23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

They say they mailed an account closure check and that it was deposited in someone elses account in their own bank but yet are giving me the biggest hassle to get my own funds back. I just want whats mine and what was owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My purse was stolen in 2013 and they stole my License, And social security and they opened up various accounts with my Social, They did XXXX, XXXX XXXX, Macys and Best buy and these accounts are affecting my credit negatively and it's not allowing me to obtain any new line of credit, I filed a police report and it's on record,
Product: Checking or savings account

I requested to open a savings account with XXXX XXXX on XX/XX/2024 and XX/XX/2024 and was declined without explanation. 

Here are the application XXXX : XXXX XXXX XXXX They said they could not verify my information, but without further explanation I have no way to correct the problems with my previous applications.
Product: Credit reporting or other personal consumer reports

there are two accounts on my XXXX and Equifax. They are as follows 1 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are not my accounts and ar e in my way to secure mortgage and must be deleted.
Product: Credit reporting or other personal consumer reports

I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX XXXXor me, and I sincerely hope for a swift resolution.
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 's # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX  Bankruptcy # REF : 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 or other personal consumer reports

I have file several complaints on this company For the last three years and its getting to a point Im honing to file a lawsuit they flagged my credit profile saying its a flagged collection account on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I attempted to reach out to them again directly and on the XXXX app with disputing without any luck on XX/XX/XXXX I reported them to the XXXX  XXXX  XXXX ( XXXX XXXX I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with Aargon Agency Inc, they did not provide me with the original contract as I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX credit card about 20 years ago. Now my credit report dropped 50 points. My credit score was XXXX, now XXXX. What has happened. I owe no one anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reported Hard Inquiry from XXXX XXXX on XX/XX/XXXX. I did not authorize this inquiry or have any contact with this Company regarding an account with them. 
Upon seeing this Hard Inquiry thru XXXX XXXX which I check several times a month I disputed its authenticity with Equifax. Was not satisfied with their investigation which simply told me to contact the company ... .... Mean while I recieved via USPS a package from XXXX XXXX with an invoice showing 0 dollars? Then a statement of account later showing I owed several hundred dollars for this item. 
I believe this is an attempt to Steal My Identity. Please advise the action I need to take to stop this. 
Regards, Very Concerned
Product: Credit reporting, credit repair services, or other personal consumer reports

I've received notices from companies XXXX XXXX and XXXX that there were some items on my credit report impacting decisions made towards my credit worthiness. Given that I just purchased a second home ( XX/XX/2018 ) and my current score is XXXX as of XX/XX/XXXX based on the information that XXXX XXXX ( XXXX XXXX XXXX ). On the document it says the following : Several delinquent accounts High Balances ( two home loans ) I don't have any delinquent accounts and if I did, I wouldn't be able to purchase another home. I've reached out to Equifax before about this issue and was given the run around. This agency never provide responses that are useful or makes changes. The information that they provided is never accurate.
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 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

I have previously submitted a complaint under XXXX explaining that Medical Data Systems has repeatedly dropped themselves from my credit report only to reinsert themselves within a 30 day window impacting my credit. I have indicated that these are re-aged as they are being reinserted because it is impacting my credit score every time it is reinserted. This year I was able to catch these trade-lines as they were deleted form my report and took the opportunity to inform your agency that I was expecting these to be yet re-inserted again. Well, that is exactly what they have done since my last complaint to you. I have shown you where Medical Data Systems were on my report, removed and now attaching where they have since re-inserted al four trade-ins just as I predicted. By next month, one my scores have loaded to my subscription my score will have dropped. I have already explained that I was expecting them to do this again and they have. They have sent me a written reply expeditiously and closed this case acknowledging removal of four trade-lines names in CFPB complaint # XXXX. They made me aware that they had a fifth   account that apparently was not reporting to the credit bureau and wanted me to know that it will be inserted to the credit bureau. They did not do that. They reinserted the same four tradelines again.I have attached my credit report showing them on there in one month, removed in XXXX and added all over again in XXXX. Someone has to be able to do something about having them blocked form report, They cant keep doing this. It has been repetitive, and they have further argued my claim of repetitive re-aging, they have re-inserted them with the original dates. I need them blocked from being able to report or give these to another one else to report, It goes against Fair Credit Reporting Act. I plan to reintroduce this claim to every agency governing the Fair Credit Reporting Act. 


