23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have been disputing these accounts with Experian for months and they all came back verified but refuse to send me how they verified the accounts when the other credit bureaus are not reporting the accounts. 
They have also ignored the fact that I am a victim of identity theft. I sent them my police report, ID, a copy of my FTC report and proof of address and they totally ignored it all. 
According to FCRA 15 U. S. C 1681 ( 4 ) 1681 stated that Accuracy and fairness of credit reporting. 15 U. S. C 1681s-2 states that CRA knows the information is inaccurate and still reporting it on a consumer credit report.

According to FCRA 15 U. S. C 605B ( they refuse to block my information even after I provide proof of the identity, identity theft report, information stating that the information is not related to me. 

All XXXX credit bureaus a reporting different information and they all should be getting their information from the same source. 
Example dates are inaccurate for all XXXX bureaus, amounts and payments are inaccurate. I also provided them with all XXXX bureaus reports. They did not do any investigation on these accounts. 
Experian did not put on the account that the accounts are in dispute which is also a violation. 

Accounts in question : XXXX XXXX, ( listed multiple times on my report ) PatienFi, ( listed multiple times on my report ) discover bank for years that it was due to Identity theft they company ignored that is another violation qnd they are the only bureau that is reporting it. 

XXXX credit union is not my account and XXXX is the only bureau that is reporting this inaccurate information XXXX Bank card is not my account that is caused by identity theft. They also refuse to send me proof as to how the accounts came back verified they know that they didn't investigate the accounts. 

According FCRA these are all violations! I will also be compensated for all the violations! 
XXXX IS REPORTING 4 Times and UPGRADE is REPORTING 3 times. 

MY INFORMATION WAS COMPROMISED THROUGH XXXX AND EXPERIAN DATA BREACH.
Product: Debt collection

On XX/XX/XXXX I noticed a collection account had been placed on my from XXXX XXXX. This was the first time I 'd heard from them about this debt. That same day I sent a debt validation letter via email as they said this was how they communicate. On XX/XX/XXXX, I received a letter asking me to fill out a form for identification fraud claim I made through the credit bureaus which I never did. Also, on XX/XX/XXXX between XXXX and XXXX XXXX I called  XXXX XXXX to discuss the papers sent to me about this fraud claim. A phone agent claimed I had no right to a debt validation letter from XXXX, because it had been past the 30 day window of time from their first contact, after that they proceeded to make an attempt to collect on the debt from me by telling me I had only two options which was to pay the debt or make a claim that I have no intention of paying it. They also continued by claiming that I had received XXXX 's initial letter though it was n't sent certified mail. I told them that I had not received the initial letter, the phone agent accused me of lying implying that I had received it, the phone agents implication was an attack on me in order to disgrace me. 

They further continued by stating I had no rights to dispute this debt anymore because the original creditor told XXXX it was valid, which I still have no proof of. They continued trying to collect on a debt by bullying me, despite the fact I still had not received debt validation, and demanding I remit payment or make a statement acknowledging the debt by refusing to pay it. When I kept insisting that I 'd like the information that I requested from my debt validation letter they hung up the phone in my face. 

