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

Issue : - I applied to lease an apartment at XXXX XXXX in XXXX CA. 

- The apartment complex uses a third party company called Entrata Resident Verify to verify income.

- I submitted an application online including a {$300.00} security deposit - The Entrata verification process asked that I provide my username and password to my bank accounts so they could look at my account.

- I tried to comply but my bank 's security rejected a third party website gain access to my account ( Note : I contacted my bank afterwards and they told that as a security precaution, I shouldn't allow third parties access to my account ).

- Entrata subsequently rejected my application, and the apartment complex informed me as such.

- As an alternative, the apartment complex asked me if I could print out the last XXXX months of my bank statements they could manually verify income. 

- Entrata rejected this as well. Note : My income and credit score are far in excess of what it would take to rent the apartment, so I know neither were the issue. The issue here is simply the fact that Entrata resident verify use a process that appears to discriminate against applicants whose banks don't allow third party websites to access their account information.

- I would like Entrata to contact me and verify that I am qualified to rent the apartment, or if no longer available, a similar one at a similar price at the same location. I would also like Entrata to explain to me why printed out copies of my bank statements, work income verification statements, and credit score were not sufficient given that they provided overwhelming evidence I am more than qualified to rent the apartment.

Specifics : The original application was made on XX/XX/XXXX at XXXX XXXX in XXXX XXXX CA and a second application ( with hard copy printouts of bank account information ) was made on XXXX XXXX. I have contacted both the company that owns the XXXX XXXX  XXXX  ( called the XXXX XXXX ) and the third party vender Entrata Resident Verify, and neither have responded. 

Any help appreciated Thanks XXXX XXXX
Product: Debt collection

XXXX Experian I file a dispute with Experian or the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND THEY FAILED TO REINVESTGATE THE DISPUTES
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. Specifically, Cash App failed to use 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 and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

A collection agency by the name of credit control corporation listed on my credit report is fraudulently seeking multiple amounts and accounts under the same name, amount and date. I disputed it and got it taken off of one of the credit bureaus which was XXXX but not XXXX. I tried to reach out to the company on XX/XX/2022 to no avail. I received no response. They have hurt my credit substantially by submitting so many hard inquiries and claiming at least seven accounts again with the same amount from the same day and time which is illegal and completely unethical and should not be allowed. XXXX came back after I filed a dispute in their favor which means that they did not really look into it because it's clear just buy a glance that's something can not be right with the same account with the amount and date all the same being filed. The account originates from what I believe was my miscarriage due to the date however, they have not sent me anything with their name on it so I can not be for certain. Not only did they lie once when they knowingly filed all these hard inquiries on my credit on the same day and time which was the same account but when I disputed it with transunion, they came back yet a second time and said it was accurate. This can be devastating for some people as we need to have credit to be able to get housing, travel and many other things. I have never had to file a complaint against the company before so I am not so quick to do so but this is completely wrong and I feel helpless. Please help and thank you for having this service in place for people with no voice like myself fighting against big companies.
Product: Checking or savings account

Friday, XX/XX/2021 four fraudulent transactions were made on my debit card with Chime bank. XXXXXXXX XXXX {$50.00}, XXXX {$56.00}, XXXX {$56.00}, and XXXX {$59.00}. These transactions were made at XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. 
I immediately called XXXX XXXX, and they could only provide me receipts on the transaction, and let me know to provide them to my bank for the dispute process. Immediately cancelled my card and called Chime. Chime stated the transactions have to be settled before I can file a dispute. XXXX other transaction attempts were made by the hacker to my card the weekend of XX/XX/XXXX, but they did not go through since I had cancelled my card. 
Once the transactions settled, I filed the dispute with Chime. They gave me a 10 day window to provide them with documentation or other information regarding the transactions. XXXX days after I filed the dispute, I received a notification stating Chime had denied my dispute and is closing the case. In those XXXX days, I did not have time to go to XXXX XXXX to pick up the receipts. 
I called Chime and requested a rebuttal and to reopen the case on XX/XX/2021. For this rebuttal I was able to provide the receipt documentation from XXXX XXXX to Chime. I did not hear back for almost two weeks, and I called Chime. They let me know the rebuttal was denied on XX/XX/XXXX again. They did not notify me in anyway about the status of my rebuttal and closed the case 3 days after I submitted my rebuttal with documentation of the purchases again. 
I requested once more to re-open the case, and requested Chime to contact me this time with any questions or if anymore information is needed. They requested I resend my documentation from the merchant, and there were no notes on my case from the dispute team that they had initially received my documents. I resent them my documents from XXXX XXXX again, and the service rep stated he will escalate this dispute request for me so that the team does not overlook my documents again. 

The receipts from XXXX XXXX show my card was swiped and show the incorrect expiration date for my card for all four transactions. It also shows the hacker bought small amount items, then took out {$50.00} dollars in cash back for each transaction. 
Chime emailed me a document stating their reasons for denying my dispute, and their reasoning does not align with the evidence I provided. I will attach both the receipts from XXXX XXXX and the Denial Documentation from Chime. Chime stated they believe my card was used in person at the XXXX and the chip was used. The receipts I provided state clearly for each transaction my card was swiped. They also failed to check the documentation showing the wrong expiration date was used for my card. They also did not take into consideration, my card had multiple denied transaction attempts and multiple merchants after I cancelled my card following the XXXX XXXX transactions. 

I believe Chime did not handle this dispute and investigation properly.
Product: Checking or savings account

I was a victim of a sophisticated financial scam that resulted in fraudulent transactions totaling over {$28000.00} from my TD Bank checking account ( debit card transactions ). The scammer, XXXX XXXX, deceived me into believing that if I did not continue sending payments, I would lose all my previous funds. This was a case of fraudulently induced payments, not voluntary transactions. 

I submitted a fraud dispute with TD Bank, providing all necessary evidence, including a police report from the XXXX Police Department ( Report ID : XXXX ) proving that I was a victim of financial coercion. However, TD Bank wrongfully denied my claim, stating that my transactions were authorized.

TD Bank Credit Card has already recognized these transactions as fraud and is processing my dispute, yet my checking account claim was unfairly denied.

Under Regulation E ( Electronic Fund Transfer Act ), I believe I am entitled to consumer protection regarding my checking account transactions. I request CFPB to investigate whether TD Bank is failing to comply with Regulation XXXX and provide fair consumer protection.
Product: Checking or savings account

I have a bank account ( checking & saving ) with Credit Karma which the bank that they use is XXXX XXXX XXXXXXXX. So XXXX XXXXXX/XX/year> I received a email that a transaction was on their way to an account that I didnt recognize the bank account that was transferred was XXXX XXXX XXXX XXXX They did a transaction of {$9900.00}. When I saw that I went to my Credit Karma to repotted through the Chat and they told me that I need to call to XXXX. So when I called to that number they dont find my account to be able to talk to someone. And today XX/XX/year> I enter the app to see whats going on with my account but my saving account was closed. And my checking account I have {$2700.00} and someone was making transactions to a cash app account which name is XXXX XXXX. And today XX/XX/year> they made XXXX transaction of {$490.00} and XXXX of {$19.00}. I need urgently help because that was the money that I saved to buy my first house next month. And I dont know if Credit Karma will refund me Please Thank you
Product: Debt collection

When my husband and I tried to rent a home, we found out there was a debt on my credit report owed to a collection agency called Source Receivables Management. The debt was for a company called XXXX. I have never had a XXXX account. I called the collection agency and asked them to send me proof that the debt was mine. I did not get anything. I disputed the error with all XXXX credit bureaus. According to the bureaus, the collection agency verified that the debt was mine. I do not see how they could because I have never ever done business with XXXX. I called XXXX. They said I had to call the collection agency back. I called them. Some lady names XXXX said she was mailing a fraud packet. When I got it, it asked me to furnish a lot of documents I do not have. For example, they wanted a copy of my driver 's license. I do not have one because I am XXXX and can XXXX XXXX. I have been XXXX since my early teens and have never had a license. I called the collection agency and explained that. They said then that they needed a copy of my passport. I do not have one. I explained that because I am XXXX, I do not work and can not afford to get a passport. Then, they said they needed a photo id. I repeated that I do not have one because I do XXXX XXXX or work. Then, they said they could not help me and hung up on me!!!!!! I need this off my credit report so we can get low income housing apporved. Help.
Product: Credit reporting or other personal consumer reports

My Experian Credit Report includes an item entitled XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX I never made any application for a mortgage, and XXXX XXXXXXXX XXXX XXXX has no record of any application. However, they indicated that someone else identifying themselves as XXXX XXXX XXXX may exist. Phone numbers that they provided have been disconnected.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I reviewed my credit report provided by Experian and noticed several inaccuracies related to my personal information. Specifically, there were incorrect names, addresses, and phone numbers that do not belong to me. The erroneous information included multiple variations of my name, as well as incorrect addresses and phone numbers. These inaccuracies are negatively affecting my credit report and could impact my financial reputation. 

On XX/XX/2024, I filed a formal dispute with Experian, requesting the removal of these inaccurate names, addresses, and phone numbers from my credit report. I provided supporting documentation, including a government-issued ID, proof of residence, and highlighted sections of the report showing the disputed information. 

I kindly request that the CFPB ensure Experian thoroughly investigates this dispute, removes the incorrect information from my credit report, and provides me with an updated and accurate report promptly.
Product: Credit reporting or other personal consumer reports

XXXX erroneously reported my account 90 days delinquent, and then sold my account to Nelnet, who also duplicated the error by placing the account on my credt reports and reporting 90 day delinquency and they haven't even had the account 90 days. Both acts are erroneous and should be removed. Nelnet should report paying as agreed with no delinquency at all.
Product: Credit reporting or other personal consumer reports

Equifax is reporting an inquiry on my credit file. On XX/XX/2024 XXXX XXXX  got a report of my credit without my authorization. I have no business with that company.
Product: Mortgage

Bank of America was sent a Notice of Error and Request for Postponement of Foreclosure Sale for XXXX XXXX. The Notice of Error advised BOA that it had failed to send the required Post Foreclosure Referral Notice and had failed to provide the borrower with a proper loan modification review. The Notice requested postponement of the foreclosure sale to complete said loan modification review. Bank of America is proceeding with foreclosure.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm literally gon na gloss over this because I've submitted the same complaint about the other XXXX credit reporting companies. transunion has been reporting the finger hut account on my credit report incorrectly for at least XXXX  months now. multiple attempts have been made with them to dispute the account, no changes have been made, all disputes result in fruitless frustration. the same letter i received from web bank XXXX the issuer of credit for XXXX XXXX XXXX was submitted in a dispute with transunion and subsequently netted nothing down. the letter lists information about the XXXX XXXX  account as recorded by XXXX XXXX and shows in black in white that XXXX XXXX account is being reported almost entirely incorrect and yet nothing was down with the account listed. i will be attaching that letter to this complaint. get your glasses or translator, don't really care. i want proof someone with XXXX eyes and a general grasp on the English  language has read the letter.
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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I looked at my Transunion credit report On XX/XX/year> and noticed some things are incomplete and not accurate . And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 ( i ) ( 5 ) they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information : ( A ) in general after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promply notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681 ( s ) -2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

North American Recovery has not sent validation of the debt after repeated requests. Additionally, they are not licensed in the state of Colorado, which is a violation of Colorado 's Fair Debt Collections Practices Act.
Product: Student loan

Dear Whom It May Concern : I could really use your help! As a single mother, I struggled to make ends meet, I was able to send my son to XXXX XXXX University and took out student loans due to the fact we never received child support. I did not have a college fund for my son, Im proud to announce, he graduated and is now a XXXX XXXX. Our whole family was thrilled for this because the majority of us are police officers for the city of XXXX. 

Since XXXX, Ive been making monthly payments. At some point, unbeknownst to me, my loan was sold. I was unaware my payments were not going through the loan company until my tax refund was taken due to lack of payment. I was n't given any credit because of the fact my loan was sold. 

After my refund check was taken, I now had an account number added to the loan. When the government restructured the student loan process, it feel between the cracks. I immediatley contacted the lender and set up a new payment plan. They stated once I made XXXX consecutive payments, I would be in good standing with the loan company. I made the payments and still another tax refund check was taken from me. 

This year, once again, while taking my tax refund check, they resold my loan. I was still in the process of setting up a new payment plan and Im still waiting for that to go through. The new statement stated the same thing as before, if you make XXXX consecutive payments, I would be in good standings On the last line of the application it stated, after making the XXXX consecutive payments of my loan, will again, be sold to a new lender My credit rating went from a XXXX to a XXXX. I have always prided myself in having great credit and making sure I pay my bills on time while raising XXXX children without child support and working XXXX jobs, without help and any outside assistance. The original loan was set at {$16000.00}, now it has jumped to {$48000.00}. 

Im am begging for help! Im forever going to be on this hamster wheel, regarding this student loan. Due to the fact that they will always be reselling this student loan to new lenders. Im a hard working woman and truly need your help! Please consider taking on my case. 

Thank you so much for your time, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning I have tried to dispute this account with XXXX XXXX and all credit bureaus. This account still show as potentially negative when its false. I have to been a customer for XXXX XXXX   since XX/XX/2016. The account was paid in full since then. All the credit bureaus and the company have refused to take this off my credit. I need someone to enforce this people to stop and remove this negative false account. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Georgia Student Finance Authority has violated my rights. 

15 U.S.C 1681 s-2 A person shall not furnish any information relating to any consumer reporting agency if the person knows or has been reasonable to believe that this information is inaccurate 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have made multiple attempts to challenge this account, however it has been repeatedly re-added to my record, despite previous deletions by other agencies. This situation is causing me both emotional and financial distress.