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

i faxed the company two times from XXXX XXXX. on the fax machine i got a busy signal six times. however on my phone, i called the fax number, it was not busy. i then faxed from XXXX XXXX ( XXXX XXXX XXXX ) digital fax. i put in three pages on two cases, sent seperatly. they said they didnt get this either. the person who want the information from equifax is XXXX XXXX, they sent it out on their number XXXX XXXX XXXX too. i called them on XXXX XXXX from XXXX untilXXXX. both times i was on hold for all that time. no one answered and the calls were dropped. i had an id theft previously and equifax was guilty of it. your department helped me, but i knew nothing of a settlement, until it was too late. could this be why my calls are left unanswered. i want equifax written up on this and my discrepency reports resolved. XXXX XXXX of XXXX XXXX helped but no response from equiifax. please look into this.
Product: Credit reporting

The floor manager XXXX and XXXX call support staff on ( XXXX/XXXX/16 ) are XXXX stating that they are being given conflicting information by the XXXX XXXX XXXX XXXX because " XXXX XXXX will always show a record of the liens on my record '' while on the phone I placed a call to XXXX XXXX recording office and placed both XXXX and XXXX XXXX XXXX XXXX on the phone while having both XXXX then later XXXX to explain the " conflicting '' information. XXXX Experian employees where clearly told that because XXXX XXXX will forever show the liens it will also have a link that shows the liens where satisfied. Furthermore, XXXX XXXX was clear in stating to XXXX that Experian is the one that needs to vacate and remove these derogators from my credit report because they were satisfied and are no longer liabilities. XXXX refused to pass the call to a supervisor and when XXXX was finally placed on the line he refused to pass me to a manager to escalate this complaint so it can be removed immediately from my report. Also the letter received by the state of Oregon was not accepted as adequate information to remove the derogators from my credit report. Please help, it has been over 2 years fighting these derogators with no progress.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with BMW financial was reported late for the month of XX/XX/2019. This was my very last payment for my car loan. Before this late payment all previous payments was made 100 % on time. I contacted BMW to make payment arrangements for this payment. The representative assured me to make the payment by XXXX XXXX to avoid being late. I called in on XX/XX/2019 and made the total payment  of {$1400.00} per stated by BMW rep. Unfortunately, BMW still reported the payment late stating that it should have been made on XXXX XX/XX/2019. This have damaged my husband and I credit score horribly. I was only following the directions that I was given setting up the payment arrangements. I wrote BMW a letter explaining this. My credit report was updated to current shortly after but only with XXXX the other two credit bureau company 's was not. I contacted the other bureaus and was told that BMW refuse to update to current for the month of XXXX.
Product: Debt collection

I applied for a home equity line XXXX mortgage and at the end of 5 year I was hit with a balloon payment which I was not aware of when I applied and was not reviewed with me at signing.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 the recovering of lost funds were impossible and that tracking these transactions was unfeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scam. 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

I paid off an outstanding collections. The collections was removed but my credit score for TransUnion went down when my XXXX score went up.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 - {$3100.00} XXXX XXXX  XXXX XXXX - {$0.00} XXXX XXXX  - XXXX - {$31000.00} XXXX - XXXX - {$0.00} XXXX  XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX {$15.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 FTC Report Number : XXXX 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: Mortgage

Hello, I bought my house in XXXX XXXX. My initial mortgage payment was {$510.00}, which I paid for the year. In XXXX XXXX, I received a notice from my mortgage company that my mortgage payment leapt to {$640.00} per month ( apparently due to an escrow shortage. ) After numerous phone calls, I discovered that my mortgage company had charged me {$0.00} for the first year 's property taxes. 

This is extremely frustrating for me as I would n't have bought this house had I known that the mortgage payments would be so much higher than what I agreed to when I signed for my mortgage. 

Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an XXXX XXXX account from XXXX with account # XXXX that is not mine. There is currently a charged off balance of {$1900.00}. XXXX XXXX can not validate any information on this account. I mailed disputes to the credit bureau on the following dates to have this account deleted : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The credit bureau continues to respond saying that their reporting is accurate according to XXXX XXXX. This is where my problem starts and is also the reason I am submitting this complaint. On XXXX XXXX, I received a letter from XXXX XXXX requesting that I fill out an " Affidavit of Identity '' to investigate why this account is being reported to my credit. On XX/XX/XXXX, I signed all the required information and had my affidavit notarized by my local Notary Public in Texas. A couple of days ago, I finally received a response directly from XXXX XXXX telling me that they do not have an application or signed contract that validates this account belongs to me. This is a huge problem. For the past XXXX months, the credit bureau has been telling me the account is being reported accurately to my credit. IF this is true, then why ca n't XXXX XXXX provide me any validation for this account? This suggests to me that the credit bureau is not taking time to process my dispute properly and is taking the least absolute effort to help me find a solution for my issue. I have no knowledge of this XXXX XXXX account and according to the Fair Credit Reporting Act, if information can not be properly validated, it needs to be deleted immediately from my credit report.
Product: Checking or savings account

On XXXX, 2021, PNC bank locked my checking account and removed all my funds in it. They did it because they believed that there were some fraud XXXX XXXXransactions to my account. However, they did not provide me any other information, for example, the exact transaction that they believed was fraud. And when my bank account was closed, there were {$4400.00} in it. According to my own investigation and PNCs response, there were only {$1900.00} of all my funds was claimed, and the rest of them were not claimed by the sender. However, I have contacted PNC from the day my funds were locked till now, and they refused to return my funds without any documented reasons. I just hope to get my funds back since I know that not all the funds were claimed by the sender, and PNC has no right to hold and use my money for any actions.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Equifax Information Services LLC regarding an incorrect account balance. I provided supporting documentation, including Driver 's License, SS card and a bill. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputes and update or correct any inaccurate information within 30 days. However, despite my efforts, Equifax Information Services LLC has failed to make the necessary corrections. As a result, my credit score has been unfairly impacted, causing financial hardship, including denial of a loan, higher interest rates, difficulty obtaining housing, etc. ]. 

I request the CFPB to intervene and ensure that Equifax Information Services LLC complies with its legal obligations to investigate and correct my credit report.
Product: Mortgage

In XXXX, MA there was a Housing Grant XXXX XXXX One Mortgage that was income limit based. My Mortgage Loan Officer had me apply for one program, was overqualified, then applied for another program, uploaded all of the required documents in a timely manner, paid for home inspection, appraisal, to then be told, I was over the income limit. So I didn't close/ won't close as anticipated. Moved $ over from Retirement, not a lot, but will have to address any tax penalties.

So the loan officer couldn't tell me that before that I was over the limit? Before I paid {$890.00} for inspection & more than {$400.00} for an appraisal, on a house I won't obtain or acquire. What a reckless waste of time & my hard earned $ and time. 

Is there no recourse for me as a first time home buyer?
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX  XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Checking or savings account

I have been unable to access our online business banking account with Truist since XX/XX/22. Today is Tuesday XX/XX/22. I was told, after waiting over an hour on hold, that it would take 3-5 business days possibly longer due to the recent merger, to resolve the issue. I need to be able to access these accounts in order to run our business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Exparian XXXX  and XXXX  was sent a ftc report on XX/XX/21!! All 3 bureaus have ignored my ftc report requesting fraudulent information be blocked from my report. Ive a victim of identity theft! All fraudulent accounts was listed on my ftc report. I also sent proof of address and identity. The following accounts are 1.XXXX XXXX XXXX  2.XXXX XXXX 3.XXXX  XXXX  3.XXXX  XXXX XXXX 4.XXXX. 
Its also a number of fraudulent inquiries listed on my ftc report also. 
per fcra 605b all fraudulent items must be blocked within 4 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate this account : 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 suppose 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: Debt collection

Calling, several times a day and night. Calls going to voicemail for couple of minutes of silence. When call back no one will answer.
Product: Credit reporting or other personal consumer reports

I am disputing several items on my credit reports, as I believe they are the result of identity theft. Fraudulent accounts were opened in my name with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX totaling over {$XXXX}. These accounts, along with associated inquiries from XXXX XXXX, XXXX XXXX, and XXXX, were opened without my knowledge or consent, impacting my credit score. The earliest fraudulent account dates back to XX/XX/XXXX, and I discovered these items in XX/XX/XXXX. I have filed an FTC Identity Theft Affidavit ( Report XXXX. XXXX ) and request removal of these items from my reports with all three credit bureaus.
Product: Debt collection