These actions by XXXX are grossly negligent and against the Fair Debt Collection Practices Act. A collection agency may not use any false, deceptive and misleading means in connection with the collection of any debt. Nor can they use implication that the consumer committed certain conduct in order to disgrace the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to CFPB ( XXXX ) and Santander denied the allegation and were snide in their response as well, I might add. Per Santander 's letter dated XX/XX/XXXX, 'We respectfully decline to request any changes to the information provided to the credit reporting agencies '. To this I reply, " Santander, you are not at liberty to decline. It is the law that you delete the information per The Fair Credit Reporting Act and the State Attorney Generals Office of Consumer Affairs, because it is not accurate information as you purport. '' You are not truth telling when you state in your letter that you are reporting in a consistent and accurate manner to the agencies. I have attached, and have hard copies, from the three different credit bureaus to prove that you in fact have been reporting different balances and payment histories to all three agencies, to include wrong/different reporting for the month of XX/XX/XXXX. Ill regardless of my payment arrangement, that I made a payment on today, you must delete the account as I am requesting by law, as you have violated credit reporting laws, and refuse to obey and delete. '' In your letter you mention a {$100.00} difference you credited me in the total remaining balance on my settlement agreement as the reason for the credit agencies having different totals, etc. The difference you are reporting to XXXX and XXXX is a {$2700.00} difference. And the XXXX  difference in comparison to what is being reported to XXXX is $ XXXX.You Santander , suggest request that I contact the Credit reporting agencies regarding discrepancies. You contradict your earlier statement of, 'Santander is merely a furnisher of credit information, and not the agency, and has no control of the contents of credit history maintained by the agency. ' You are the original reporter and must request that they delete this inaccurate/inconsistent account from all three agencies. I did not say delete my payment arrangement, I said delete this account off my record as is your responsibility to me the consumer, per fair credit reporting laws.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX This Information is Incorrect. Please remove this inaccuracy from my report XXXX XXXX XXXX I was never late on this account- Please check the status on this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I took out cash advances ( XXXX XXXX ) along with had a 2 personal loans for {$1000.00} each that has since been paid off between XXXX XXXX XXXX. I realized the program was predatory and had not had any further transactions with them since this time. In XXXX XXXX I received an email saying my account was closed due to inactivity. In XXXX XXXX  I started receiving monthly charges to my savings account for {$9.00} as a " membership fee ''. I have disputed these transactions each month with my bank and requested a ACHstop payment. Moneylion continued to change their name and still pulls the money out. I have reached out to them Several times and they will not stop charging me, despite not having an active account or a way to sign in and access my account. I do not have the ability to log in and each time I try I get an error saying a password reset link was sent, but nothing ever comes through. I have repeatedly asked MoneyLion to cancel my account, yet I keep getting asked for my ID and a photo of me holding my ID, and they are also requesting a photo of my marriage license. They have also denied my photo pictures. So I'm still stuck paying for an account, that is supposedly closed, that I have not used Services for in a year.
Product: Credit card or prepaid card

When I typed in my social and address on get my payment from the IRS, it says my check was mailed XX/XX/XXXX. It is now XX/XX/XXXX and I believe that my payment was sent via debit card without notice and was accidentally thrown away. The EIP card that I was going to receive looked like junk mail which may have caused me to throw it out.
Product: Credit card

-Wells Fargo harassed a XXXX and violated both protective orders and his civil rights under the Fair Debt Collection Practices Act -Wells Fargo perpetrated XXXX-fraud and financial exploitation by creating a fraudulent line of credit, charged to a senior without his knowledge, understanding or any benefit to him, and then collected from him on it despite his protests -Wells Fargo showed bad faith, taking from XX/XX/XXXX to XX/XX/XXXX to " investigate '' the elder-fraud, then stated that there was no fraud, then stated there actually was only when told that an advocate would not waive XXXX XXXX legal rights -Wells Fargo has ignored and continues to ignore requests to restore the money it took from a XXXX based on a fraudulent loan that it issued despite written acknowledgement by a Wells Fargo attorney that it is indeed fraudulent
Product: Student loan

I have been trying to make a full payment on my student loans with Aidvantage since the XXXX of XXXX. The payments of XXXX keep getting " reversed ''? My bank account is correct and i have confirmed this with my bank. The customer service at Aidvantage are running out of excuses and never answer. Each time I try to make a payment, the settings in my account get randomly changed and the amount owed gets raised. It should not be this difficult to pay a loan back.
Product: Credit reporting or other personal consumer reports

