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

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX account number 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, states that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Account Midland Credit Management, account number 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, states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

I recently pulled my credit report and noticed that a loan was there in my name for an Exeter Finance Company for {$3800.00} which I have never had after contacting the credit bureaus they gave me information on who was reporting this. I disputed the information and gave them my information and was asked for an FTC report for Identity theft which I filed on XXXX then I was asked for a Police report I sent it via certified mail and via email that report number XXXX they called me on XXXX telling me I was responsible for this debt per their investigation. they sent me copy of a contract with an address I have never lived at.
Product: Student loan

Im writing because I noticed FedLoan Servicing reported a few late payments from XX/XX/XXXX until XX/XX/XXXX of late payments on my credit report. I am requesting a goodwill adjustment to remove these late payments from my XXXX, XXXX  and XXXX  credit reports. Upon review of my records, I realize that I did indeed miss the payment deadline. Unfortunately, I was a recent graduate with no job at that time.
Product: Mortgage

I filed a complaint XX/XX/19 on Mr. Cooper home loan, nothing was resolved they still resend my checks if I miss one, and throws my account off on whatever day or date they want too, I looked over payment history and they forced another payment to come out because they where trying to foreclosure my home this company is horrible to the community and proud home owners I will report every day if I have to until it is resolved they, are bullies they think they can treat customers any way because of FHA LOAN put big envelopes on your door take pictures of ur house like they bout to sale it tomorrow, if I wasnt a single mom Id pack my things and move, they will not run me out of my mortgage, the paper work the sent over said nothing about how they resend checks if they bounce every week until it clears they dont talk about the harassment in the paper work either all it said was my agreements from cenlar, so nothing got accomplished
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$270.00} XXXX XXXXXXXX Balance : {$750.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filling 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 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: Payday loan, title loan, personal loan, or advance loan

I had applied for the kickoff credit but I never gave any money. You are not given money you have to load the card with your own money. I never used there service other than applying. They are reporting me as being late and reporting a charge off. There is XXXX balance so can't be late if there is nothing to pay so can't be late and can't charge off a XXXX balance
Product: Credit card

I recently received a notice from a collection agency that said I had an outstanding balance on my Macy 's Credit Card. I have not used this card for in over a year and have always paid the balance. When I contacted the company they informed me that they did not have the correct address or phone number for my account. Although the Collection Agency did not have any problem finding my address. I told them that I had move over 6 years prior. I have never received any notification from the company that there was a balance of $ XXXX was on my card since XXXX 2015. They now say I owe them {$250.00} in late fees and interest. They indicated that they never received the billings that were sent back. I did not receive any billing or I gladly would have paid the {$37.00} which I offered to do in my letter that was sent as a dispute. They denied my dispute and say I still owe them for a bill I never received. Citibank has not been reasonable in trying to resolve my issue.
Product: Debt collection

In 2022, I was informed that once my account was paid in full, the negative marks on my credit report would be deleted. However, despite fulfilling my payment obligations and submitting the necessary documentation to confirm this, the account is still being reported negatively. Additionally, XXXX XXXX  has been dishonest about the dates associated with my account, further complicating the matter.
Product: Credit card

XX/XX/XXXX purchased a sleep number bed using their store credit card underwritten by synchrony. The sales associate said that as long as I made my monthly payment, I would not be charged interest. Set the payment to automatic withdrawal from my bank. 
XX/XX/XXXX charged {$2600.00} for deferred interest. Did not receive notice of any kind that this was to be charged to my account. 
XX/XX/XXXX received email that I would be charged for printed statements unless I opted out. Logged into my account, saw the balance discrepancy and called synchrony. Communicated via chat to front line worker then supervisor then called synchrony. All refused to remove the exorbitant interest charge even I after I offered to pay off the balance I owed. They threatened me with more interest charges and late fees if I refused to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act MIDLAND CREDIT MANA

GMENT has violated my rights. 15 U.S.C 1681 section 602 A. states i have the right to privacy. - MIDLAND CREDIT MANAGMENT has sent physical correspondents regarding an owed debt. 3rd party 's viewed these documents. 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,
Product: Mortgage

