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

The credit bureaus stated account name and account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was properly investigation, but how is that possible? If the open date is inaccurate, the date less active isnt accurate and the end date last report it is not accurate. This is grounds for removal. They also are violating my rights under 15 U.S.C 1681 section 604A section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

I havent given these accounts written permission to furnish these accounts on my credit report as well.

They are also in violation of 15 U.S.C 1681 section 602A states I have the right to privacy. 

Another violation they are infringing upon is : 15 U.S.C 1692C ( C ) : that law clearly states If a consumer notifies a debt collector that the consumer refuse to pay a debt the debt collector must cease all communications 15 U.S.C 1692B Section 5 : States, not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

The credit reporting agencies are reporting that I owe student loans when I in fact have a zero balance. I have tried to update the information several times to no avail. This is a violation of my consumer and needs to be updated to zero balance immediately. 

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage Company 's offering credit have not set standard. I have tried 3 different companies and Each can use there own standard regardless of what is in the 3 major credit agencies. Example : Trans Union may have you at XXXX ... the lending agency under there report has you at a XXXX ... Big difference when applying for a loan and the rate the loans get... it wrong and stop good people for qualifying for affordable homes.
Product: Debt collection

While I was in near XXXX, Minnesota on Tuesday XX/XX/2019, I was awoken by a call from American Education Services at XXXX XXXX local time.I contacted the company via the same number they called from, XXXX and asked to speak to them regarding the matter. I was informed they had no record of a call at this time but had one from later in the morning, closer to XXXX.
Product: Student loan

I called multiple times to have a graduated repayment plan started. I thought that it had been started when I received a statement the next month for the full amount. I called again a few weeks ago and was told that everything was all set in the system again and I was put on the graduated repayment plan. No such luck. I just received the latest monthly statement with the full amount due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a credit card settlement payment to synchrony bank/technet between XX/XX/19 and XX/XX/19 in the amount of {$540.00} which cleared my account on XX/XX/19. XXXX XXXX is still reporting this item as delinquent on my credit report and continuously makes harassing phone calls and sends harassing letters saying I still owe the debt and stating that the settlement payment I made was just a payment on the account which is completely false. I've asked them several times to review the recording of the phone call I made to them between XX/XX/19 and XX/XX/19 in which I was advised by the representative that the payment I was making, was a settlement payment. I will not be paying on a debt that I already settled and would like for them to stop calling and emailing me and sending me letters stating I owe a debt that I do not and to stop reporting this debt as delinquent on my credit report as its negatively affecting my credit score.
Product: Debt collection

With correspondence dated XX/XX/2015 ( see attached copy of letter XXXX, Midland received my request for validation for an erroneous account I had found them reporting on my credit report. They failed to respond to my request with any sort of validation and have continued to report the account on my credit report. This is a flagrant violation of the FDCPA.
Product: Money transfer, virtual currency, or money service

On several occasions over the years in which Ive had Cash App via Block incI have had fraudulent activity on my account for thousands of dollars over the years.

There are no actual human beings to speak to you have to continually file disputes via a text system. You never get any information and if you lose money, you just lose money. Theres absolutely nothing you can do about it.

This is against all CFPA and EFTA laws. Regulation E.

Countless requests have been put in and still I can go through my account and random charges are just coming out {$33.00}, {$110.00} sometimes {$80.00} and none of the accounts that are pulling this money out or traceable when you try and inquire about whats going on You can only attempt for a chat conversation, but that never follows through. And this continues to happen year over a year.

The other issue is you are trapped because you can not actually cancel your account. Even if you delete it from the app, your information is still there and still able to be expand by Internet thieves so you were actually stuck.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I have marked inaccurate and would like to be removed. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to report an incident of identity theft where an individual fraudulently used my personal information to obtain an apartment lease in my name. The fraudulent activity has resulted in negative consequences for my credit and has caused significant distress. This was not authorized by me, and I was unaware of this activity until I reviewed my credit report, which reflected the lease as an open account in my name. 
The fraudulent lease was handled by Hunter Warfield, the collections agency assigned to the apartment complex. Upon realizing that this account was a result of identity theft, I made multiple attempts to contact Hunter Warfield to dispute the charge and seek resolution. I contacted them via phone on XXXX XXXX, and I clearly explained that I had not signed the lease and that my identity had been stolen. 
Despite my attempts to resolve this matter, Hunter Warfield has consistently refused to acknowledge the situation or remove the fraudulent account from my records. They have failed to provide any form of assistance or verification to substantiate their claim that I am responsible for the lease, nor have they taken any steps to investigate the identity theft. 
I am requesting that the CFPB investigate this issue to help resolve the fraudulent lease account. The refusal by Hunter Warfield to cooperate has left me with no other recourse, and my credit is being negatively impacted by an account that I did not open or authorize. 

I am hopeful that with your assistance, I can resolve this issue and prevent any further harm to my credit and financial well-being.
Product: Debt collection

The vehicle I had in connection with this company was wrecked and totaled out in XXXX. Between my insurance and the gap insurance on this car, all debts were settled and a check was issued to me. That was the end of my dealings with this company. In XX/XX/XXXX, Autotrakk contacted me about a remaining balance. I asked them for the documents that proved this debt and was put on a long hold before they came back on the line and told me they couldnt find the paperwork that showed this debt being owed. That same day, I notified my attorney. Within 2 business days, my attorney sent out a letter to Autotrakk for them to verify the debt. There was never any response to that letter. Now today, XX/XX/XXXX, Autotrakk is calling again still claiming that I owe them money and still not able to produce the documents that verify the debt. 
The representative is claiming that this debt is being reported on my credit. I will be disputing that debt TODAY.
Product: Credit reporting 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 XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Checking or savings account

Hello, I always use XXXX to transfer money between my XXXX  bank accounts. XXXX and BMO Harris. This particular time i used XXXX  XXXX  to tranfer money to BMO Harris. I transferred XXXX dollars from XXXX  XXXX  to BMO harris because BMO harris ATM was closer to me at the time. I waitied until i seen the funds avaliable and i went to get the funds from the BMO ATM. Fast forward a couple weeks and BMO is telling me my acct is over drawn by XXXX which i dont understand cause i had the funds, i checked before i took it out. XXXX  XXXX  is telling me funds were taken from my account and provided me the transaction number and everything but BMO was telling me they have no documentation of me transferring the money only taking it out. I went back and forth between the two banks for months and got nowhere. Now BMO harris sent my info to collections and closed my account and now i am in XXXX XXXX for something i had no controll over. I can not open accounts because of this. 

Also BMO harris owes me money because i had another acct being deposited into the acct and what they said i owe was being payed down so my balance went from XXXX to XXXX by time i knew anything and they sent it to collection and they knew i was fighting this and they still sent me off Transaction number to this amount transferred was XXXX This was provided to me by XXXXXXXX XXXX Thanks
Product: Credit card

On XX/XX/2024 I reach out to my bank to let them know I was going to XXXX and had made a payment for {$330.00} on XX/XX/2024 - I then made a payment {$1100.00} - To increase my available balance ahead of my trip. The phone call was made under my account and someone deleted the log of my conversation from the banker saying the credit should show in XXXX hours. ( XXXX XXXX  XX/XX/2024 ) - In addition, I called again on XX/XX/2024 - ( XXXX XXXX ) - The banker new person tells me there is a hold on my account it takes XXXX days to clear- but for you it will XXXX  days. My available credit as of today is still {$1100.00}. When it should be {$2100.00} - this particular banker could not state this as the other banker did on the deleted recorded phone call. I believe the bank is illegally holding on consumer funds longer than needed to for funny accounting purposes when extrapolated across millions of accounts. This is not the first time I have had issue with wellsfargo, but given the money has clearly been withdrawn from internal account. I can only assume some form of retaliation or courtesy is not being applied to my accounts. Wells Fargo is delaying the application of payment for XXXX  days and said this was automatically applied. My issue is on XX/XX/2024 when speaking to the banker he was clear in the need to have the available credit given I was traveling to XXXX on XXXX of XXXX. The case was escalated to a level XXXX employee and he informed me it takes XXXX days but would take XXXX  days for me. This is not at all the customer service experience needed given the bank can easily apply the payment given then statement shows received and only using XXXX  % of XXXX balance with available credit of {$1100.00}. Often times this happens I pay the full card off not realizing that they have received the payment for credit card balance. In addition, I pay my credit card off every month. Given the nature of international travel, deleted records, I am forced to file a complaint to elucidate the retention of customer cash assets to paid the banks ability to earn interest on funds that should be directly applied to my credit card in real time upon receipt. This is not complex but very fraudulent way to business retaining customer received funds and not applying them to the correct account. The funds have left the external payor account XX/XX/XXXX showing Electronic withdrawal XXXX XXXX. In addition, if XXXX is XXXX  why are my payments being held for XXXX  days when the documents show XXXX XXXX days. The bank could have released the payment to give me full access to my available credit.
Product: Debt collection

I agreed to settle the amount owed with XXXX with their collection agency. The amount I paid was supposed to reflect on my credit report as PAID IN FULL. I disputed this with XXXX and XXXX fails to acknowledge the settlement and update the status on all three credit bureaus : XXXX, XXXX, and XXXX. I want this to be removed from my credit report as agreed upon and will provide supporting documentation for this payment and agreement.
Product: Mortgage

