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

XXXX and Transunion are reporting incorrectly that I am 60 days past due on XXXX XXXX partial account number XXXX. ( Please see page 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 an account without my written instruction.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account 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 does not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My father informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I started to investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown, suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX/XXXX XXXX {$470.00} XXXX XXXX  XXXX {$7200.00} XXXX XXXX   XXXX {$2000.00}
Product: Debt collection

When I pulled my consumer report, I seen that Collection Management SE reported numerous items in the total amount of {$15000.00}. As a federally protected consumer, I am aware of the rights that the organization has violated. I have never had a contract agreement with this organization and I challenge Collection Management SE to provide such agreement under penalty of perjury. Failure to provide such agreement is a violation of my rights a consumer.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I have written letters to the four credit bureaus, XXXX, Equifax, XXXX, and XXXX, on XX/XX/year>, to correct my address, name, and other personal identification information such as my employment details that are inaccurate on my credit report as mandated by the Fair Credit Reporting Act ( FCRA ). Despite providing evidence of my identification and address, they have not made the necessary corrections.
Product: Money transfer, virtual currency, or money service

I am formally writing to express my concerns regrading zelle handling 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 was impossible and that tracking these transactions was infeasible. The CFPBs finding indicate that zelle not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. Tye lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

Discovercard refused to verify me so I could activate my new card instead they used their trust and safety, department claiming that I need a phone number that is part of public record which is complete nonsense and none of the credit card companies have ever done this with requiring a phone number to be public record. 

Theres plenty of documentation to verify the consumer if Discovercard truly wanted to but they chose to give me the run around and it took countless calls and complaining about The lack of service provided to me. I dont appreciate people purposely impeding on my civil/financial rights to access credit. 

I had to threaten Discovercard with legal complaints just to get them to at least wan na verify me as a consumer this is clearly blatant discrimination and harassment. Incredibly XXXX illustration of denying women credit and men dictating and deciding if a woman should have credit or not- please note the decision was already made clearly I qualified for the card but now they dont want me to use it- its fine this is another example of performance and facts that dont matter it is the whims of egotistical men and their idiotic ideas- happy my credit is good and my payments are on none of that matters to Discover its about denying access.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX I contacted, again by phone, XXXX XXXX XXXX XXXX asking them to remove the collection they posted XXXX  to the credit reporting agencies. Told them I had been promised the debt would be removed and would be given a letter to solidify the payment made XXXX. After, the rep said there was nothing they could do and that it was the law to report. Then even after mentioning fcra 15 u.s.c 1681a, 2, a1 ; 6801 ; 6802 in brief, I was still lied to about the removal of the account. 
They have differing addresses and names... 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, MA XXXX ( XXXX ) XXXX The second company, Chrysler Capital, I called in on XXXX XXXX XXXX  about removing the late payments, ( which differ between the three credit reporting agencies ), that were reported for the year of XXXX. After explaining that I was told the late payments would be removed because a new contract was being made, ( because the old contract had expired, but notice wasn't given by any communication, yet I was still making payments until something odd online triggered me to call in ), I was informed that it was the law that they had to report it. And after speaking with a supervisor, explaining in brief fcra 15 u.s.c 1681a, 2, a1 ; 6801 ; 6802, that I was trying to resolve the issue by phone... I was meet with an " I'm sorry, there's nothing we can do ''.
Product: Mortgage

We have been trying to resolve my Home equity line of credit for over 2 years now, and J.P. Morgan chase has done nothing but delay process and give me no type of resolution options of than paying the Loan back in full. 
the loan amount was for {$100000.00} and the only option they did recently give me is a Modification for 480 months paying {$380.00} which comes out to {$180000.00}. 
My household between my husband and myself is with SSI, and we are negative on a monthly basis. I already filed a Bankruptcy which at the time included this Line of credit but now I am being haunted by having to pay this and more to Chase. They already hold my first mortgage and now the Line of credit is being pursued for payment. 
I have borrowed money to try and settle the account with them but they keep declining the offers, please help me stay in my home, we are not well and can not handle the piracy tactics that chase is using against us. 
During my Bankruptcy from XX/XX/XXXX through XX/XX/XXXX I was still paying chase {$830.00} monthly which totaled {$50000.00}, Where has that money been applied to???
Product: Credit reporting, credit repair services, or other personal consumer reports