All four accounts are as named : # XXXX # XXXX # XXXX # XXXX ( the fifth   account names in their letter dated and stated as attached,
Product: Credit reporting, credit repair services, or other personal consumer reports

While in XXXX XXXX I was deceived to use pay pal credit. They offered financing deals on purchases depending on the amount of purchase without reporting to credit bureaus. While Im XXXX I was on time with payments and regularly made payments. On 2-3 different occasions Im XX/XX/2019, XX/XX/2019, and XX/XX/2019. And PayPal failed to advise of any missed payment even as I reached out to them to make payment. Representatives were often confused or advised payment could be done at a later time. Recently, I checked my credit report and seen that Synchrony Bank took over PayPal Credit. This information was not provided to me and my credit information was not advised to be reported to any of the bureaus. Ive been getting notifications every month of late payments from the previous mentioned dates and reporting of my credit for this account. Also unaware of this account, it is also being reported that the account was closed by consumer. Not once have I spoken to PayPal or synchrony advising them of such. I also never was made aware of any account closure by mail or email and have paid my bill every month on time. I am asking that these late payments that violate the fair credit reporting act, damages from failure to obtain new credit at favorable interest rates, damage to my personal and business reputation are REMOVED immediately. This issue has been widely documented from many consumers and I didnt even realize how they scammed me and my credit reporting as well as others!
Product: Debt collection

I rented a XXXX XXXX home in XXXX, NY from XXXX I paid the down payment and paid an auto drafted monthly bill from my XXXX  XXXX XXXX account to XXXX and XXXX XXXX for my electric ranging from $ XXXX a month. XX/XX/2018 I was charged {$1000.00}, which was clear to myself, my landlord and my bank branch manager that there was an error. Myself and my landlord called XXXX & XXXX and my branch manager wrote them a letter himself explaining there had to be a mistake. They sent out a technician and said there was no mistake and charged me anyway, even though it would be physically impossible for me to accrue an electric bill that high in such a small dwelling inside of a four week period. They have refused to accept any form of accountability that this was simply a clerical error and have turned the bill to collections which has not only hurt my credit, affecting me personally but has nearly doubled while in collections.
Product: Credit card

On XX/XX/XXXX I made a charge of {$1000.00} dollars on deferred interest payments until XX/XX/XXXX. On XX/XX/XXXX I charged {$1400.00} to the credit card. Also another charge on XX/XX/XXXX for {$770.00} dollars.It was deferred interest until XX/XX/XXXX. On XX/XX/XXXX, I made a payment of {$4900.00} dollars and specifically requested that the amounts on deferred payments be paid first ( XXXX dollars total ) from that amount. However, I realized that on XX/XX/XXXX a deferred interest on the amount of {$770.00} was charged deferred interest for {$420.00} dollars I called them and was given credit. However, on XX/XX/XXXX I was charged with deferred interest on the other XXXX amounts, a total deferred interest of {$1300.00} dollars. I REPEAT ALL THOSE AMOUNTS ON DEFERRED INTEREST PAYMENT WERE PAID ON XX/XX/XXXX. THE CREDIT CARD REFUSED TO CREDIT THE DEFERRED INTEREST PAYMENTS.
Product: Credit reporting 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 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

