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

XXXX , {$2300.00}, ask  XXXX   XXXX   XXXX  to removed this off my credit report because account is pa st 7 years old .  XXXX   XXXX   XXXX  said to me call Credit Bureaus.
Product: Debt collection

Company is reporting this account on all three of my credit reports as bad debt, this is not my account. I have reached out to the company and asked for verification of the debt. The account was opened XX/XX/XXXX and I contacted them on XX/XX/XXXX about the issue and it did not get resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I rolled my debt into freedom debt relief. I was impressed by the agent XXXX XXXX, I explained in a hardship situation, may have issues down the road with payments. He unequivocally stated it wouldnt be an issue. 
Im in a worse crisis with my sickly mom and freedom has not paid a dime to my creditors, I even was sued by XXXX XXXX XXXX and lost. 
Their attorney told me freedom was my power of attorney. 
I cant give them more money I dont know what to do. 
Im in a heinous XXXX XXXX XXXX XXXX situation also financial abuse and have been musing payments I call but I cant continue. I am single not that well and scared to death. 
They didnt even know I was sued info I found out in XXXX after a few things didnt add up. 
I was current then Im totally blown away now I see thieve had problems in the past. Please call XXXX I have to find another company.
Product: Mortgage

: CFPBTo I made a previous complaint case # XXXX against Wells Fargo for extra-legal business practices. We currently have litigation in the Federal Courts. Case # XXXX. 

At this time Wells Fargo has not been able to provide any documentation to back up claims to the effect that I asked for any changes to the original loan dated XX/XX/XXXX loan number ending with XXXX. They claim that the changes made were made for a refinance dated XXXX the new loan # XXXX. 

They then transfererred service of said loan to XXXX XXXX XXXX as of XX/XX/XXXX. After they had opened an estate case against XXXX XXXX estate in XXXX XXXX. Again Im not a party to said loan nor did I agree to any such changes to the original loan which, has been paid in full at this time.

Im currently seeking for this governmental agency to step in and make both companies named not only change their illegal business practices, but also ; provide me with at the very least compensation for my legal fees.

This entire situation has been one of constant frustration for the last several years. I have done everything asked of me in a timely manner and still havent had any solution to the situation.

Please advise me as to what can be done to provide me with some way of this entire situation being finished. I feel that both companies have preyed upon the fact that they can and do have endless means to hire as many attorneys as they choose in an attempt to simply slow down the legal process and in hopes that me being the little guy will either give up or simply fail. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my EXTREME dissatisfaction with the handling of my dispute regarding a hard inquiry ( XXXX  ) on my credit report, initiated on XX/XX/2024 with the CFPB. As of today, XX/XX/2024, more than XXXX  days have elapsed without any resolution, response, or documented proof ( as asked ) provided by Experian regarding the legitimacy of the aforementioned inquiry. 

It is deeply concerning that despite my timely initiation of the dispute, Experian has failed to adhere to the regulations outlined in the Fair Credit Reporting Act ( FCRA ), which mandates a prompt investigation and resolution of consumer disputes. The delay in addressing this matter not only violates my rights as a consumer but also undermines the integrity and reliability of Experian 's credit reporting services. 

Furthermore, I find it alarming that Experian has neither removed the disputed hard inquiry ( XXXX  ) nor provided any EVIDENCE demonstrating that I authorized or initiated said inquiry. This lack of transparency is unacceptable and contributes to a sense of violation of my rights under the FCRA. 

I demand immediate action to rectify this situation. I expect Experian to expedite the removal of the disputed hard inquiry from my credit report without further delay ( or provide DOCUMENTED PROOF that I initiated or authorized hard inquiry from XXXX XXXX  ) do NOT verify hard inquiry as valid until such proof has been provide from XXXX. Additionally, I request a thorough explanation for the prolonged delay in addressing my dispute and a commitment to improving the efficiency and effectiveness of Experian 's dispute resolution process. 

Failure to promptly resolve this matter and provide a satisfactory response will compel me to escalate this issue to relevant regulatory authorities and pursue legal recourse to protect my rights as a consumer. 

I trust that Experian will prioritize this matter and take the necessary steps to address my concerns in a timely and satisfactory manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a debt that is showing on XXXX  and XXXX  and it has been mailed to my forwarding address. I have never done business with XXXX  XXXX XXXX, I contacted them they stated I needed to file a police report and make a complaint. I wanted to make my complaint to you because I only recieved mailed at that address for 1 month I had recently become a guest to America. I have proof and will be filing the police report with the 3 bureaus. 
XXXX XXXX XXXX XXXX. New jersey needs to be removed was a address issued to send paperwork never ordered Bill 's there XXXX  XXXX XXXX never done business with them either Caine & wiener I cancelled my policy with the insurance and they still charge me when I left the company I didn't even use their services a month XXXX XXXX not my numbers inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 

I have disputed this account on multiple occasions, as recently as XXXX XXXX The information on the account is not mine. I have requested a copy of the contract with the wet signature and proof of my identification that should have been provided. I have not received this information or any response. The XXXX XXXX XXXXXXXX account XXXX does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the 1972 Fair Credit Reporting Act XXXX  Account 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. Also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

I signed up for a checking account to earn a {$300.00} promotional cash bonus. I have completed all terms and the time period within which I Was supposed to receive the bonus has elapsed. I have called and sent messages to the institution and have not gotten anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a letter to this company about multiple unverifiable and inaccurate items on my credit report over 45 days ago. i have not received anything back yet. I am a human and I expect to be treated fairly like one. i think this is disregarding the law and something needs to be done quick. everyone has been affected by the virus, but this is not an excuse to treat consumers this way.
Product: Credit card or prepaid card

My name is XXXX XXXX and i have learned that American Express has taken illegal action against my credit card account. this constitutes an adverse action under the equal credit opportunity act. American Express has fraudulently closed my account without my expressed consent. By law these actions are unlawful due to the fact that they didn't have authority by law to take such action once a credit card ( social security account number ) is used to open the account in which one was used to open the account under the truth in lending act. This account is strictly for purposes of personal family and household use. American Express is preventing me from being able to provide for my family and is causing me substantial harm. These actions have cause me to seek credit counseling to prevent me from declaring bankruptcy. however, if credit counseling is not achieved. I will be forced to declare bankruptcy then American Express will not get any type of payment from me.

I am advising American Express to investigate a billing error for the full amount due to the fact, by law a credit card was used to open the account and there were absolutely not public credits used to credit the account which it should have already been credited from the start. because my credits were not applied properly due to unknown purposes i have determined that American Express is using my account in an unauthorized manner and is not allowing me to benefit from using my social security account that was designed to benefit the consumer. this is harming me and causing injury to my person.
Product: Money transfer, virtual currency, or money service

I have a PayPal accounts. First I created a personal account this was the email address of the account XXXX the number of that account is XXXX XXXX XXXX And I created also a business account and the email is XXXX the number is XXXX That account was all permanently limited due to potential risk and other acusition they email me in PayPal. Honestly I don't make any issue in PayPal I don't break the rules in PayPal I don't have any dispute in my accounts. They banned my account in unfair decisions. I'm just doing good business in PayPal but they banned me I don't know why they banned me even I'm a good seller in the platform. I don't make any illegal activities or break the policy and rules. 

That's why I make new PayPal account to continue my business with them same name and same I.d information the email was XXXX number is XXXX But when I use it they banned again in my first transaction. They said that if ever I have an account with the same name that was banned. The newly created accounts will be banned also. 

This is not fair for me. I'm not doing any wrong I'm just doing a business with PayPal..
Product: Checking or savings account

I got an email from chime on Thursday XX/XX/XXXX stating that they will be closing my account with no reasons at all. Friday the XXXX of XXXX, I tried to log on to my account and they didn't allow me to due to my account being closed. In the account there was {$750.00} in my checking 's account. I have emailed member services a whole week about getting my money back and nobody has gotten back to me about the money.
Product: Credit card or prepaid card

Navy Federal Credit Union ( NFCU ) offered to reimburse up to {$500.00} in appraisal fee, pending that I used my NFCU credit card to pay for the cost of the appraisal. I received the request via mail and decided to use the promotional offer. The appraisal fee of {$450.00} was paid on XX/XX/XXXX using my NFCU card, and I closed on the property XX/XX/XXXX. According to NFCU, the money would be returned to me within six weeks of closing, but theyve failed to adhere to their policy. I called to follow up XX/XX/XXXX and was not able to get a definitive answer from XXXX ( MLS # XXXX ) which stated she would notate the account because I complained about calling multiple times.
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 ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving m account vulnerable and unprotected. Furthermore, their dispute resolution proces 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 redres for these violations
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my Transunion consumer report that listed a balance with XXXX with all my student loans Account # XXXX. This information is not correct because this debt has been officially canceled per IRS acceptance. See Attached. All of these account ( s ) should reflect as paid in full
Product: Debt collection

