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

Under reviewing my Consumer Reports, I discover some instances of late payments on my account for which i have always maintained timely payment. I just recently looked at my credit report and noticed that some accounts have late payments during Covid-19. However i talked to these creditors below and i should not have any missed payments. Account Name : XXXX XXXX Account Number : XXXX These issues align with the violations detailed in the CFPBs lawsuit against Equifax, including inadequate investigations and improper reinsertion of inaccurate information. These errors have caused significant harm to my financial well-being. Reinvestigate and update payment on XX/XX/XXXX to on time. Delete 30 days late from credit report due to violation of 15 USC 1681s-2 ( F ) Reinvestigate and update payment on XX/XX/XXXX to on time. Delete 60 days late from credit report due to violation of 15 USC 1681s-2 ( F ) Reinvestigate and update payment on XX/XX/XXXX to on time. Delete 30 days late from credit report due to violation of 15 USC 1681s-2 ( F ) ..1. Failure to Conduct Proper Investigations : Equifax failed to perform meaningful investigations as required by the FCRA, instead relying on uncritical acceptance of furnishers responses. I demand the immediate removal of these late payments of my account and request : 1. A full investigation report for each disputed account, including verification methods and furnisher contact information. 2. Written confirmation of permanent removal of these late payments accounts. 3. An updated credit report reflecting these corrections. Failure to address this promptly will compel me to file complaints with the CFPB, FTC, and state attorney general. Please respond in writing within 30 days, as required by the FCRA. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX ss # XXXX It has come to my attention that negative items are being reported on my credit to XXXX , TransUnion , XXXX , and XXXX XXXX without my consent. 

Under FERPA, I have the right to control the disclosure of my education records, and this includes the right to prevent the disclosure of personally identifiable information without my consent. I believe that the reporting of negative items on my credit report falls under this protection, as it is impacting my ability to live a normal life. 

I kindly request that all reporting violations be ceased immediately, and that my education records be handled in accordance with the regulations set forth by FERPA. Thank you for your attention to this matter.
Product: Checking or savings account

An Authorize purchase was made on XXXX from my chime debit card. I contacted XXXX  there saying they cant refund an Ebt transaction after Ive already sent proof of it being taken from my debit ..Ive contact chime several times they denied a total of 3 disputes after Ive sent conversation between me and instacart also sent proof my cart history and conversations between me and XXXX  still not being refunded by either..they claim it was no fraud activity even after I order a new card they are failing to protect the customer and they dont care
Product: Credit reporting, credit repair services, or other personal consumer reports

This new complaint is in response to a recent one ending in XXXX against Clarity Services. Their response to me was robotic and made no sense whatsoever : " In response to this complaint, on XX/XX/XXXX, Clarity Services Clarity contacted the consumer to request the information necessary to assist with their concerns. On XX/XX/XXXX, Clarity contacted the consumer to assist with their concerns. On XX/XX/XXXX, Clarity received the information to verify the consumer. On that same day, Clarity processed their dispute request. As of XX/XX/XXXX, the consumer has not requested any further actions be taken with their file. '' I was and am disputing within CFPB 's platform. I already stated from the BEGINNING what my complaint and desired resolution was : an inquiry that's illegally reporting and needs to be deleted immediately! So what in the world were they talking about that " consumer has not requested any further actions be taken with their file ''??? That's not true. Moreover, I have no clue where this inquiry came from and Clarity responded to me with ZERO PROOF of where this rogue hard inquiry came from! The illegal inquiry was made by them on XX/XX/XXXX and needs to be deleted! It's unauthorized & not mine! My ID is attached!
Product: Debt collection

I was contacted by XXXX several dozen times and I repeatedly told them that that they had the wrong person and I did not provide any thing from them. They said a laptop was purchased by mme and that is not true. I have never bought a laptop nor was a laptop delivered to me. I believe that someone may have stolen my personal information to make this purchase. I explained this to the representatives on the phone and they threatened me and called from XXXX-XXXX somedays. I begged them to stop calling me and they continued to call and said they were going to file a lien on my home and my vehicle. I had to change my phone to to stop the harassment calls. They would not work with me and called me a liar when I said I did not make a purchase from their company. I eve. Made payments for something I did not buy so they would stop calling and not place liens on my possessions. They are cruel people and I believe they were scamming me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am the victim of fraud, the result of this fraud is 3 unauthorized accounts on my credit report that I did not authorize to be open, and did not apply for. I have filed the necessary legal documents under the FCRA 2009 605 ( b ) to request Experian to cease and desist all reporting of these fraudulent accounts. I have also been in contact with the Attorney Generals Office of California XXXX XXXX who I will be sharing correspondents with, along with XXXX XXXX my attorney. Again, please cease and desist all reporting of these fraudulent accounts as they were opened by this bank negligently, and fraudulently under fraudulent pretenses. The accounts are XXXX XXXX XXXX {$25000.00}, {$4000.00}, {$4000.00}. I have never opened any of these. 

