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

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  Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX Remove late payments from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Remove late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Remove Late Payments from XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 


Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 
4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Credit card

in XXXX and XXXX of XXXX i had availbe balance of XXXX i deposited mo0ney for me in account XXXX, XXXX and another XXXX to account they waited 2 months this dated orginally from XX/XX/XXXX then removed all credit including avail i had then charged me XXXX interest by XXXX ... .. in process all my deposits was never returned they kept it all according to my figures they embezzled XXXX from me they need to give me a cashiers check and pay it all off to me they claim i owe XXXX which is false
Product: Debt collection

CONSUMER FINANCIAL PROTECTION BUREAU XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX / VS NATIONWIDE CREDIT INC. 
XXXX XXXX XXXX XXXX, DE XXXX XXXX ID : XXXX ON THE BEHALF : XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, OH XXXX FEI/EIN : XXXX REGISTERED AGENT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX As of the date : : [ XX/XX/XXXX ] RE : : [ ACCOUNT ENDINGXXXX ] WITH AN OUTSTANDING ACCOUNT BALANCE OF : [ {$20000.00} ] WAS REFERRED TO NATIONWIDE CREDIT FOR COLLECTIONS. 


XXXX XXXX COMPLAINT OF [ CREDITORS / COLLECTION AGENCY ] HARASSMENT AND FRAUDULENT DEMAND FOR PAYMENT LETTERHEADS / REMOVAL REQUEST : : OF THE DAMAGING NEGATIVE INFORMATION REPORTED TO THE CONSUMERS 3 CREDIT REPORTING BUREAUS FILE. / I XXXX XXXX XXXX, HEREBY, SUBMIT THIS COMPLAINT OF HARASSMENT, AND FRAUDULENT DEMAND FOR PAYMENT LETTER, AND DAMAGING NEGATIVE INFORMATION, THAT WAS REPORTED TO MY CONSUMER ACCOUNT, WITH THE THREE CREDIT REPORTING BUREAUS BY : __NATIONWIDE CREDIT INC. ; WHOM IS A COLLECTION AGENCY. AND DOING BUSINESS ON BEHALF OF ; XXXX XXXX XXXX, XXXX. 

NOW, THEREFORE! ON THE DATE OF XX/XX/XXXX. I RECENTLY RECEIVED, __ANOTHER HARASSING PIECE OF COMMUNICATION, VIA__BY LETTERHEAD, FROM NATIONWIDE CREDIT INC . DEMANDING PAYMENT FOR AN OUTSTANDING ACCOUNT BALANCE, IN THE AMOUNT OF : [ {$20000.00} ] XXXX XXXX, XXXX XXXX XXXX XXXX DOLLARS, AND XXXX CENTS. 


[ 1 ] I XXXX XXXX XXXX, NEVER OPENED AN ACCOUNT WITH XXXX XXXX XXXX, XXXX. IN OR AROUND, THE TIMEFRAME PRESCRIBED BY THE CREDIT GRANTOR. WHERE UPON__IT WAS DEFINITELY OPENED BY SOMEONE ELSE? __OTHER THAN, MYSELF! THEREFORE, THE VALIDITY__ OF NATIONWIDE CREDIT INC . CLAIM AGAINST__ THE SUGGESTED NAMED PERSON ON THE ACCOUNT IS FRAUDULENT. 


REMEDY__THAT IM SEEKING : [ A ] MONITARY RETRIBUTION : : FOR BEING HARASSED, INCONVENIENCED, AND FOR THE RUINED CREDIT RATINGAMOUNT TOTAL : [ {$5000.00} ] [ B ] WHEREFORE, I STRONGLY SUGGEST__THAT, NATIONWIDE CREDIT INC., DIRECT ALL FEASIBLE ATTENTION AND EFFORT, ON LOCATING THIS IDENTITY THEFT. AND I ALSO SUGGEST : AN IMMEDIATE STOPPAGE__TO ALL HARASSING DEMAND FOR PAYMENT COMMUNICATIONS. OR__I WILL BE FORCED ; TO BRING FORTH__SOME FORM OF JUSTIFIABLE LEGAL ACTION, WITHIN THE COURT OF LAW. TO REMEDY : :__THIS PETITION AND CHARGES__ AGAINST THE PARTIES INVOLVED. 




IN CONCLUSION : : I AM HEREBY -- REQUESTING AN IMMEDIATE RESPONSE__CORRECTION AND REMOVAL, OF THE DAMAGING NEGATIVE INFORMATION REPORTED TO MY CONSUMER CREDIT FILE. TOWHICH__WAS SUBSEQUENTLY SUBMITTED TO THE THREE CREDIT REPORTING BUREAUS. 





CERTIFICATION I XXXX XXXX, THE COMPLANTANT__HERETOFOR, CERTIFY THAT THE INFORMATION WRITTEN WITHIN THIS CORRESPONDENCE, ARE ACCURATE AND TRUE. DONE THIS. XXXX XXXX OF. XX/XX/XXXX. 

XXXX XXXX XXXX.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX /
Product: Credit reporting or other personal consumer reports

There are XXXX hard inquiries currently on my credit report that I did not authorize from XX/XX/2022. XXXX and XXXX XXXX. I request that these are removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.XXXX XXXXL ( Original Creditor : XXXX XXXX XXXX CO ) XXXX Balance : {$240.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Checking or savings account

My cashapp account was stolen. They changed my phone number, email, and cash tag. They stole money from the borrow feature and cash app refuses to do anything about it and now theyre saying I owe them money. I filed a police report on this as and the detective is having a hard time trying to figure it out.
Product: Money transfer, virtual currency, or money service

My phone and wallet were stolen at XXXX XXXX on XX/XX/25. The person was able to access my locked phone and use my Cash App to make multiple fraudulent withdrawals from my linked bank account, transfers to other Cash App accounts and business payments. I have disputed the following fraudulent transactions with Cash App support : 1. A payment of {$2500.00} to another Cash App account at XXXX XXXX on XX/XX/25. This dispute was opened by me on XX/XX/25 and it was denied because they deemed that " ... no error occured because the payment was authorized using a Security Lock feature. '' I reopened the dispute again on XX/XX/25 and have not received an update as of XX/XX/25. 

2. A XXXX purchase of {$94.00} at XXXX XXXX on XX/XX/25. This same amount of XXXX was then sold at {$88.00} at XXXX XXXX  on XX/XX/25. I contacted Cash App support on XX/XX/25 and I received an email that stated the transactions were irreversible even when explaining my situation. I have called again to re-escalate the dispute and I have not received an update as of XX/XX/25. 

3. A payment of {$67.00} to a shop at XXXX XXXX on XX/XX/25. This dispute was opened by me on XX/XX/25 and it was denied because they deemed that this transaction was authorized by me or someone I attempted to reopen the dispute again on XX/XX/25 and have not received an update as of XX/XX/25 and this transaction is deemed as finalized. 

4. A payment of {$21.00} to a shop at XXXX XXXX on XX/XX/25. This dispute was opened by me on XX/XX/25 and I have not received an update at all about this fraudulent transaction as of XX/XX/25.
Product: Debt collection

Commercial Recovery Systems , Inc. 
Contacted me XX/XX/17 from a blocked number stating they had a process server needing to serve me. Directed me to call the the plaintiff directly of the civil compliant. 

Refereed me to XXXX with court case # XXXX XXXX who said the case was being brought up against me by XXXX XXXX, and proceeded to give me more information. 

They are misrepresenting the legal status of a debt, with impersonating attorneys, attorneys staff, or judicial employees, in violation of FDCPA.
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  Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a 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 card or prepaid card

I received a email from citibank on XX/XX/XXXX for 5 % back on online purchases from XX/XX/XXXX through XX/XX/XXXX. I made 4 purchases on XX/XX/XXXX and they are only crediting the one transaction that posted within the day, they are not honoring the other three since they took 1-2 additional days to post, it does not say this anywhere within the body of the promotional email.
Product: Credit reporting or other personal consumer reports

I am asking for removal of negative accounts that are connected to a unauthorized fraud address that is on my credit report XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, i listed this address as fraud every account connect to this address should be removed and including debt collector
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

This is my first endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX 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 Balance Owed : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance Owed XXXX {$850.00} XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$850.00} XXXX XXXX  XXXX Balance Owed : {$340.00} XXXX XXXX  XXXX Balance Owed : {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported a collection of {$290.00} on my EQUIFAX credit report. 

The collection is invalid but XXXX XXXX doesnt want to remove it even though I submitted all the proof ( photos and screenshots ) that I dont owe any money. 

Heres what happened : I have been a tenant at XXXX XXXX apartments in XXXX, Kansas for only 2.5 months and I paid rent for 2.5 months plus a {$250.00} security deposit. I moved out on XX/XX/2021 after my multiple requests for repairs in the apartment were ignored. 

Requests for repairs : * Extreme noise at night ( apartment situated right next to the laundry room, with a thin drywall with a hole between the laundry room and my apartment ). Tenants did laundry all night. I asked the leasing office to insulate the wall or allow doing laundry only during the day hours which was denied. I was unable to sleep at night. 
* Not working stove ( I couldn't cook at all ) - see pictures * MOLD around the water heater - see picture * Water in the bath tub not draining - see picture * MOLD in the bathroom around the shower - see picture * Water coming through flooring - see picture * Bugs coming through the windows due to not having correct size of window screens - see picture I left the apartment on XX/XX/2021 and gave the apartment keys and letter of moving out to the leasing office on XX/XX/2021 ( XX/XX/2021 was Sunday and the office was closed, no mailbox or anything I could leave the keys ). The manager didn't show up for a walk through on XX/XX/2021. I expected getting my security deposit of {$250.00} back which has not happened and it's due to me. 

Every state has specific health and safety codes that provide minimum standards for rental units, and Kansas is no different. If those standards are not met and proper notice is given by the tenant and the repairs/fixes are still not made within the allowable time period, a tenant would be considered constructively evicted. As a result, the obligations of the tenant under the lease are no longer required, given that the landlord has not met their own responsibilities under Kansas landlord-tenant law. According to XXXX  state law XXXX, landlord duties to provide habitable premises include the following : * Compliance. Comply with applicable building and housing codes materially affecting health and safety. 
* Repairs. Make all repairs and do whatever is necessary to put and keep the premises in a fit and habitable condition. 


The collection report should be removed from my credit report at Equifax XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns reguarding 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 institute and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. 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 consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

My  Chase account  was never closed as a cancellation of debt according to a received  XXXX  from them. IRS added this amount to my   XXXX   income tax and I was obligated to pay additional taxes.
Product: Checking or savings account

SoFi restricted my accounts with them three weeks ago. They said they were performing an investigation but gave me no information as to why or how long it would. They stated someone from the fraud department would be in contact but I still have had no contact and no information. 

Firstly it was my checking and savings account, they processed to close my account I have around {$55000.00} on my brokerage account. Since SoFi had already closed my saving and checking I have no other way to withdraw from my investments account. 
No matter what phone number I call or who I speak to I get no information. This is ridiculous and frustrating. 

They have refused to allow me withdraw with no Timeframe as to when I can withdraw
Product: Credit reporting or other personal consumer reports

I have submitted documentation they requested and they continue to report inaccurate information and break the law and violate my rights.As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 
please delete the following accountsXXXX  balance XXXX XXXX balance XXXX XXXX balance XXXX XXXX balance XXXX XXXX XXXX balance XXXX XXXX XXXX balance XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

In good faith, my husband and I entered into a loan agreement with LendingClub to make necessary repairs to our home. Unfortunately, he was unemployed shortly thereafter for approximately 1-1/2 months and his salary was reduced by {$70000.00}. We have continued to make monthly payments of {$710.00} at 20.30 %. On XX/XX/2019, we tried to renegotiate the loan with XXXX and XXXX of LendingClub to more favorable terms of {$510.00}, 15.17 %, 60 months. It was denied. On XX/XX/2019, we spoke with XXXX of LendingClub at XXXX to discuss renegotiation and erer again denied. Also during this time ( XX/XX/2019 ),  LendingClub tried to put us into collection with XXXX XXXX XXXX XXXX, XXXX for missing one ( 1 ) payment which we did not. Even XXXX agreed that LendingClub 's action was ridiculous. The continuing payment of {$710.00} is now a hardship and we want to settle the remaining balance of {$21000.00} with a cash amount both parties agree on to dismiss this debt with no adverse credit rating. In closing, LendingClub has been making harassing phone calls to both of us on a daily basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from SageStream, XXXX. XXXX XXXX, XXXX XXXX, CA, XXXX, dated XX/XX/2021, informing me that it was a confirmation that a security freeze was placed on my SageStream LLC security file. AnPIN was provided in order to remove the freeze. However, I dont have any knowledge of who this business is. I contacted XXXX to place a fraud freeze on my account and can manage it via their website. The business is tricky in that you can not call and speak to anyone. You have to do everything on line. In order for me to remove the freeze, I have to submit my SSAN, photo of my drivers license showing my date of birth, and address and telephone number and I did that on XX/XX/2021 but the freeze has yet to be removed. My concern is I only contacted XXXX and am not sure how or why SageStream would put a freeze on my account. This business needs to have personal contact with legitimate customers who may have questions or concerns.