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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous CFPB complaint, UWM responded and gave pushback stating that the bank account I used to try and set up auto pay back in XXXX 2021 and onward was an account that did not belong to me and that it was under a different name. However, this is NOT true. My wife ( XXXX XXXX ) and I are equal owners of this bank account. Please see the attached bank statement & copy of my check book that shows both names as proof. XXXX 's name shows first and mine shows second. We both have equal ownership to this bank account. You can also see that the bank account number in which UWM rejected ( XXXX ) is the same account number that is on the bank statement & check book. I'm not sure if it's because UWM 's XXXX  can only detect the first name listed on the bank account but I am 100 % on the account as an account owner. Therefore, XXXX was rejected for a false reason and this ultimately caused my mortgage to be late when I had full intent to pay and even tried setting up auto pay multiple times. I kindly ask UMW to rectify the late payments on both my mortgage accounts please. Please look at the rejection letters from UWM and the bank acct number they rejected due to supposedly not being mine. Then look at the bank acct number on the bank statement and check book. Here you'll see that I, XXXX XXXX, am in fact an owner on the bank account.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service & unfair practices, which violate the consumer financial protection act ( CFBA ) .specifically cash app failed to take timely and effective measures to prevent & address fraud on their platform, leaving my account vulnerable & unprotected
Product: Debt collection

Upon reviewing my credit report, I noticed that laws were being violated against me regarding these collections. After carefully reviewing my records, I can confirm that these discrepancies are not accurate representations of my credit history. 

I am disputing owing any and all debts to LVNV Funding I am revoking all rights of them communicating with me through email/text or calls. 

I am requesting this debt be validated. 

I am requesting the purchase agreement between them and the Original creditor.

I am also requesting the Collection agency to furnish proof that they are licensed and bonded and can legally conduct business in the state of Michigan. 

I have not been provided with validation information under 12 CFR 1006.34 ( b ) ( 5 ) but there has still been a collection placed on my consumer report. 

I have not been given the chance or opportunity to dispute any and all accounts associated with the company according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The collection Agency is violating my consumer rights by using false and misleading representation and deceptive practices/means. 

Collection Agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and hence in violation of 12 CFR 1006.34 ( d ) and code 15 usc 1681-s2 ( 7 ) ( A ) Thank you for your prompt attention to this matter.

Section 623 ( a ) ( 8 ) : This section requires furnishers of information ( such as creditors and debt collectors ) to promptly investigate disputes forwarded to them by the credit reporting agencies and report the results of the investigation back to the agencies. 

These are some of the key provisions of the FCRA that govern the process of disputing inaccuracies on credit reports and ensure that consumers have the opportunity to correct errors and maintain accurate credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS A SCOFFLAW REGARDING THE FCRA AND MANY OTHER LAWS OF THE USA.I AM SUING EQUIFAX IF THEY DO NOT PAY ME DAMAGES OF {$10000.00} WITHIN 5 DAYS OF RECEIPT OF MY DEMAND. 
DEPT OF ED LOAN, ACCT XXXX IS NOT MINE, YET EQUIFAX HAS VERIFIED IT MORE THAN 10 TIMES.
Product: Credit reporting

In XX/XX/XXXX, I discovered there had been a XXXX day late placed on my credit report in XX/XX/XXXX from the XXXX XXXX XXXX XXXX XXXX, ( XXXX ). I contacted XXXX over my credit report, they explained that there had been an error on my account and they would send a letter to all XXXX credit reporting agencies and have the XXXX day removed. XXXX XXXX XXXX immediately removed the XXXX day late from my credit report. Experian still left the XXXX day late on my credit report. I have filed two disputes with Experian, and XXXX times have come back denied. After the second dispute, I received a letter from Experian explaining that the XXXX credit reporting agencies interpret data differently, therefore they would not be removing the XXXX day late from my credit report, even though it had been requested by XXXX to be removed. 
I have no choice to believe that this is a discriminatory act from Experian because I am XXXX Service Member. 
I am respectively requesting any assistance in this matter. The only flaw on any of my XXXX credit reports is the invalid XXXX day late from XXXX that Experian refuses to remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS PROCESS HAS CAUSED ME EXTREME XXXX IN THESE ALREADY STRESSFUL TIMES. ALSO, TO KNOW THAT I HAVE DONE EVERYTHING ON MY END BY THE BOOK AND TO SEE COMPLETE DISREGARD TO THE SECURITY OF MY PERSONAL INFORMATION AND FINANCIAL REPUTATION FROM ALL THREE OF THE BUREAUS THAT PLAY SUCH A BIG FACTOR IN HOW LENDERS, EMPLOYERS, AND EVEN SOME GOVERNMENT OFFICES VIEW ME. 
THESE ACCOUNTS HAVE NOT BEEN PROPERLY VERIFIED TO ME SO I AM CONCERNED WITH THE INFORMATION THE BUREAUS ARE ACCEPTING BEFORE RUINING CONSUMERS LIKE MINE LIVES AND HELPING UNVALIDATED COLLECTION COMPANIES SMEAR OUR FINANCIAL IDENTITY. NOT ONE OF THESE CREDITORS/COLLECTION COMPANIES FOLLOWED THE FCRA PROCESS AND NEITHER DID XXXX, XXXX NOR EXPERIAN WHEN THEY ASSISTED THE COLLECTION AGENCY AND ADDED THIS FRAUDULENT DEBT TO MY CONSUMER CREDIT REPORT. 

ACCOUNTS : XXXX XXXX  XXXX - {$0.00} XXXX XXXXXXXX - {$440.00} XXXX XXXXXXXX - {$650.00} XXXX  XXXX - {$250.00} XXXX XXXX XXXX - {$680.00}
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 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 Regulations E these actions had caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
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 3 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 from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$370.00} ; XXXX  XXXX XXXX Balance : {$800.00}
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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 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 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 transparen is unacceptable and raises serious concer about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONES BEEN USING MY PERSONAL INFORMATION APPLYING FOR CREDIT AND USING MY NAME FOR MEDICAL PURPOSES I CONTACTED TRANS UNION, XXXX  AND XXXX TO UPDATE MY PROFILE THEY HAVE YET TO DO SO ... ATTACH IS MY REPORT ON ALL INQUIRES AND FRAUDULENT ACCOUNTS
Product: Debt collection

I received a call on XX/XX/19 from a angry woman. This is HARASSMENT. 

I was never told orally or in writing I had the right to earn interest on my funds deposited. 

2 ) I had the right to withdraw any of my funds on deposit at anytime without penalty. 

3 ) The Nationwide Debt Reduction Administrator is not affiliated with them at all. 

This. Ocompany continues to call and harass me without providing me any of my requests for an account payment history and account audits.
Product: Credit reporting or other personal consumer reports

I am victim of identity theft. There are several accounts on my 3 credit reports that I didnt give permission or authorization to open these accounts
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I used XXXX XXXX to send money transfer from my XXXX XXXX  ( XXXX  ) account to my USD bank account with BMO Harris. The money was paid on the XXXX and I was expected to receive it on XXXX XXXX. This is not the first time Ive done this- Ive done these transfers multiple times with no issues! I called XXXX XXXX and the money was delivered promptly. I then called my bank multiple times and they said multiple times they couldnt track my deposit of XXXX $ XXXX however when I finally provided a reference number to the supervisor they say that they are holding my money due to OFAC- however this is not the first transfer I make- and I am sending the money to myself so why would I get a hit. They dont respond my emails and they are not able to give me a timeline on when I get my funds released- I was doing my transfer to pay for school, and I dont know why my bank is not releasing the funds- they havent asked me to confirm any details. I already submitted a license application with OFAC but I know my bank can push through and expedite this case!
Product: Credit reporting or other personal consumer reports

Dispute was initiated XXXX requesting all documentation and information required to validate a debt by federal law standards the consumer reporting agencies responded debt was validated but sent no documentation to substantiate this claim Im asking the cfpb to monitor and uphold federal law also to be a material witness if any litigation occur from this fraudulent investigations And reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to request validation of the debt referenced above In accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with the following information : 1. The original signed contract or application that indicates I agreed to the debt. Specifically, please provide a copy of the original contract with my wet signature. 2. A complete payment history, including the date the debt was incurred, the amount of the debt. 3. A detailed breakdown of any fees and interest accrued since the debt was incurred. 4. Copies of any and all documents that establish your legal right to collect this debt. 5. A copy of the payment schedule or account statements that substantiate the amount of the debt you claim I owe. I am requesting this information to ensure that the debt is valid and that I am indeed the party responsible for it. Under the FDCPA, you are required to cease all collection activity until this debt is validated. Please send the requested information to the address provided above. Thank you for your cooperation. I look forward to your prompt response. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX i disputed a negative account that appeared on my Transunion credit report. A collection in the amount of {$140.00} reported by XXXX XXXX XXXX XXXX. Transunion reported the account verified as accurate. I disputed this account XXXX times and each time Transunion verified it as accurate. I do not nor have ever had an account with or associated with XXXX XXXX XXXX. I am filing this compliant in hopes of getting this issue resolved. This fraudulent account was also reported to XXXX to which I disputed as well and it was promptly removed from my XXXX credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on any payments. I've attached a copy of my report to this complaint on the following date of XX/XX/22. I'm now requesting you investigate the XXXX account and update this payment to paid on time immediately. Thank you for your understanding and prompt action. 

15 U.S. Code 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Acct # 's 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found errors on my credit report. I submitted a dispute on XX/XX/2020 it has been well over 60 days. I have not received anything from Equifax regarding my dispute. They are required by law to address a dispute from a consumer in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. XXXX  acct # 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: 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts University XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$420.00} ), University XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$590.00} ), University XXXX XXXX, ( Date Opened : XX/XX/XXXX, Balance : {$12.00} ), XXXX/XXXX XXXX ( Open Date XX/XX/XXXX, Credit Limit {$1000.00} ), XXXX  XXXX XXXX Account Number XXXX, Open Date XX/XX/XXXX, High Balance {$6800.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.
Product: Money transfer, virtual currency, or money service

XX/XX/2021, when I tried to transfer my balance and payment, I found I can't access my money. XXXX EUR and XXXX USD. 

So I contacted Paypal support via XXXX. I told them the problem. 

First time, they asked me to create a second PayPal account in the country I am currently living in, once the secondary account is created the funds in the U.S balanced can be sent to the new second account. But it didn't work. 

Second time, they asked me try with a different mode of payment or try after XXXX hours. But it didn't work, too. 

Third time, they asked me to verify my XXXX account. But it didn't work, too. 

Forth time, they asked me to wait it get normal. But it didn't work, too. 

Fifth time, they asked me to call them, but it's not save for me. 

Sixth time, I proved my money is legal few days ago, but after I provide my ID there is no answer anymore. 

I felt that their process was very confusing, I felt discriminatory, and I felt that they didn't want me to take my legitimate funds. It put a huge burden on my life and credit during the hard times.
Product: Credit card or prepaid card

I have filed a dispute over and over with XXXX XXXX there was 2 account open fraudenlty in my name one have since been removed but I have one they keep claiming belongs to and the infomation they are using is a phone number that activated the card that do not belong to me I advise it to them that its not my my phone number the name and number its with XXXX XXXX XXXX under XXXX XXXX and im beimg advise it under XXXX with my name which XXXX have no record I faxed proof and they claim its not vaild this is hindering me and I need removed right away
Product: Vehicle loan or lease

Bank of the West sold my XXXX loan to BMO. BMO process in the way they apply my payment has to be illegal. For example this past month I made payment on the 12th of the month ( Thursday ) USING BMO PAYMENT SYSTEM. On the 13th of the same month ( Friday ) payment is shown deducted from my my account, that I used to pay the BMO note. Finally on the XXXX of the month ( Tuesday ) my account is shown as paid. That is 3 days with BMO having my money and which I am paying the interest when BMO has my money but elects not to apply my payment for a reason that can not be explained. In my case that is a interest cost of {$28.00} a day over 3 days that equals {$84.00} or over {$1000.00} dollars a year solen from me.
Product: Credit card or prepaid card

I NOTICED INQUIRIES ON MY CONSUMER REPORT THAT I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent accounts being furnished on my credit report.
Product: Credit card

A letter sent to USAA Federal Savings Bank in XXXX XXXX, TX in XXXX 2014 was never responded to. Several bankers acknowledged receipt of the letter. After speaking to USAA, the letter was acknowledged as received and that they were required to respond. Numerous calls ( despite acknowledging receipt of the letter ) yielded no response. The banks user agreement clearly states that they will acknowledge receipt of a letter within 30 days and send a response within 60 days as either agreeing to it or denying it. To date no response has been received despite that this consumer is held bound to the user agreement if I do n't state otherwise. The purpose of the letter showed duplicate charges, late fees and fraudulent charges from the past not completely reversed. And some other issues concerning the users credit report.
Product: Debt collection

They called and spoke with my father about the debt. I retained an attorney and they agreed to settle out of court and delete the collection off my credit file. They are still paying me on the settlement but they refuse to take it off of my credit report. Everything was signed and agreed upon. I have attached documents.
Product: Debt collection

The XXXX department was paid after I had an auto accident by XXXX insurance PIP coverage. They are attempting to double bill me to collect an additional {$230.00} which is not owed. I received a collection letter from XXXX XXXX in XXXX, NJ. The representatives refused to identify themselves and they are accessing my private information which I did not authorize. 

Any person accessing private information for my security and that of my family should be required by law to identify their fist and last name. I was hung up on by a person called XXXX XXXX who was a supervisor if that is indeed her name.