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

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response about the written requests I sent in XXXX Credit Bureaus. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : NAVY FEDERAL CR UNION XXXX Balance : {$20000.00} ; NAVY FCU XXXX XXXX : {$19000.00} ; NAVY FCU XXXX XXXX : {$12000.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Amsher collection Services was sent a letter of dispute. After review of my credit reports, Amsher has not marked my account as disputed as required by the FDCPA
Product: Debt collection

I have contacted 1st Progress AKA FST Progress I sent them a 14 page packet along with the Affidavit they sent me. This affidavit I signed an notarized over 14 times going back as far as XXXX. This company continue to play games with me and ask for me to send the same paperwork as a stall tactic. Knowing I have Identity theft. today XX/XX/XXXX they send me a letter telling me they will refund to fraudulent charges? to a gas station and XXXX?? I do n't understand this is about the whole account. They play the games to be funny and I 'm very serious and on the verge of taking them to Court, If they do not comply with the guidelines and code of fair credit reporting. I am very upset that I have spent over XXXX clock Hours in writing them calling and Paying for Notary to Notarize my Documents. They have also change the dates on the credit report? Can some one please get this fraud of my Report. I do n't understand why a company would continue to Hurt a victim of a crime Like Identity theft. Its been XXXX trying to get my life back. I want this removed ASAP no more games.
Product: Student loan

Navient 's processing of annual income based repayment ( IBR ) requests takes too long - several months ( standard seems to be 3 months ), causing my monthly payment to quadruple or quintuple.
Every year I file my tax return as soon as I have all my documentation. For two consecutive years in a row (   XXXX   and   XXXX   ) I filed my taxes in   XXXX     and immediately submit my IBR request to Navient. I then follow up in a month with Navient to verify receipt.
For two years in a row, Navient takes 3-4 months (  in this case, it is currently   XXXX   and my IBR has not yet been approved ) to process and approve my IBR  request. This causes my student loans to be pushed out of IBR and into standard loan repayment, causing me to overdraft my deposit account and having to put other expenses on credit cards just to repay my student loans. Although I can submit a paystub instead of a tax return, I prefer to submit my tax return as it includes both my husband and my income after tax and will reflect a lower amount than if I submit a paystub.
When I called Navient both years to complain about the amount of time it takes to process the IBR, they offer to put my account into forbearance. I do not need forbearance - what I need is for there to be a reasonable processing time of my IBR request to avoid high monthly repayment costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax listed three key factors that adversely affected my credit score ; two of them were : Proportion of balances to credit limits is too high Amount owed on accounts is too high These are false. My combined credit limits ( on two cards ) is over {$32000.00}. On XX/XX/XXXX, when the credit report was run, their balances were XXXX. XXXX dollars, XXXX cents. For as long as I've had those cards, they have been paid off in full, on time or early. 

XXXX  and XXXX listed these factors as well. 

Please advise.
Product: Other financial service

I was enrolled in a program XXXX XXXX XXXX through a company I saw in the XXXX XXXX. The company I saw was Financial Rescue LLC owned by XXXX XXXX. He promised us that our problems will go away if we enroll in his program, the said company XXXX XXXX XXXX XXXX. We did not know he is also the owner of this company which had their negotiators in the XXXX. Without hesitation we entered into this program but after half a year of paying the monthly program found that most of the money we were paying is going into his fees. It seemed that we are headed nowhere so I cancelled the program and asked for our money back. As I ready into different articles about his program, we found that it was illegal for him to collect such fees in advance without having provided any settlement service. When I wrote to him about this, I received a letter from an attorney XXXX XXXX who told me that my understanding is wrong and that he was entitled to those fees and did not have to refund them. With this, my husband and I ended up going into bankruptcy so that we can eliminate the debts due to our hardship. It is so unfair that this companies target clients who are in severe hardship and take advantage of them to enrich themselves. Please help us get our money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I think inquiries have been fraudulently done under my social security or without my approval. 

Would love to have the inquiries I DID NOT APPLY FOR OR AUTHORIZE FOR A PULL ON MY REPORT REMOVED XXXX XXXX XXXX. Date : XXXX Capital ONE Auto Finance. Date : XXXX XXXX XXXX XXXX XXXX. Date : XXXX XXXX XXXX XXXX. Date : XXXX XXXX XXXX XXXX. Date : XXXX XXXX XXXX XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019 Transunion allowed XXXX funding to place a collections account on my credit report. XXXX did not allow the oppurtunity to dispute the account before reporting it. I have submitted online disputes via transunion to have this account removed and Transunion has allowed the account information to be parrotted via LVNV. I requested verification and substantiation from XXXX in XXXX and the company did not properly address my dispute request. I called transunion to submit a dispute about XXXX informing them that the company has not validated or substantiated this account per my request. Transunion and XXXX have both broken the law and need to have this alleged account deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting a charged off collection on my account. However this is past the statute in Utah and I no longer owe this debt. This needs to be removed off of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is combining my information with someone else 's, and as a result there are addresses listed on my credit report that I never lived at, and my name is incorrect and I 've called over the past month, disputed the inaccuracies and I was told that my creditors have to update my name but I have accounts on there with my updated name and address. But they still wo n't fix this error, each time I call it 's someone who does n't speak English and I 'm very irritated by this!
Product: Debt collection

I use to own a restaurant in XXXX  ( XXXX XXXX ) I used to use XXXX credit card reader from XXXX XXXX XXXX, I use this company for only XXXX month and after I separate from this company due to dispute and other XXXX. After the separation they asked me to return XXXX of the credit card reader in which I comply and kept the other XXXX in my garage ( collection dust ) because they say to me they don't need it I still have the tracking number. After a wile ( 1 years ) i find out out of the blue that the company put me in collection for something that I don't even know sop I start to call several time for several months ( like XXXX to XXXX ) and ask when I was in collection, they can't explain why and few time they told me that it will be resolved asap I wait an-other r month and nothin happen I call again and after hours of conversation they told ma again it will be resolved in few days, month pasty and nothing yet, I called again and again with people that can't even understand what going on until XXXX XXXX from the company tell me exactly what happen, the reason was that I need to return the other XXXX device which I did it again I XXXX the receive for this item and I called to let them know that the devise was sent. few weeks passed and I'm still in collection, I ask the collection personal and I asked them why they do not remove me even after I send those item, they replay and say Because .... I DIDN'T SEND THEM AFTER 10 DAYS!!!! with my surprise I told them that I spoke with the company and they suppose to take care the problem but they didn't. At this point I don't know what to do anymore because I comply with everything they ask me, but I still in collection, and I believe those 10 days the where written in a fine print that I can't even read. 
thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax shows my credit rating today as down by 18 pts. Due to two hard inquires by XXXX   XXXX XXXX. I did not arthorize the inquiries and and I have not applied for a morgage or any other credit.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I applied and received {$600.00} payday loan by a company known as XXXX XXXX XXXX. In XX/XX/XXXX payments withdrew on paydays for {$190.00}, then 2 payments in XXXX for {$190.00}, It became overwhelming to repay and remaining payments were returned by my banking institution. I was contacted in XX/XX/XXXX by XXXX XXXX   stating they had a check they were investigating and threatening legal action. I returned the call and agreed to three payments of {$500.00}. The first two went through and then I was advised not to pay them anymore due to certain rules for payday loans and the amount of interest they can charge the consumer. Today, XX/XX/XXXX they called my work and spoke with a coworker and requested to verify employment but then also stated to my coworker that they were investigating a check. I was so embarrassed when my coworker approached me with the message. I was under the impression they can not discuss any of that with employers. I called their number tonight and requested a recorded line and stated they are no longer to contact me at my place of employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Equifax to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1600.00} on my XXXX credit reporting agencie. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt which is in violation of FCRA and HIPPA " NO CONTRACT WITH ALLEGED DEBT ''
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by XXXX XXXX. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Product: Checking or savings account

Another bank logged into my online account with my Wells Fargo username and password. They made an authorized wire transfer. Wells Fargo initially flagged the transaction and restricted my online access. When I explained the details to the bank, they denied my claim! They said they spoke to the recipient and the money was already used. The money was stolen from me! And Wells Fargo flagged it as fraud! What is the point of fraud if the money wont be returned to me when there is proof I didnt make the transaction?
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the 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 claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
I hope this lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following accounts, and inquiries are not affiliated with me nor are they authorized by me. 
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, XXXX, XXXX
Product: Checking or savings account

HARRIS BANK WAS ONE WEEK LATE with STARTING the PPP PROGRAM. On top of it, the first day they DID open they did not have ANY APPLICATION to apply for online like other lenders. 

They said fill in your informatiion and someone will contact you in 48 hours. NO ONE ever contacted me. And now the program is closed. They have virtually eliminated a chance for my business to survive since my business account is there. 

They are inept. How dare they start a week later, and only send you a canned email SOMEONE WILL CALL YOU BACK in 48 hours, and now the program is cancelled due to lack of funds. 

This is the worst bank in the world. INEPT INEPT INEPT. They have excuse for their unreadiness.
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agencies Subject : Request for Deletion of Unverified Account Due to XXXX XXXX Dear Credit Reporting Agencies, I am writing to request the immediate removal of a XXXX XXXX XXXX account with a {$1100.00} balance from my credit report. I disputed this account with XXXX, and after completing their investigation on XX/XX/year>, the account was deleted from my XXXX credit report. This action indicates that the account is unverifiable, and as such, your agency is now legally required to delete it under the Fair Credit Reporting Act ( FCRA ). 

Under FCRA 611 ( a ) ( 1 ) ( A ), credit reporting agencies are obligated to ensure that the information they report is accurate, complete, and verifiable. Since XXXX has determined that this account can not be verified, it is your duty to remove it from my credit file. 

Additionally, FCRA 609 and 611 state that unverifiable accounts must be deleted within 30 days of a dispute. I request that your agency conduct its investigation promptly and remove this account from my credit report within this legally mandated timeframe.

Failure to comply with this request could lead to legal consequences. FCRA 616 and 617 provide consumers the right to seek damages and take legal action against credit reporting agencies that fail to meet their obligations under the law. Any delay in removing this unverifiable account could expose your agency to liability. 

For your reference, I have included a copy of my XXXX credit report showing that this account has been deleted. Please provide written confirmation once the account has been removed from my credit file. Should you determine that the account is valid, I request that you provide sufficient documentation verifying its accuracy. 

If this account is not removed within 30 days, I will escalate the matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and may pursue further legal remedies. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Debt collection

I called Waypoint Resource Group ( XX/XX/XXXXXXXX XXXX XXXX and followed up on XX/XX/year> ) in regard to an unfamiliar account that was on my credit report. I reached out to the debt collection agency. Upon speaking with them, they were only able to provide me with my name and the account number attached to the file. The social security number on the account did not match my social. They then advised me to contact XXXX XXXX to discuss the nature of the account. Upon speaking with XXXX XXXXhey informed me that they did not have that account number on file or any other outstanding account. She then recommended that I go into a local store location, so that they could run my social against any possible outstanding accounts. I went into the local store on XX/XX/year> located at XXXX XXXX XXXX XXXX XXXX, WI XXXX to see if they were successful in locating the account. They were unsuccessful and told me that the account number given did not match any records. I called Waypoint Collection Agency back and explained what took place at the store. They said they would remove the account, but that I should also file a dispute with the credit bureau ( s ) that the account was being listed. I filed the dispute with XXXX, however, the have consistently validated the account despite the account not being valid with the original creditor or the agency collecting the debt. I have disputed this account now going on the fourth time. Each time XXXX has validated without providing any means in which the account was verified.
Product: Checking or savings account

I am the XXXX of a XXXX non-profit that has a checking account at Bank of America. On XX/XX/XXXX I was charged an " Excess Transaction Fee '' of {$2.00} and on XX/XX/XXXX I was again charged an " Excess Transaction Fee '' of {$3.00}. 

After the first fee was charged I called Customer Service asking for a breakdown ( itemization ) of the {$2.00}. All they could provide was a general fee schedule which described things I might be charged an excess transaction fee for doing such as " {$0.00} fee per check for depositing more than XXXX check in a month ''. This document listed multiple things I might be charged a fee for doing. They could not tell me which of these fees had resulted in the {$2.00} fee I was bring charged. 

After the XX/XX/XXXX fee I visited my branch asked asked a banker there the same question. Could you please itemize the {$3.00} fee I'm being charged? Again he could only provide the general fee summary document. He could not tell me which fees were being charged. 

Without knowing which of the multiple possible fees I'm being billed for it is very difficult for me to know how to change my behavior to avoid the fees.
Product: Credit card

I reported my wallet lost to capitol one and stated there were unauthorized transactions on my account. I live in XXXX  and transactions took place in XXXX. Capitol on denied my claim because cars was present
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc ) due to adequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Cashapp has fail to provide protection against fraud which leaves my account vulnerable. Also, Cashapp fails to provide a XXXX number so that consumers can contact them about any problems that the App itself may have.