Th  e " annualcreditreport.com '' website is a piece of junk.
The CAPTCHA form is c  lose to illegible, requiring multiple attempts that often abort the process.     The use of popups also causes the process to abort.     I was able to obtain only  XXXX  of  XXXX  reports. The other  XXXX  apparently thought the report had already been provided, when it had n't, probably due to popups aborting the process.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes. Particularly in the 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 claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate Zelle not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX below 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 it also states a consumer reporting agency can not furnish a account without my written instructions : I would like all accounts DELETED FROM MY CREDIT REPORTING AGENCY THESE HAVE NOW DAMAGED MY CREDIT 3 TIME I HAVE REQUESTED XXXX XXXX XXXX XXXX {$450.00} Account Information Address XXXX XXXX XXXX XXXX XXXX DE XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX Remarks CLOSED BY CREDIT GRANTOR ; UNPAID BALANCE CHARGED OFF XXXX XXXX XXXX XXXX {$2000.00} Account Information Address XXXX XXXX XXXX XXXX, DE XXXX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX High Balance {$3400.00} Credit Limit {$3200.00} Past Due {$2000.00} Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Remarks CLOSED BY CREDIT GRANTOR ; UNPAID BALANCE CHARGED OFF XXXX XXXX XXXX {$2500.00} Account Information Address XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX XXXX Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CHARGE ACCOUNT Date Updated XX/XX/XXXX Payment Received {$100.00} Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX
Product: Bank account or service

I had XXXX separate purchases that I made through XXXX using my bank card. I was unaware the the purchases I was making were out of the country and not being payed the proper way through XXXX. When I never received my items I called XXXX to dispute the charges. They advised that since it was paid as a freind payment ( which I di n't know ) I would have to got to the bank and cancel it with them. I went to my 1st bank branch in XXXX ca. and I signed an affidavit for the XXXX charges XXXX and XXXX. the bank then reversed the charges to XXXX and put it back in my acct. XXXX at that point put my acct in the negative. XXXX then opened a dispute for only XXXX charge the XXXX and after they opened it the 10 days went buy and the dispute was closed in my favor and XXXX gave me the money back for that XXXX charge. All good Now we have the second charge XXXX. I can not get XXXX to open a dispute so I can go the 10 days and get it out of the negative. I have called XXXX several times and they advised that they see the money being taken by 1st bank but they only have a dispute from the bank for XXXX charge. I have called the bank several times and they advised that they should have all the paperwork to open a dispute from the first filed paperwork. The bank refuses to resend it. The last time I talked to my bank they advised that there is now a 3rd party bank involved because it was a international charge ( which I did n't know either ). But that is on XXXX end. If they open a dispute and find in my favor then they will have to go after the XXXX and XXXX. That should have nothing to do with my end.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 , 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate 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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items that have been found on my credit report. I have identified several issues with the information that has been reported and I am requesting your assistance in correcting these errors. 

Firstly, there are several unauthorized inquiries on my credit report. These inquiries from XXXX XXXX and XXXX XXXX were not authorized by me and I suspect they may be fraudulent. I am requesting that these inquiries be removed from my credit report immediately. 

Additionally, there are several inquiries that I do not recall authorizing. These inquiries from XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX are unfamiliar to me and I request that they be removed from my credit report. 

Furthermore, there are several accounts on my credit report that have questionable information associated with them. The account with XXXX XXXX XXXX with the account number XXXX and XXXX, as well as the account with XXXX XXXX XXXX with the account number XXXX, all have questionable names and numbers. I am requesting that either the information be clarified or the accounts be deleted from my credit report. 

In addition, the account with XXXX XXXX with the account number XXXX has a payment history despite being listed as a charge off. This is inaccurate information and I am requesting that this account be removed from my credit report. 

Lastly, the account with XXXX with the account number XXXX and the account with XXXX XXXX with the account number XXXX both have incorrect information associated with them. I do not recall ever being late with my payments and I request that this inaccurate information be removed from my credit report immediately. 

I appreciate your attention to this matter and I look forward to your prompt response. 

Sincerely, XXXX XXXX
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 is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00}
Product: Debt collection

I have sent several letters to the company requesting validation for the alleged debt. I have received no communication and no debt validation. A debt collector can not report a debt to a credit report without validation. They are claiming I owe one account in the amount of {$7400.00} and one in the amount of {$6000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

False information about account such as balance Closed account closed by company Inaccurate information