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

In accordance with the FAIR CREDIT REPORTING ACT. The List of accounts below have violated my federally protected CONSUMER RIGHTS to privacy and confidentiality under 15 USC 1681. 

XXXXXX/XX/XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A. Section 2, States a consumer reporting agency can not furnish a account without my written instructions.

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

15 USC 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: Checking or savings account

Scam banking scam message about a bank account I do not own
Product: Debt collection

I was in the process of trying to buy a home in XX/XX/XXXX from XXXX and my credit credit was run by their finance department, my scores came back extremely low. So they showed me what was on my credit which was multiple credit card accounts that was not mine like Portfolio Recovery, etc. I filed a police report on identity theft with social security being compromised and sent it to the credit bureaus. I disputed all of them and only some of them were taken off my credit. But Portfolio Recovery remain with bill of sale paperwork from XXXX. Meanwhile, i was getting harassing calls from creditor, Portfolio recovery every day twice a day from XX/XX/XXXX till XX/XX/XXXX at work and home. I filled out an identity affividant with their company. Despite it all, in attempt effort to clear my name, they are now taking me to court for the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I received a letter from my bank stating that, after a revision of TransUnion, my credit score was XXXX. I never remembered it being this low, so I go on the TransUnion site. I put in my information, thinking I'm going to get a free report like XXXX or XXXX. I was little confused when it asked for credit card information, but it said it was for verification purposes, so I put the info in. Next thing I know I'm getting charged for {$26.00}. I called a rep, and he said it does say there will be a charge. Off to the right, in tiny font, in a window that looks like an advertisement, it says you're actually signing up for a subscription. I called the rep again, XXXX, and he stated he will close the account and issue me a refund. He said I would receive a confirmation, but nothing has arrived. This is terrible, and CFPB, you really need to do something about this. I've read hundred of complaints on the XXXX, XXXX XXXX, and other sites and I have seen that other people have experienced this same thing, and it would appear that nothing is being done. If your job is to protect consumers, you need to have TransUnion do something. They need to make it BOLD and CLEAR that you are buying a subscription service. They need to not put " this will be used for verification purposes ''. This is clearly deceptive and misleading. I have read about people having overcharges fees due to this nonsense. DO SOMETHING PLEASE!
Product: Credit reporting, credit repair services, or other personal consumer reports

CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) CC : XXXX XXXX XXXX XXXX XXXX XXXX  CC : Federal Trade Commission ( FTC ) CC : XXXX, Equifax, XXXX Dear XXXX, I am writing to dispute the charge-off that appears on my credit report for account XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report. 

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder. 

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous. 

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred. 
Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report. 

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, 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. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX. XXXX XXXX AUTO XXXX Account # XXXX, XXXX. XXXX XXXX XXXX Account number XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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: Debt collection

I received a letter from Diversified Consultants dated XXXX.19. On XXXX.19 sent a certified letter to Diversified disputing and explaining that I had already set up a monthly plan and had made payments, and that amount on their letter was not accurate. Instead of sending me the back up records they ignored my letter and reported this incorrectly to the credit bureaus.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I received a copy of my credit report and noticed several discrepancies on my credit report being reported as current addresses. I do not notice these accounts and never applied for them. I then reached out to Transunion, XXXX, and XXXX to let them know of the incorrect info they where reporting as well as to report that I do not own these accounts. An investigation was done and these accounts were verified and they even updated the personal information on these accounts from first being fraudulent information to now the correct information that does belong to me. How is that lawful? I mean to update an account with someones personal information after they had already told you the account didn't belong to them is wrong in so many ways. By doing research I found out how to submit a complaint through CFPB. However, after doing so these account where closed. Yet are still being reported on my credit report. I am in need of my report to be corrected so that I may be able to utilize my credit to move forward in life. Please help me!
Product: Checking or savings account

There was a charge on my account from somewhere in Wisconsin which Ive never been to. I disputed the charges because I never been to Wisconsin which my transitions on the same day prove I was in Georgia nor did I give this business authorization to take funds from my account. I got the companies information and called them. The owner told me that she allowed their customer to call someone on the phone and they gave my card number over the phone without a id or anything to verify who they were. I asked the name of the person she spoke with and I was told she didnt know. More importantly the signature, phone and address they provided on the paperwork doesnt match any of my information. I asked the company for a copy of the receipt so I can show Wells Fargo and the refused to provide it. I filed a dispute with Wells Fargo and they reversed the charges after about 9 days. I waited for someone to reach out to me ; however, I never received a call, email or letter regarding their investigation or the outcome so I figured it was completed. I wake up this morning and they deducted {$1300.00} from my account. I tried to contact them ; however, I havent gotten anyone to answer why they denied my claim or give me information on how to appeal their decision.
Product: Checking or savings account

