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

Back in XX/XX/XXXX I sent letters to all 3 credit Bureaus asking them to provide some proof of an XXXX XXXX XXXX bill in the amount of {$2000.00} showing on my credit report ( that does not belong to me ) or to remove within 30 days. I received notifications and updated credit reports from all 3 bureaus showing they had deleted the account in the amount of {$2000.00} being reported by XXXX ( XXXX XXXX XXXX ). I am in the process of trying to purchase a home and now they have reinserted the unidentified account that does not belong to me back on all 3 of my credit report 's but this time it 's with a New Collection agency called XXXX XXXX. I never received any notification 5 days prior stating they would be reinserting items that were deleted back on my credit report. Please delete the XXXX XXXX XXXX bill in the amount of {$2000.00} from all 3 bureaus Experian, XXXX and XXXX as they are violating the law by not notifying me within 5 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote you a letter of dispute asking you to take down the false accounts and information on my credit report. When I checked my credit report, I saw that there were a lot of illegal requests on there as well as some inaccurate account and information reporting. I'm able to tell that these accounts were opened using my stolen identity. I formally reported this to the FTC with XXXX XXXX XXXX as a consequence. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly delete these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. The following list of accounts and data should be deleted right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If you believe these items to be correct, kindly give me copies of your verification and ownership documents. Please remove the disputed items right away if you are unable to locate any documentation to prove the claims that they belong to me.
Product: Debt collection

I received a phone call in XX/XX/XXXX from XXXX representing DNF Associates saying I owed on XXXX XXXX account they claimed I last paid in XXXX. I told them I did not recognize that account and it isnt mine. On XX/XX/XXXX I received an email from XXXX representing DNF Associates saying I owe them on an account now saying the last payment was in XXXX - so the rep lied as the date now makes it out of the statute of limitations to sue since I do not even claim this account. I also got a letter from them a few days later. I completed the form to dispute and returned it via certified mail. I got the received receipt early XX/XX/XXXX. Never received any information from DNF showing I own this account. Then beginning in XXXX I received contact from DNF through XXXX XXXX. The email sent on XXXX gave me an amount but no dates at all. Shortly after I got 2 phone calls a day for a few days. I called and told the rep it is not mine and I am disputing it. She became belligerent talking over me saying she doesnt believe I dont remember and that it wont do any good to dispute it. I hung up. I sent the dispute form in and on XXXX filed a complaint with the PA Attorney General. After XX/XX/XXXX DNF added this account on my credit report- despite not validating this debt. I believe they know they cant validate it as it isnt mine and they are trying to bully me into paying by barraging me with debt collectors and adding unverified info to my credit report
Product: Checking or savings account

I have a checking account at Wells Fargo. Using the bill pay portal I accidentally made a large payment to an old, previously closed, XXXX  XXXX XXXX credit card. This credit card was closed years before this payment. The payment was for {$3400.00}. The funds were never returned to my account. Several subsequent investigations by Wells Fargo have not resolved this issue. A conference call with WF and XXXX  XXXX XXXX failed to resolve the issue. XXXX  XXXX XXXX states they do not have the funds. WF has refused to investigate their third party bill pay portal. 
Please help.
Product: Checking or savings account

I opened a merchant dispute with my bank for the transactions listed on the attached documents. 
The claim was denied sayin that the card was present and was authorized by me. When I opened the claim I was very clear saying that those transaction where authorized and made be me but the merchant NEVER sent the items. 
The bank never requested more information about the case or ask about it. 
Attached also goes the inovice and order receipt to support my case. 
This claim was handled in inappropriate way and didnt follow the transfer act and regulation E and Z, also didnt apply the chargeback procedures for this cases. 
Im Bank of the West customer
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX 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 ( FRCA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5526 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. In addition to the two violations above I have disputed to XXXX to remove my educational items as I believe that these loans and the associated personal information should not be reflected on my credit report due to the protections provided under the Family Educational Rights and Privacy Act ( FERPA ) 99.31. This federal law protects the confidentiality of student education records, and I believe that my educational records, including my student loans, may have been shared, duplicated and reported improperly. I request that the CFPB take action to ensure XXXX complies with the federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked as inaccurate : 1. XXXX : Account # XXXX XXXX XXXX XXXX, 30 day late ( should report on time ) 2. XXXXXXXX XXXX XXXX XXXX XXXX XXXX 30 day late ( should report on time ) 3. XXXX XXXX  : Account # XXXX- Listed as a charge off, no knowledge or record of this account. 

