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

I was trying to file a dispute online on experian.com and adding a consumer statement but each time it prompted me to call their customer service department. When I called in I wanted to speak with a representative but the person told me to go to experian.com/upload to upload docs to verify my identity ; before they could speak to me or address any issues. 
When I went online and upload the doc in the said format, It did not process the upload even on trying multiple times. There was a follow-up link that told me to fill a form and mail it. When I click the link it again said that my request/form could not be processed but gave me a mailing address. Now, I don't know if I send the docs to the mailing address without the form, whether they will process the info or not. If so, how long should it take them to verify id at their end. When Experian is collecting and reporting my data seamlessly, It has a responsibility to easily allow me to access the data, provide consumer statements and dispute accounts that are paid.
Product: Money transfer, virtual currency, or money service

I am filling 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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation EXXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Jefferson Capital placed a collection on my credit report, and I have no idea what it is. I wrote Jefferson Capital and demanded documentation or some sort of proof that the collection account belongs to me, but they refused to send me any documentation and also refused to delete this unknown account from my credit report.
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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/year> 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has a debt listed my credit reports ( XXXX-XXXX-XXXX  ) in the amount of {$550.00} that was placed on my credit reports. They have the Address listed as XXXX XXXX XXXX XXXX. XXXX XXXX XXXX MN XXXX Phone Number XXXX ThXXXX XXXX XXXX XXXX XXXX XXXX is not listed when searched on XXXX or internet. There is a National Recovery Agency listed and they said they have no record of this account. I contacted the phone number and it is a automated system. I have filed a complaint on this company with the Consumer Protection Bureau ( XXXX ) I would like this collection debt removed from my credit reports because they are not mine and are not valid- I dispute this account
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.
Product: Credit card

I was on a promotional period agreement with care credit. The account was paid as agreed over XXXX  months. In the final month, I was told that there were some fees I also had to pay, which was an additional XXXX dollars. Before making my final payment at agreed, I was told that the fees will be waived and I would only have to make my final payment, plus XXXX payment on a late fee, which I did on XX/XX/23 and XX/XX/23. Both payments posted. However, on XX/XX/23 I incurred what they call a deferred interest of XXXX. I was told that it was due to the XXXX dollars of fees, even after I was told they were waived. However, the fees are separate from the loan agreement and do not extend the lifespan of the loan. I can pay the XXXX fees, and be done with care credit. However I do not accept XXXX, plus XXXX still being charged late fees, even after I asked them to close the account. They are also illegally updating the balance to a closed acccount, which is terms for deletion off my credit report.
Product: Checking or savings account

I had went though my Zelle transaction history and noticed a money transfer to a number and person that was saved on my contacts but I hadnt had a relationship or recently talked with this person but it was sent money to them. Spoke with bank and investigated that I approved the transaction even after explaining I know only two contracts that had repeatedly sent money to but this number I wouldnt even know if the person had the same number because I have had no contact with the person associated to for a long time. They concluded I did submit them the money when I never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am calling because my Credit report shows derogatory remarks and inquiries that should be taken off immediately. I have reached out to the credit bureaus multiple times and they have yet to take it off. 

My report is showing inquiries from 2015 that should have been taken off. Also, My fed student loan accounts show missed payments, when I am enrolled in an income-based student loan payment program and my payments are {$0.00}. I had reached out to XXXX to change or remove this information and yet it still remains. 

I need these old accounts taken off, especially the ones from XXXX XXXX, that have been closed and resolved. Thank You!
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Processed an online shipping label using XXXX website. I provided the proper weight and dimensions of the package and paid the {$35.00} online price, printed the shipping label and shipped the package. 

I received a statement from XXXX stating I owe an additional {$40.00} due to no shipping costs was portioned on the label. I provided proof of payment and my online account number through XXXX. XXXX stated they would look into the situation. 

