23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Wells Fargo had a breach in there system that allowed our personal information whoever breached there system tried to get money out of our accounts through XXXX and other transfers leading accounts to be overdrawn we also couldnt get into our accounts we had to call because we were blocked out we had to pay overdrawn fees and more dont think thats fair
Product: Credit reporting or other personal consumer reports

I am writing once more to express my bewilderment regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. As you are aware, I have submitted the necessary documentation to the Federal Trade Commission ( FTC ) regarding these fraudulent accounts. Following this submission, XXXX and XXXX promptly removed these accounts from their records. 

I have also contacted the companies associated with these accounts directly, and they have confirmed the removal of the accounts from their records. Thus, I am perplexed as to why these accounts continue to be reported by your bureau. 

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

Two dispute letters have been sent out but 1of requested inquiries were removed. No proof was provided to me that inquiries came from me.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against CASH APP ( Block inc. ) Due to inadequate customer services 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 losses, and I seek appropriate redress for these violations. I also lost money because I couldnt get back in my account and had to make another. CASH APP would not refund any of my money.
Product: Credit reporting

Need to remove the comments on the XXXX account ... The settlement made with XXXX was for the " FULL '' balance not " less then full balance ''.
Product: Debt collection

Saw on my credit report for a debt to XXXX XXXX for {$200.00}, but I have never recieved anything in writing from Helvey and Associates. I'd like to pay off my debt or settle with the agreement that it will be removed from all 3 of my credits reports with a positive resolution. However I can not do that because I have nothing in writing.
Product: Checking or savings account

( 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 reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 the FICO credit score that I receive from my bank dipped by 50 points. My bank explained that my score dropped due to the " length of time revolving accounts have been established, '' meaning there was a new credit card account on my credit report. I pulled my free credit report from TransUnion and found that there was a new credit card with a {$400.00} or so credit limit. It had not been used. 

I did not open this account. I filed a dispute online with TransUnion explaining that I did not open the account. TransUnion dismissed the dispute on XX/XX/XXXX. 

I called XXXX and disputed the account as unauthorized the next day, XX/XX/XXXX. On the phone, I gave the customer service representative some of my contact information. She claimed that all the information I provided was also what she had on file, except the email address. She would not tell me what email address was on file, but she confirmed that it was not my email address. 

XXXX mailed a one-page letter dated XX/XX/2020, the day after receiving the dispute, claiming it " thoroughly researched [ my ] dispute [ and was ] unable to find evidence of unauthorized activity. '' I did not open this account and it is hurting my credit score. I suspect either ID fraud, or XXXX employees are opening unauthorized accounts to meet quotas, similar to the XXXX XXXX fake account scandal. 

XXXX 's investigation was clearly insufficient. They had evidence that the email address used to open the account was not my email address. In addition, I filed a report claiming it was unauthorized before the card had been used. Why would someone lie and report an UNUSED card as fraudulent. They would get no benefit from that. If a consumer disputes an account as unauthorized before using it, that should be per se proof that it is an unauthorized account. At the very least, they should have closed the account after I complained.
Product: Checking or savings account

Citizen 's bank offered a money market account with a specific interest rate if you added a minimum amount of new money to an existing account. This was done and confirmed by the bank but the bank never gave me the new rate and after several conversations of promising to adjust the rate and to also credit me with the over 3 months interest they owe to me.
Product: Debt collection

My deceased mom ( XXXX XXXX XXXX XXXX had a loan with XXXX  XXXX XXXX XXXX and there was a co-debtor on the loan, in XXXX, the co-debtor XXXX XXXX signed a quitclaim deed releasing his rights to the property to XXXX XXXX XXXX. At some point thereafter and while the loan was in default, XXXX XXXX XXXX XXXX XXXX XXXX as Owner Trustee for the XXXX XXXX XXXX XXXX was assigned a modified version of the note between XXXX XXXX and XXXX. There was no notice of default sent by or on behalf of XXXX XXXX XXXX XXXX XXXX XXXX, but a summons and complaint was filed and served for foreclosure. Several complaints to several agencies has revealed that according to XXXX XXXX XXXX XXXX XXXX XXXX as Owner Trustee for the XXXX XXXX XXXX XXXX XXXX XXXX as the servicer for the trust and that I needed to contact XXXX  as XXXX does not get involved with the foreclosure process. I then reached out to XXXX  and initially XXXX  informed me that they have not serviced the loan since XXXX, but after I presented the letter from XXXX, they asked for additional time to respond to the Notice of Error. I had also filed complaints against FCI Lender Services , Inc., because FCI 's accounting records appeared in the foreclosure case file. FCI Lender Services , Inc. responded that they are the servicing the loan at the direction of XXXX XXXX XXXX XXXX XXXX XXXX as Owner Trustee for the XXXX XXXX XXXX XXXX XXXX which is an entirely different trust. Despite the fact that XXXX XXXX XXXX XXXX XXXX XXXX as Owner Trustee for the XXXX XXXX XXXX XXXX XXXX XXXX lender, FCI Lender Services , Inc. is unwilling to correct their servicing errors and claim that no errors exist. FCI Lender Services is not contracted to act at the direction of the lender as the lender has provided a written response that XXXX is its servicer. There is clear fraud going on her, but FCI Lender Services , Inc. is remaining steadfast at claiming a default for its client XXXX XXXX XXXX XXXX XXXX XXXX as Owner Trustee for the XXXX XXXX XXXX XXXX XXXX but the loan is not in the trust serviced by FCI and their client is not the plaintiff in the foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS IN THE HOSPITAL FOR XXXX XXXX AND SOMEONE ACCESSED MY PERSONAL ID AND FINANCIAL INFORMATION. I HAVE SEVERAL ACCOUNTS THAT I DO NOT RECALL DOING BUSINESS WITH THE FOLLOWING COMPANIES XXXX  XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX/XXXX # XXXX, XXXX XXXX # XXXX, I HAVE FILED A REPORT WITH THE FTC AND CFPB.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to XXXX-Debt XXXX  Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents.

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX are all reporting my bankruptcy on my credit reports. Per uscourts.gov bankruptcy courts do not report to any credit reporting agency. I have not provided any permissible purpose written, unwritten, verbal and/or non-verbal consent to any of the credit reporting agencies to report the bankruptcy.
Product: Credit reporting or other personal consumer reports

I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report immediately. 

Please delete the follow inaccurate names : XXXX XXXX, XXXX XXXX, XXXX Please delete the following inaccurate addresses : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Please delete the following invalid telephone numbers : ( XXXX ) XXXX ( XXXX ) XXXX XXXX filling this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. I have enclosed copies of my state issued identification and social security number to validate my identity.
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 : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I ma filing a complaint against Cash App ( Block , Inc. ) due to terrible and inadequate customer service and unfair practices. Which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving account info and personal data vulnerable and unprotected. Further more 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 resulted in inconvenience and financial loss. I seek appropriate redress and compensation for the damages and violations.
Product: Checking or savings account

Called PNC customer service to close all of my deposit accounts on XX/XX/24. Confirmed with call agent that I wanted all of my virtual wallet accounts closed. Received some email communications confirming accounts had been closed. But also began receiving email and physical mail communications about a money market account with PNC that I did not open. I assume they accidentally converted the savings account in the virtual wallet to an XXXX? I stopped in a branch near my work on XXXX in downtown XXXX but they were not capable of addressing at that location. Called the call center on XXXX, but the automated system was no working -- it kept repeating that it was having trouble hearing me. I want the mystery account closed.
Product: Mortgage

I have paid down my mortgage below the requirement for PMI. Freedom Mortgage refuses to terminate my PMI unless I pay for an appraisal at my expense. Per the below they are to automatically terminate upon reaching 78 % of original value of the home so there would be no need for me to pay for an appraisal. My house has increased in value but that should not be relevant per the below. 

Automatic PMI termination Even if you do n't ask your lender to cancel PMI, your lender still must terminate PMI on the date when your principal balance is scheduled to reach 78 percent of the original value of your home. You also need to be current on your payments on the anticipated cancellation date. Otherwise, PMI will not be terminated until shortly after your payments are brought up to date. 