Our Loans were sold 8 times, no one can provide information on fees, continued fees, servicing and all of the back story of how a loan and HELOC of XXXX Loan and XXXX HELOC ended up at XXXX ...... with fees and transfers and lost records from 2003 ......
Product: Credit card

I had a small business that failed. I had a company credit card that all employees used. It was my fault that employees took advantage of my business in this way by making liberal and unauthorized purchases on the credit card. But, this was a business credit card, not a personal credit card and Chase Bank is treating it as a personal debt when it was not a personal debt. I feel that if this will affect me personally, then the employees that used the credit cards should be affected personally also. 

After I sold the assets, the business paid or settled the remaining open debt balances. This business Chase credit card is being attached to my personal credit report even though I never signed a personal guaranty for the credit card. Chase Bank harassed and called me daily to pay the balance on the credit card back in 2020. Since it was affecting my personal ability to move on in life and have access to credit again, I offered Chase a settlement. I paid the amount we settled on personally and they were supposed to remove the record from my personal credit report. They have not done it and recently I was denied credit and this was a major reason for the rejection. This poor history on my personal credit report that should never have been reported there but to XXXX XXXX XXXX, is causing me harm in my personal life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of these accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$1600.00}
Product: Credit card or prepaid card

I recently learned there was credit card bill in he amount of {$460.00} for a capital one card. My report shows the account has been closed or debt sold. I have never had a capital one card before. The account was opened in XXXX 2021.
Product: Credit reporting or other personal consumer reports

After reviewing a copy of my personal credit report, I have came across a few inaccuracies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chance of owning a home, getting a vehicle with a low APR or even credit card. I was denied use of my credit recently that brought this to my attention. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 1. The balances are in flatted on accounts. 2. The date of the Last Activity are inaccurate. 3. The date Opened are inaccurate. 4. The Closed Date is incomplete on accounts. 5. The Dispute Status is incorrect. 6. The Payment History is incomplete and inaccurate. 7. date of birth is inaccurate. 

Account XXXX Account XXXX XXXX- XXXX Account XXXX XXXX XXXX- XXXX I was not notified properly of any negative reporting as outlined in the fcra Also I do not or have not done any business or have an open account with any of these people. XXXX  XX/XX/year> TransUnion Please take the time and consideration to remove the incorrect information from my credit report, within our economy struggling the way that it is, I can not afford to have inaccurate information negatively affecting my credit score. I will await an updated copy of my credit report to reflect these changes within thirty-day.
Product: Debt collection

This was not sent in error ako ay isang consumer by law at ang information XXXX XXXX XXXX misused at XXXX I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I, XXXX XXXX XXXX , contacted Wells Fargo Auto in writing through Certified Mail with out a return receipt, however I have not received the return receipt even though I have proof they received it on XX/XX/21 at XXXX. I sent my Cease and Desist Letter, Affidavit of Truth, Invoice and exhibits that are attached. I am contacting the CFPB due to them being in violation of 15 USC 1692c and 1681a ( b ). They reported my credit transactions, private information violating my privacy and have scored me making it detrimental to my life and caused defamation of character. I am seeking remedy under 15 USC 1692k. Also after them receiving my Cease and Desist letter, I was called contacted on XX/XX/21 at XXXX which is a violation of the FDCPA and the TCPA and 15 USC 1692c, and pursuant to 15 USC 1605 they are also in violation. I'm requesting an additional XXXX IN A CHECK for these violations that occurred afterwards. I have attached documents as proof. I Would Like your help in getting these matter addressed quickly. Please and Thank You.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  This CFPB complaint has been filed In pursuant of FCRA 605B ( 15 u.s.c. -1681C -2 ) that you experian reporting agency, block information appealeing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This is fraudulent, and inaccurate, and false information the accounts and information that appears related to the aforementioned personal accounts 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 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: Money transfer, virtual currency, or money service

On XXXX XXXX I did a bank to bank transfer. As soon as I did Chime said it wouldn't be available for XXXX days. The day it cam available my account was placed on hold for unusual activity. Chime has asked me to submit my drivers license, social security card, picture of the debit card, past 3 months bank statements, reciepts, bills. I have uploaded and submitted these documents every day at least 4 times every day and calling them at least twice a day. And its become a ridiculous, unnecessary, unprofessional cycle of a run around circus. I just want my money and an explaination.
Product: Credit card or prepaid card

On XX/XX/XXXX, my Chase account showed my payment submitted successfully. On XX/XX/XXXX, the payment was returned without my knowledge, and the lack of successful payment was not made known to me. On XX/XX/XXXX, my statement showed my account as past due and that I had a late fee and interest charges. 