I have XXXX inquiries on my transunion credit report that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My Regions bank account was not able to make any external transfer as it was on hold. When I first got this information the pop up guided me to call the number of ( XXXX ) XXXX which is the number for Regions Online Banking customer service. I've called them three times and first two only told me that they could not able to identify any hold on my account and the third call told me that I can not do anything about my hold unless I visit one of their branches. However, the nearest branch to my current resident is in Indiana, which will take me three hours to travel. I asked them if there were any alternative options for me and customer service refused answer my questions even though I asked them multiple times and I had to finish the call there as I was becoming very frustrated. My bank account currently has {$4000.00} in it so I asked about closing the account and they said it is not possible since the balance isn't below {$1000.00}.
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 failure 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 error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions significant inconvenience and financial loss and i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I was stunned this morning when I saw inaccurate accounts pop up on my credit report, and I dont understand how this happened. I checked my report like I always do, but this time, there were mistakes out of nowhere. Hoping it was a glitch, I refreshed my browser, but nothing changed. Im asking that the documents Ive sent be carefully reviewed so I can put this behind me for good.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX , Nathan & Nathan P.C. , are trying to collect a credit card debt of XXXX in civil court XX/XX/XXXX in XXXX , TN. I have XXXX   XXXX XXXX and on XXXX. I started XXXX XX/XX/XXXX. I closed this account XX/XX/XXXX at that time after making a payment the csr informed me that late charges and fees would still be added to the account of approx. {$1400.00} which is now XXXX. I tried to get a home equity loan and was told XXXX XXXX do not do home equity in TN. After getting a letter from the above law firm ( that talk to you as if we still live in slavery time ), I tried to get a auto loan from XXXX XXXX XX/XX/XXXX and was turned down because the csr said they do not refinance vehicle. My medical condition I can not do alot of walking especially in hot humid weather if I make it to the courtroom XX/XX/XXXX I may not be able to speak loudly.if I don't pass out. XX/XX/XXXX I am schedule to have a consultation on getting a reverse mortgage to pay this debt and others with the equity in my home.CFPB # XXXX. Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a Natural person, I am a living human being, I have the rights under 15 USC 1681.Equifax is govern by 15 USC 1681 , And they violated my rights numerous of times.I demand the accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.These accounts are XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX SD XXXX, next account is XXXX  XXXX XXXX XXXX XXXX, XXXX, ND XXXX, XXXX is XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, va XXXX , next is XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX, last account is XXXX XXXX  XXXX XXXX XXXX, XXXX, PA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

my information has been used since I was child since XX/XX/2008 I have alot of things on my credit report i did not do at all. i know my things was stolen so please removed all the things off my report. equifaxXXXX XXXX  for XXXX and a collection account XXXX XXXX for XXXX & inquries XXXX XXXX XXXX & XXXX XXXX XXXX & XXXX XXXX XXXX all this is for
Product: Debt collection

XXXX XXXX XXXX has continually called my place of employment and left voice messages on a public telephone number threatening legal action against me as well as threatening to garnish my wages. I spoke with the representative and repeatedly asked them not to contact me but they continue to call multiple times a day
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX & XXXX CARD XXXX
Product: Checking or savings account

I deposited XXXX dollars into my account and a few days later it was closed. I could not gain access to my checking account. Chime requested documents to prove where the XXXX dollars came from and so I sent them my information and proof of my unemployment benefits. Now its been days and radio silence, they have stopped replying to my inquires. During this pandemic things are hard as is and now imagine having your funds locked up and no one answering. I would like for them to send a check to the address on file and close my account. I want nothing to do with their horrible customer service and would like all my funds back.
Product: Prepaid card

I was given this card as a gift and maybe a month or so goes by and i try to use it just to figure out someone has already used it at a store which is weird right? so i make a dispute through the vanilla gift dispute process and maybe 25-30+ days go by and nothing so i look up if their even going to do anything and ive got maybe 10+ post of people waiting 90 or more days and no response and when they try to call them to fix it they still do nothing. i was told to go here as there will be better results.
Product: Debt collection

The inconsistency in your reporting is not only inconvenient but also damaging to my financial standing and overall well-being. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. WHY DOES YOUR BUREAU TAKE AN INORDINATE AMOUNT OF TIME TO RECTIFY INACCURACIES WHEN OTHER CREDIT BUREAUS HAVE MANAGED TO COMPLETE THEIR REPORTS ACCURATELY AND PROMPTLY? THIS DELAY IS NOT ONLY UNACCEPTABLE BUT ALSO INDICATIVE OF A LACK OF COMMITMENT TO ENSURING THE INTEGRITY OF THE CREDIT REPORTING SYSTEM. 
XXXX XXXX PLEASE DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX XXXX XXXX PLEASE DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
It has come to my attention that there are significant disparities in the reporting of fraud accounts across different credit bureaus. While some bureaus have successfully and promptly removed these fraudulent accounts from my credit report, your bureau seems to be lagging behind, causing unnecessary confusion and distress on my part. I insist that you prioritize the resolution of this matter urgently and provide me with a detailed explanation of the steps you are taking to rectify the inconsistencies in my credit report. The delayed removal of fraudulent accounts is not only a violation of my rights as a consumer but also a direct threat to my financial stability.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of consumer disputes, particularly in light of the recent CFPB lawsuit highlighting systemic issues with the platform. Despite my extensive use of Zelle and my efforts to report discrepancies, both my financial institution and Zelle failed to conduct a thorough investigation into my claims. Instead, I was informed that recovering the lost funds was not possible and that tracking these transactions was unfeasible. 