To Whom it May Concern : This is the 10th time I am disputing and pleading for correction on my mortgage account. Shellpoint is not taking the initiative to complete my review for my escrow account. referencing XXXX Escrow account. Shellpoint Mortgage servicing fail to complete an escrow analysis within 60 days of the loan transfer. Shellpoint mortgage fore placed insurance onto my property wrongfully and so as XXXX XXXX XXXX  which is the original lender of this mortgage. I have called and spoke with numerous customer service representative who assured me that all has been taken care of. based on the last escrow analysis, the analysis came back {$38.00} short. I went onto their website to make this payment only to find out the system would not accept my payment due to fees owed of {$220.00}. I have never heard of this fee and have no idea what this fee is even for. I have not had ANY late payments with shell point mortgage. why am i being treated like this? is it because my home has equity position? why are there multiple moving parts to my mortgage loan when I don't own and isn't behind on any payments? please remove the fees of {$220.00} and update my mortgage account according.
Product: Checking or savings account

On XX/XX/2022, I transferred {$1400.00} through XXXX on Chase app to a stranger`s XXXX account XXXX, because this recipient friended me through a second-hand-stuff deal group on XXXX and claimed to exchange currency with me, but the recipient didn`t send the money back. The scammer blocked me and I only know his XXXX account, which is very easy for XXXX and Chase bank to investigate. The transfer status showed " Pending '' on Chase app for 24 hours and it was debited from my checking account. I called Chase 4 hours before the pending ends and I trusted the bank to be able to define the transfer as unauthorized transfer according to Regulation E, and the assistant said he would freeze my transfer and investigate the recipient. On XX/XX/2022, I received the bank statement and found that the bank didn`t freeze my transfer and he only froze my online access for 10 days. I called the Chase again, then another assistant said Chase wouldn`t do anything or investigate the recipient only because XXXX was a real-time transfer tool. I required Chase to investigate the recipient and provide the recipient information to the police and this requirement was not replied properly in that phone call.
Product: Money transfer, virtual currency, or money service

XX/XX/19 I transferred {$30.00} to a vendor to make a purchase. The vendor did not provide the item as discussed and blocked all communication. I reached out to XXXX to cancel, reverse and refund my transaction. I explain that the vendor was committing fraud via their platform.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX, NM XXXX XXXX XXXX Date : XX/XX/year> To : LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request to Update Public Records with Phone Number Dear LexisNexis Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, NM XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account CAPITAL ONE BANK USA XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that CAPITAL ONE BANK USA was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Checking or savings account

My Name XXXX XXXX i am HOlding my Business checking account in BANK OF AMERICA.. They always doing wrong with me last time take out double payments every month name of my credit card when CFPB is involved then they did something otherwise No.. my ACCOUNT NUMBER is XXXX ..a/c Name XXXX XXXX XXXX nAME OF progressive XXXX XXXX XXXX take out payments i don't have any relation with progressive insurance i went to 5 branch business bankers last 2 months no anyone listen to me no anyone help me i need my money back Even i called many time bank department XXXX XXXX no anyone help me txn.. amount XXXX {$650.00} XXXX {$160.00} XXXX more txn XXXX i am very upset with this bank my PHONE NUMBER ARE XXXX ... XXXX XXXX
Product: Credit card or prepaid card

I applied for a Citibank XXXX XXXX credit card several months ago. 

I never received the card, and after three calls asking for new plastic, and still not receiving the card I tried to cancel the card.

Today I got a statement via email several months after the cancellation call. They never cancelled the card - and it's still showing as active despite assurances the card was cancelled.

It seems I'm 4/4 out of attempts to try and work with CitiBank to get this card closed but the reps constantly manipulate me away from closing the card or flat out lie about actions taken on the card. I've had it with Citi and don't want to do business with them anymore.
Product: Mortgage

Can I get check images for check numbers XXXX, XXXX, XXXX, XXXX, XXXX and XXXX? The dates should be on the PDF I've attached. 

Again you're communicating with XXXX XXXX not XXXX XXXX.
Product: Checking or savings account

To who it may concern, My name is XXXX XXXX. This is my second complaint. I made a purchase of {$500.00} on XX/XX/24. I followed the size chart they have and received clothes that did not fit. I then decided to purchase a shipping label from them. I shipped the clothes via USPS on XX/XX/XXXX. I still have not received my refund. I filed a dispute with Wells Fargo on XX/XX/XXXX and called on XX/XX/XXXX for an update and was told I had no dispute rights. This is completely unfair I am now not in possession of my money or of the clothes.
Product: Credit reporting

EQUIFAX has been reporting hard inquiries from XXXX on my credit report, I wrote to XXXX, they responded they did not inquire. EQUIFAX still not removing THREE hard inquiries from this vendor and I need them removed as it is affecting my score. I am also disputing TWO hard inquries from EQUIFAX XXXX, when I called them they did NOT request my credit report and I never authorized these vendors to pull my credit. I need all 5 inquiries removed from my credit file with EQUIFAX, can you help me???? See Letter I finally got from XXXX but EQUIFAX has done nothing to resolve error.