23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX XXXX XXXX XXXX, SELF 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My name is and I am not filing this claim in the XXXX person. I am a living man whose privacy rights have been violated. The accounts listed below have been reporting to my personal report and has had a negative effect on my life, extremely reducing the ability obtaining any credit in my name. 
XXXX XXXX XXXX XXXX XXXX  {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$4000.00} INQUIIES : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I HAVE ASKED THESE COMPANIES TO VALIDATE AND SEND PROOF THAT THESE ACCOUNTS BELONG TO ME WITH CONTRACTS I SIGNED IN WET SIGNATURES. SO FAR THEY HAVE NOT DONE THIS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account ( XXXX ) on my Experian report that has inaccurate and incomplete information. 

I have been disputing with Experian to have the account deleted due to these inaccuracies yet, the report keeps coming back verified as being my account and that's never been my dispute. 

I also asked for the method and contact information of the furnisher of data as part of the investigation of my dispute and I never received what I requested. 

Even though the account was disputed, the ( Furnisher ) has not reported it as such in the comment section. It shows a Consumer Statement item disputed by consumer. But I never submitted a statement to Experian other than my disputes. 
Its the furnishers responsibility to post that comment in the comment section not Experian. 

Last Reported : shows XX/XX/XXXX for Experian and XX/XX/XXXX for XXXX. It should be reporting after each dispute if an investigation was actually done. Again, the comment of Consumer Disputes should be reflected by the furnisher and it is not. 

Actual Payment Amount : Experian is reporting {$21000.00} and XXXX  is reporting {$16000.00}, and. The data does not match and is grossly different and therefore can not be reporting accurately. In addition, my payment was never any of those numbers. 
Charge Off Amount : Experian is reporting {$21000.00}, the account was opened in XXXX of XXXX at {$21000.00} and was Charged-off four years later at {$21000.00}. Thats definitely not accurate, yet they have continued to report that false information on my credit report for years and refuse to correct it. 

Date Last Active : Shows XX/XX/XXXX for Experian and XX/XX/XXXX for XXXX. Thats a four year difference. So how can that be accurate reporting? 

Date of Last Payment : Experian is reporting XX/XX/XXXX. However, it also reporting Charged Off as of XX/XX/XXXX. How can that be accurate and complete reporting especially since I never made a payment to XXXX in XXXX. 

Payment History : Experian is reporting 14 months consecutively as Charge-Off. The account was Closed on XX/XX/XXXX. Yet its reporting a payment status after the account was closed. Which is yet another violation of my rights under the FCRA Term Duration : Experian is reporting it as ( 80 months ), XXXX  is reporting it as ( 8 months ) and therefore the data is being reported inaccurately. 

Lastly, the contact information is different. on Experian it says XXXX XXXX phone number XXXX. Address is XXXX XXXX XXXX XXXX XXXX TX XXXX On XXXX  it shows XXXX as the contact. Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX, XXXX and a different phone number XXXX. 
So which one is the factual data? Why two different contacts for the same account?
Product: Consumer Loan

In XXXX of 2014, I started working for XXXX as a driver. They had a partnership with Santander Consumer USA to provide affordable loans to new drivers with new cars. I was under the impression that it was a monthly lease, and it turns out to be a weekly lease, and the payment is n't even recorded on my credit report. So I end up paying out {$800.00} a month for a XXXX 

I 've contacted Santander Consumer USA and they do n't refinance. I 've looked into an investigation that the Attorney General 's office has done and found that they were offering subprime loans of a predatory nature. The AG 's office has suggested I contact you as well, so I am.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX
Product: Credit card or prepaid card

On XXXX, I placed a charge for a refrigerator from the XXXX XXXX -Order # XXXX, {$800.00}. On delivery date of the refrigerator, XXXX, I was delivered a wrong refrigerator. It was a cheaper model that I did not want or ordered. I told the delivery driver about the mistake, but he just took off. I spent at least an hour on 4 calls with the XXXX XXXX to sort things out. I called on XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. I wanted the higher price model I paid for and the wrong refrigerator picked up. I was told that I was getting a refund for the refrigerator instead but that never happened after 4 calls in over a month. 

Citibank required me to get a credit memo from the XXXX XXXX before providing any form of assistant. Getting a credit memo from the XXXX XXXX is not possible per the customer representative.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute regarding the inaccurate and misleading information on my credit report. I have recently reviewed my credit report and have identified a significant error in the reporting of four accounts held by XXXX XXXX, each identified by the following account numbers : # XXXX, # XXXX, # XXXX, and # XXXX. It has come to my attention that these accounts are erroneously listed as " open '' when they are, in fact, collections accounts, which should not report as open. 

I respectfully request that you investigate this matter promptly and take the necessary steps to correct the reporting inaccuracies on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The incorrect reporting of these accounts as open severely affects my credit score and financial standing. 

I urge you to take the following actions : Initiate a thorough investigation into the reporting status of the aforementioned XXXX XXXX  accounts. 
Immediately delete these misleading entries from my credit report. 
As per the FCRA, it is your responsibility to conduct an investigation within 30 days of receiving this dispute. I expect a swift resolution to this matter in compliance with federal law. The accurate reporting of my credit information is of paramount importance to my financial well-being, and I believe that addressing these discrepancies is vital in maintaining the integrity of my credit report. 

I kindly request that you provide me with written confirmation once this dispute has been resolved, and the necessary corrections and deletions have been made to my credit report. 

Thank you for your immediate attention to this issue. I trust that you will act promptly and decisively to rectify these inaccuracies and ensure the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX. I am an victim of identity Theft and did not make the charges. Please take a look at the fraudulent accounts and remove them as quickly as possible.
Product: Payday loan, title loan, or personal loan

On XX/XX/21 I spoke was a rep at the number of XXXX who took a payment from me in the amount of XXXX ( the payment has since then come out my account and also I was give a reference number via text XXXX. I received a call today from a XXXX from XXXX calling about the payment. When I tried to advise her that I made the payment and the payment already came out my acct. She basically called me a liar. I tried to give her the reference number & she again continue to talk over me. I ask her for the head number gave me a number of XXXX. I called that number and the rep said that she can open up a ticket. I called back and spoke with a XXXX who stated that she can file a complaint. No one was willing to listen to me nor find my payment. I have my bank statement were the money came out my account.
Product: Money transfer, virtual currency, or money service

On XX/XX/23, I attempted to withdraw my earnings I had made from two separate sales I completed on Mercari. Mercari is similiar to XXXX. Despite the fact that their website says that identity verification is not required in order for a seller to withdraw their earnings via direct deposit transfer, Mercari is requiring me to submit identity verification documents in order to withdraw my earnings. They currently have my account restricted leaving me unable to access any of my earnings available in my mercari account, a total of {$180.00}. I have submitted identity verification documents now three times, the first two times they said it couldnt be verified since they claimed my id photo on my drivers license didnt match my selfie. Finally the last time I submitted the requested documents, I had gone to the DMV and gotten a new drivers license with an updated photo. I was also required to verify personal information such as my social security number, address, and date of birth. All of which was verified correctly. On XX/XX/23 I submitted my identity documents via the app and received an email moments after stating my identity verification was successful which should have restored my account access to non restricted. Except for whatever reason my account is STILL limited leaving my unable to withdraw my money and says my identity verification is under review. This is absolutely unacceptable and totally illegal what they are doing. I have not violated any terms of the user agreement, I have provided all requested identity verification documentation, verified personal identifying information, all of which is more than sufficient proof to verify someones identity. Especially considering none of that is even required in order to simply transfer my earnings via direct deposit. They are wrongfully holding my money which is owed to me and threatened to close my account with my balance. This seems to be a common practice of Mercari, illegally and wrongfully withholding users earnings without any legitimate reason. I need someone to speak to Mercari on my behalf bc their support agents have not been helpful and have only repeatedly told me to resubmit the same documents which I have already sent in numerous times. There is no reason if I received a notification and email from Mercari saying my identity verification was approved that the app should still list my account as restricted. When I try to withdraw my balance it says I need to verify my identity but as I have said, I have already done that. They have now illegally held my money for over a month and I desperately need access to my earnings which are legally owed to me. The support agent who has been in touch with me is named XXXX XXXX and the other is named XXXX XXXX I would like to have full access to my Mercari account and have this ridiculous restriction on my account removed so that I can finally transfer my money off off their platform. Screenshots are included.
Product: Payday loan, title loan, personal loan, or advance loan