On Monday, XX/XX/2021, I attempted to withdraw {$1000.00} from my savings account at an ATM on XXXX XXXX in XXXX, OH. XXXX through the transaction, during a loading screen, the machine hung on the loading screen for multiple minutes before crashing to a black screen, resetting, and not dispensing the funds. I contacted the bank and got a dispute opened immediately. The temporarily refunded the funds, but on Thursday XX/XX/XXXX I received a letter telling me that my claim had been denied and the funds were removed from my account. 

I called the number on the letter and the customer service representative could not tell me anything other than the " ATM was balanced, but it's possible they counted the wrong ATM. '' She was not able to provide documents used as evidence, nor footage from any of the multiple cameras in the area of the ATM. The only thing she did was collect more information and re-open the case, saying that it may be another month or two before I hear from them again.
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 Consumer Financial Protection Act ( CFPA ) specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlight significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Six calls in 2 minutes - XXXXXXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year>.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. The credit report showed credit Inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put Inquiry on my credit file unless I have authorized it. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Pursuant to 15 U.S. Code 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 U.S. Code 1681 is the same as it is under 15 U.S. Code 1602 ( l ) which is the term credit card means any card, plate, coupon book or other device existing for the purpose of obtaining money, property, labor or services on credit. Notice, Congress said Any card. The credit card is my Social Security card.This is the credit card I used to originate every consumer credit transaction.It should be removed from My consumer report with all Consumer Reporting Agencies : ( Equifax, XXXX, and XXXX  ) pursuant to 15 U.S. Code 1681a ( 2 ) ( B ). As a federal protected Consumer I am demanding that you remove this XXXX  from my Consumer report immediately with all the Consumer Reporting Agencies, as it is a violation of my rights as a federal Protected consumer under the title 15 chapter 41.

-XXXX  XXXX XXXX
Product: Money transfer, virtual currency, or money service

I purchased a recipes and the seller never sent over my order. Ive reached out to him several times and there was no response.
Product: Checking or savings account

On XX/XX/year>, I received an email stating that my paypal account was charged about {$600.00} from XXXX. This was not me, and it was unauthorized transaction. 
I know the company, but I have NOT used them for a long time. 
I informed Paypal that the transaction was unauthorized, and I also mentioned that my account at XXXX or Paypal might have been hacked/compromised, and the company ( XXXX ) might have the access to my paypal account as it could be linked as payment method on my account at XXXX. 
However, Paypal did NOT provide me any evidence or information regarding how this could have happened, and simply automatically refused to cancel the transaction, and called it " Not Unauthorized '' in under 24 hours. 
I believe their automated system simply refused my dispute request on the unauthorized transaction.. which is very disappointing. 
I really wished if Paypal actually looked into this issue, even review IP address at least, and find out that it wasn't me. I even changed password/email of my paypal account to prevent further damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a complaint 2 times with with XXXX abut this situation. XX/XX/XXXX & XX/XX/XXXX I requested proof of debt from Caine and Weiner from Progressive and they did not send proof if debt from Progressive until XX/XX/XXXX after they placed it on my credit report XX/XX/XXXX. By law I have the right to request the proof of the debt from the original creditor and they have to provide me with it it a timely fashion before reporting this debt on my credit report! This company failed to provide me with the necessary paperwork after requesting it for 2 months straight. It is unlawful and downright disgusting and every time I call to handle the matter I am being sent to voicemail. I will take legal action if necessary.
Product: Credit card or prepaid card

They offered me a credit card with a {$200.00} bonus credit if I spent {$1500.00} dollars. As well as fairly high cash back numbers on certain purchases. 
I spent the money but instead of giving me the cash back, they gave me " bonus points '' which are not worth the {$200.00} because you can only spend them on gift cards with a huge surcharge. for instance it costs {$30.00} worth of points to puchase a prepaid " digital '' credit card with {$25.00} on it. And this card aside from being impossible to use outside the internet, expires in 6 months. Presumably the company just keeps any unspent money. 

I spoke to a XXXX. ( after 4 day of trying to contact them ) She had a horrible accent and just told me " too bad, that credit card doesnt give money back '' then refused to give me her supervisor.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

The web portal for Mr. cooper powered by service mac is not working and has not been for a long while. They list no contact number, the only option for support is chat. When progressing through a chat to get to a real representative, the chat has an error and closes. 

I can not reach them to make a payment or to ensure my taxes and insurance are being properly paid via escrow.
Product: Debt collection

I have a zombie second mortgage I'm being sued for in the county I live it. The property went into default in XXXX and it was foreclosed on in XXXX. I was evicted from the property and have not heard anything on this debt from XXXX. I have since moved on and was not aware of this debt. It was removed from my credit history and I have been able to rebuild my credit and purchase a new home. 

The suit claims it is with XXXXXXXX XXXX XXXXXXXX. Even though I was working with XXXX XXXX at the time to refinance the mortgage. However, in XXXX I received a car loan from that same bank. They didn't flag my information at that time to inform me that I owed XXXXXXXX XXXX XXXX. 

I though this mortgage crisis was behind all of us. The banks got away with it. None of them when to jail for mortgage fraud or predatory lending. The servicers didn't work with borrowers in good faith at the time of this crisis. So much for HAMP and 2MP. The banks get the bail out and we still have to deal with the mess 14 years later.
Product: Debt collection

I settled the debt with Penn Credit Corp in 2012 in the amount of {$210.00}. It has recently hit my credit report as an active open collections account. I need to know how to have it marked as closed or removed from my report all together.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a direct confirmation that I have tried for a number of times to find a resolution with this company in regards to fraudulent accounts and Inquiries they are reporting but to my surprise, this company still insist on reporting these fraudulent accounts & Inquiries even after providing detailed proof that I am a VICTIM OF IDENTITY FRAUD and DID NOT BENEFIT with anything whatsoever from these accounts & Inquiries. Fraudulent Accounts? 1. 
XXXX, Account # XXXX 2. XXXX XXXX  XXXX, Account # XXXX 3. XXXX XXXX, Account # XXXXXXXX 4. XXXX XXXX, Account # XXXX Fraudulent Inquiries!? 1. 
XXXX XXXX  XXXX Date Filed XX/XX/XXXX 2. XXXX XXXX XXXX Date Filed XX/XX/XXXX 3. XXXX Date Filed XX/XX/XXXX XXXX. XXXX XXXX Date Filed XX/XX/XXXX 5. XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX. XXXX Date Filed XX/XX/XXXX XXXX. 
XXXX Date Filed XX/XX/XXXX XXXX. XXXX Date Filed XX/XX/XXXX I still wonder why are you reporting, contrary to that law that states : Fraudulent accounts to be removed within 4 days from receiving proof. PLEASE DELETE ASAP This is my final intent to resolve since I have all the documents ready to file a lawsuit against this company. I first disputed this fraudulent account with them on XXXX but to my surprise, they responded by even duplicating some of the accounts and Affecting my credit score even higher than before my dispute. Yet another final time before the court of law, The following accounts are Fraudulent and require removal from my report : I am attaching : 1. My earlier Dispute letter to them 2.My FTC report
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX D  XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. 
I would like any and all fraud alerts or Credit Freezes removed from my credit report. I am having issues with my credit file reporting correctly. I have two XXXX XXXX XXXX-XXXX-XXXX-XXXX, XXXX XXXX XXXX-XXXX-XXXX- XXXX. I also have a XXXX XXXX accounts yet NONE are reporting and it is impacting my credit score. Not sure if there is an issue as to why its not reporting correctly.
Product: Credit reporting or other personal consumer reports

I did not authorize any of these inquiries : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + All Banks XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX  XXXX XXXX 
XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX + Television & Radio XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX + Credit Unions CERTIFIED CREDIT REP Inquiry : XXXX. XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + All Banks XXXX Inquiry : XXXX XXXX, XXXX + All Banks ( XXXX ) XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXXXXXX - XXXX XXXX  Inquiry : XXXX XXXX, XXXX + All Banks ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX  XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX
Product: Prepaid card

A transfer of {$1400.00} was made from my account, I contacted PayPal about the transaction that the money had been sent to a locked account and I requested for a refund but they told me there is nothing they can do about it, they said the money is gone, I sent them several proofs that the recipient account has been permanently locked and they should help with my refund of money but no response
Product: Checking or savings account

Account was closed XXXX, account closed was not going to receive any type of deposits but bank still accepted ssi check and my job check. Now they dont want to give me my money
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These items must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX, XXXX, MI, XXXX XXXX XXXX, XXXX, MI, XXXX, Bankruptcy XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  Identifier : XXXX Date Filed : XX/XX/2016, XXXX XXXX XXXX XXXX, XXXX, MI, XXXX, XXXX  XXXX  XXXX XXXX XXXX : {$30000.00},