I received a phone call from Audit Adjustment on XX/XX/XXXX stating that I owed for an electric bill that I had just paid via check on XX/XX/XXXX directly to XXXX XXXX XXXX. I have the cancelled check that was cashed by XXXXXXXX XXXX XXXX on XX/XX/XXXX this check was endorsed only to XXXX XXXX XXXX. The caller stated that I owed almost {$700.00} more than what my electric bill was. I was very confused by 1 ) the amount and 2 ) Why they were calling me since I had already paid it. I confirmed the amount of my final invoice and thought that the phone call was perhaps a scam. I have one letter dated XX/XX/XXXX from Audit Adjustment stating that I paid them for the electric bill on XX/XX/XXXX. I did no such thing- so this statement from them is untrue. This first written communication was sent more than a month after my bill with XXXX was already paid.
Product: Credit reporting or other personal consumer reports

I have attached a dispute result letter sent from Equifax stating that inquiries were deleted from my credit report but this is false. These inquiries are still on my Equifax credit profile and nothing was done. this document I uploaded is a lie.
Product: Credit card

This is inaccurate because this debt is charged off and considered income. I should have received a 1099C to account for it as income and income should not be listed on my credit report. The account is listed as a collection and/or charged off account with a past due balance and I am requesting the deletion of the following charged off debt be removed from my credit report. In addition, I request an immediate update to my credit report reflecting deletion of the items.from my credit report.
Product: Credit reporting

I XXXX XXXX XXXX have information belonging to a XXXX XXXX XXXX on my credit report. I would like this removed. I get calls all the time for this lady. Our Social Security numbers do n't match. 
No match of our DOB. I would like the credit bureau service to know this is hurting my good credit. Just because workers are so fast not to pay attention to correct information. Please remove XXXX XXXX XXXX information of my credit report. Obvious this lady has bad credit and its needs to be on her credit report. Now I got people calling giving me a hard time. I was XXXX XXXX XXXX off my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and as a result, there are unauthorized accounts and inquiries on my credit report. I am requesting that these accounts and inquiries be blocked and deleted pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Below are the details of the accounts and inquiries that require action : Accounts to be Blocked and Deleted 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 XXXXXX/XX/XXXX
Product: Mortgage

I opened a claim in XXXX, XXXX against Wells Fargo Home Mortgage. I am currently awaiting a response, confirmation, and a refund/credit of a large sum of money owed to me. The last communication from Wells Fargo in mid XXXX stated that they expected to have a resolution by XXXX XXXX. To date, I have not received any email, phone call or message, or letter with any resolution to my claim. Communication has gone cold. 

My primary mortgage was sold from Wells Fargo to XXXX. The original HELOC, now a 2nd mortgage, was not sold, remains with Wells Fargo, & the balance due is inaccurate. There is an ongoing dispute and supposedly an active investigation into a {$20000.00}  payment that I paid by cashier 's check to XXXX XXXX before XXXX XXXX was sold to XXXX, then acquired by Wells Fargo. I provided evidence of the payment & Wells Fargo has been unwilling to credit my account or pay me back the unapplied funds. Instead, they issued a sale date based on {$6000.00} that appears unpaid due to this dispute. Wells Fargo has failed to identify where they applied the funds ; however, they were never applied to my HELOC or 2nd mortgage account. They have also been unwilling to enact any sort of resolution. They have been unwilling to accept payments for the past year. They will not consider a new modification. The amount of money Wells Fargo owes me far exceeds the amount of money I owe them. Account # # XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and Equifax to reinvestigate this account from XXXX XXXX  Tenant Screeners XX/XX/XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 card or prepaid card

My name is XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ). I charged {$1400.00} to a Goldman Sachs Apple Card on XX/XX/XXXX in payment of six months of auto insurance premiums to XXXX. I canceled the policy at least 24 hours before it took affect XXXX because a much better offer came out of nowhere from another company. XXXX actually should never have charged me, but it did. This has been going on for over two months. XXXX claims to have returned the money to Goldman Sachs Bank or reversed the charges. Goldman Sachs Bank refuses to credit my account. I have been in touch with them numerous times by phone and through text support. I have all of those text records or all that my phone saves. Still, no money. GSs provisional credit is no credit at all. The Banks employees are masters of runaround and deceit. Im trying to get retired, but because of the pandemic my congregation and I agreed it would be better for all if I delayed my retirement. Had I been retired, {$1400.00} would be about 40 % of my monthly income. Suddenly Id have become one of those senior adults wondering how to pay rent. I dont know if this is an effort to scam a senior or just run of the mill thievery.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to the Experian Credit Bureau to REMIND them that there is no involvement from a third party. They can not legally contact third parties with my private or sensitive information for any reason. Lack of permission defines fraud. The items listed below are false and are having an effect on my ability to establish credit. I want this removed right away! 
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