Saturday night I got a email stating a Lender had checked my credit. I reached out to my lender and asked if they pulled my credit under a name CBNA and he said they have not ran my credit yet and does not know who this company is. My identity was compromised last year so Im not sure what this is all about. I need this to be removed from my account!
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX, XXXX # XXXX -BALANCE {$3300.00} Unauthorized inquiries XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX XXXX, XXXX University and/or its representative falsely certified eligibility to receive XXXX XXXX funds on my behalf by forging my information. I have never taken out a XXXX XXXX XXXX or signed off on a Promissory Note to provide monies to XXXX University. 

XXXX : The original loan servicer, sent to me thru the Consumer Financial Protection Bureau on XX/XX/XXXX a response letter stating that the XXXX XXXX loan was placed with XXXX  on XX/XX/XXXX and on that date the loan became in deferment. Please see the attached letter. 

However, after a request of validation of the XXXX XXXX to XXXX University, the current US Department of Education loan servicer provided a Promissory Note from XXXX University, alleging that the XXXX XXXX was signed and became effective XX/XX/XXXX. In addition I would like to point out that the Promissory does not include my signature. Please see attached. 

Attached is also the XXXX XXXX XXXX  Year Summary, that I received from the XXXX XXXX, XXXX XXXX on XX/XX/XXXX. The summary clearly states, XXXX XXXX XXXX {$0.00}. 

I also have dated correspondence from XXXX University in several failed attempts from XXXX University to get my signature for a XXXX XXXX that I did not request, need or sign. This information is being provided to the XXXX XXXX Ombudsman Group. 

I am requesting that XXXX and XXXX University remove all of the late payment of XXXX and XXXX  days from my credit report with the Credit Bureaus immediately. 

I am also requesting that XXXX and XXXX University have XXXX remove any and all collections from my credit report and remove reported XXXX XXXX loans from the US Department of Education. IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed online and via mail multiple times for deletion of an account that is negative history and has been on my report for more than 7 years. The account keeps coming back verified, but the first date of delinquency isXX/XX/XXXX, which is way past the 7 year timeline reporting frame. Shows paid as agreed but has a negative remark in comments about redeemed/reinstated repossession. I am not sure how this keeps getting verified accurate when the delinquency is more than 8 years old and a clear violation. This account closed in XX/XX/XXXX as well. Please see attached old credit report that has account history from XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this item with TransUnion becase i can not identify this item in the amount of XXXX and have had problems with someone useing my ssi # in the pass i requested a contract or a binding legal document and they did not provide me with either document but say that this item is accurate the investigation id # with TransUnion is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in reference is my XXXX XXXX XXXX XXXX Account ending XXXX and it has several discrepancies across all the bureaus. 

Issue 1 : Date of last payment [ XXXX shows XXXX XX/XX/2022, Experian shows no date, XXXX shows XXXX XX/XX/2022 ] Issue 2 : Account numbers differ ( see attachement ) Issue XXXX : Last reported balance [ Experian shows {$1100.00}, XXXX shows {$1200.00} ] Issue 4 : Account status [ XXXX shows charged off, Experian shows closed, XXXX shows charged off ] According to U.S. Code 1681i for the Treatment of inaccurate or Unverifiable Information, in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Checking or savings account

On XX/XX/XXXX, I went to the Navy Federal ATM located at XXXXXXXX XXXX  XXXX XXXX, XXXX to deposited an amount of {$980.00}. After accepting the cash, the ATM tried to open and close about 3-4 times, each time trying to spit a {$20.00} dollar bill which comes out half way and goes back into the ATM. I stood there watching what was going on with the ATM until it closed finally. During all this clicking sound an amount of {$980.00} was shown on the screen for a brief second as having deposited. After standing idle and watching the abnormal functioning of the ATM close to ~30-45 seconds, the ATM closed finally and a receipt came out showing a XXXX Amount Deposited ( See receipt attached ). Without moving away from the ATM machine, I called NAVY federal office to report the incident and I was assured of an investigation within 10 days. 

On Tuesday XX/XX/XXXX, I called NAVY federal to check on the status of my claim only to be told that the said claim was denied ( See Denial letter attached ). I called to speak with two different managers but each of them did not provide any help but reechoed the decision of their investigation. I was told to expect a contact from a Branch manager that evening on XX/XX/XXXX but I'm yet to be contacted. 

Please I would like your office to assist in resolving this matter as there are multiple ways to substantiate the authenticity of my claim and not just by the physical cash in their ATM on that day. 

Thanks for your cooperation. 

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

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SS NUMBER ENDING IN XXXX
Product: Debt collection

I started service with XXXX  XXXX in XXXX, XXXX  ( Cellular phone and Internet ). The payments were to be debited from my debit card. The Cellular phone service was around {$34.00} and Internet $ 50sh.I have records of monthly debits from my bank for {$83.00} from XXXX. A week ago, I received a notice of collection from a company from XXXX call CBE and they want me to pay {$690.00}, which was owed on my cellular account. I called them and explained that the debt was not valid. It is still on my Credit Report. I also asked XXXX to validate the Collections and they came back with VALID. 

I called XXXX and inquired about the Collection. They told me I AM NOT IN COLLECTION and I also agree to pay them whatever was owed to close the account using my XXXX XXXX and I have a receipt. CBE 's address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX and phone number : ( XXXX ) XXXX. XXXX  contact : XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
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 vylnerable and unprotected.

Furthermore, their dispute resolution proces~ 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 ( 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 violations.
Product: Credit card

I called Aspire they said they were raising interest rates to 36 % even though I have never missed or been late with a payment and had no balance. I asked for a reason why they were doing this and their answer was because they were allowed by the government. I requested they close my account, I was told I would have to call back on the following Monday to do so, which I did. I requested if reporting to credit bureau that they state at custommers request due to high interest rates.
Product: Mortgage

I closed on my home on XX/XX/XXXX and immediately my mortgage was transferred to PHH mortgage. My XXXX XXXX taxes were to be paid immediately, due by the end of XX/XX/XXXX. This was necessary to record the Deed and Deed of Trust. 

PHH did not pay the taxes through XXXX, at which point I contacted them by phone. I explained the issue and was directed to send the bill to the tax department, which I did immediately. Each month after XXXX, interest was accrued on the bill. I received no resolution or response for XXXX weeks, at which point I contacted PHH again. I was told the request was still in the system, and it would be " escalated. '' I sent the bill to another PHH email address as well during this conversation. 

XXXX more weeks and no resolution or contact, so I said I would submit a complaint if not paid by the end of that week XX/XX/XXXX. I received a call from an escalation manager at XXXX XXXX  on Friday XX/XX/XXXX. I called him back XXXX minutes later XXXX  times and no answer. It's almost like they are messing with me on purpose. 

It is currently XX/XX/XXXX and the tax disbursement was just posted on their account, but in the wrong amount. They paid {$4400.00}, which would've been the amount due in XXXX. The penalty to pay in XXXX is an increase to {$4500.00}, clearly stated on the bill and in my discussions over the phone. 

So, I have to continue chasing them to pay the interest. In all this, I never received a response to any email I sent, and no timeline was ever given for a resolution even though I asked for it specifically. Their nonaction put my deed in danger, and without me taking action, may have put my property at risk for an eventual lien. And their lack of communication is negligent.
Product: Debt collection

I have recently written XXXX XXXX disputing this debt of {$2000.00} for a JCP card that is on my credit file. I am a victim of identity theft dating back to 10 years ago. Ive explained this to the synchrony bank and have a police report for this crime. I was told that the credit is mine and the account was sold to XXXX XXXX. Account was open XX/XX/2009!!!!!
Product: Debt collection

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, WA. XXXX. XXXX. Uses XXXX and XXXX to call my number XXXX twice a day in search of XXXX or XXXX XXXX with regard to a XXXX XXXX XXXX XXXX Debt or Utilities Debt. I do not know nor ever have known any person by the name of XXXX, XXXX or XXXX. My publicly listed phone number was assigned to my by XXXX about 3 years ago. Convergent refuses to verify my number and or search else ware for their debtors. The persistent and unwanted calls have continued for 2 years no matter how many complaints I file.