4. XXXX XXXX XXXXXXXX : Account # XXXX - Not my account, no knowledge or record of this account. ( same account # 's ) 5.WELLS XXXX XXXX XXXX : Account # XXXX - Not my account, no knowledge or record of this account. 

6. XXXX XXXX : Account # XXXX - Not my account, no knowledge or record of this account. 

7.XXXX  XXXX  XXXX Account # XXXX - Item needs to be removed as I have provided documentation to Experian that this {$760.00} charge is not mine. 

8. XXXX XXXX : Account # XXXX - Item needs to be removed as I have provided documentation to XXXX that this {$2200.00} charge is not mine. 

9. ALL DEPARTMENT OF ED/XXXX  ACCOUNTS per Family Educational Rights and Privacy Act ( FERPA ) 99.31 10. The only address that should be listed on my credit report is XXXX XXXX XXXX, XXXX, SC XXXX 11. The only name that should reflect on my report is XXXX XXXX XXXX 12. The only phone number that should reflect on my report is XXXX 13. The employers listed on my report are false. I have never worked for either of these companies. 

14. HARD INQUIRIES - I never consented for any injuries to my credit report besides XXXX XXXX.
Product: Credit reporting, credit repair services, 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. 

XXXX - Account # 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 XXXXXXXX All these accounts have 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 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

i received a predatory pick a pay loan from a broker in 2006 and have been fighting for 10 years to keep my home. so my question is can the bank change the posted interest payment on my statement to what ever they want later and continue to charge late fees even though I paid every month? If so how come the chapter XXXX wont fix it? The bank did not post my payments they just sent statements showing the late fees and acruing escrow for property taxes. I feel I have paid the property taxes several times over. in my first chapter XXXX they said I owed $ XXXX them 3 years later I asked for a pay off letter and they said after I made monthly payments of {$2900.00} I owed them $ XXXX can I ask you whom do i speak with about finding out where my money went? I am in a current chapter XXXX my XXXX and I am paying the bank {$3400.00} and the trustee {$2400.00} so I ask you why XXXX if the federal government says I have to meet the XXXX % to get a loan does the federal bankruptcy court allow XXXX % of my income to be made for payments? I borrowed $ XXXX and I have paid over $ XXXX to the bank but I now owe them $ XXXX. It should be illegal to do what they have done to me. I have appraisals months apart that are $ XXXX and $ XXXX difference in value in six months the only change was my job they just change the numbers to make the XXXX meet what they want so they wo n't have to work with me. its not like Im not making my payments but if they had gone with XXXX of the XXXX modifications I submitted with my first chapter XXXX I would only owe $ XXXX at the current time.
Product: Debt collection

Two days ago a derogatory item suddenly appeared on my credit report that I have no knowledge of. Today, I was told by the collector that it relates to an alleged XX/XX/2013debt and no backup can be provided. I have no knowledge of this debt, was not contacted and given a chance to dispute the debt ( per FCRA ) and the age of the alleged debt precludes any research on my part. this has wrecked my otherwise perfect credit. 

I also learned this debt was just purchased from someone named XXXX XXXX XXXX and Commonwealth made no attempt to verify the debt.
Product: Student loan

I submitted previously and made a mistake. The school I meant to make reference to was not XXXX, but XXXX Revised below, and my apologies : I am writing because I was just notified of my award in the class action lawsuit against XXXX and I want to express my sincere thanks to your organization. I also want to engage with you regarding the second and third signature loans through XXXX, they were to Navient and XXXX and I am being charged XXXX % interest at Navient and XXXX % at XXXX, whereas XXXX was at XXXX %. 

XXXX ( XXXX ) did all the, " leg work '' to keep us in classes and they struck terms with outside lenders, providing us with information that led me to participate in the additional student loans outside of the XXXX DL Consolidated - Subsidized and XXXX DL Consolidated - Unsubsidized loan programs ( which are also through Navient ). I have asked for a lower interest rate for years through Navient for the signature loan. In addition to XXXX, I have been drowning in tuition payments while XXXX of my larger loans remain in forbearance -yet accruing interest- so that I can take care of these private loans at XXXX and almost XXXX times the interest rates. I feel that XXXX also deceived its students into taking out loans that cost more than we were led to believe. I know your office states that you will continue to be vigilant in rooting out illegal practices that student borrowers experience in the for-profit space, and so am sure that you would want this information as well. As stated previously, the -XXXX- Navient student loan I have is almost XXXX % interest, this is almost twice what XXXX was charging me, and I am requesting that the loan number below with Navient be reviewed. The original amount of the loan has been repaid in spades. Original loan amount - {$8000.00}, I have repaid almost {$11000.00} on this loan already and still owe over {$17000.00} more..
Product: Money transfer, virtual currency, or money service

I had {$14000.00} in cash app saved up. And I transfered {$4000.00} successfully and a couple days later cash app suddenly closed my account and said I wasnt following their rules. All I wanted was to purchase a home. So I linked my bank card to cash app to cash out my remaining balance to my bank account and the card I linked was my temp card from my bank so when the money came threw my bank sent it back. Then cashapp said they  closed the issue. And now I cant get anyone to help me. They apparently do this to everyone. Close their account and keep their money
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 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 accordance with the Fair Credit Reporting act U S DEPT OF EDXXXX Account 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
Product: Mortgage

I was contacted by telephone from quicken loans by a representative named XXXX XXXX on XX/XX/2020. He started in on a spiel about refinancing and told me he was going to do a number of things including looking at my credit profile he did not ask he told me. I did not understand that he was going to do a hard credit pull as I would never agree to that period I received an experience and notice through email while he was talking to me and I questioned if he had done a credit Pole and after a while he stated that he did. I told him I did not authorize this and I want of it off my credit report immediately. He did not reply or comply my request. I filed a dispute with experient today over this issue. I have requested that quicken loans not ever call me for any reason at all yet they still do. I have had don't lock in the past talking with any representative of quicken loans/rocket mortgage. I want does hard credit pull off of my credit report immediately.
Product: Debt collection

Received a letter stating that if I did not resolve this bent legal action would be taken. Letter date XX/XX/2024.
Product: Debt collection

I made an agreement with FORTIVA so they can provide security service at the house. They told me that monthly payment would be {$15.00} for 2 years, this was on 2019 but they have been charging {$49.00} every month since then and the charge is coming from XXXX not from FORTIVA. They never sent me the contract so I called them and I tried to cancel the service but FORTIVA is asking for {$390.00} so they can continue and the second company XXXX is asking for {$880.00}. This is an abuse because they never mentioned that there were 2 companies involve and they said that they only charge would be {$15.00}. Can you please let us know if there is something that we can do? they are not whiling to help and they are just asking for us to pay. 

Than you in advance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

Back on XX/XX/2020, I was offered a loan by LendingPoint, the loan was for {$17000.00}, once the loan was approved I was told that there was a charge of {$1500.00} for admin fees, which it was not explained to me, anyway I proceed with the loan and on XX/XX/2020 I tried to pay off the loan on which I already had made the XXXX payment, I made a payment of {$17000.00} and then I was explained all the fees and charges which when I asked the lady the amount to pay off she told me {$610.00} and some change to pay off which I paid then she proceed to cancel my autopayment which it did not happen, in XXXX I notice an auto payment of {$500.00} to LendingPoint when I called they told me that I still owned money did not tell me the amount but that the {$500.00} was the monthly due and so I asked how much was owned and why no one reach out to me about that. he said that to pay it off I still have to pay another {$8.00} and some change, I explained that I was told different back in XXXX and that I thought the account was pay in full already, I was not expecting that extra payment in XXXX which financially put me on a bad situation. I will like to get some clarification on it and about the interest why to high and why I was not provide with the correct information, again I got XXXX financially for the month of XXXX since I was not expecting this.
Product: Checking or savings account