World finance at XXXX XXXX XXXX, XXXX Texas XXXX. I have a small personal loan with them and they call me three and four times a day. I looked it up and they are supposed to only call me seven times in a consecutive seven day period, at this point it is harassment.
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 ). Specially, 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 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. 

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

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

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

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

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

This account XXXX  act # XXXX is reporting on my credit report when I filed an identity theft report on this account. I received a letter from the company stating this would be removed and its still reporting. The date opened is different days reported on each agency. The high credit limit reporting is incorrect on all the reports their all different amounts. Last date active is incorrect as they put the item back on my report after reporting it and changed it to active. I want this account removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion 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 for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$48000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXalance : {$4300.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I filed a dispute against XXXX XXXX with Chime. I ordered nail products and recieved fake flowers. The transaction amount is {$84.00}. The dispute has been opened and closed XXXX times with the determination that " no error has occurred ''. Chime has not been able to provide me with the full detail supporting documents which I have requested numerous times. I am entitled to receive the documents XXXX business days after opening the dispute. I received the document from chime 2 months later and it was XXXX of the tracking ID showing item was delivered. I have provided XXXX items as supporting documents to XXXX. I have spoken to numerous call center representatives as well as supervisors and had the call disconnected twice by supervisor as I was providing details of the case. I have returned the merchant 's items on XX/XX/23 in which emailed the receipt as well a a screenshot of the tracking showing item was delivered to merchant. I do not believe Chime has conducted an investigation as they are unable to provide detailed supporting documentation which would indicate how the dispute was determined.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
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 the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. THE CFFB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving people open for scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety..
Product: Checking or savings account

Hello, I have been a PNC Bank customer for over 10 years, maintaining a checking account and a savings account. A few months ago, approximately XX/XX/XXXX, I noticed service charges being deducted from my checking account as my balance went below the {$5000.00} required minimum. Upon further review of my account, I noticed my account went below the minimum starting XX/XX/XXXX, and PNC Bank has been charging {$25.00} a month on my checking account till date. A total of {$370.00}. In fact, the charges resulted in my checking account going down to XXXX   balance and PNC started taking funds from my savings account for the monthly service charges. 

In XX/XX/XXXX, I called PNC customer service to fix the issues and potentially get the bank charges waived. After spending over 30 minutes on the phone with the representative, she told me she did not have the authority to waive the charges and I have to call on monday. She offered to change my account type to stop the bank charges which I agreed to. I called PNC on monday and I got the same response that the charges could not be waived. This was also after being put on hold for another 30 minutes. During the call, I found out the representative I spoke with the previous day was a supervisor and could have processed a fee waiver. 

On XX/XX/XXXX, I checked my account again and noticed the bank charges were still being deducted from my saving to payoff the charges in my checking account despite my account type being changed to stop the charges. I called customer service to resolve the problem but they hanged up on me. I called PNC again this time to close my account and relationship with PNC. The representative put me on another hold for 30 minutes till they hanged up on me. I called again for the 3rd time on XX/XX/XXXX, only to be told I can not close my account because there are some pending charges on the account. 

I want to formally file this complaint with the CFPB so PNC can refund the bank charges of {$370.00} or part of it. The bank charges applied to my account were unfair, deceptive, and abusive, especially after my account type was supposed to have been changed so avoid the late charges.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX