23daVinci/CFPB_Complaints huggingface dataset:
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.

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case!

LET IT BE CLEAR that I am NOT in dispute to the ownership nor responsibility to this account of MINE, however, if you are unable or unwilling to present the mandated provable documents as to the full truth, accuracy, completeness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative aspects. It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate reporting with your willful display of the accounts history as being PAID/PAYS as AGREED -- NEVER LATE or SIMPLY REMOVE them from my personal Crdeit Report! 

Any other notation is possibly refutable or even unlawful chicanery-led subterfuge which might be deemed an illegal infraction that creates potential unjustified consumer injury which is OBVIOUSLY a SEVERE infringement of any reporting ethics and standards of law. Today, even right NOW and right here I suggest you remove any violation-laced behaviors on your part with your immediate submission to my request via this complaint in writ composition. Please forward me a notification that you have communicated with the consumer credit reporting agencies and have, without any delays, directed each to eliminate any and all adverse remarks and further to display PAID or PAYS as AGREED, NEVER LATE!. Any other response on your part is INSUFFICIENT to responsible reporting and would be deemed an act of aggression, be it an unlawful one.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the credit Reporting act XXXX Account XXXX XXXXXXXX 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 or other personal consumer reports

I am writing to formally request the freezing of my account 's. Due to inaccurate information in my credit report, I believe it is in my best interest to temporarily freeze the account until the matter is resolved. 
I kindly request the Consumer Financial Protection Bureau 's assistance in facilitating this freeze and ensuring the necessary steps are taken to protect my financial security.
Product: Checking or savings account

This is the second time I'm filing a complaint to make sure somebody sees my feedback from the last complaint that was closed by my bank, wells fargo, and stated that that case is now closed and complete BUT did not resolve my issue and made it worse for me. My Complaint ID is XXXX. As stated at this complaint ID, on XXXX XXXX, early morning of this day, a lot of illegal and fraudulent charges was made on my checking account totaling to around {$4500.00}. All of this made on a single morning on XXXX XXXX ( that alone is already a cause of suspicion ) because If wells fargo looks at my debit card/checking account history, I NEVER use my debit card for any outside purchases other than paying my credit card bills/recurring monthly payments. I did what I had to do on XX/XX/XXXX and called them the morning it was all happening and told them that it was not me that made these illegal purchases. They gave me provisional credit of around {$3300.00}. A couple of those charges were XXXX {$500.00} money transfers to XXXX  and I only have 1 XXXX  account and I clearly did not make those transfers since the last time i made a transfer on XXXX was back in XX/XX/2021 and i have my account activity to prove that. I also contacted XXXX and they agreed with me after looking at my account that I did not make those transfers and I have that email thread to prove it and XXXX told me to contact wells fargo to dispute it. I already filed a complaint to CFPB a couple days ago and wells fargo DID NOT resolve that complaint and made it even worse for me with their conclusion. Wells fargo stated that those charges were not fraudulent and that they will not be giving me my money back and will be taking away the credit they gave to me on XXXX XXXX. This is very frustrating as judging by the type of purchases and activity on XXXX XXXX and looking at my account activity history, its clearly not from me and they were all rushing to purchase as much as they could on my card before it gets disabled which they did. I'm sending this complaint again to follow up with wells fargo to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to get the fraudulent accounts opened in my name without my consent off my report. XXXX and XXXX are knowingly reporting inaccurate fraudulent information to my report which violated the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX  {$880.00} reported XX/XX/XXXX stating it was opened XX/XX/XXXX and Credence XXXX XXXX XXXX XXXX XXXX XXXX for {$370.00} reported XX/XX/XXXX stating it was opened XX/XX/XXXX for the same duplicate account and I have had XXXX XXXX for the last 2 decades and why are they allowed to lie and report inaccurate information. So please ask where this account was set up and what proof of identity was given. I have filed and FTC identity report and I have reason to believe this was identity theft. 

I think that is the case with the XXXX XXXX XXXX XXXX XXXX  for {$270.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my personal medical informatin is being shared without my consent. I have reached out to all parties involved requesting a signed release form allowing Carter-Young, INC to have, keep, and distribute my personal medical informatin. I believe the HIPPA Privacy Act is being violated.
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 violate 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 and unprotected.Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I was supposed to receive a deposit on XXXX still have not received it. Deposit of {$500.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Product: Debt collection

XXXX XXXX XXXX is suing me for this debt that I did not open. They sent a notice to me in XX/XX/XXXX, that they are suing me in court for which i attended a civil case today in my county and the judge has made a " postponement '' in this case because XXXX claim they have no idea this was a Identity Theft case, which is XXXX  cause I disputed it through all XXXX  Credit Bureaus!!!! So now I am in a wait and see game for XXXX  days with the court system in my county!! My XXXX   ex-boyfriend that i evicted in XXXX opened the card in XXXX as revenge against me for kicking him to the curb. Can you stop this bill collector from suing me for under XXXX IT IS INSANITY!!! the statue of limitations in TEXAS is XXXX  years and per my credit report this account was closed in XXXX and XXXX just bought this " Paper '' in XXXX of XXXX. HOW CAN THEY GET AWAY WITH THIS AFTER THE STATUE OF LIMITATIONS HAS PASSED ON A DEBT I DID NOT EVEN OPEN. They have No original contract with my signature either!! This card never even had payments made on it!! What the heck is wrong with these people. Bill collectors are horrible people and need to stop preying on people!!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Sun XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date : XXXX, XXXX XXXX  To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account Name & Account Number : Sun Loan XXXX Please provide me with the following : ( XXXX ). Full accounting for this account : ( XXXX ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( XXXX ). How you calculated what you claim I owe ( XXXX ). XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXX ) & ( XXXX XXXX XXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Product: Prepaid card

Cash app advised me because I opened a fraud dispute on my account XXXX my account is flagged and I am not allowed to request a new replacement card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX and XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting or other personal consumer reports

I do not agree with the account listed below. After doing an investigation, information on this account is not accurate and still reporting inaccurate information on my credit report. 
These inaccuracies pertaining to XXXX XXXX XXXX with the account # XXXX are very detrimental to my credit score. I would like this item to be re-investigated immediately According to the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I can request the names and business addresses of each individual of whom verified these account as being accurate, so can you please provide me with this information? Please send me a updated copy of my credit report after your re-investigation is completed. Please see attach files for inconsistency and inaccurate information, and thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to BMW financial services to correct issues around my trade-in of my other vehicle. It took BMW financial services four months to post the payoff I reached out on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. The problem is the account is reporting 19 payments late and those payments have been reporting for more than three years which does not support the term of the loan. At the time when I first noticed the inaccuracies I reached out immediately BMW made the adjustment and delete it from one credit Bureau agency however they have not cleared the matter from all the credit bureau agencies. I called BMW on several occasions and was told I could not speak to anyone regarding the credit department that I would need to write a letter I have written six letters and not heard back from anyone over the past 2 1/2 years. I went to refinance my car these issues came up again that BMW is reporting 19 payments late or 19 payments past due and I have never been been late on my vehicle beyond one month. I was under a program that extended my payments for three months and paid the {$80.00} fee which push three payments to the end of the loan however I pay those funds well in advance and I am above and months ahead on my car note. I would like for BMW financial services to correct my credit bureau immediately and adjust those late payments that they are reporting as they are hindering me from moving forward into purchasing a home and making larger purchases. I am trying to start a business and this has been causing me some significant problems. I have a security clearance that Im reporting and have this listed and its been listed for four years as an ongoing recurring dispute. I need BMW financial services to correct their errors or be penalized for false information and cause an eminent harm to an innocent creditor who has been paying her bills timely
Product: Checking or savings account

Good afternoon ; I am filing a respectful complaint against both XXXX  and XXXX. I am a temporary worker whose company utilizes XXXX to administer payments. XXXX was utilized to receive this payment. XXXX indicated that the payment was returned back to XXXX. I had contacted XXXX and provided another direct deposit. XXXX is stubbornly not listening as I am respectfully indicating that XXXX  rejected its payment. As a result, i am filing a respectful complaint that I am entitled to a compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. -Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as transactions or experiences between the consumer and the person making the report
Product: Debt collection

I have contacted Credit Management on several occasions informing them that I do not owe any debt to XXXX XXXX for {$370.00}, as they are reporting on my credit report. They are refusing to provide written documentation to support this allege debt, and have refuse to remove it from my credit report. 

Credit Management is located at XXXX XXXX XXXX XXXX, TX XXXX They are attempting to collect a debt this is NOT MINES, and continuing contacting and requesting payment. They are ruining my excellent credit score and does not appeared concerned that I am being falsely accused. 

Please help me hold the debt collector accountable. 
XXXX XXXX is the original debtor Acct # XXXX Open XX/XX/2017 {$370.00} Thank you
Product: Credit reporting or other personal consumer reports

I am very disturbed to find public records on my credit report without any apparent reason, and I can not tolerate this. I request you to eliminate these records and update my credit report accordingly.
Product: Vehicle loan or lease

Kept trying to pay loan on XXXX  XXXX XXXX XXXX. Was paying over the amounts needed on the car loan when payments were being made on the loan. They was telling me the payments were late and I still owed a lot of interest on the car even though payments were being made over the amount needed for the loan. Also got deferments on the loan and they still was trying to reprocess the vehicle and was told I had to pay full price for the vehicle through Wells Fargo. Was getting calls multiple times throughout the days and weeks. Supposed to been got the vehicle For the sticker price and they still was adding interest and late fees to the loan.
Product: Debt collection

I am attaching a document I received in the mail on XX/XX/XXXX from XXXX XXXX XXXX XXXX. This was a medical bill from XX/XX/XXXX. Yet the phone number to call of which I did is for Receivable Solutions in XXXX, SC. This bill went into collections with the Receivable Solutions debt collector 10 years ago. 


The letter is a little alarming because it has XXXX entities requesting my personal information to include my social security number XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and possibly Receivable Solutions. The way I am reading the attached document. I am not disclosing my social security when this is all a bit confusing for me. 


I called Receivable Solutions out of XXXX twice yesterday and received different information on both attempts. They stated it was closed out. Another stated that they are collecting again because in XXXX XXXX  XXXX XXXX XXXX paid them around {$200.00}. I stated the statute of limitations in SC is 3 years. Receivable Solutions stated that since XXXX XXXX XXXX XXXX paid in XXXX to them, it starts all over again for them to collect. Please note XXXX is now 5 years since XXXX Dept Paid . This is not accurate for them to go back collecting? Given the XXXX statute of limitations is 3 years. 

I have lived in and out of XXXX XXXX during the course of many years as XXXX XXXX is where most of my employment has been and that being mostly my home state. 


I went on to explain to Receivable Solutions that I am XXXX yrs old and retired at XXXX on the lowest of Social Security {$1000.00} a month. I do not own anything ex : home, car etc. I live with my family on a fixed income, paying my medical/dental premiums and other established bills. 


I am seeking your expedited professional help on this matter to get clarity on the confusion of this situation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Checking or savings account

I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Student loan

FedLoan serving has reported late payments of up to 160 days on my student loan account which is currently in good standing. During the time of all the reported late payments, the loan was in forbearance. I contacted the agency to request the information be updated to reflect that there were no late payments ( as no payments were due while in forbearance ), and was told that they could not do so. I then file disputes with all XXXX credit bureaus, at which point the disputes came back stating that the information would be unchanged. These late payments are preventing me from obtaining a first time home buyer loan and are proving extremely detremential to my credit history.
Product: Credit reporting or other personal consumer reports

I had a XXXX XXXX XXXX account in XXXX that was a joint with my ex and it was indeed closed and charged off. The account that is still on my account shows XXXX which is indeed NOT mine was opened in Arizona using my information. I have never lived in AZ not ever been there until XXXX even to visit. I was able to confirm with XXXX XXXX XXXX  XX/XX/XXXX that this indeed is not my account. I have been trying for hate last two years to get it off, and none of the bureaus would do so. XXXX XXXX XXXX has given me a claim number as well for their files as well as for all credit bureaus to use so it may be removed immediately from my record as it is hurting my credit score. That claim number is as follows XXXX
Product: Credit reporting or other personal consumer reports

I submitted identity theft and XXXX XXXX documentation, including a self-attestation letter, to Equifax on XX/XX/scrub> 2025. It has now been over 4 business days, and according to 12 C.F.R. 1022.142, the self-attestation letter is sufficient to block the adverse items on my credit report. It is unlawful for Equifax to keep these items on my account after receiving this documentation.