23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/21 customer support told me they would send me a bank statement for XX/XX/21 transactions. Today I called customer support to verify info sent was sent. Because of pending investigation from a detective from the XXXX that needed specific detailed info of the transactions he told me he would have to resend info due to info sent did not include specific info. Because IC3 is involved with this pending XX/XX/XXXXcase. I informed FBI today of such conduct. They have said since CFPB refused to do the case thru customer support to file a dispute with them. Direct Express is the subject of matter.
Product: Credit reporting

Trans union is reporting a bankruptcy on my report, I called the court, the court does not report this information, not now not ever, trans-union received this information from a 3-party reporting agency, I request it be DELETED, ASAP.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate an incomplete credit information.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT 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.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account.

I demand that the allowing account be validated or DELETED from my TransUnion Credit Report immediately : 1. CREDIT COLLECTION SERVIC In addition, DELETE all non-account holding inquiries over 30 days old.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Debt collection

I attempted to cancel my XXXX XXXX membership today XX/XX/XXXX. I went to the gym and they told me I had to call XXXX. I did so and hey would not accept my cancelation and onXX/XX/XXXX they intend to charge me {$50.00} for a yearly membership. I am a senior citizen on a fixed income and can not afford to pay this charge ... ..I then called my XXXX Credit Card and they told me they can not refuse the request for payment. I have to let them pay the {$50.00} and then dispute it ... .Something is very wrong with this system.
Product: Vehicle loan or lease

This is my SEVENTH attempt to dispute an account on my credit report that is the result of IDENTITY THEFT. 

I have summited all the required documents including : 1 ) POLICE REPORT 2 ) IDENTITY THEFT REPORT 3 ) PROOF THAT I WAS UNDER FEDERAL CUSTODY 4 ) PROOF THAT I WAS RELEASED ON SUPERVISED RELEASE IN NEW YORK 5 ) PROOF THAT I WAS LIVING IN NEW YORK UNDER SUPERVISION UNTIL XX/XX/year> XXXX ) OTHER DOCUMENTS It is an impossibility that I had been able to open a credit card let alone buy a car or set up a business when I was in XXXX XXXX and then a XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 

My brother XXXX XXXX was living in XXXX XXXX and had access to my information since the day of my XXXX and all during my time in XXXX  and XXXX XXXX. He has admitted having stolen and used my identity and he is now on the run with a XXXX XXXX XXXX XXXX. 

There is NO way, no possibility that I could have access to getting credit, or even a regular phone while I was at the XXXX XXXX XXXX in XXXX, or XXXX XXXX and even while I was at the XXXX XXXX or supervised release without having to go through my XXXX XXXXXXXX. 

-- -- MY RESPONSE Thank you for responding but your investigations are completely incorrect. Yes I was " released '' on XXXX XXXX XXXX XXXX XXXX XXXX XXXX and moved to XXXX XXXX, where I lived in worked for the following two years. I did not go to California. 

Second of all, you attached a CONTRACT, well, that is the proof we need, that signature is NOT MINE, is FORGED, you can have a forensics team verify if. 

I already explained and submitted PROOF that I was released in New York. Where I lived in New York. And also that my brother XXXX XXXX was living in XXXX XXXX and he was the one using my IDENTITY to get loans and credit. 

I need then to hire an attorney because this is NOT right.
Product: Debt collection

AMSHER COLLECTIONS Services, did not verify information that was obtained or validation of account as requested from a letter that was sent to me on XX/XX/2018 from this collection agency 's attorney. The letter advised me that if I dispute these charges to notify them within 30 days. I did notify the attorney to state that this was inaccurate. Instead the collection item was placed on my credit report as of XX/XX/2018 ANYWAY. 

