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

Identity theft and improper use of my credit and information.I have no knowledge of none of these hard inquiries, it wasnt done by me and I never gave any consent to use my credit information From these companies : XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Sold an item on Paypal in person, Buyer paid in full using Paypal account and release funding immediately because of in-person sale, Paypal is holding funding and refusing to release funds for 21 days I've contacted them over the phone over 5 days ago that stated they would release funds but still on hold. I've called them today which their system says they are open on weekends till XXXX XXXX, but the call is disconnected saying call back Monday-Friday when they message saying hours of operation also on Saturday and Sunday.
Product: Debt collection

This amount is not owed as I could not be evicted for non payment of rent during the CDC State of Texas oder rent relief program due to Covid 19 I also don't have a contract with R S Clark I have asked for verification of debt which has not been provided by RS Clark and all methods used to verify this debt by RS Clark as this being accurate before they placed this on my credit report ... my last four of ss # is XXXX XXXX XXXX XXXX COMPANY IS RS CLARK And ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Credit reporting or other personal consumer reports

Please see attached documents. Do not close this complaint stating it is not me. I am a natural p2erson and a consumer.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credit. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions
Product: Credit reporting or other personal consumer reports

I was a victim of ID theft. I filed a local police report and a report with the FTC and followed their notification procedures. I notified XXXX and they have not provided documents that I'm legally entitled to as a victim of ID theft. They will not settle the dispute with the credit bureaus and they refuse further contact with me or to provide me with all the information on the application when the loan was taken out, including : bank account and routing number, pics/registration/title of vehicle used as collateral PLATE and VIN numbers, drivers license, proof of income.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX I have the right to demand and see the contract between XXXX XXXX XXXX and myself! Please send the proper validation
Product: Checking or savings account

Wells Fargo continues to authorize debit charges on my account when there are not sufficient funds then charges me overdraft fees. I did not request for any overdraft protection. I bank with several other institutions and they do not authorize charges when the funds are not available. I called and spoke with Wells Fargo practice and they claimed this is what they do. They " assume '' the funds will be added to the account and therefore allow the charges to be authorized. This does n't make any sense whatsoever. In fact, they are not even consistent with this practice as some of the charges were not authorized at all ( attached bill - usually paid from my WF account but was n't authorized ). I feel these practices are unfair and WF attempt of making a profit by authorizing debit charges especially on transactions that are less than the {$35.00} overdraft fee I 'm being charged. These practices need to stop.
Product: Debt collection

Recently ( around XX/XX/2022 ), I got a credit card XXXX XXXX  ) statement from First National Bank of Omaha ( account # : xxxx xxxx xxxx XXXX, balance : {$28000.00} ). Actually, it is not my card, I never applied this card, and I never know anything about it. It is a Fraudulent Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts and inquiries on my credit report that I didn't apply for.
Product: Credit reporting or other personal consumer reports

I just received my new credit report for XXXX and I found quite few auto Account XXXX Inquiries on my credit file that wasn't authorized by me. 

This is the list of them. 

XXXX XXXX XXXX XX/XX/2022, AMERICAN CREDIT ACCE XX/XX/2022 I had to do it over again, complaint forms again with this same problem on another account because CFPB complaints didn't go through on my other CFPB account because of a system glitch technical difficulty. I'm not here to play mind games with you people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tuesday XX/XX/2019 Two weeks ago I filed an application to obtain my free annual credit report from the three credit reporting bureaus and included my driver 's license, social security card, banking statement, and insurance statement. I received a letter from XXXX on XX/XX/2019 instructing me to file these same documents again and that I could use the online filing method at XXXX, which I did. They asked for verification documents and the Report # which was on the letter they sent me. After logging in and trying to view my credit report, when I pulled it up it is just a blank page. When I went back to XXXX and tried to view my free credit report request from XXXX  it said I already received my report which is not true. I have just recently been released from federal prison after serving 10 years and am finding out that loans, school loans, home equity loans and more have been done in my name during my XXXX   and am trying to obtain my credit report because that is the first step in figuring out what I will need to do to make sure my credit report is accurate. These credit bureau websites are not helpful, nor when I call the numbers will they let me speak to a live human being to explainmy situation.
Product: Debt collection

I am submitting this complaint about XXXX XXXX. The company representatives ARE RUDE AND UNPROFESSIONAL. They contacted me about a debt from an old apartment community where I worked and lived. They never explained the debt break down and have added interest on the debt and it is negatively affecting my credit score every single month. I am currently trying to purchase a home and I am unable to move forward in the process. This company has failed at communicating with me to resolve this issue. The original balance has now increased by {$1500.00}. This is a balance from XX/XX/2016.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I transferred {$2400.00} via XXXX through Wells Fargo to a contractor ( XXXX XXXX ) for home repairs. The contractor failed to perform the agreed-upon work and subsequently became unresponsive. After multiple follow-up attempts, I discovered I had been misled and the service was never rendered as promised. 