Someone else impersonated my identity and tried to open a checking account with Bank Of America. The account is not opened successfully. I want to report that my SSN and personal information have been compromised.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I filed a dispute with Equifax and on XXXX XXXX they removed the item from my credit report. Then on XXXX XXXX it was put back on my credit report without notice. I did not receive any notice as of today even that they were going to reinsert the item. I have contacted an attorney in XXXX and he sent them a removal letter and a notice to sue and they still have not removed it. I have talked to many people and Equifax does take things off and then reinsert but NEVER SEND OUT THE LETTER STATING THEY ARE REINSERTING. They have 5 days to send me a letter of reinsertion and they have failed to follow that law 1681 a 5 a of the FCRA 611 a 5 b. I want the item that was removed on XXXX XXXX 2015 and put back on XXXX XXXX 2015 removed back off.And they also had the incorrect name of company, and had XXXX files for me. I had what they call a split file.
Product: Debt collection

wasn't aware of owing any creditor as i check my credit report frequently. On XX/XX/2020 i went to withdraw some money from my account and my balance was {$0.00} on checking and my savings so i went into the bank and was told that the XXXX XXXX XXXX XXXX XXXX XXXX had a judgment against and was allowed to take money from my accounts. So I called XX/XX/2020 spoke with a gentleman asking why did they take my money he then asked for my last for of my social I gave to him. He then said yes I owed money so I replied to who do I owe money to how much and what is the company name that I apparently owe money to he then said hold, but hung up on me. I then called back no answer so I called repeatedly and no answer. I did get a copy of the Judgement and everything that shows for my current Information is incorrect except my social security #, So I was never given or even mail me a judgment so I could respond. The address noted on the judgment is not my address there is no ph # for me so I do not understand how they got away with taking someone's money like that no up to date or current info. I just lost my XXXX-year-old son he was XXXX and the money in my savings was money i had saved and collected to bury my son so you can imagine what I'm going through having to deal with something that has nothing to do with me as far as I can see. They have violated my rights in every way this is unjustifiable, recklessness on their part and should not be practicing as a lawyer. How many other consumers have they done this to most likely no one has spoken or made an attempt to file a complaint because they are a lawyer so the consumer gets scared. well, i demand that they suspend their license for knowingly Intentionally taking advantage of a consumer who they most likely thought would not take this further.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CHECKED MY XXXX INFORMATION REQUEST WITH THE SECRETARY OF STATE AND I HAVE NO LIENS PLACED AGAINST MY NAME. I SENT MY IDENTITY THEFT REPORT, PROOF OF IDENTITY, FTC NOTICE TO FURNISHER, AND COPY OF ACCOUNT STATEMENT SHOWING THE FRAUDLUENT ITEMS.NONE OF THE ACCOUNT LISTED BELONGS TO ME.TRANSUNION REPLIED THAT ( LETTER ATTACHED ) " IN ACCORDANCE WITH SECTION 605B AND FCRA THEY HAVE DETERMINED THAT MY REQUEST HAS EITHER A. ) BEEN MADE IN EROR B. ) A MISREPRESENTATION OF MATERIAL FACT RELEVANT TO THE REQUEST TO BLOCK AND OR C. ) I HAVE OBTAINED POSSESSION OF GOODS, SERVICES MONEY AS A RESULT OF THE ISSUE. '' I HAVE ATTACHED A REPORT RECEIVED FROM TRANSUNION WITH VARIATIONS OF NAME LISTED ON MY REPORT AND WOULD LIKE TO KNOW WHICH NAME DID THEY VERIFY THE INFORMATION ON. I ONLY HAVE ONE LEGAL NAME AND PROOF OF IDENTITY WAS ATTACHED WITH MY LETTERS. I ALSO WOULD LIKE TRANSUNION TO SHOW THE CFPB HOW DID THEY VERIFY THESE ACCOUNTS WHICH DETERMINED THEY CAN NOT PROCESS MY REQUEST. I HAVE ALSO SENT THEM A VALIDATION LETTER BY MAIL AGAIN AND TRANSUNION NEEDS TO REPLY AND SHOW THE CFPB WHY THEY DENIED MY REQUEST AND ALSO REPLY SEPARATELY BY MAIL.