XXXX has already ceased all reporting of these fraudulent accounts, I am asking Experian follow federal law and do the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for method of verification from this company on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX came back verified and XX/XX/XXXX I have not received a response back. In alignment with FCRA 609- Disclosure to consumers ( which they failed to do so ), FCRA 610-Condition and form of disclosure ( in which the proper identification was given ), FCRA 607- Compliance and Procedures accuracy of report ( they were shown proof that all three bureaus didnt have the same information ), and FCRA 611-Procedure in case of disputed accuracy which gives me the right to ask of reinvestigation of disputed info in which they never verified in the first place. This company have fail to follow FCRA guidelines which is in place to protect the consumers. I demand this this account be taken off expeditiously. Their inaccurate reporting has caused me not to obtain credit which has caused financial stress to me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

This an error please delete! This account was never verified XXXX XXXX  # XXXX. I never received any response back from Equifax I disputed this account over a year ago under 609,623, 611 FRCA. I am a business owner and I have had companies trying to invoice me accounts payable that I have never even entered in to a contract with them, with would make their claim fraudulent.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( BLOCK INC. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account not only vulnerable but unprotected as well. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) along with Regulation E. These actions has caused a significant amount of inconvenience and financial loss along with distress and XXXX. For this type of bad business, I would like to seek the appropriate redress for these violations.
Product: Debt collection

ZWICKER & ASSOCIATES, P.C. a debt collector is claiming inaccurately a debt i am not contracted with. 

I have sent letter certified mail with return receipt to ZWICKER & ASSOCIATES, P.C. to dispute the erroneous collection, There must be a contract between us. Contract Law supersedes all Federal and State Rules, Regulations and Statutes. 

If you they the XXXX in this matter, I need a copy of the contract between us to continue further communication. I do not give permission or consent by assent for them to enter as a third party to this alleged civil dispute, nor to issue letters of threat to my private property or person, including you reporting to various credit reporting entities. 

They have caused me severe harm and XXXX to me and my family!
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my XXXX XXXX  bill to XXXX with the agreement that it would not be sent to collections or reported on my credit report as a collection/chargeoff.
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. 

I told Equifax to reinvestigate these accounts : XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 1681i ( 5 ) they are supposed 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.

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Checking or savings account

Someone else used my account and they did something that now I have to pay for. They are making me pay XXXX! This is fraud and I being made to pay for this.
Product: Credit reporting or other personal consumer reports

This complaint is filed with the Consumer Financial Protection Bureau ( CFPB ) to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX credit reporting agency as well as Equifax and XXXX, block the following fraudulent information from my consumer credit report within 4 business days of receiving this complaint. 

The fraudulent accounts that I do not recognize and that were opened without my consent are as follows : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX Opened XXXX XXXXXX/XX/XXXX Additionally, the following hard inquiries have appeared on my credit report, which I do not recognize 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 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 None of these accounts , collections , or inquiries were opened , made, or initiated by me. They are the result of identity theft and fraud.

I have attached a list of the fraudulent inquiries in question, along with supporting documentation, pictures of my identification, including a copy of FTC Identity Theft Criminal Complaint # XXXX, as proof from the U.S. Federal Trade Commission that all of the above accounts and inquiries are indeed fraudulent. 

Thank you for your prompt attention to this matter.
Product: Debt collection

Calls multiple times a day. Cant give me any info. Wants {$600.00} over the phone.
Product: Mortgage

My name is XXXX XXXX, at first I was {$6000.00} behind in mortgage payments because it was supposed to be automatically debited from my account Selene finance LP but it was not. When I finally noticed I was behind on payments I made a call to the company and a representative from Selene told me I could make a payment of {$3000.00} and I was told by a representative I was able to send the {$3000.00} and the supervisor at Selene finance LP told me I could not send it and they needed the whole payment of {$6000.00} and this is the same supervisor who told me to do a loan modification but it was denied twice. They are now planning to foreclose on my home and I am now behind {$12000.00} in mortgage payments. Which all started because my next door neighbor XXXX XXXX XXXX ) who is a realtor broker refused to give me her insurance company information because her water heater bust which caused mold to my townhome. She would not take any responsibility for any of the damages. I had to sleep in my car an entire year while I was repairing my home myself. The money the I couldve been making payments towards my home on went to repairs on my home and my mortgage company did not help me with any of this process denying my loan modification twice i feel Selene finance Lp is discriminating towards me because I am a XXXX XXXX XXXX XXXX  citizen.
Product: Credit reporting or other personal consumer reports