The findings by the CFPB further reveal that Zelle has not only failed to adequately protect its users but has also enabled repeat offenders to exploit the system, leaving consumers like me vulnerable to fraud and scams. This lack of accountability and transparency is deeply concerning and reflects a failure to uphold basic consumer protections. I urge Zelle and the institutions involved to take immediate action to address these critical shortcomings and prioritize the safety of their users.
Product: Credit reporting

I lived in XXXX XXXX several years ago. When I moved out, I completely cleaned the apt including vacuuming the floors, but did not shampoo them. I was not told this was a condition of getting my deposit back. While I lived there, I had a large room sized carpet in the living room that completely covered their carpet. The tubs were painted prior to my moving in. During my time there, the paint chipped off several places. I reported this in writing and they offered to come repaint the tubs, but I would need to be out of apartment for 4-6 hours. I am XXXX and work many long hours. I had no where to go to sleep for 4-6 hours, so I lived with the chipped paint. Once I moved out, after several months, I received a statement saying I owe over {$1200.00} for " damages ''. I immediately called. They said they would send me pictures of everything they considered " damage '' I never received these pictures. They sent an itemized list of things they were charging me for, most of them were the routine make ready every apartment must do. XXXX item that stuck out was the charge to repaint my tubs. I called and reminded them these were maintenance issues I had while living there. They sent me another letter stating they were removing this item from my " amount due them '' making the new amount due {$900.00}. I called again and told them I have not received any pictures of damage and knew I did not damage their apartment. The flooring in the kitchen and bathrooms is from a roll of linoleum. They said I scratched it. It is very cheap and soft flooring, and it did have a few areas that were not perfect, but it appeared to be normal things that happen. Since I know I had their carpet completely covered, I knew I did not damage that, but they listed a cost to completely re-carpet the place. I think it is criminal that apartments believe they can charge people for maintenance that is not theirs to pay, and that they have the power to arbitrarily send it to a credit reporting agency that takes it as gospel. I disputed this and requested the documentation to back up these charges which I did not get. I requested to know why they keep changing the amount they are holding me hostage for. I did not receive any documentation from XXXX XXXX, only a comment on my credit reports saying the claims were " verified '' I 'm not sure what " verified '' means, but it does not mean true or accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XX/XX/XXXXand XX/XX/XXXXhas been reporting inquiries on my credit reports that I did not authorize. 
On XX/XX/2020 I applied for financing at XXXX 's XXXX in XXXX, NJ. I urged their sales team to only apply for financing at XXXX XXXX, I found out later it was more than three banks. Here are the ones not authorized : XXXX  - XXXX XXXX XXXX - XXXX. XXXX XXXX 's XXXX - XXXX XXXX XXXX  - XXXX The other inquiries on my reports I do not recognize and are otherwise fraudulent : XXXX XXXX - XXXX and XX/XX/2020 XXXX/XX/XX/XXXX XXXX  - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XX/XX/2020 AND XX/XX/2020 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house and realized that I had major issues with my credit file. According to the 15 u, s, c 1681A law states that late payments are illegal. My late pay came during the pandemic which I thought that the government had expressed to the bill collectors to be more lenient. Also 15 USC Section 604 states rights to consumers ' privacy. Reporting agencies can not furnish an account without my written consent. The resolution to this is to delete the listed accounts. 
Discover Bank XXXX With XXXX, XXXX, and XXXX XXXX XXXX  XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and XXXX Upgrade XXXX XXXX, XXXX and XXXX
Product: Credit reporting or other personal consumer reports

Hi XX/XX/XXXX XXXX decreased my credit XXXX point when I check it they show in my XXXX credit card like XXXX debt but its wrong I never use credit like that I always pay on time max in 2 days, and I disputed this debt on XXXX they tell me youre right and they just send me XXXX points back I want from them my XXXX points its unfair and for no reason!!!