiple weeks pass and the customer constantly reaching out to the merchant for a resolution, the order was " esculated '' for which there was no response or a solution. Customer reached out to citi bank for assistance of the dispute on XX/XX/XXXX. Citi finalized the problem stating the customer must provide a " credit slip ''. Customer unable to obtain a credit slip as the merchant XXXX XXXX XXXX XXXX will not respond to any phone calls or email inquiry of the order. Citi claims there is nothing they can do, as a " credit slip '' is not produced. How can i produce a credit slip when the merchant will not respond to inquiry but the email chains show they acknowledge that they didn't send all the items.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX / XXXX XXXX XXXX XXXX XXXX, WI-XXXX I saw this appear on my credit report. I mailed request for validation by mail ( with tracking number, it was delivered ). They never responded. After the time had past, I contacted equifax, XXXX and XXXX, with a certified letter ( with tracking number, it was delivered ) explaining I had requested validation of the debt, as I had no idea what is was, and that the company had no responded. Apparently then the agencies contacted the company and the company told them the debt is valid but it is not. They are in violation of the law. 

I want this removed off my credit report on all three agencies immediately and also a letter from montgomery ward saying I have no debt with them. If they ca n't show me a signature page, or and itemized statement, they have to remove this.
Product: Student loan

I need to get a copy of my Master Promissory Note for my loans, and my lender, Nelnet, does not appear to have a copy of this. I have tried to get them to respond but I have been unsuccessful. There is an option to get this information on the website, but when I go to this section, nothing is there.
Product: Mortgage

I had a Wells Fargo Mortgage during the time that they were accused of financial unfair practices. I would like to see if I am included in that lawsuit and if any monetary damages are due to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX Credit Card and was making ontime payments. Due to XXXX my job down sized and I wasl laid off. I was unabl ; e to keep up with my payments so eventually it went to Charge-off status One bureau said I was 120 days late and one said I was 150 days late. They also reported incorrect information as far as the date open, last oaid, and also past balance due. I thought that under FCRA guidelines all information must be accurate and isn't it a violation to report past due balance on a charge off. This has cause me stress and the inability to purchase a home. Please assist with clearing this matter.
Product: Checking or savings account

On XX/XX/2021 PayPal has permanently limited our Business account for our company just right after the opening without giving any reason. There is no refunds, no disputes, nor any illegal action, I found this very unfair so our business could not go further. 
I have contacted them so their robotic answer was " We appreciate your interest in PayPal. Unfortunately, our decision to close your account is final. '' Reference ID : XXXX
Product: Mortgage

Applying for a home loan. Once credit report was pulled, my personal contact information was sold to mortgage brokers. I am getting XXXX calls a day from different mortgage brokers. I did not consent to having my information given away when doing a credit report.