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

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

first time using they keep saying i havevanother account hardly know about cash app i have children grands I used a cash app card on XX/XX/22, it took 2 hours to get .monies then they took monies when i transferred to banki had no clue about, XX/XX/22 today niece sent monies to me and {$25.00} at XXXX XXXX havent received it, phone # is a Message # which hangs up after message, but its 24/7 they say. but i was trying to get help they say they call and she did and said i cant help u i need phone number or email she would not use email she kept asking for cell number i have a landline which tney can still verify, she refuse to use email, and after 40 mins she hung up. So i need to pay a bill tomorrow too late and its another fee, in senior, fixed income and cant pay my bill.very sad i have been scammed looks like the $ is supposed to be ready as soon as its sent it was not! .omg im tired of this i have landline & email i do not want to be forced to use a cell phone. 


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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 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 CFPBS 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

This fraudulent worthless company lied again with another you can view on line AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Checking or savings account

I purchased something on my debit card totaling {$850.00} XXXX XXXX XXXX XXXX on are about XX/XX/20. The merchant failed to deliver the goods or the service. I contacted pnc on XXXX to dispute the transaction. They have failed to act or do anything to resolve this issue. 

The case number PNC provided is XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) tyo conduct a reasonable re investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Payday loan, title loan, or personal loan

Date is XX/XX/2021 Am  XXXX XXXX from XXXX Texas XXXX the complaint is about Power Finance Texas was sent to you via mail about the company Power Finance Texas about getting wrong Information about me about obtaining for some payday/loan. 
never got a reply twice. 
Today found go another saying they can not approve service at this time date XX/XX/2021. 
The denial is Dated is XX/XX/2021. 
The date XX/XX/2021 falls on a Friday I never tried to apply I call the abuse they need to stop and it is XXXX XXXX XXXX this abuse Am willing to fill a lawsuit against this company for for damages and abuse obtaining bogus pay/loan.
Product: Credit reporting or other personal consumer reports

Duty pursuant to the FCRA, it is TRANSUNION 's to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 2 unauthorised Hard enquiries on my account which are : XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX  on XX/XX/XXXX. I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given TRANSUNION any right to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these FRAUDULANT Enquiries on my consumer report and file. It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Are furnishing late payments in my credit report, this is XXXX And has violated my rights as : 15 U.S Code 1666b- TIMING IF PAYMENTS, as it states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

15 U.S Code 1681a- Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term consumer report doesnt not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without MY written instructions
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to unfair practices and incompetent customer service. This violates the Consumer Financial Protection Act ( CFPA ). Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account unprotected and vulnerable. Their despite resolution process was deceptive because they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused inconvenience and significant financial loss.
Product: Credit card

Synchrony Bank. I just Received notice that could continue to receive a paper statement but there will be a {$1.00} charge added to my account. Synchrony Bank is beginning in XXXX of 2025 to charge customers {$1.00} just to receive a paper statement bill. They charge 34.99 % now and you cant even get a paper statement from them as part of doing business. What if I did not have an email address like some people. Based on principle I have closed some of my accounts with Synchrony Bank, my Sams, Lowes and XXXX  XXXX  accounts. Synchrony Bank should be ashamed of themselves. Please assist with making this credit card company not take additional advantage of people.
Product: Mortgage

Mr. cooper is a third class money hungry, greedy company. I applied for financial hardship on XX/XX/2020, after one month of deliberation, dragging my case and unnecessarily asking me for the documents which were not required they have come up with a six months forbearance program in which I have to pay them {$160.00} every month for six months, they have come to a conclusion that I have no financial difficulty, are they out of their mind? I have provided them food stamps letter from the county and also my unemployment letter from the state and they are saying I have no permanent financial difficulty, which illiterate is underwriting their loan terms and conditions. In this epidemic of coronavirus how can they say that I have no financial difficulty. The whole economy has collapsed, so where will I make my money from? 


They still want 5 % interest from me and {$1900.00} just in interest every month, this is ridiculous. 

And top of all they will report me delinquent to the credit bureaus each month for the next six months and at the end of six months of forbearance I will have to pay a whopping amount of {$18000.00}, is Mr Cooper out of their mind? Since XX/XX/2020 since I applied for the hardship I am telling them to give me a permanent solution to the mortgage problem as I am hit really hard from Coronavirus and also going through an active divorce, so how can they ignore all this. After one month of deliberation they have come up this with this senseless forbearance program which doesn't make any sense. It just tells that how greedy they are and they just want money and do not care about people.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX  XXXXXXXX XXXX account XXXX XXXX XXXX XXXX XXXX account number XXXX All have violated my rights. 
15 U.S.C 1681 section 602 A. states I have the right to privacy.

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

I found this address on my credit report and i have never stayed in Colorado i think somebody trying to open an account using my information XXXX, CO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I used credit karma to receive my free credit report for the first time. The site was unable to verify that I am who I say I am because I have no idea as to what the answers are to verify my report. I have never seen any of the questions before in my life because I don't have anything in my name. I believe someone has been using my identity and now I have no idea what they did to my credit report. Please help me figure this all out.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights.

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

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

Debt was sold to a collection  Agency  and is not mine nor accurate ... ..
Product: Credit card or prepaid card

Chase notified me by a telephone call that my account was overdue by two months. I immediately made the payment owed plus the late fees and contacted them because my paper statements stopped being delivered to my mailbox. I was told that I opted for paperless billing several months before. I explained that I do not remember doing this, nor would I ever have done this as I have a memory problem that I see a XXXXXXXX  for. I explained that I have not been late or defaulted on any debt in my XXXX years and that this was clearly a mistake and their reporting my being late by two months was adversely affecting my credit score and the rate I am getting on a mortgage I am in the process of obtaining. I was told that they do not give courtesy adjustments. I continued to explain that I would not willingly switch to paperless billing due to my memory problem that I would gladly submit a letter about from my XXXX. The fact is that I need the statement to remember to pay the bill. Chase and other lenders employ a deception practice of phrasing questions when you log in online that result in you turning off your paper statement generation when you really do not want to. This is unfair, deceptive and should not be a pop up question every time you log into your account. It should be an option you select, not a question you answer. I would like Chase to review their practices with the understanding that their pop up question can be confusing for many customers and can result in the ruining of one 's credit. Again, this should not be a pop up question when you log in that serves no other purpose than to save Chase money on postage and paper.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXX
Product: Vehicle loan or lease

On XX/XX/2017 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Product: Money transfer, virtual currency, or money service

I tried to send money to my wife XXXX to my wife but it got sent to the wrong person before the warning prompt was created.
Product: Debt collection

I am filing for bankruptcy and Portfolio Recovery continues to contact both myself and my wife. I have given them my lawyers contact information and told them that any further communication should go through them. When they call I tell them again that all communication needs to go though my lawyer, they say they wont be able to continue the call until they verify my information and keep saying that over and over.
Product: Credit reporting or other personal consumer reports

Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States XXXX Law ( TILA XXXX XXXXXXXX XXXX  XXXX ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section XXXX XXXX XXXX ( XXXX ) Ai, XXXX XXXX XXXX, and XXXX ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section XXXXXXXX XXXX XXXXXXXX. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA XXXX XXXX - Civil Liability for XXXX XXXX FCRA Section XXXX ( XXXX ) ( XXXX ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA XXXX XXXX ( a ) ( XXXX ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations XXXX  XXXX ( g ) ( XXXX ) ( A ) XXXX XXXX I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.
Product: Credit reporting

In XXXX 2016 and again in XXXX 2016, someone stole my XXXX XXXX credit card number and charged in excess of {$2000.00} in clothing. I reported XXXX of these cases of identity theft to XXXX XXXX, my local police department, each credit bureau and the FTC. XXXX XXXX claims they are investigating the identity theft. In spite of this investigation, XXXX XXXX continues to have their collection department call me and now they have placed a negative " 30 day late payment '' on my credit bureau accounts. I have REPEATEDLY called XXXX XXXX to try and get this resolved to no avail. Please assist me.
Product: Debt collection

THE LENDER SOLD THE DEBT TO DEBT COLLECTOR AND MY INFORMATION WITHOUT MY CONSENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I reported to Transunion XXXX and XXXX the fact the XXXX XXXX XXXX XXXX XXXX XXXX XXXX entered into litigation due to their fraudulant breach stealing of my money. 