On XX/XX/XXXX, I spoke with XXXX Chase representatives. The first notified me that my payment account " had no funds. '' This perplexed me, as my checking account had approximately XXXX  times as much as the total due. She notified me that she was able to reverse the late fee but not the interest charges. I accepted this, and looked again my payment activity. The payment scheduled was from an account that has never been associated with my Chase account, nor XXXX that I was familiar with. I called back and spoke with a supervisor who told me that the error was mine when I set up autopay and they could not refund the interest fees for any reason. 

I have attached payment documents which clearly show XXXX separate accounts being used, and in neither case did I do anything different. I have never been late on any payment.
Product: Vehicle loan or lease

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with ALLY FINCL and I tried contacting 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. Please re-investigate this account or simply remove this account PRONTO.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2018 I sent a certified letter to Transunion, asking for them to investigate items on my credit report. I got a letter saying it was verified in which i sent another certified letter asking for proof of signature and also how did they verified this account. I was sent a letter saying they where not going to investigate the items any longer.
Product: Credit card

On XX/XX/2024 I called Revvi Card to report my card lost I found out the card was not reported lost by the representative until XX/XX/2024 which delayed me getting a card by the XXXX or XXXX of XX/XX/2024 which I asked for it to be expedited and they charge me for that instead of making it right. As far as i know, when i as a customer report a card lost that card is supposed to get shut down and another one re-issued the same day or shipped which takes XXXX business days that did not happen Revvi did not shut down and put in lost status until XX/XX/XXXX XXXX days after i reported it lost over the phone
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 accounts which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$310.00} XXXX XXXXXXXX XXXX Balance Owed : {$440.00}
Product: Debt collection

I was sued by Midland funding on a debt that they purchased. The debt was charged off. They have a totally different amount than the charge off. They NEVER gave me Notice. After reaching out to them, plus number of times challenging through the credit bureaus I finally had them send me some documentation concerning the debt in question. I researched Midland and found that they filed suit on XX/XX/XXXX in XXXX XXXX and posted service to XXXX XXXX XXXX XXXX XXXX Virginia XXXX Please see Attachments : I have not lived at this location since XXXX. 

So for starters, this was a volitation of Federal law given the facts that in their possession from the documents they sent me shows Clearly that I lived at XXXX XXXX XXXX XXXX Virginia at the time from the creditor 's Statement balance of {XXXX} Which I may add is in XXXX XXXX XXXX  XXXX Virginia Not XXXX XXXX. Please see Attachments : As I mention those two facts shows they are in violation of Federal Law. 
In XXXX was was living in XXXX XXXX up to XXXX. I was living in Maryland from XXXX until XXXX and I did not get notice of none of this process from this company. 
However this company chose to Violated federal Law and my rights by posting a notice on an address that I have not live at since XXXX which was a convenience to them instead of following federal Law. 

They sued for {XXXX}, the account had a balance of {$670.00} on my credit it shows {XXXX}. Collection another violation of my rights with the wrong amounts. see Attachments : This company has refused to remove this off my credit and caused me to miss out on buying a house and brought my credit down.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with Fair Credit Reporting Act this creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights under 15 USC 1681 Section 602 states I have a right to privacy 15 USC 1681 Section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666ba creditor may not treat a payment on a credit card account un der and open end consumer credit plan as late for any purpose.
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 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 have informed me that recovering lost funds was impossible and that tracking these transactions would be infeasible. The CFPBS findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving us users vulnerable to scams. This 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX