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

I have documents of my security freeze placed XX/XX/2021, with extended fraud protection. but still see inquiries on my account, as a Victim of fraud, Chase, XXXX  and other institutions, used and complied incorrect information about mw with out letting me make corrections to these accounts that did not seem recognizable. these companies did not investigate this mater as I have a written letter to the data furnishers that the information I had got verified with notary did not match their records, there fore they are resorting to report the wrong information. this led to Injury to my credit report and credit score. FCRA Section 604 ( A ) ( 3 ) was violated I can show all corresponding documentation for letters and how they have not changed the correct information for this I have been denied finical services in the pass and housing options. This creditor/Collection agency, failed to report a disputed debt to the credit bureaus. Protection under the FDCPA FDCPA Section 807 ( 8 ) I demand XXXX complies or i will be using all documentation as evidence to show in court I have documents of my security freeze placed XX/XX/2021, with extended fraud protection. but still see inquiries on my account, as a Vitim of fraud, chase did not investigate this mater as I have a written letter from the data furnishers that the information I had got verified notary did not match their records, there fore they are presorting to report the wrong information. this led to Injury to my credit report and credit score. FCRA Section 604 ( A ) ( 3 ) was violated I can show all corresponding documentation for letters and how they have not changed the correct information for this I have been denied finical services in the pass and housing options. This creditor/Collection agency, failed to report a disputed debt to the credit bureaus. Protection under the FDCPA FDCPA Section 807 ( 8 ) I
Product: Mortgage

Wells Fargo has and continues to encumber my property at XXXX XXXX XXXX XXXX RI XXXX with a fraudulent, forged mortgage. The mortgage for {$320000.00}, recorded on the property, on or about XX/XX/2008 is invalid and should be removed from the XXXX RI land evidence records. I would like a full investigation into the matter and to press criminal charges against Wells Fargo.
Product: Checking or savings account

I am a Bank of America merchant services customer. I use Bank of America merchant services to handle all of my credit card processing. I was told and contracted that funds would be deposited into my business checking account within 1 business day of payment. I was contacted by BOA to explain and provide invoices for 4 transactions on XX/XX/XXXX, I provided that information on XX/XX/XXXX. I have had my credit card payments from customers held since XX/XX/XXXX, the amount is approaching {$30000.00} and I have not received any of it as I was suppose to. I have followed up every day by phone or email for the last 8 days with no response or resolution. All of my customers have picked up orders paid for or had them shipped. I am out the funds and the items. Bank of America has not explained what is going on and nobody in risk department will answer the phone or respond to phone calls. This has caused substantial harm and uncertainty to my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 16811. 

I waited 30 days and I haven't received anything. Here is my tracking number : XXXX. It has been over 30 days. 

And one more thing, they didn't even record the current status of the disputed information. 

XXXX, is holding me back from getting a house. This is very frustrating because I am trying to buy a house for my family but XXXX is doing its job according to the law. 



XXXX Account XXXX XXXX XXXX  Account Number : XXXX : XXXX Account XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Account XXXX  Account XXXX, XXXX  Account XXXX Validate Account XXXX  Account XXXX XXXX. Validate Account XXXX  XXXX Account XXXX Validate Account XXXX  Account XXXX Validate Account XXXX  Account Number : XXXX Validate Account XXXX  Account XXXX Validate Account XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/22, I initiated a bank to bank transfer of {$1000.00} from my checking account at People 's United Bank ( now M & T Bank ) to my savings account at CT XXXX XXXX XXXX XXXX ( " XXXX '' ). The transfer shows as having gone through on M & T 's side, but as of today 's date ( XX/XX/22 ), my money has still not arrived in my XXXX account. I called M & T on XX/XX/22 and was on hold for 3.5 hours before I finally got through to someone. The representative told me that transfers not going through is a " known issue. '' She suggested that I wait a couple of days to see if it ended up processing through on its own, or said I could go to a branch to cancel the transfer. I opted for the second option. On XX/XX/22, I went to a physical M & T branch to cancel the transfer, but was told that there was nothing that could be done because their system showed the transfer was completed. At that point, I opted to close my accounts with M & T Bank. I also filed a dispute with M & T regarding the transaction. This is completely unacceptable. {$1000.00} is not a small amount of money. There is no reason why somebody should have {$1000.00} of their money sitting in limbo for 2 weeks and counting. This has caused me a great deal of stress, not to mention at least 6 hours spent trying to get it resolved on the phone and in-person at the bank.
Product: Consumer Loan

I sent a letter to ONE MAIN FINANCIAL regarding an inaccuracy on my credit report, account number XXXX. They received and signed for the letter on XXXX XXXX, 2016 ( I attached the return receipt ). They violated federal law by not placing " notice of dispute '' on my account within 30 days of my dispute ( I attached my credit report as well, please see pages XXXX & XXXX for the reporting from ONE MAIN ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on all 3 major credit bureaus that I did not authorize over the last 18 months and as I have tried to work with the 3 agencies to remove them, they tell me I have to reach out to the creditor and have them provide documentation to me about the inquiries and how they need to be removed. These creditors have told me that I need to contact the bureaus and have them removed. The 3 bureaus tell me that I need to call the creditors to send me documentation saying that they will remove them or that the bureaus need to remove them. Which is it? Each party say i need to contact the other side! This is XXXX XXXX! I am trying to buy a home in XXXX and these hard inquiries are killing me right now. Please help!! 

XXXX : 1. XXXX XXXX - Inquiry on XX/XX/XXXX - Not authorized 2. XXXX XXXX XXXX - Inquiry on XX/XX/XXXX - Not Authorized 3. XXXX XXXX XXXX  - Inquiry on XX/XX/XXXX - Not Authorized 4. XXXX XXXX XXXX - Inquiry on XXXX XXXX, XXXX - Not Authorized 5. XXXX XXXX XXXX - Inquiries on XXXX XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX - Not Authorized 6. XXXX XXXX XXXX - Inquiry on XXXX XXXX, XXXX - Not Authorized 7. XXXX XXXX XXXX - Inquiry on XXXX XXXX, XXXX - Not Authorized Transunion : All NOT AUTHORIZED!! 
1. XXXX XXXX - Inquiry date : XX/XX/XXXX 2. XXXX XXXX - Inquiry date : XX/XX/XXXX 3. XXXX XXXX - Inquiry date : XX/XX/XXXX 4. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 5. XXXX XXXX - Inquiry date : XX/XX/XXXX 6. XXXX XXXX  - Inquiry date : XX/XX/XXXX 7. XXXX - Inquiry date : XX/XX/XXXX 8. XXXX - Inquiry date : XX/XX/XXXX 9. XXXX XXXX - Inquiry date : XX/XX/XXXX 10. XXXX - Inquiry date : XX/XX/XXXX 11. XXXX - Inquiry date : XX/XX/XXXX 12. XXXX XXXX - Inquiry date : XX/XX/XXXX 13. XXXX - Inquiry date : XX/XX/XXXX 14. XXXX - Inquiry date : XX/XX/XXXX 15. XXXX XXXX - Inquiry date : XX/XX/XXXX 16. XXXX - Inquiry date : XX/XX/XXXX 17. XXXX - Inquiry date : XX/XX/XXXX 18. XXXX  XXXX - Inquiry date : XX/XX/XXXX 19. XXXX XXXX - Inquiry date : XX/XX/XXXX 20. XXXX - Inquiry date : XX/XX/XXXX 21. XXXX XXXX - Inquiry date : XX/XX/XXXX 22. XXXX - Inquiry date :XX/XX/XXXX XXXX : All Not Authorized 1. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 2. XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 3. XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX 4. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 5. XXXX - XXXX - Inquiry date : XX/XX/XXXX 6. XXXX XXXX - Inquiry date : XX/XX/XXXX 7. XXXX - Inquiry date : XX/XX/XXXX 8. XXXX XXXX XXXX  XXXX - Inquiry date : XX/XX/XXXX 9. XXXX - Inquiry date : XX/XX/XXXX 10. XXXX XXXX - Inquiry date : XX/XX/XXXX 11. XXXX XXXX - Inquiry date : XX/XX/XXXX 12. XXXX XXXX - Inquiry date : XX/XX/XXXX 13. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX Please help me with this. This is ridiculous and no one on either side seems to want to help. Thank you.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles handling of disputes, particularly in light of recent cfpb lawsuits highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate claim adequately. they informed me that recovering lost funds was impossible and tracking these was unfeasible. The cpfb findings indicate that zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Mortgage Services - XXXX and XX/XX/2021. Inaccurate reporting of late payments. Account was in forbearance due to COVID 19. See attached letter confirming.
Product: Credit card or prepaid card

I 've spent the last 6-8 months setting up payments with this company. 
they either lock me out of my account for two hours at a time. and i have to change my password every time. i have to call and manually make my payment. i was given the wrong information to post a payment and make my account current. this card charges me XXXX a month just to use it. i have gone late on one payment and i ca n't even log in to make it. my credit score just dropped 49 points because of this. its becoming a nightmare and i feel this a scam of a credit card.
Product: Debt collection

Because the information provided does not comply or include my signature on any of your documents. I have no debt responsibility with you and I do not know the previous debtor. Please send documentation that really validates my debt or PRA must immediately remove it from your system and even more important from my credit bureau. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to address a review of my recent credit report from your bureau. Upon careful examination, I noticed reported late payments on my account, which I believe are incorrect. I have taken steps to verify any delayed payments and am pleased to inform you that other credit bureaus have already removed this late payments from their records. I am puzzled by the discrepancy between your bureau 's report and the others. 

XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 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, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Product: Money transfer, virtual currency, or money service

I opened my account this year on wise.com. My account got deactivated on XXXX XXXX for no reason communicated, and my XXXX $ got stuck on it. I applied for refund after that but no money was refunded till date. It's been about 5 months and after asking them many times, money has not been refunded to me. Please remove this website as they are using corrupt practices to steal people 's money. They are thieves that playing with people 's emotions and teasing them by looting them, and ignoring theirs emails after the SCAM.
Product: Debt collection

I was the victim of identity theft a few years ago since I lost my documents and those of my partner. As a result, they stole the information of both and used it to rent an apartment. Debt that now affects both of us. The National Credit Systems collection agency is trying to collect these debts and they send me constant letters. I have called to report it as a fraud but I have not obtained good results.
Product: Student loan

RE : MOHELA servicing. I have important inquiry while I was reviewing my eligibility for public service loan forgiveness, I discovered a mistake on my remaining qualifying payments. My employer, XXXX XXXX XXXX XXXX XXXX. Date of XXXX : XX/XX/2010 My query is why my debts have not been forgiven despite the fact that I have fulfilled all of the prerequisites that are required by the program. its being several month i have not receive a response from them can you please help me resolve this matter?
Product: Debt collection

I had an issue with my XXXX card in XXXX, a moving company overcharged me for services. I disputed the amount and refused to pay the moving company charge, which is being falsely reported as {$2600.00}. XXXX XXXX  then sold it to portfolio recovery associates and they have falsely reported to the credit reporting companies that the debt accrued on XX/XX/XXXX even though their own statement states that the last payment on the account was XX/XX/XXXX. Portfolio recovery calls me every day on both my personal and business lines. I want them to remove this from my credit report, and to stop calling me on both my personal and business lines
Product: Money transfer, virtual currency, or money service

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

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX and followed up on XX/XX/XXXX. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Section 611 ( 15 U.S.C . 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable.

Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction.
Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately. 
XXXX. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions.
Product: Credit card or prepaid card

In XXXX I got a credit card and making my monthly payments on time, but in XX/XX/XXXX, because of the COVID-19 pandemic, I lost my job. I was XXXX XXXX XXXX XXXX XXXX prior to the pandemic but I couldn't go to work because my clients were old and were scared to catch this new disease. I contacted the bank to arrange the payments, but they did not agree to help me. 7 months ago, my husband was diagnosed with XXXX, and he has not been working since then. The bank sold my debt to a law firm and they want to send me to court in XX/XX/XXXX. I want to pay my debt, but I only can make little payments because my financial situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION dropped my score XXXX points on XX/XX/XXXX from XXXX. I am a nurse and I watch my scores everyday. I have had perfect payments for two years. I needed a loan from the pandemic and this drop stopped me from getting a needed loan. The drop in score of XXXX points HAD NO ACCOUNT ATTACHED TO IT AS ALL ACCOUNTS WERE PERFECT FIR LAST TWO YEARS. I CALLED TRANSUNION AND SPOKE WITH XXXX A SUPERVISOR ON XX/XX/XXXX XXXX and requested he tell me which account the drop was attached to so I could dispute it. He said hire a credit counselor after he said there was nothing to support a drop. I CAN NOT DISPUTE A XXXX POINT DROP NOT ATTACHED TO ACCOUNT!!! I SHOULD BE ABLE TO KNOW OR IT SHOULD BE OBVIOUS - I NEED THIS CORRECTED AT LEAST TO KNOW WHAT ACCOUNT CAUSED SCORE OR I CAN NOT FIX THIS EGREGIOUS ERROR!! Please HELP!!
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX 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 card

I opened Citi XXXX XXXX credit card. After account opening Citi bank requested documents from me, ssa-89 form. I've sent the form, they received form on time. They reopened my account once they've found out that they have received. But another department of Citi bank closed the account stating that they've never received document, despite the fact that I sent the form. Please help file a complaint against Citi bank in this regard. I did everything they've requested. Whenever I called them they wouldn't tell that I need to send separate letter to another department. So I thought my account was ok. 
Thank you
Product: Credit reporting

Inquiries were deleted and reinserted with no prior notification that this would happen ... as well as asked for written validation and source of public record and NOTHING ... this is in violation of the FCRA and violates my rights
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX  - XXXX - XX/XX/year> - {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My loancare keep reporting false information to credit reports. These false reporting cost me jobs and personal and car loans. I have only 4 or 5 on time payment past 2 years reported which is false. Update correctly loan balance they got XXXX or XXXX + on credit report but XXXX on website and paper work XXXX. XXXX XXXX paid. 
XXXX paid. XXXX paid XXXX paid. XXXX paid XXXX paid. XXXX paid XXXX paid. XXXX paid. 
XXXX paid. XXXX paid XXXX paid XXXX paid XXXX paid
Product: Credit card or prepaid card

Bank of America revoked my credit card without any explanation and deny to issue new credit card. I have been Bank of America customer for 21 years and always used their cards and services without any late payment or mis use of their services and have credit score of above 840. Their customer service is not knowledgeable and able to resolve the issue after one year of calling back and forth.
Product: Credit reporting or other personal consumer reports

This is not my bill and I told them I wanted a letter of verification. I was not paying for fraudulent charges. They won't stop calling and emailing. It's several times a day.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXXXXXX XXXX XXXX # XXXX I do not have an account with XXXX XXXXXXXX XXXX XXXX I was never provided with any contract! This is a violation of the fair credit reporting act please remove immediately or else I will seek XXXX XXXX of {$1000.00} for each violation.
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 violates the Customer 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 activities have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

They continually call me during the day ( more than XXXX times ) on my cell. They have also called both of my sisters, which I am not sure as to how they got their phone numbers. This is over a debt of {$120.00} for apartment cleaning charges. I am making payments on the debt owed. Current balance is {$50.00}. I refuse to pay the whole amount at once to them. They can get it in payments ... but as long as they are receiving payments, I was unaware they could call continuously.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes ( XX/XX/18 ), Equifax, XXXX, XXXX  have not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation.
Product: Credit reporting or other personal consumer reports

SENT CERTIFIED LETTERS TO ALL 3 BUREAUS TO UPDATE ALL MY PERSONAL INFORMATION ON MY CONSUMER REPORT. THEY ARE ALL REPORTING FAKE ADDRESSES/NAMES/EMPLOYEEMENT THATS HURTING MY CONSUMER REPORT. ALL WERE NOTIFIED OVER 30 DAYS AGO CORRECT INFORMATION NAME : XXXX XXXX XXXX EMPLOYEEMENT ; XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB : XXXX