This caused tremendous damage to my credit report.
Product: Credit reporting or other personal consumer reports

Experian is not correctly reporting credit score it has been the same XXXX for entire year, last week a representative told me via telephone that she identified the problem at Experian and will correct and update credit score which would take XXXX hours to update. Today I checked credit score no update still XXXX, contacted Experian 3 times XXXX times automated response hung up call. The third call spoke to a human representative named XXXX she could not answer question why credit score has remained the same XXXX only at Experian and told me I needed to pay a credit XXXX to answer question. I replied " that is ridiculous '' so I asked to escalate to a Supervisor the XXXX XXXX XXXX number of call XXXX stated because " my membership is free '' ( due to XXXX Breach ) the XXXX XXXX does not update ) and if I had a paying membership the score would update daily ''. Again. I said " that is ridiculous ''. Therefore free memberships with Experian are not updated and customers credit scores lag and are stagnant because their memberships are free. Only " Paying Customers '' for credit reports and credit scores are updated at Experian. I no longer want Experian to have access to any information nor report or lack thereof regarding my credit information I will not do business with a credit reporting company that discriminates against customers and only paying memberships information is being reported. This needs to STOP, thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax and XXXX to remove unauthorized inquiries on numerous occasions, with the most recent time being XXXX/XXXX/XXXX. Both companies refuse to remove or even investigate the inquiries. I did not authorize the credit report inquiries for the following companies and I wish to have them removed as a hard inquiry on my record. I have attempted to contact those companies I could locate phone numbers for online but have been unsuccessful in reaching someone to help with this issue. 

XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX M XXXX XXXX/XXXX/XXXX Equifax : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX 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
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. ive personally been scammed XXXX though unauthorized transactions
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I registered access to a " XXXX '' account through my USAA Checking Account. I was attempting to buy football tickets to the 2018 XXXX XXXX that night, and the seller ( named XXXX XXXX ) told me to use this as a secure payment method. Since it was through USAA, I felt safe that this was a reliable method of payment that would be backed by the company. 

Once I sent the {$1000.00} through XXXX, I realized this was a scam and the individual was not going to send me the tickets. I immediately called USAA and asked them to stop the transfer, but they said it was " pending '' and that I would have to call again on Monday, XX/XX/XXXX to file a dispute. I again requested them to cancel it since it was still pending, which meant it hadn't been received by the scammer and providing me some hope that there was still time to recover the {$1000.00}. However USAA was adamant I would have to call back on Monday. 

I called back on XX/XX/2018 to file a dispute, as I had paid for a service or product that was never provided to me. I received an email today that stated " Based on the XXXX Terms of Service agreement, the sender is responsible for resolving any dispute with the recipient regarding payment for goods, or services '', and they closed my dispute without offering me any resolution.
Product: Mortgage

I've been in default with my loan servicing company, SN Servicing Corporation. Although a moratorium on foreclosures was effective in California as of XX/XX/2020, the loan servicer and foreclosure trustee, XXXX XXXX XXXX moved forward with a non-judicial foreclosure at XXXX in XX/XX/2020. The sale reverted back to the loan servicer and owner of the note, XXXX XXXX XXXXXXXX XXXX, as Trustee of the XXXX XXXX XXXX XXXX. 

SN Servicing breached the California governors executive orders of banning foreclosures as a foreclosure took place at XXXX in the morning. Now, the attorney representing the investor has filed for eviction against me. There is a moratorium prohibiting evictions in California until 90 days after the Governor 's general order has been lifted. However, they are breaching any and all agreements. 

I would like action from the CFPB to investigate the foreclosure sale and investigate the eviction practices.
Product: Debt collection

The referenced company in this complaint never contacted me by way of us mail, telephone, or email regarding this account. The referenced company should not have of my information on file and are reporting a debt on my consumer profile in error. I have contacted this company by phone and was told that they do not have my information on file.
Product: Credit card

I opened a XXXX XXXX jewelers credit card in XXXX XXXX that had a 0 % promotional APR for 12 months, and a credit limit of {$3500.00}. I charged the account to {$1000.00}. I did not receive any billing statements for months, and when I went to the retail store in question ( XXXX XXXX ) in XXXX XXXX, the employee there told me that I did not owe a payment, but that once I did, I would receive a statement in the mail. I received no statements in the mail. In XXXX XXXX I reviewed my credit report and saw that late payment information had been accumulating on this account since I opened it. I called the bank ( XXXX, in this case ), and they confirmed that all mailed statements had been returned to their office, and that I had not received them. I promptly made a {$300.00} payment on the account to bring it into good standing. They agreed to remove all the late fees that had accumulated. I then asked that they reinstate my original credit limit, and remove the derogatory payment info on my account, and they asked that I make this request in writing. I have done so, but am looking for support from the CFPB to ensure that I am treated fairly in this case, because I received my new statement recently, and noticed several issues : 1. The bank had removed late fees, but changed the promotional 0 % APR period to XXXX/XXXX/XXXX from XXXX/XXXX/XXXX, which they did not mention to me on the phone. The amount of {$170.00} was charged as interest for that month. 
2. The bank began charging late fees in XXXX XXXX, even after having received my monthly payment on time in XXXX, and waiving the late fees for previous months. 
3. The bank changed my payment due date from the XXXX of the month to the XXXX of the month, also without notifying me of that. 
4. Every time I attempt to have a phone conversation with the employees of this bank, I end up getting the runaround, being transferred to multiple departments, often times from XXXX department to the other back and forth repeatedly.
Product: Debt collection

Keep getting a phone call from an area code that is local to the number I have. They say that they have to talk to me about collecting I debt. I have no debts that would be calling this way. I have done research and this particular company is known to be shady, putting things on your credit and stealing money.
Product: Bank account or service

On my XXXX report and it 's a lot if inquires showing that I attempted to open up a numerous amount of checking accounts I 'm very upset because that 's false in, sure it happened when my wallet was stolen and I had a fraud alert put on y actual credit report so how could this had happened
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE BE ADVISED THIS IS MY FIRST WRITTEN REQUEST, The unverified items listed below remain on my credit report in violation? 
of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that the information is mine and is correct. In the Results of the first investigation,, you stated in writing that you " verified '' that these items are being reported " correctly '' Who verified these accounts? You have not sent me a copy of ANY original documentation required under Section 609 ( A ) ( 1 ) ( a ) and Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it .and under Section611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified ACCOUNTS : XXXX ( {$550.00} ) # XXXX, XXXX XXXX ( {$460.00} ) # XXXX, XXXX XXXX ( {$460.00} ) # XXXX, XXXX XXXX XXXX ( {$850.00} ) # XXXX INQUIRIES : XXXX  XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Called chase to ask for assistance. Won't enroll me in hardship program unless I'm employed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT XXXX : XXXX XXXXXXXX. 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 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: Mortgage

Hello, My self XXXX XXXX and XXXX XXXX, we were offered help from Wellsfargo and now they are adding and increasing our Balance on current mortgage, rather than supporting during covid they have added more balance on our mortgage. We only have one home and need in help. My Contact XXXX XXXX XXXX
Product: Debt collection

I got scammed by the company I worked for as a personal assistant. They asked me to make transfer from my credit card to cryptocurrency and they could reimburse this amount but all the transactions that they made had been returned or reversed. And now I have credit card debt because of company.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find an unauthorized inquiry on my credit report, and I have no idea how it got there. I check my report regularly, and everything was fine until now. I even refreshed my browser, hoping it was just a glitch, but the issue remained. This is extremely frustrating, and I need this matter resolved immediately by thoroughly reviewing the documents Ive submitted so I can stop worrying about this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Acct # XXXX Equifax inaccurate data XXXX as `` no data '' but also has reported date of XXXX How can the date be reported for this month yet be blank in the history? 

Equifax provides different company address than other reports. 

XXXX has inaccurate data for XXXX  and different than other reports. 

XXXX inaccurate data from XXXX present, no data and not reported at all. 

Company shows sold on XXXX butnot reflected by XXXX or Equifax.? Different addresses for company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I'm writing this to see if capital one and XXXX XXXX  can remove a missed Payment that occurred on XXXX of XXXX. At the time I was working as a XXXXXXXX XXXX XXXX XXXX. Due to covid at the time I was laid off and could not get another job because Maryland was on a emergency shut down. Any job deemed not essential was shut down so I was forced to switch job trade to XXXX  since it was one of the few job deemed essential. As soon I stared working I paid off my credit card balance and have not missed a payment since. I have tried many time to dispute the late payments online since the missed payment was due to a naturally declared disaster and many people was affected I could not do anything because of the shut down. Can capitol one please help me remove this blemish on my credit report, it has affected me by limiting my credit score and hindering me from getting loans for houses and a personal loans. I would like to see this missed payment removed. I hope you understand that the circumstance I was put under was out of my control at the time. Thank you so much for your understandin
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Transunion ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Transunion ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Transunion ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution 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. '' ( Transunion ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX  and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Money transfer, virtual currency, or money service

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

Furthermore, their dispute resolution proce? 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 or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding XXXX XXXX. Additionally, the XXXX XXXX XXXX XXXX XXXX furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX