23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

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 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
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 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 and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

This bill was paid before the collection agency started collecting. 
Was never in default
Product: Credit card or prepaid card

My XXXX XXXX account alerted me to a hard credit check by Capital One. I had seen a credit card junk mail from them in my USPS app that tells me about my daily mail. I was in another state on vacation. I never got that mail-and I know that other mail had been stolen from that box, because I received a separate alert on that account. I called Capital One. The person I got spoe limited English, and appeared to be speaking from a script.

She could only help me by giving me a mailing address to some anonymous department-I am not even sure that she understood my problem at all. I want automatic denial of any credit card application to Capital One, and I want the hard inquiry on my credit report removed.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I paid off a credit card with XXXX XXXX. It was never updated on my credit report. On XX/XX/2023, I paid off a revolving credit account, it was not updated on any of my credit reports. Interestingly enough, credit increases are reported immediately but credit decreases take upwards of 30 days to update. 

Also, all three of the credit reporting agencies ( XXXX XXXX, Experian and XXXX ) report very different credit scores for me, as does XXXX XXXX. I had to contact all three credit reporting agencies as well as XXXX XXXX to update my scores. They are not updated. The house I am renting is going on the market. I need to continue to repair my credit so I can rent a new apartment or find a lender who will approve me for a mortgage. I'm tired of waiting XXXX months for credit reporting agencies to reflect positive changes on my credit report and the hours I need to spend on the phone just to have an accurate reflection of my credit rating. I'm doing my best after major XXXX and a global pandemic. Credit reporting agencies need to do better and stop discriminating against consumers.
Product: Credit reporting or other personal consumer reports

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities. 

I'm hoping to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating these discrepancies and resolving them appropriately. With the CFPB 's expertise and involvement, I believe we can work together to restore the accuracy of my credit report. I would greatly appreciate your support in this matter!
Product: Debt collection

Creditor is attempting to collect a debt that has already been paid. My account with XXXX in question was cancelled by me and all outstanding balances paid. Debt agency is still trying to contact me after debt has been paid. 
I do not understand why there was a debt to begin with as balance due was paid in full before due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed my bankruptcy with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response which was sent you you multiple times stated the opposite. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Product: Credit card or prepaid card

I spoke to a Chase representative on XX/XX/XXXX at the bank branch ( in XXXX area ) about a balance transfer interest charge ( {$10.00} ), that has occurred monthly in slightly varying amounts. He learned from the Chase AARP representative that the charge goes back to at least XX/XX/XXXX, and they would further investigate. 

Upon request, I received the XX/XX/XXXX statement ( most recent statement ) in paper form dated XX/XX/XXXX. I also received 2 letters ( attached ) from AARP Chase which do not clarify the situation. They mention amounts of {$100.00} and {$700.00}, that are NOT explained clearly. 

It seems to me that computer statements have lost some of the specificity of paper statements of the past. I can not imagine paying off a debt at {$10.00} monthly over the course of ten years. I would never have chosen such an option. I do not recall the original transaction. 

Attached are the responses to my inquiry.
Product: Mortgage

I dont know if its too old but around 2012 we got behind on our mortgage payments and ended up in foreclosure. Well we ended up getting the {$10000.00} we needed to get out of foreclosure. Well went and paid the county clerk I think it was. They sent the check after their fees to Bank of America. The bank send it was wrong so the clerk sent them another check and online it showed everything was good and up to date, for about a day. Then everything went back to delinquent. We spent the next year maybe two fighting with them. The eventually sold our loan to XXXX. We ended up paying thousands in fees and so much stress trying to keep our house. I called so many lawyers but no one wanted to go up against BOA. Any help would be appreciated. Thank You. XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX failing to report payments. the loan was fraudulent and I did not open it. I have disputed it lots of times with all failed attempts. now that they have taken mostly all the money from me during tax time, I was told I'm now responsible for the loan. It shows that I have not paid anything on the loan. when I requested documentation of that, they sent me paper stating that the total I owed was only {$480.00} not {$6700.00} The credit report stated that I owed {$6700.00}. I have disputed it at least 40 times in 6 yrs. and they fail to respond to my letters or disputes. They have been taking my taxes for yrs. now without reporting payment. They broke the loan down into two loans on my credit report and will not respond to me at all. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, IL XXXX is the place they sold the loan to. 
I have the proper receipt from them that all I owe left on the loan is {$480.00} I did not open the loan nor did I sign for the loan. Thank you.
Product: Debt collection

I checked my credit report and found a bill reported written off by Credence Resource Mana on XX/XX/22 in the amount of {$120.00}. I had no knowledge of this bill. I tried talking to the company ( XXXX ), on XX/XX/22. Was told I needed to give them my credit card number to be charged {$120.00}. I had no knowledge of owning any company any money. No bill, no emails, or phone calls. I refund to give them the money and they got very hostile to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act my rights have been violated as a consumer Pursuant to USC 15 1681a ( 1 ) Congress makes it clear that the banking system is dependent on accurate and fair consumer file reporting. My file is in fact not accurate nor fair. Without consulting with me first, your company received false information from alleged creditors and debt collectors and furnished my consumer report before confirming if such information is valid. This is indeed unfair credit reporting. 

It is the purpose of the subchapter USC! 5 1681 ( a ) ( b ) that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit in which a manor that is fair and equitable to the consumer. This information is not relevant, fair, or accurate and was improperly used. There were no reasonable procedures meet I wasnt even contacted about this manner. 

In addition based upon USC 15 1681 ( c ) ( 2 ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft no later than 4 business days after the date of receipt. It has been beyond 30 days and I would like this false information removed because it is inaccurate and causing financial damages. 

This does not comply with the subchapters of the FCRA ( Fair Credit Reporting Act ) and if you do not remove these inaccurate accounts I will have my information removed from your database and no longer do business with any financial institutions that uses your company to receive my information.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : My academic records and personally identifiable information ( PII ). 
My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 
My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. XXXXg ; XXXX CFR Part XXXX ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 
Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements. 
A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose. 
A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations. 
Immediate notification to all major credit bureaus ( Equifax, Experian, TransUnion, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach. 
This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. 
I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above. 
Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution
Product: Checking or savings account

We open a business bank account with Wells Fargo under the name XXXX XXXX XXXX XXXX with the account number : XXXX and Wells Fargo has frozen the account without any explanation. We have been trying to get an answer as to why the account was frozen from the branch and they keep telling my assistant XXXX XXXX that they can not disclose that. It's unfair for the bank to hold our money without a legitimate reason, of which there are none. To the best of our knowledge, the balance as of XX/XX/19 was {$34000.00}.
Product: Money transfer, virtual currency, or money service

In XX/XX/year> ( I need to confirm the date as Zelle does not allow me to view the history ), I made a Zelle transfer of $ XXXX to an incorrect recipient. When I contacted Zelle about the error, I was told the only solution was to contact the wrong recipient directly to request a return of funds. Zelle did not properly disclose before the transfer that there would be no recourse or consumer protection for misdirected payments. This lack of disclosure about consumer rights and protections was not clearly communicated before using the service.
Product: Credit reporting or other personal consumer reports

These records were not opened by me, and I suspect them to be fake. I encourage you to lead an examination and remove them from my credit report. I have submitted supporting reports to approve my statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter in regards to items on my credit report that was not accurate. 

There are 2 address that are not mine and was notified they were on the black market by XXXX Please remove the following addresses : 1. XXXX XXXX XXXX XXXX, XXXX, GA XXXX The following inquiries I did not authorize : 1. XXXX/XXXX. XX/XX/XXXX 2. XXXX XXXX XXXX, XXXX. XX/XX/XXXX 3. XXXX XXXX. XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX Please remove the following account thats not mine : 1. XXXX XXXX XX/XX/XXXX The following account came back as not mind on my other Bureaus but is listed on this one, please delete this account which is not mine, XXXX XXXX XX/XX/XXXX. 

Please make the following corrections to my credit report. 
Thanks in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

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

On several occasions I have received a letter st tight the XXXX XXXX has provided information about me which seems to be false when I try to contact them to dispute or find out what information they provided I can not get to theye are reporting to creditors that I have a credit score of XXXX out of 900 which is false info and caused me to be denied credit.
Product: Credit card

I used XXXX for years at {$9.00} a month, with no problems until Experian.com, the credit reporting company, merged them into their systems and they converted my account into an Experian account. Right off the bat their were issues, I could not access my account the first two months. When I finally got access they billed me for approximately {$70.00}. I called them to resolve the charges and all was ok until the following day when I received a cancellation notice from Experian. I called to complain and they stated that it is standard practice to cancel an account when a refund is processed, even if it is their billing mistake. I was floored, so in essence according to Experian they have never generated an incorrect bill and if you do not pay you get the boot and must change services, as if there are many credit report monitoring services to choose from.
Product: Money transfer, virtual currency, or money service

A Wire Transfer was made from old national bank Old National Bank, XXXX, IN XXXX XXXX XXXX a US Citizen from XXXX XXXX XXXX, XXXX, Indiana, XXXX. 
Payment for USD XXXX was made on on XXXX XX/XX/2022 to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to purchase mobile accessories. 
There was no communication while XXXX XXXX XXXX holidays with the company so wire XXXX was done. but later she got goods by XXXX. Proof of delivery also have But XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inactivated the account cause of XXXX 
XXXX XXXX and her XXXX went to Old national bank XXXX XXXX  and the wire department also many times but bank not cancel or terminated the XXXX XXXX. 
To the bank never listen and not provide any termination. not done anything, cause of this XXXX XXXX XXXX Bank Account has been inactive and on the edge of disclosure. both the banks not doing any communication and just trouble the XXXX. 
Please see into this matter, just need wire cancellation and also XXXX from old national bank towards the XXXX XXXX XXXX. 
XXXX XXXX has submitted documents for her fault and admitted it. 

waiting youre reply
Product: Credit reporting or other personal consumer reports

I WAS NEVER LATE ON THIS ACCOUNT I was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report per usc 15 1666B
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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: Credit reporting or other personal consumer reports

In 2022 someone tried to get a home in my name using all my information without my knowledge or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well I got one account on Experian from XXXX XXXX XXXX for XXXX dollar that account is no mine also I got another account on XXXX for XXXX that account is no mine I try to contact the credit agency for months and they still claim that information is mine I nedd that remove from my credit file ASAP
Product: Debt collection

I recently discovered that Summit Account Resolution is reporting a debt that I do not owe to all three credit bureaus. After discovering this discrepancy I reached out via certified mail to Summit Account  Resolutions providing proof of full payment made to the original creditor and also requested removal of the negative account being reported. Summit replied by mail still requesting that I remit payment for a debt that I do not owe ( refusal to remove negative account ). This is a violation of the FCRA and if this matter is not resolved immediately I will be filing a claim for damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple good will letters and disputed the items with the bureau and no one would help me. I called multiple times on different occasions and I still have received no help. Normally there are extremely long wait times when calling to speak with a representative and sometimes the representative doesnt want to hear you out fully and i dont agree with this process. Im very upset that I still havent gotten this issue resolved.