Since this time, I received a XXXX XXXX from the US to XXXX. I am now in XXXX and learned this is now elevated to collections. I arrived in XXXX XXXX XXXX XXXX on XXXX XXXX.
Product: Credit card or prepaid card

I called Bank of America in order to ask if requesting a credit line will trigger a hard or a soft credit inquiry, since I have read an article online that Bank of America switched from requiring hard checks to just perform a soft check. The person than answered, XXXX, put me on hold for a minute to check since she was not sure what kind of check it is performed. She came back on the line and since a check is gon na be performed, to which I specifically asked is it a hard or soft check, she stayed silent for a second or two and replied it is gon na be a hard check. Her response did not sound very convincing from what I read on the article. Then she asked me if I wanted to proceed with the credit line increase to which I declined since I do not believe it is necessary for Bank of America to perform a hard check since they have more than enough information about myself being a customer for many years, having perfect payment history and plus since they perform soft checks on my credit report periodically. She then went on to say that it is the policy and that other banks do the same. I replied that it might be their policy but it is absolutely not true other bank need to perform hard checks for line increases. I have requested multiple increases from other banks and they were all granted without the need for a hard check. She then said ok have a nice day in condescending tone of voice. After that I requested to speak with a supervisor, she claimed the supervisor was not available and if I wanted to leave a voicemail. It is really surprising that such a big corporation like bank of america does not have supervisors available during the day.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Writeup : 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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the close date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting.
Product: Debt collection

XXXX has referred me to collections for an amount that has been paid since XXXX 2015. This has been the second time it has happen. the first time I contacted XXXX management, they took care of the problem by adding a credit. Now the fee is showing up again as a debit and they stated that it was because XXXX has extracted the money. I then contacted XXXX and they have no record of this ...
Product: Debt collection

About 3 weeks ago, I got a credit alert, that I had a collections account on my credit report, then I checked my XXXX  account, and saw that Plus4 Collections, Inc., XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX, was reporting this. I immediately called them to dispute this, and told them, that they never even notified me before putting this on my credit report. Parenthetically, they still haven't given me written notice to this day! They said XXXX XXXX, then I told them the VA payed all my medical bills, because I am XXXX  % XXXX, and that, they too never sent me a bill. Please give me their phone number, I demanded. I don't have that information XXXX said. I hung up, and proceeded to get that information. Calling XXXX XXXX, they confirmed, that all the bills they sent me were returned, because they used the hospitals billing system for my mailing address, even though, EVERY TIME I went for a test, I put my current, CORRECT mailing address on all their paperwork, they failed to change their records, and, because they didn't timely notify the VA of these bills, the VA would not pay, but agreed to write them off. On the XXXX of XXXX, Plus4 Collections, Inc., was notified by XXXX XXXX to end their attempts at collecting this debt, but instead Plus4 Collections, Inc., notified XXXX  that I had filed for bankruptcy, which I have not!! I called Plus4 Collections, IncXXXX, and demanded they remove the lie from my account immediately, but they denied doing it. I filed a dispute with XXXX. I called back Plus4 Collections, Inc., with a representative, XXXX, from XXXX XXXX to have it removed forthwith, but they hung up on us.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I pulled my credit report from XXXX and transunion and XXXX and noticed that the balance of my car loan with XXXX XXXX  had not been updated since XX/XX/2023. I called XXXX XXXX and asked why are have they not updated the balance on my car loan with them since XXXX of 2023 I asked them to please update the info with the correct balance as I am trying to buy a home. I was told that I needed to send a email to them to dispute the balance which I did. I have sent a email every month since then and the balance has not been updated.I have attached a screenshot of the balance on my loan with XXXX XXXX and a copy of my current credit report.
Product: Debt collection

I believe the account was the result of identity theft. I didn't receive written notification about debt so I can dispute debt. 

The 3rd party customer service representative ( XXXX XXXX, Waypoint Resource Group ) would not provide ( flat out refused ) the address the debt was from. He stated I had to give him my address, phone, etc. I asked how am I supposed to know he's not changing the information to match what he insisted I give him. He stated he could not escalate the issue to get it removed from my credit report if I didn't give him my address & phone number. He said to just trust him-I DO NOT!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I received notification via the XXXX app that I had two new hard inquiries from two different mortgage companies. I did not inquire with either company. Here is the info I have : 1. XXXX XXXX XXXX XXXX  XXXX inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm concerned this may be fraud, and that these hard inquiries will negatively affect my credit score.
Product: Consumer Loan

I submitted a complaint in XXXX for Clear One Advantage, my case number is XXXX, their response to my complaint was that they would send me my fees which was around {$700.00} ( a little more ), and I have never received my fees back. So my complaint this time is this company does not know the truth, if they had no intentions of giving me my money back they should n't have said they would in their response.
Product: Credit reporting or other personal consumer reports

I tried to resolve this early in 2022, and assumed the loan was real since I have two XXXX XXXX  from different universities. 
The Washington State Attorney General 's Office tried to resolve it, but Mohela refused to answer their calls and requests for information. 
When I just did my annual credit reports, I found the information is still on my XXXX and XXXX and my complaints of it being false information last year have been deleted. 
Having just finished a XXXX XXXX in XXXX XXXX with XXXX  loans, I called to get into the REPAYE program, which is required if you have delinquent payments or charge offs/defaults. I was told I have none and needed to call the XXXX XXXX XXXX XXXX. 
I called the XXXX XXXX XXXX XXXX, and was told I've never had a XXXX XXXX loan and that Mohela is precluded from buying a XXXX XXXX loan, servicing a XXXX XXXX loan or anything else to do with XXXX XXXX. 
I was advised to file a complaint with my state Attorney General again, and to file a complaint here, also. 
It's straight up fraud. I don't have and never have had a XXXX XXXX loan and Mohela has never been my servicer. All my XXXX loans have been serviced by XXXX XXXX, and recently got taken over by XXXX. 
I have applied for and completed the process for all my loans to be consolidated into the SAVE program. I could not do this if I had any loans deliquient, in default, or claim charged off. 
Yet Mohela is trying to collect {$1700.00} from me, through fraudulent reporting to credit bureaus. 
I have proof all my loans have been consolidated into SAVE.
Product: Checking or savings account

On XX/XX/XXXX I called CitiBank to let them know that I could not access my savings account for the purposes of submitting a withdrawal. They informed me that my account was locked because there was no Withdrawal/Deposit activity since XXXX The account has been earning monthly interest each month and I would see the balance increase in my monthly statement, so I never thought anything of it. 

They instructed me to send a letter requesting reactivation of that account to their service center in XXXX XXXXXXXX XXXX. I sent a letter via USPS on XX/XX/XXXX. One week later I did not hear back anything, so I called to check on the status of my request. They asked for the tracking number which I supplied, and they looked up the status on USPS site and they indicated it was delivered on XXXX  That surprised me because priority mail indicated an expected delivery date of XXXX 

So at that point they only had the letter one day and the call center person I spoke too indicated that she would send an email to processing center to expedite the process. It is now XXXX  so I followed up with CitiBank again. This time they gave me the same run around. I asked to speak to a supervisor, and she asked me for the tracking number again. Well at this point I had discarded it because the letter was delivered, and they already confirmed the date the processing center received it. The supervisor said that she would resend another email to processing center because she said there was no mention in my file of an email being sent to the processing center from the call center. I gave her the call center person 's name, but she said that was of no help. I then requester a number to speak to someone in a branch office or processing center and she declined my request saying they don't do that. So again, no way to pursue this correspondence. Terrible business practices. 

I'm once again in a loop of correspondence that is leading nowhere. I stressed the importance to gaining access to that account and she said Well it will be at least 3-5 days until we'll probably hear something. At this point I am infuriated and told her on the phone that I would be submitting a complaint to your organization concerning this matter. If they record their calls as they say they XXXX, it will be on record, concerning my sincerity about this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | May Presume that no nonf of the alleged Debt nor therefore any such debt in fact exists.
Product: Money transfer, virtual currency, or money service

My mom started talking to this woman who presented herself nicely on XXXX and had her invest into a platform that was " going to make her more money ''. I started to see my mom profiting off of her trades and wanted to also invest some money since it looked so easy. She had me create an account on XXXX and there I had a wallet where I would buy bitcoins from cash app and put it into my wallet on XXXX so I can day trade it. She would tell me when to trade and how many amounts. I invested {$2000.00} on my account it showed I profited {$12000.00}. When I went to withdraw the amount they told me I needed a withdrawal pin. In order to get this pin I needed to pay XXXX  5 % of the amount I want to take out into some bitcoin wallet. I paid the 5 % which was {$450.00} and after that it showed I needed to pay a commission fee before being able to withdraw all of my money. After that they wanted you to pay the 20 % commission fee up front before you receive any of your money. After this I realized I just lost all of my savings and I was scammed. I contacted cash app since this is where I was purchasing my bitcoin and told them this was a scam and they told me basically they couldn't help me. How can we trust such a popular app to send and receive money when they won't even protect you from people stealing from you.
Product: Credit reporting, credit repair services, 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 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 XXXX  XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX