23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A third party debt manager/collector is listed on my credit reports as Waypoint in the amount of {$300.00}. I have contacted them and the credit bureaus over the course of 3 months for this account to be verified and for them to send me any bill, statements or contractual agreements signed by me. They have not done so. I have provided them with forwarding address and I have not received any billing information about the debt since I began my investigation over 3 months ago. Their appearance on my credit report is hindering my financial growth and I am now seeking its removal from all theee bureau reports.
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 XXXX XXXX 1681.

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 or other personal consumer reports

I am writing to express my profound dissatisfaction and disappointment with how your bureau has handled my identity theft complaints. The issue involves not only the theft of my personal information but also the indifferent attitude your bureau has shown in addressing my case. 

I submitted all required documentation, including the FTC report from the Federal Trade Commission, to demonstrate my innocence and the criminal nature of the actions taken against me. Despite the seriousness of the situation and the significant impact it has had on my life, your bureau 's response has been alarmingly insufficient. I have received very little communication about the status of my disputes, and the responses I have gotten have been generic and unhelpful. This lack of attention and urgency has left me feeling neglected and abandoned by the institution I trusted to safeguard my credit and financial well-being. 

I implore your bureau to take my identity theft case seriously and expedite the investigation process. I request that you thoroughly review the evidence I have provided and promptly remove the fraudulent account and transactions from my credit report. Additionally, I ask that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Complaint Description : I am filing this complaint because said reporting bureau has not accurately reported and/or updated my personal information on my credit report. I am entitled to a fair and accurate credit report and that includes my personal information. 

Incorrect Personal Information : Not my name : XXXX XXXX XXXX Not my name : XXXX XXXX XXXX Not my address : XXXX XXXX XXXX XXXX, XXXX, Fl XXXX Not my address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, Fl XXXX Attempts to Resolve : I have attempted to resolve this issue by contacting the bureau through mail, but I have not received a satisfactory resolution or explanation for why my personal information has not been updated correctly.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX  I lost my wallet that included my drivers license social security card and other identifying information. Due to this someone madeseveral fraudulent inquiries, and opened up several credit cards fraudulently in my name, I would like for all of these items to be deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX 

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Credit reporting

I HAVE A FRAUD ALERT ON ALL MY CREDIT REPORTS THAT INDICATES AND ALERTS CREDITORS TO CONTACT ME TO VERIFY MY IDENTITY BEFORE CONSIDERING, OPENING OR ESTABLISHING AN ACCOUNT IN MY NAME. I HAVE EXCELLENT CREDIT, HAVE {$00.00} BALANCES OWING, HAVE NOT USED MY CREDIT IN OVER 15 YEARS AND EARN WELL OVER $ XXXX OR MORE PER YEAR WITH VERY HIGH FICO SCORES OF XXXX, XXXX AND XXXX. XXXX BANK DELAWARE COMPLETELY IGNORED MY FRAUD ALERTS ON MY CREDIT REPORTS, ACCESSED MY TRANSUNION, CONTINUED TO ADVISE ME THAT THEY DID NOT HAVE AN APPLICATION FOR ME IN MY NAME FOR THEM TO DO NOTHING BUT SEND ME A DECLINATION LETTER 30 DAYS LATER SAYING THAT I DID NOT HAVE ENOUGH CREDIT WHEN I ACTUALLY DID. XXXX XXXX COMPLETELY VIOLATED MY CIVIL RIGHTS WHEN THEY REVIEWED AND PULLED MY TRANSUNION CREDIT REPORT. I EITHER WANT THE CREDIT CARD I APPLIED FOR AND THE INQUIRY DELETED OR I WILL BE CONTINUING TO REPORT XXXX XXXX FOR THEIR FAILURE TO COMPLY TO THE FRAUD ALERT POSTED ON MY CREDIT CARD. XXXX XXXX WAS OBLIGATED TO CALL ME TO VERIFY MY IDENTITY AND ASK SECURITY QUESTIONS AT LEAST ; AND INSTEAD THEY IGNORED THE FRAUD ALERT AND DECLINED ME PERIOD WITH POOR EXCUSES FOR DECLINATION GENERATED FROM A COMPUTER INSTEAD OF A HUMAN BEING TAKING A LOOK AT THE APPLICATION AND MY CREDIT REPORTS INSTEAD OF JUST TRANSUNION 'S CREDIT REPORT ALONE. 

I DID NOT DESERVE TO BE TREATED THIS WAY, IT 'S NOT PROFESSIONAL AND THE APPLICATION PROCESS AT XXXX IS NOTHING BUT A FLUKE AND NEEDS TO BE REVAMPED OR INVESTIGATED BECAUSE IT IS NOT AN ACCURATE PROCESSING VESSLE. I AM APOLLED AT THE MANNER IN WHICH XXXX XXXX DECLINED ME AND VIOLATED MY CIVIL RIGHTS WITH MY FRAUD ALERT ; AND I MAKING COMPLAINTS TO WAKE XXXX XXXX UP IN GENERAL SO THAT THEY CAN SEE THAT THEY MADE A MISTAKE IN THE MANNER IN WHICH MY APPLICATION WAS PROCESSED AND DECLINED.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : 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 These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Debt collection

I was sued and a judgement for a 17 year old credit card debt was entered against and they sent the summons to an address that I haven't ever lived at. It was my sister 's old address and a summons was never served there for either of those court dates. My sister said that someone came there in early XXXX and asked if I lived there and she told them that I do not live there and they left. This company was able to locate my current work address for a garnishment order so they should have been able to locate my current address because it's on my credit report and they purposely stated that they sent a summons to the wrong address and I haven't seen proof that someone even signed for that summons. I don't remember this debt and don't feel that I have been able to fairly answer to this. Also if it's 17 years old can I be sued over this? I called the court and they said a judgement was entered against me in XXXX for XXXX and renewed on XXXX and was for XXXX plus XXXX in interest totalling XXXX but I have no knowledge of either of these judgments and the reason I am finding out about this is because a garnishment order was sent to my employer and they informed me. Is there anything I can do to stop this or get this resolved without being garnished. Were my legal rights violated? Wouldn't XXXX even be past the statute of limitations if this debt is 17 years old? I only have 14 days to figure this out according to the court papers. Did this company break a law by not serving me correctly? I called the attorney on this and she said that nothing can be done and they do whatever they need to do to collect this debt. I don't even know if this debt is truly mine. I would like to know my legal rights regarding this. I just found out recently that an ex wife that I've been divorced from for several years still has a credit card with my name on it and I shouldn't be responsible if I didn't create the debt but with such limited information I can't defend myself on this. The only information I have is that the debt is 17 years old and that this company went to court without properly notifying me twice and a judgement against me was made and now I'm being garnished.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 of 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

In accordance with the Fair Credit Reporting act XXXX  Account ( s ) # XXXX, XXXX, XXXX, and XXXX 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: Money transfer, virtual currency, or money service

I am expressing 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 several times. Despite informing them immediately, They informed me that recovering lost funds was not possible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is listing an item on my credit report that is approx. {$8000.00} that has been previously disputed as identity theft. I have sent several police reports to Equifax to prove that I am a victim of a wide range of identity theft but they refuse to remove the item by my verbal request and by reviewing the police reports I have sent in.
Product: Credit reporting or other personal consumer reports

Twice in the last six months I requested copies of my Lexis Nexis clue  report and the company declined to provide it. Then, I applied for car insurance through XXXX, and they told me that Lexis Nexis Clue reported that I was involved in an " at fault '' car accident on XX/XX/XXXX. 

I can not get a copy of my Lexis Nexis Clue Report because they refuse to provide it, and are telling insurers that I caused an at fault car accident. What happened was I was driving on XXXX XXXX XXXX on XX/XX/XXXX ( I reported the claim on XX/XX/XXXX ), was that I was driving behind a semi, from which a rock fell and cracked my windshield. I suppose a rock shattering my windshield was a type of collision, but when a " collision '' or car accident is reported, one thinks a crash, or the vehicle breaking down, and someone getting hurt. I'm being penalized on my insurance like Lexis Nexis caught me with an at fault collision for speeding. 

The insurance I had at the time, XXXX XXXX, did not even cover it. It was less than XXXX dollars damage, and I replaced my windshield out of pocket due to the crack. 

Lexis Nexis 's false statement that I was " at fault '' in a car accident for which they refuse to provide me with a copy of the report on XX/XX/XXXX is blatantly false. The fact that a rock fell off a Semi about 35 feet ahead of me on the highway and cracked my windshield is not an " At fault '' accident. Someone there made a mistake, but they refuse to provide me with a copy of my report so I can not challenge it. 

A semi having a small stone/rock fall and cracking my windshield is not an at fault collision for which I should be surcharged like I was texting while driving or drunk driving or speeding.
Product: Money transfer, virtual currency, or money service

I used Zelle to send money and I sent it to the wrong person accidentally, it was not made clear that once you send money on Zelle that you cant get it back unless it was sent back to you. When I called XXXX XXXX they told me to call Zelle and Zelle told me that there was nothing that I could do to get my money back.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violate the customer financial protection act ( cfpa ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( efta ) and regulation e. These actions has caused significant inconvenience and financial loss, i seek appropriate redress for these violations.
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 XXXX XXXX XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX years. 

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 fell behind on my mortgage, and applied for a deferment, but Mr. Cooper is not reviewing me for any assistance plans. Im just looking to communicate with them
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Credit Report Entry and Request for Investigation To Whom It May Concern : I am writing to formally dispute an entry on my credit report, as I believe it was obtained and/or furnished without my written consent, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. 

Account XXXXXXXX XXXX, original balance {$41000.00}, account number XXXX. 

According to 15 U.S.C. 1681b, consumer reporting agencies may only furnish a consumer report under specific circumstances and must have permissible purpose, which often requires prior written consent from the consumer. I have no record of providing written authorization for Experian, XXXX, or XXXX to access or furnish my credit information.
Product: Debt collection

I called and found out the name they had associated with my phone number wasn't me. They said they would delete my number. I've also blocked their number. But I've received two voicemails from them in two days.
Product: Debt collection

I was not able to open a new account with Wells Fargo due to an alleged debt I owe them on a previous account. However, I called their customer service to get information about the debt and they can not locate me with my identity verifications. Therefore, there is no debt that I owe if they do not have proof that I owe anything. I want to open a new account and be removed from XXXX regarding any alleged debts from Wells Fargo.
Product: Checking or savings account

On or around XX/XX/XXXX I received 2 post cards ( one for a checking account, one for a savings account ) in the mail from BB & T saying that I had requested them to consider authorizing and paying overdrafts on my ATM and debit card transactions. Since I did have a checking or savings account with BB & T I called them and said I thought they were setup in error. They turned it over to their fraud department and on or around XX/XX/XXXX I received a letter from them saying I was the victim of identity theft along with all of the steps they were taking to secure the accounts. 

At their suggestion I ordered all of my free credit reports from the 3 credit bureaus to check for any unusual activity. All three were clean and the only inquiry from BB & T was from when we established a mortgage with them in XXXX or XXXX. 

I found it odd that 1 ) there was no inquiry from BB & T, soft or hard, to setup the accounts and 2 ) I did not receive any email/text alerts that these were added to my existing account. I find it very hard to believe a bank would not alert you if a new account was added to an existing mortgage account. 

Given the recent XXXX XXXX fraud where they were setting up accounts without their customers knowledge in order to hit targets, I wanted to see what exactly was used to establish these accounts ( given the lack of alerts ). 

On XX/XX/XXXX I called the number on the letter I received and asked for a copy of the documents used to setup the accounts and was today I would need a police report and that the police would have to subpoena them for the documents. I find it ridiculous that I would have to file a police report with my local police department to get a copy of documents which allegedly used my SS # and other personal information. 

I would like to receive copies of these documents to then see if I feel further action is required on my part. At the moment their unwillingness to share the documents seems suspicious to me.