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

According to the fair credit reporting act 15 USC 1681 SECTION 602, The consumer reporting agencies are to insure the reporting with grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies and I the consumer. My right to make assure my information isn't shared which is aided by 15 USC 6801, that it is policy of the Congress that financial institutions have an affirmation and continuing obligation to respect the privacy of its customers and to protect the security of those consumers nonpublic personal information. ( Furnishing of information to credit agencies ). 15 USC 1681 section 604 a section 2, In accordance with written instructions the consumer reporting agencies may furnish a consumer report. XXXX and XXXX do not have my written consent to furnish this report. any and all verbal, nonverbal, written or otherwise, consent to XXXX and XXXX have been revoked. 15 USC 6802 ( A ) ( B ), Financial institutions may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnishing of information to credit agencies ). I was never informed of my right to exercise my nondisclosure options. 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies may not make any adverse reporting other than reporting of conviction of crimes which antedates seven years. This account is an adverse item they are reporting without my permission which is against the law. 15 USC 1681S-2 ( a ) ( 1 ), A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate. 15USC 1681E, All consumer reporting agencies shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7, A consumer may exercise the right to opt out, I am opting out of the reporting services. 

Any other information other than provided below is inaccurate and to be removed. 
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

1 ) wells Fargo sold my home when they said I was under review I had XXXX set of copies I sent the XXXX set via XXXX they told me they did n't received all the paperwork I also had to fax missing documents then I was told there was deadline but I never received any letter for the deadline and I never received notice of the date for sale date, the bank set up mediations while I was in active bankracty the note on my home on public record said superior mortage it was n't until after I was served that my note was changed, I was being charged 14 % an adjustable rate when I ask for a hamp modification I get adjustable arm with the last payment being XXXX so it was adjustable arm with a balloon payment at the end that suppose to help homeowner, I was had force insurance put on my home when I had insurances but I later found out class action suit because they were doing it to all there clients I believe this is fraud foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX I did go here to look at a car but backed out of car deal and still they ran my name to many times XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I never in my life asked for a credit card thru XXXX NEVER XXXX XX/XX/XXXX refuses to take any action!! Once Again didnt know they was running my name 10 times XXXX XXXX XX/XX/XXXX didnt ask for this to be ran either 2 XXXX  XXXX credit cards XXXX XX/XX/XXXX I did not file for a card they XXXX XXXX ever!!!! 
XXXX XXXX XXXX XX/XX/XXXX did not ask for this to be ran either!!! 
XXXX XXXX XX/XX/XXXX didnt take action even tho I didnt apply for this at all! Never applied for this company says nothing can be done!!! 
XXXX XX/XX/XXXX refused to remove even tho I did apply for this card either!!! 
Santander XX/XX/XXXX twice didnt ask at all to be ran either all these are on my XXXX and some on my XXXX please help me with these! I worked hard to get my credit up and then I see all this and been trying for months to get help with removing all this off of my credit
Product: Debt collection

XX/XX/XXXX first filed for collection XX/XX/XXXX judgement awarded XX/XX/XXXX order to appear XX/XX/XXXX hearing scheduled Debt collection company trying to sue for debt older than statue of limitations in the state of Kansas.
Product: Debt collection

Wells Fargo is allowing someone named XXXX XXXX, whom I do not know and to whom I have not given permission, to use my telephone number for some type of Wells Fargo service. Wells Fargo has called my telephone number on multiple occasions, despite my repeated demands that they cease and desist from doing so. 

I have no business relationship whatsoever with Wells Fargo, and I owe Wells Fargo nothing.
Product: Debt collection

They are spoofing numbers and calling me repeatedly about my ex wifes vehicle. I believe they are either working for United Auto Credit or they are a debt collector who bought the debt. Ive given them her number and even told them where she parks the car but they continue to harass me. They also call from other numbers and leave me voicemails at XXXX  every night. 

I have received the following call and voicemail from XXXX ( XXXX ) XXXX every night at XXXX for months. 

