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

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 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

This company needs to be held accountable for putting this information back on my credit file. I do not owe anyone for a cell or cable bill. I disputed your inaccurate entry on my credit file back in XXXX and it was deleted. Now you have once again put the inaccurate entry back on my credit file. I contacted the company in XX/XX/XXXX and the file was removed. I was told by a female rep that I wasn't found in their system and they also needed the account number which is only listed on my file as XXXX. They don't even have a complete account number in their system. Also, so never received any type of notice from this place or phone call. I was told the account was for cable or cell but they couldn't tell me which one exactly but it was for XX/XX/XXXX. I have been XXXX since XX/XX/XXXX so I don't have a home to have cable. I have never had cable in my life when I did have a home. I don't owe any cell phone companies either. I want this company to stop putting this inaccurate info on my credit file. I want this entry removed and not placed back on my file. I want them to show me bills with the address listed where they were sending delinquent notices and creditor letters notifying me of the account. They have produced nothing.
Product: Money transfer, virtual currency, or money service

I am writing to formerly express my concerns regarding zelles handling of disputes, particularly in light of the 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 did 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: Checking or savings account

I am filing a complaint against Wells Fargo for failing to pay the {$520.00} bonus as advertised for opening a savings account in-branch. I met all the terms and conditions, which I verified with a bank manager, yet the bonus has not been credited. 
Account open date : XX/XX/year> Bonus offer code : XXXX I have the original account opening document linking the promotion to my account and an email from Wells Fargo confirming the offer. Despite multiple attempts to resolve this, the bank has not honored the bonus. 

I request CFPBs assistance in ensuring Wells Fargo honors its promotion and provides a resolution.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX. XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX. XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX. XXXX XXXX XXXX ACCOUNT # XXXX XXXX. XXXX XXXX ACCOUNT # XXXX THESE ACCOUNTS ARE FRAUDLENT AND NOT MINE AND INQUIRES AS WELL 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 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 You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
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 : STATE OF MI OFFICE XXXX : Account Number : XXXX Account Name : STATE OF MI OFFICE XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

After receiving my consumer report from Experian, I noticed a few fraudulent accounts. The FCRA intends to secure consumer rights to privacy, and my privacy has been breached. After stating the claim and disputing the fraudulent accounts, Experian is still reporting on my consumer report negative/inaccurate accounts. Im reporting this activity to CFPB because my rights have been violated. Pursuant to Fair Credit Reporting Act, 15 USC 1681n, Experian willfully failed to comply with the requirement under the provision of 15 USC 1681 ; therefore, Experian is civilly and criminally liable for causing me mental anguish. I have attached all supporting documents along with my Affidavit of Truth and FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 16811 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifax, XXXX, and XXXX did not modify or removed anything. 
The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on XXXX credit reports Which is a violation. This is impacting me from moving forward with getting a new and buying a house for my family. XXXX, Equifax, and XXXX violated my rights.
Product: Credit reporting or other personal consumer reports

TO WHOM : IT MAY CONCERN : ACCORDANCE TO TITLE 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THIS PUBLIC RECORD TO BE REPORTING ON MY CONSUMER REPORTS
Product: Student loan

I have paid off 10 of the 11 loans I co-signed but Njhesaa wont notify the 3 credit bureaus as accounts paid. I contacted them by letter but they wont respond because the accounts were in collections. I sent the paid letters to the 3 credit bureaus, and when they contact Njhesaa to confirm accounts are paid, Njhesaa just keeps responding the accounts are in collections.all I want them to do is confirm accounts are paid and notify credit bureaus
Product: Credit card or prepaid card

I opened a gold Amex business card and the mailer said that if I spent {$5000.00} in 3 months I would get   XXXX   points, and another   XXXX    points for spending another {$5000.00}. This makes a total of   XXXX    points for {$10000.00} spend. Amex admits ( several times on phone and live chat, screenshot attached ) that this offer was attached to my account, but denies I spent {$10000.00} ( once on chat they even agreed that I spent it, and opened a case but never gave me the points ). See statements attached, showing I spent more than the required amount.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the + XXXX breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that! was in fact a victim of this data breach According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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.

So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
But they did not do that as well either. 

They are also breaking these laws as well below : According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report this account as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX  XXXX XXXX
Product: Credit card

For my account beginning in XXXX, XXXX XXXX told me they would delete this off of my credit profile for payment even though this account was not opened by me. All I want is for this account to be removed from my profile as they promised. I settled a debt that was n't even mine, and now they continue to report to all XXXX bureaus. They are also reporting XXXX separate accounts to the different bureaus which is illegal as well. They offered deletion upon settlement, and now they have done a " bait and switch '' for their money.
Product: Credit reporting or other personal consumer reports

There has been identity theft going on with my EQUIFAX credit report as someone tried to apply for a credit card or loan with a financial institution named XXXX XXXX XXXX XXXX XXXX '' on XX/XX/year> using my SSN and other details without my knowledge or consent which led to an unauthorized hard enquiry. I request this hard enquiry to be deleted
Product: Debt collection

UNIFUND DEBT COLLECTION AGENCY SOLD AN ACCOUNT IN YEAR XX/XX/2006 BELONGING TO THE WRONG MAN! A XXXX XXXX XXXX XXXX BANK ACCOUNT!!! THAT WAS NEVER MINE XXXX XXXX. XXXX!! TO A DEBT COLLECTION ATTORNEY BY THE NAME OF A XXXX XXXX XXXX IN XXXX PA!! I AM REQUESTING A LETTER ASAP FROM UNIFUND STATING THEY SOLD THIS ACCOUNT BECAUSE OF THEIR HUGE GINORMOUS ERROR!! I PAID A STEEP HEFTY PRICE OF NEAR {$19000.00}!!! BECAUSE OF THEIR PURE NEGLIGENCE AND CARELESSNESS!! SELLING OF DEBT ACCOUNTS ON A SPREAD SHEET OF NAME SIMILARITIES AND VARIENCES! I HAVE NEVER HAD ANY CREDIT CARD ACCOUNTS IN MY NAME SOLD TO ANY DEBT COLLECTION AGENCIES EVER IN MY LIFE!!
Product: Credit reporting or other personal consumer reports

I am writing to dispute an item on my credit report that I believe to be inaccurate. The item inquestion is XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

There is a lot more but all documentation is in my lawyer 's hands. 
I can sure provide copy and much more details if needed this has been going on for over a year now and at least 6 months since my initial call to the bank. 

Santander has been the subject of other lawsuits. My complaint appears to be similar. I've been paying the loan for over 3 years. Around XX/XX/XXXX strange things started to happen to my account, which I noticed around XX/XX/XXXX. None of ALL the payments I made in that period, went towards the principal of the loan. 100 % of each payment ( around XXXX $ / month ) went towards the interest with the obvious consequence that the payoff amount didn't go down XXXX cent. Countless calls never answered, a proof of a contract requested ( other than the paperwork I have from the car dealer ) was never produced and also my lawyer never received anything. On top of that instead of answering, I received a threat they would repossess my car if I didn't pay XXXX . I agreed to pay XXXX $ and another XXXX next Friday. will this solve? They say my account is still past due which is what they want so payments will only go towards interest. One day they say I'm current and the next I'm past due for XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't get anywhere with the company they want my ss # so they can't help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX  XXXX XXXX Balance Owed : {$580.00}. 
XXXX XXXX XXXX Balance Owed : {$66.00} XXXX XXXX XXXX Balance Owed : {$66.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX  XXXX of inquiry XX/XX/XXXX XXXX XXXX  XXXX Date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under regulations 523 ( a ) ( XXXX ). A willful and malicious injury under Section 523 ( a ) ( XXXX ) requires proof of a deliberate or intentional injury, not merely a deliberate or intentional act that leads to injury. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( 1998 ). 

As I understand the regulations ( 12 CFR 226.13 ( d ) ), I have the following rights : 1. The statute gives the consumer the right to dispute the claims 2. Your creditors are prohibited from issuing an adverse credit report to the credit reporting agencies while this matter is in dispute XXXX XXXX has posted a late payment on a closed account. See attached this violates my rights and it is a deliberate and intentional injury. When my rights is protected to the point when I have any items in dispute It cant be on my credit report until they prove they have a legitimate claim. Under the rules and regulations truth in lending they must be 100 % accurate in their reporting. 
XXXX XXXX is 0 according to the letter they sent they have stated the balance {$4000.00}. Do you see anywhere in this letter balance is 0? Read their validation letter Does the letter says 0 high balance? Then it is incorrect! Remove it! 
That is factual error and according to the rules this must be deleted immediately. Furthermore, the late payment on a closed account is intentional malice behavior that indicate their slandering is malice and against the law. I hold you Experian responsible to allowing this Malicious attack and you are an accomplice to this behavior As per the regulations ( 12 CFR 226.13 ( d ) ), I have the following rights : 1. The statute gives the consumer the right to dispute the claims 2. Your creditors are prohibited from issuing an adverse credit report to the credit reporting agencies while this matter is in dispute You must remove all negative and derogatory slandering from my report until it is validate it. Till then you MUST REMOVE ALL IN DISPUTE OF MY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I had sent a letter with enclosed documents supporting my claim that your company had reported a number of incorrect data. 

I do not understand why your company is reporting the wrong address when XXXX and XXXX are all reporting the correct address. I need you to attend the following shown items on my credit report in which you have provided incorrectly. 

The previous listed address is incorrect. As well as the employer that is listed on my report. I have never lived or have been associated with the addresses you reported. 

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

EXPERIAN KEEPS TRYING TO TAKE MONEY FROM MY CREDIT CARD AFTER I CANCELLED 3 MONTHS AGO, XXXX X6
Product: Credit reporting, credit repair services, or other personal consumer reports

Last week on XXXX XXXX, XXXX when they had the report of hacking, I was informed ( by putting in my information XXXX that my information was compromised. I also have unauthorized inquiries on my report starting on XXXX XXXX, XXXX. I contacted Equifax and since I did not get anything accomplished, I added the security freeze on my account. I paid the {$10.00} fee. Seeing that it is Equifax 's issue that has made my personal information vulnerable, I should not have to pay for the freeze.
Product: Student loan

I had called Navient several times from XX/XX/XXXX-XX/XX/XXXX to try to lower my monthly payment for my student loans. The resolution given to me was always to choose forbearance and without being very knowledgeable about the interest that would accrue or what my other options were I agreed to the suggestion of Navient representatives.
Product: Credit card or prepaid card

Paypal Mastercard i added my debit card to the account to make payments on the bill itself.

I made a purchase which was to be from the Paypal mastercard but they charged my XXXX XXXX debit card and also billed me for it on the statement. 

I disputed the transaction and they denied it. I have called now 4 times and mostly have only the option to select from automated recordings. Which didnt provide any way to solve the problem. I was able to speak with customer service people twice now and the first time I was convinced they were going to help. I never heard back from them. The 2nd person told me if i have disputed it and been denied theres nothing they can do. 

I have the service purchased ( twice ) on XX/XX/2023 XXXX personal but do not need billed twice XXXX XXXX 

My paypal account is under XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX, XXXX XXXX