Approx 4 months ago, I noticed a ding on my credit score through XXXX. I pulled up an apparent debt of {$670.00}. On my report the original creditor was Indiana XXXX XXXX XXXX XXXX located in a town about 30 miles east of where I live. I knew immediately this was false since I only see doctors at the VA or through XXXX XXXX. Also the only place I have been for emergency care is through XXXX XXXX in my town. Initially, I attempted to dispute the debt through XXXX  however, the debt was not removed. I then called the billing office for Indiana XXXX XXXX and they stated they have nothing on file for me even using my old last name and my current. I then called the collection agency who told me the debt was sent back to the main creditor Cascade Capital. I had to google them and the only information I saw on the collection agency based out of California were numerous complaints of Cascade Capital doing to others what they have done to me. The XXXX has over 60 complaints of similar stories also. I could find no phone number for this agency and no website. Eventually, I came across a file ( I will include said file ) stating Cascade Capitol lost their business license as of XX/XX/21. I just want this so called debt removed from my credit report and right now, I have no way of doing so. Not to mention this is a false debt. 
PS-I was unable to upload anything, the upload tab is not working! I do have copies I wanted to include.
Product: Checking or savings account

On XXXX XXXX XXXX, someone withdrew money from ATMs in XXXX Georgia from my Wells Fargo checking account. Then proceeded to go inside and take more money out of my checking and savings. I told my girlfriend to go to the bank and tell them to stop this because its not me. They said they couldnt do it because I had to be there because it was my card being used. We sat down with a fraud specialist and made a claim. They closed our accounts and open new ones and I got a new debit card they credited the money back into the account in the 7 to 10 business days then on XXXX XXXX XXXX I received a letter saying they did their investigation and based on that the charges were made by me or somebody that had my permission and they would be taking the {$2200.00} back out of my account on XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Name : ( private ), Social Security Number : ( Private ), Date of Birth : ( Private ) This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 collection account opened at Eastern Account System on XX/XX/XXXX under the account number ( private ) with a balance of $ ( private ). A collection account opened at XXXX XXXX XXXX opened on XX/XX/XXXX under the account number ( private ) with a balance of $ ( private ). A collection account opened at XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of $ ( private ). A personal loan account opened at XXXX on XX/XX/XXXX under the account number ( private ), with a balance of $ ( private ). These accounts have resulted in several fraudulent accounts and collections appearing on my consumer FICO credit report. I've attached a list of accounts in question as well as a copy of the consumer FICO credit report which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts and collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections 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 and collections are the result of identity theft and fraud.
Product: Checking or savings account

Cashier 's check deposited from a settlement being held for over a week with no warning. Very little recourse or interaction. They will screw the customer to make {$5.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

These names, addresses, and employment do not belong on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I contacted the credit card company because I noticed a balance for a discover card I never applied for was on my credit I talk to an agent and was told they would look into the problem and I never heard anything.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress For These violation
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, and Georgia Fair Business Practice Act ( O.C.G.A. 10-1-390 ) a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and Georgia Fair Business Practice Act ( O.C.G.A. 10-1-390 ) remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/, I was trying to buy an XXXX pocketknife on-line. I found the knife at https : XXXX for a great price. I ordered it and the site shifted me to PayPal to complete the transaction. I clicked through the menus to approve the transaction. At the end though, PayPal informed me I had signed up for an automatic payment which recurred every 2 days. I immediately canceled the " subscription '' but PayPal had already transferred {$96.00}, Transaction ID XXXX. 
I filed a complaint on XX/XX/XXXX, Case ID : XXXX, that the charge wasn't authorized and was a scam. PayPal rejected my claim and closed the dispute since " After our review, we found that certain transactions weren't unauthorized and hence couldn't be covered by PayPal Purchase Protection. '' They will no longer allow me to dispute or make a claim against this charge and refer me to the " seller '' for a refund. I have attempted to contact the seller on XX/XX/XXXX, XXXX, XX/XX/XXXX and the XXXX, but have received no response. I can only assume it is a scam, since it sells a subscription on a website claiming to sell consumer goods.