It 's worth noting a termination request is different than a cancellation request. Your lender must terminate PMI even if the principal balance of your loan has not actually reached 78 percent of the original value of your home - for example, because the value of your home declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Show less
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security Number, Address, Birthdate, Driver 's License Number, and possibly more. They allowed a data breach to occur inXX/XX/XXXXand they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting from all three bureaus information is repeatedly showing up, old information, inaccurate information, addresses, phone numbers, inaccurate spelling of my name just to name a few. I've called to have the information corrected I was either left on hold for a long time or was given push back to the point of me hanging up. 

just to name a few : XXXX XXXX XXXX- promised to delete. 
XXXX XXXX I don't know who or what this is {$390.00}. 
XXXX XXXX- reporting as outstanding- which is also a promise to delete XXXX XXXX XXXXXXXX- {$500.00} I dont know who they are XXXX- I believe is about {$14000.00} they continue to report inaccurate shouldve been deleted one year ago XXXX XXXX XXXX- {$480.00} Inaccurate information Ive sent request to verify and no response..
Product: Vehicle loan or lease

Toyota Financial Service representatives are very rude when I was questioning the basic information regarding my loan, the confusing nature of their website, payment of the loan, and the misinformation their website and bills displayed to me said representatives hung up the phone and the call dropped at least four times over the past two weeks. Representatives mislead me to believe that the loan will be adjusted and misled me about the time it would take to adjust the loan. Originally said it would take two business days for the adjustment to mirror on their systems but after those two business days, it turned into four business days, and then it turned into six business days every time I called. They basically gave me false information regarding said information which other representatives backtracked, and said this would not be the case one week later, after calling multiple times during the week. The website contains a section for a remaining balance on the loan, but that is not the payoff amount that is just the remaining balance minus the interest, therefore misleading anyone paying off the loan to believe the payout amount is less than what it actually is, therefore, allowing interest to still be accrued, and a balance due to be owed. The website is basically displaying fraudulent information as the information is not true whatever remaining balances on the loan should be the actual remaining balance, not the remaining balance of the principal, but the remaining balance of the loan itself including the interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 Collecons : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX Collecons : XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/XXXX - there is a hard inquiry on my XXXX XXXX credit report, which I did not authorize nor do I know who this company is, but I do know that I have not applied for any credit or loans in years. When I got the alert via email, I called the company the next day and they refused to discuss any information with me unless I provide them my last 4 SSN and DOB, which I did not provide nor will I ever. I also XXXX searched this situation and its a common issue with this company, they are phishing for security information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit agencies XXXX, XXXX and XXXX  are reporting an Charge off account with a pending balance that is affecting my credit in a negative way. I called your company and there's no account with a pending balance or account that match the account number or my social security number showing in the credit reports. I never request an account with CITI or had an account open in the date that is showing in the credit report or an account number that match. I onlye have a XXXX XXXX credit card that have a different number that is closed and is pay as agreed.
Product: Debt collection

I am writing to dispute the eviction collection account that has been sold to your agency. Upon reviewing the details of the account, I found that there has been a mistake as I have never engaged in any business or contractual agreement with your agency. 

I want to bring to your attention that I previously disputed this account with XXXX on XX/XX/year>, and also lodged a dispute with the XXXX XXXX XXXX ( XXXX ). Both instances returned as verified without any supporting documentation provided. 

I request that you provide me with all pertinent information regarding this account, including but not limited to the original debt amount, the date of the alleged eviction, and any documentation proving that the debtor was properly notified of the proceedings. 

Furthermore, I demand that your agency cease all collection activities related to this account until this dispute is resolved satisfactorily and the accuracy of the information can be verified with documented evidence. Also, I'm requesting the names and contact information of the board members for your company. 

I am prepared to take the necessary steps to rectify this situation and ensure that proper procedures are followed. Please provide a prompt response to this dispute letter so that we can resolve this matter expediently.
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 LAW SUIT 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.THE LACK OF ACCOUNTABILITY AND TRANSPARENCY IS UNACCEPTABLE AND RAISES SERIOUS CONCERNS ABOUT CONSUMER SAFETY..