I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$870.00}
Product: Mortgage

Freedom Mortgage company has not paid my hazard/home owners insurance from my escrow account. I have been in touch with two separate times the first being on XX/XX/2020 in which we have a 3 party call with the insurance company, XXXX, and Freedom mortgage to ensure all of the information between the parties was correct. The payment was due XX/XX/2020 and XXXX has yet to receive the payment as of today XX/XX/2020 so I spoke today, XX/XX/2020, with Freedom Mortgage and they stated the check was mailed yesterday however they can not provide a check number or anyway to prove the check has mailed. The person I spoke with at Freedom Mortgage dropped the call and transferred me to a survey. I have received a letter from XXXX stating that my insurance has been cancelled effective XX/XX/2020 however after speaking with XXXX there is a 14 day grace period. I really need Freedom Mortgage to pay the amount immediately as the funds exist in my escrow account within Freedom Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I noticed on my Experian credit report that I had a notification about a hard credit inquiry had been pulled on my credit by XXXX XXXX. I immediately called and tried to get a hold of XXXX to find out why. I do not have or have had an account with XXXX, and I have not applied for credit in any form recently. XXXX had no record of me as a customer, and they did not have an account in my name so they were not able to help me. I checked several times with XXXX credit applications to make sure that there wasn't an application in process, and they also had to record of anyone requesting credit with my ID or SS number. 

Learning this I initiated a credit freeze with the credit reporting agencies to prevent other accounts or inquiries being made without my requesting it. 

Details of the hard pull directly from my credit report : Inquirer Name : XXXX, Inquiry Date : XX/XX/2018 Business Type : XXXX Contact Information : XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

On XXXX XXXX I opened a checking and savings account with SunTrust Bank online.. I received all emails stating my new account was opened and ready to fund. I transferred money using my debit card from another financial institution, which was an option. I received my debit card a few days later and activated it. On XXXX XXXX I tried to use my card and it was declined. I tried to log into mobile banking and couldn't. I called my local branch and was informed that my account was being closed and to call the fraud department. When I called the fraud department I was told my account was frozen and being closed because I violated a policy but they didn't have exact details and I would receive a letter in the mail. I called again on XXXX XXXX and was told after 5 days I would receive my money in check form in 7-10 days. I called again on XXXX XXXX and was told I have to wait 15 days then receive my funds by check in an additional 7-10 days. Never once during this did i receive any communication from the bank that there was an issue.I have told them I need my money, i have tried to contact corporate and there doesn't seem to be a way to do that. After reading online reviews this seems to be a common practice of this bank. PLEASE HELP, I NEED MY MONEY!
Product: Vehicle loan or lease

I made a purchase of used XXXX XXXX, still under warranty, I was made to add Gap insurance and the APR is not the same as the intial contract, a retail installment contract that misrepresents itself, A Third Party is in fact, the lienholder.I did not make a deal with a third party and a copy of my signature has been used more than 5 times in this paperwork., I seek a legal remedy for this.Remove from my credit, it shows late payment and that's against the law, USC 1666b , no late payment, USC3123 All Debts are Prepaid and HJR-192, obligation of the President.I have over 14 inquiries on my credit, I only authorized 1.
Product: Mortgage

I received a letter on behalf of TCF national bank from an attorneys office XXXX XXXX regarding Loan Number XXXX for property address XXXX XXXX XXXX XXXX IL. XXXX. They are stating that if I do not pay the alleged amount of XXXX. this includes their attorney fees that they will begin foreclosure proceedings on my home.I am disputing TCF Banks claim that I owe them XXXX for a credit line I never was aware of or used. I never authorized this credit line, I believe the representative at TCF bank fraudulently took this credit line out in my name. The first time I became aware of this fraud was when I went to do a reversal mortgage and the attorney I saw for the reverse mortgage brought it to my attention. In between my health issues, I have gone to TCF on countless occasions over the past couple of years asking them to provide me with an explanation of where this money came from as I never took this money out, I never spent this money. TCF can not provide me with any documentation of where this credit line was in fact used who used it or how it was spent. I have complained to TCF many times and reported this fraud to the branch managers at several locations and each time they could provide me with no proof. They have also sent me to other branch locations per their direction to try and find out a solution or documentation about this matter. I have followed TCFS instructions to go to each branch they asked me to and documented who I spoke to all they did was give me the run around. They can not provide me with a signature on the back of the check they say they gave to me which they did not. I am asking that you help me they committed fraud against me and took advantage of my health conditions at the time and now I may lose my home
Product: Debt collection

On or about XX/XX/XXXX I received a email from TRS Recovery Services inc with a demand for XXXX. 

XX/XX/XXXX I mailed them ( tracking number XXXX ) with postal money order in the full amount of XXXX. 

According to the tracking information provided by the postal service the payment was received on XX/XX/XXXX. 

On or about XX/XX/XXXX I received a call from XXXX, A representative of the original creditor of XXXX  XXXX XXXX, ( XXXX ) XXXX, XXXX claimed I never paid the debt, he demanded I make payment with him.
Product: Credit card or prepaid card

They show me having a late payment on XX/XX/2019, however a representative was helping me set up auto pay and did not set it up correctly making my payment late. I did call and nothing was fixed on my credit report