I disputed the charge through Wells Fargo, but the bank denied my request, stating that Zelle transfers are treated like cash and are not covered under fraud protections. However, this misrepresents the consumer rights provided under Regulation E ( 12 CFR Part 1005 ), which covers unauthorized electronic fund transfers and errorsincluding payments for services not rendered when induced by deception. Multiple precedents and CFPB guidance recognize that consumers who are misled into transferring funds for services never received may be protected under Reg E. Furthermore,
Wells Fargos position conflicts with CFPB guidance issued in XX/XX/XXXX and subsequent enforcement actions which reaffirm that banks must investigate and resolve disputes related to electronic transfers fairly and in good faith.

Wells Fargos blanket refusal to acknowledge potential fraud, investigate the circumstances, or offer remediation shows a disregard for regulatory compliance. I am requesting CFPB review and intervention to reopen my dispute and ensure fair treatment and accountability per consumer protection laws.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am reaching out to formally address Experian ongoing failure to correct inaccurate information regarding late payments on my credit report for my XXXX account ( Account Number XXXX ). Despite my repeated attempts to rectify this issue, including documented requests sent on XXXX  no action has been taken to amend the errors. This negligence directly violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) and continues to harm my credit standing. 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. Despite multiple disputes, the erroneous reporting remains uncorrected. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness, impacting my ability to maintain favorable financial terms.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. In this case, the improper late payment notation suggests that timely statements were not provided as required. 
The following discrepancies were noted on my Experian report and other major credit bureaus : XXXX : Shows a XXXX late payment in XXXX and XXXX, and a XXXX late payment in XXXX, despite consistent on-time payments. 
Experian : Similarly, reflects a XXXX late payment in XXXX and XXXX, and a XXXX late in XXXX. 
XXXX : Reports XXXX late payments in XXXX and XXXX, and a XXXX late payment in XXXX. 
Nothing has changed despite XXXX previous disputes with Experian and the original creditor, and this continued misreporting has led to unnecessary harm to my XXXX XXXX and financial reliability. 
Desired Resolution : I request the immediate removal of the inaccurate late payment notations from my Experian credit report. Additionally, please provide written confirmation of this correction. Failure to address this matter promptly XXXX result in further escalation, including potential legal action and the filing of additional complaints with relevant regulatory bodies. 
Thank you for your immediate attention to this matter. I trust that you will handle this issue with the urgency it requires. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Plenty of Issues.. my information is being solicited to put damages on my credit
Product: Debt collection

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. XXXX XXXX XXXX XXXX XXXX Acct # 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 : 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. 
Company MUST provide signed agreement between I XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXXXXXX You claim the Debt is valid although you have not shown proof and you only provide hearse information
Product: Credit card

I sent a letter certified mail disputing XXXX charges on my Apple credit card. The tracking for the letter was XXXX, it was received in XXXX. The bank never investigated my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

We attempted on XXXX separate occasions both on our own and using the company 's customer service to book a flight that was offered on their website using points and it would go through and then get cancelled. After XXXX different phone calls of at least an hour each we informed Citi that we would be purchasing the exact flight offered using cash and would expect Citi to credit our account with the dollar value of the points and then deduct the points from our account. They have refused to do this and recently offered us {$500.00} instead of the full amount of {$1200.00}. This is false advertising of the miles reward program.
Product: Credit reporting or other personal consumer reports

ATTN : DISPUTE/CLIENT RESOLUTION XXXX The below accounts are preventing me from obtaining employment and they are totally not correct, and I want these accounts deleted immediately. 


XXXX XXXX15 USC 1681e ( b ) collections must be XXXX % accurate across all XXXX  bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX { XXXX. XXXX. XX/XX/year> }, you may be liable for your willful non-compliance. Failing that, the items must be deleted from the report as soon as possible. 

XXXX XXXX XXXX XXXX XXXX ( b XXXX collections must be XXXX  % accurate across all XXXX  bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX { XXXX. XXXX. XX/XX/year> }, you may be liable for your willful non-compliance. Failing that, the items must be deleted from the report as soon as possible. 

XXXX XXXX15 USC 1681e ( b ) collections must be XXXX  % accurate across all XXXX  bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX { XXXX. XXXX. XX/XX/year> }, you may be liable for your willful non-compliance. Failing that, the items must be deleted from the report as soon as possible. 

XXXX XXXX15 USC 1681e ( b ) collections must be XXXX  % accurate across all XXXX bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX { XXXX. XXXX. XX/XX/year> }, you may be liable for your willful non-compliance. Failing that, the items must be deleted from the report as soon as possible. 

Provision of Dispute Results to Consumer : - After completing an investigation, credit bureaus must provide the consumer with a written notice of the results, including a revised credit report if any changes were made. Additionally, they must provide a description of the procedure used to determine the accuracy and completeness of the disputed information if requested by the consumer.
Product: Credit reporting or other personal consumer reports

**Subject : Complaint Against Experian, XXXX XXXX XXXX XXXX CFPB and Identity Theft Report** To Whom It May Concern, I am submitting a formal complaint against Experian through the Consumer Financial Protection Bureau ( CFPB ). Additionally, I have filed an identity theft report with the Federal Trade Commission ( FTC ) to address issues surrounding my credit report and unauthorized disclosures of personal information.

**Background Details : ** - **Account Number : ** XXXX - Over the years, I have made numerous attempts to correct inaccuracies on my credit report. This includes submitting updated information via letters dated XX/XX/XXXX, and XX/XX/XXXX, as well as making multiple phone calls to Experian to ensure my information is current and accurate. 
- Despite these efforts, my credit report continues to show incorrect details, including an address I have not lived at for years. 

**Identity Theft Report Filed : ** I have completed an identity theft report with the Federal Trade Commission XXXX FTC ) to address potential unauthorized activities associated with my personal information. 

**Specific Concerns : ** 1. **Disclosures Without Permission : ** I have spoken with my lenders, including XXXX XXXX, advising them that they did not have my permission to disclose late payment information, as this is not public knowledge. These disclosures are in direct violation of 15 U.S.C. 6802, which requires my consent before sharing non-public personal information.

2. **XXXX  Loan Reporting : ** I have contacted the Department of Education requesting the removal of my student loans from my credit report, as this information is severely damaging to my financial stability. 

**Impact on My Life : ** I am a mother of XXXX, and the inaccurate and damaging information on my credit report has caused significant hardship : - I have been declined rental opportunities for apartments near my childrens school due to my credit history and debt-to-income ratio. 
- As a result, I currently drive four hours daily to get my children to and from school, which has caused me physical and mental strain, including XXXX. 
- My poor credit report has led to multiple credit denials, further limiting my ability to provide for my family. 

**Request for Resolution : ** I am seeking immediate assistance to correct my credit report, remove inaccurate information, and address the violations of federal laws related to the handling and disclosure of my personal and financial information. The continued inaccuracies and unauthorized disclosures are significantly impacting my life and wellbeing. 

Please assist me in resolving this matter promptly. 

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

My name is XXXX XXXX, my date of birth is XX/XX/XXXX. ssn is XXXX. There are fraudulent accounts on my credit report which I do not recognize. I discovered the accounts after pulling my credit report in early XXXX. I was advised to submit an identity theft report. I filed my report with the Federal Trade Commission ( reference # XXXX ) and submitted it to Experian on XX/XX/XXXX. Experian opened the dispute on XX/XX/XXXX and did not block the fraudulent items from reporting. The accounts are under a regular 30 day investigation which is a VIOLATION of my rights within the FCRA section 605B which states that the consumer reporting agency is required to block the fraudulent items within 4 days and then notify the furnishers that the information was blocked, BUT THEY HAVE NOT! I am filing this complaint against Experian for not complying with Federal regulations within the FCRA ( 15 USC 1681c-2 ). Experian is liable to me for compensation as shown in section 1681n, 15th chapter of FCRA. I will be filing a lawsuit if the fraudulent accounts are not removed within 15 days of this complaint. I have attached the original documentation that I have submitted to Experian including my FTC report and proof of my identity.
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 unprotect. 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX of XX/XX/2018, per the FCRA Law, I asked Advanced Resolutions Services Inc. for evidence within FCRA that the bankruptcy they are reporting was mine. They have responded by saying that they spoke to someone at the bankruptcy office. I asked for who they spoke to as well at the court and they have not answered. 

As you can see by the attachments, the courts do not report or speak with anyone regarding any cases. 

Advanced Resolution Services Inc. didn't respond to my first letter which is a violation and there only response did not answer my question of who did they speak to at the court. They even listed the wrong name of the court. AND they still have not provided me with the proper evidence according to FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Goldman sachs is erroneously reporting my account as settled for less than the amount due. This is false as shown in my statements attached. This has damaged my credit. Furthermore, after closing my account a week ago they have refused to give me a reason for closing the account.
Product: Credit card

I have attached the letter i forwarded to Capital one and it collection attorney XXXX XXXX XXXX XXXX