Transcription : Hello this is United auto credit and we need to speak with you today we are open between the hours of XXXX XXXX XXXX XXXX XXXX central standard time Monday through Friday and from XXXX XXXX XXXX XXXX XXXX central standard time on XXXX  please give us a call at XXXX thank you When they call they will repeatedly call from different numbers every couple of minutes so that even if I block one number my phone continues to ring. I have repeatedly asked them to stop calling me because I cant help them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter off on XX/XX/2022 to remove address that is inaccurate and don't want in my credit report. no action has been taken. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. the address is included in the attach document that I filed with identity theft.gov. 

Moreover, I also request those inquiries below to be deleted since they are unknown to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX
Product: Credit card or prepaid card

1. I have not had access to over {$15000.00} of my own funds since XX/XX/XXXX. I reported a fraudulent charge at that time, and US Bank put a security hold on my account. I tried for months to get the hold removed, and finally it was removed in XX/XX/XXXX after I filed a complaint. Since then, I have called twice to request a card so I can access my funds. US Bank claims they mailed me a card twice, most recently on XX/XX/XXXX, yet I received nothing. All my other mail comes with no issues. Clearly, they are just not mailing the card. I believe it is their intention to deny me access to my funds. 

2. The original fraudulent charge from XX/XX/XXXX was never investigated by US Bank. I filed a dispute in XXXX, and US Bank quickly closed it without investigating. I called back, and they said they needed a police report. I sent the police report, once by fax, once by mail. Still they have done nothing. The charge is still on my account.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX # XXXX - BALANCE {$670.00} Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Midland Funding LLC is claiming that I owe {$540.00} for an XXXX account that does not belong to me. Im a victim of identify theft and have taken the necessary steps in order to clear my name. I was told that the account is now with Encore XXXX XXXX  XXXX XXXX who filed a lawsuit against. 

I was never notified of said lawsuit or presented with proof that shows the account belongs to me.
Product: Credit reporting

XXXX XXXX account application XXXXspelling wrong first name " XXXX '' address apt # wrong " XXXX '' hit my fido score on my credit report XX/XX/2015 sent letter XX/XX/2015 no reply. have never applied or contacted this bank. please help me!!!!
Product: Payday loan, title loan, or personal loan

I was out of job for 2 years because I was hurt. On XX/XX/2018 I went to Speedy cash and I took a payday loan in the amount of {$960.00}. I was desperate and I did not wanted to become homeless. I went there and they did not explained to me what I was signing. I have been paying {$210.00} on XXXX of the month since XX/XX/2018. I saw in the app that on XXXX first I have to pay {$1200.00}. There is no way I will be able to come with that money. The payments I have been making in XX/XX/XXXX total XXXX and while I understand businesses need to make a profit, I dont understand why I have been charged so much interest. I want to honor my commitment but it is so much money.
Product: Credit reporting or other personal consumer reports

I am at a loss of words. My credit reputation is being tarnished by these errors on my credit report which are misreported. Experian is reporting these records in violation of the FCRA.
Product: Vehicle loan or lease

Had an account with wells fargo auto loan. I purchased a used car for {$6000.00} and I finished paying the auto loan for {$21000.00}. I believe that Wells fargo charged me interest that I didnt agree to on the contract.
Product: Student loan

i have submitted to them all documentation of the Federal Student Aid telling me the loan has been Forgiven. i have given them documentation of XXXX XXXX Showing loan paid in full. i have sat on the phone for hours speaking to both Mohela and Federal Student aid. on the Federal Student aid website i submitted a complaint attaching all documentation. They closed my complaint stating resolved. the loan is still duplicated and going up with interest. mohela said they would close the loan once Federal student aid sends them a letter. No one is helping me at all. both XXXX XXXX  and Mohela are listed on my Federal Student Aid account. its plain to see its duplicated. they will not fix this error. my loan was through XXXX. then i consolidated the loan to XXXX XXXX. when XXXX lost the Lawsuit. our Federal Loans were Forgiven. XXXX XXXX took over the loan and has record subsidized loans paid in full. then Mohela came along and duplicated the loan demanding payment. Paid the personal loans off. i Need help.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Checking or savings account

Online banking access has been disabled to review complete records of the account
Product: Credit card

I went to Best Buy to look at a new TV, and the salesman convinced me to sign up for the Best Buy Credit Card, which, if I bought a {$1200.00} TV, would be interest free for 24 months. I just found out that because I did n't pay the complete interest free balance before the 24 month date ( which why would I, it 's interest free! ) I got charged {$1000.00} in interest. Out of the blue. Put the card way over the limit, and embarrassed me IN THE BEST BUY where I was trying to purchase XXXX gifts. They are refusing to reverse the charges, saying the 'interest-free period ' was actually a 'deferred interest period '. None of which was explained in the store - had it been, I 'd of paid for the TV with cash or put it on another card. This is fraud, and it 's just plain wrong. Why offer this to consumers when it 's just a bait and switch? I feel betrayed and embarrassed. I never want to go back to Best Buy again.
Product: Credit reporting or other personal consumer reports

Im making this report because i have already filed with my local police department and i need this taken care of because the account on my report is not mines.
Product: Mortgage

My income is very unpredictable, so I try and make as many advance payments as I can to prepare for when things get tight. My loan was just bought by Nationstar several months ago, I I have yet been able to make a single payment. They keep reversing my payment because they say I 'm paid too fare in advance. Every time I call them I get a different answer. They stated that they refuse to take an advance payment from me. I have never had a problem with any other mortgage company I have had. I 'm so scared I might lose my house, because next year I may not make the kind of money I 'm making now. Please help me force them to accept my payments. They keep reversing them and putting them to the principal, even though that is not what I specifically designated the payment to go to. I have called numerous times, and they do not seem to care. I just want them to accept my advance payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681. TransUnion, XXXX, and XXXX is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give TransUnion, XXXX, and XXXX written permission to furnish these accounts. 











XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX Inquired on XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Type Individual Requested On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Type Individual Requested On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Type Individual Requested On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Type Individual Requested On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Type Individual Requested On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Type Individual Requested On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Type Individual Requested On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries in the Last 3 Months : Requested on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested On Phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested by XXXX XXXX XXXX XXXX XXXX Closures in the Last Month : Requested on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Type Individual Requested On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Type Individual Requested On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Type Individual Requested On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Type Individual Requested On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

I'm currently reviewing my current credit bureau reporting, and records show an inquiry from XXXXXX/XX/XXXX Wayfair  on XXXX/XXXXXX/XX/XXXX. I have not applied for a XXXX XX/XX/XXXX card or Wayfair card. Evidently the information matches because It's on my credit report, however, I did not submit this request.
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX # XXXX, Account name XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, 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.
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 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 Regulations. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$200.00} XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly that I am 30 plus days past due on the XXXX partial account number XXXX. ( Please see pages 18 and 19 of the attached credit report. ) I was not 30 days late on my payment. I called the credit card company on the 28th day when I realized that I forgot to make this payment. I paid the credit card balance off in full on that day when I spoke to the representative. The representative removed the late fee since it was in fact, NOT 30 days late, however Equifax has not removed and/or updated my credit report. This incorrect reporting is harming my credit score. XXXX and XXXX are reporting correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX please remove fraudulent/ unauthorized inquiry from my report or provide proof in writing within 30 days.
Product: Checking or savings account

On XX/XX/ I reviewed my latest bank account statement. In the process of reviewing my account statement noticed 3 ATM withdrawals that were not made by me ( at least to the best of my knowledge ). A total of {$1500.00} were withdrawn on 3 separate days .... XXXX ) {$500.00} withdrawn on XX/XX/XXXX  .... XXXX ) Another {$500.00} withdrawn on XX/XX/XXXX, XXXX. XXXX ) a third withdrawal was completed on XX/XX/XXXX  for the amount of {$500.00}. I notified Chase Bank who investigated. Chase informed me that the withdrawals were may by me. I asked for evidence and I was told that they not collect this type of evidence. I believe that Chase either owes {$1500.00} or evidence that supports their investigation. In general, I do not make ATM withdrawals of more than {$300.00} at one time.
Product: Money transfer, virtual currency, or money service

I am the real XXXX XXXX you paid XXXX for my money I am very sorry I didn't think it's right I demand my money call me back at XXXX my email is XXXX but it's hacked account I just got out of XXXX in XXXX XXXX Florida I have proof of this I got a violation of probation for not being able to pay for my restitution on a crime I didn't commit