I uploaded the court documents to substantiate the judges comments and the fact that the case was open and at this time the creditor should cease reporting derogatory information XXXX, reported the account as of XX/XX/XXXX as a charge off after I commenced the law suit, I advised all three agencies that they are not reporting correctly. Despite documents which included civil suit documents they reached out to the creditor. they not only did remove the derogatory but they updated the charge off date to XX/XX/XXXX Transunion dispute was entered on XX/XX/XXXX and they spent 60 days before updating my credit report via my dispute that i mailed them certified. The credit company and the creditor can not change the terms as it is suits them to continue to update their information to make it stay longer in derogatory status. 

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

A creditor has claimed to me that he had send an invoice from Binance to be deposited into my checking account. 
i have not received any transfer of the invoice from Binance.
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. 

Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXXR Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I applied for a mortgage loan with Navy Federal Credit Union XX/XX/2019 and submitted all financial information that was required. I've spoken with XXXX XXXX and XXXX XXXX several times my file hasn't been underwritten nor has the appraisal been ordered. The builder is requiring me to pay {$75.00} a day until the loan closes if it doesn't closes by XX/XX/2019. I feel my file was set to the side and wasn't processed for a mortgage loan. Requested a pre-approval letter or conditional approval for the builder, they are refusing to provide that information. I have no credit issues or concerns that would hinder me from being able to acquire the loan. I feel that because we are a young XXXX couple that we are being targeted not being fairly treated in this process. I was also informed by XXXX XXXX the XXXX came back not as no hit, information filled out by Navy Federal to obtain that information didn't match the information on tax documents, it has to match for IRS to send the report. I went to Navy Federal for their mortgage services. I haven't been provided those services and clearly someone lack the ability to process financial information, verify information and secure the customer a mortgage loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

If Transunion dont remove this negative inaccurate accounts immediately We are going to arbitration XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to update you on my ongoing situation with a credit agency. Despite my numerous attempts to rectify the errors by certified US postal mail, I have only received a generic stall letter. The credibility of my correspondence has been questioned and the agency has indicated that further verification is required when I clearly provide three forms of identification. My unfortunate discovery is that this agency may be resorting to unlawful tactics to delay the resolution of my debt claim. I understand that the debt collection industry is notorious for using predatory tactics to exert pressure on people to pay debts that they are not obligated to pay, and I believe that this is what is happening to me as well. 

Despite my attempts to communicate with the data furnisher, they have failed to provide any substantial evidence to support their claim. This led me to request that the credit reporting agency launch an investigation into the matter to ascertain the validity of the debt being reported. 

It is my belief that the agency is employing stall tactics to avoid investigating my dispute. The two generic email I received outlined frivolous reasons why my investigation would not be looked into.
Product: Checking or savings account

Wells Fargo Raised limit on a secured credit card without my authorization XX/XX/XXXX The Mortgage dept did a credit inquiry without my authorization XX/XX/XXXX WF signed me up for overdraft protection and connected it to a WF CC without my authorization, XXXX WF took off overdraft protection end of XX/XX/XXXX without my authorization I deposited a paper payroll check on XX/XX/XXXX and there were insufficient funds, no overdraft protection WF put a hold on the payroll check from XXXX WF put overdraft protection back on my acct XX/XX/XXXX connected to a WF CC until XX/XX/XXXX without my authorization and then it was removed without my knowledge XX/XX/XXXX Recvd letter WF enrolled me in a XXXX party Affinion product, identity theft protection policy from XXXX ( they wont disclose the monthly charge nor give me bank statements ) XX/XX/XXXX Recvd letter WF enrolled me in a XXXX party affinion product, Accidental death policy from XXXX. 
XX/XX/XXXX Recvd a letter WF enrolled me in a XXXX party affinion product, Credit Defense policy from XXXX I stopped banking at WF after they put the extreme hold on my payroll check XX/XX/XXXX, I paid on the WF CC until XXXX when i noticed unauthorized charges, WF continued to charge that WF CC that reported written off, charge off and closed in XXXX for that accidental death policy until XXXX. Allowing a CC with a limit of XXXX to extend to XXXX.