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

Back XX/XX/2020 I filed disputes with the bureaus.Two months later and still nothing from or any change on my credit report. Why is this taking so long? Are all three close because of Covid that the only thing I can think of for them not doing their job.I would like matter resolve soon
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts. I believe that i was victim of Identity Theft, someone stole my personal information and applied for all these companies.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. XX/XX/XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction or removal of the erroneous information about my account has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX PA ) XXXX FST PREMIER XXXX
Product: Checking or savings account

I am writing to formally register a complaint regarding the unprofessional conduct and discriminatory treatment I experienced during my recent visit to The Wells Fargo bank branch located at XXXX XXXX XXXX, XXXX, FL, on XX/XX/2024. My appointment, scheduled for XXXX XXXX  to open a business account, was marred by a series of distressing interactions with your staff. 

Upon arrival, I was greeted by XXXX XXXX XXXX, whose demeanor initially exuded professionalism and enthusiasm to assist me. However, the atmosphere shifted significantly upon my introduction to Small Business Banker, XXXX XXXX XXXX ( XXXX XXXX / XXXX ). 

XXXX XXXX 's demeanor was notably different from XXXX XXXX ', displaying signs of annoyance and impatience from the onset. Despite her demeanor, I proceeded with the meeting as I presumed her behavior was unrelated to our interaction. 

Throughout our discussion, XXXX XXXX 's approach became increasingly confrontational and uncooperative. She exhibited a dismissive attitude towards my queries and appeared determined to find reasons to deny assistance. Notably, she expressed skepticism regarding my eligibility to open a business account due to my lack of an existing personal account with Wells Fargo. 

Furthermore, XXXX XXXX 's insistence on specific documentation, such as the IRS letter containing the EIN, was communicated ambiguously and inconsistently, leading to unnecessary confusion and delays. When I attempted to provide the required information, she interrupted me and demanded it be sent to her email, causing further frustration. 

Moreover, her insistence on aligning the business address with state records, regardless of practical considerations, seemed arbitrary and contrary to Wells Fargo 's stated policies. This was later corroborated by my independent verification on Wells Fargo 's website and confirmation from an " Escalation Representative '' from the Business Department. 

The situation escalated upon the arrival of Senior Program Manager, XXXX XXXX XXXX, whose demeanor was confrontational and adversarial from the outset. Despite my attempts to seek clarification and understanding, XXXX XXXX responded with aggression and hostility, resorting to loud and disrespectful tones. 

He repeatedly interrupted me and refused to address my concerns, insisting that I accept XXXX XXXX 's assertions without question. When I attempted to express my confusion and seek clarification, he became increasingly agitated and raised his voice, dismissing my inquiries with contempt. I was then denied the opportunity to open an account and I was asked to leave the premises by XXXX XXXX. 

The culmination of their behavior, including mocking laughter directed towards me, was deeply upsetting and unacceptable. I am appalled by the lack of professionalism and courtesy displayed by XXXX XXXX and XXXX XXXX throughout our interaction. 

Moreover, upon reflection, I can not disregard the possibility that their treatment of me was influenced by discriminatory biases. As a XXXX Veteran with visible tattoos, I can not overlook the potential role of prejudice in their demeanor towards me.
Product: Checking or savings account

I want to wire some money to my bank in XXXX. My account specifically allows wire transfers to other countries. I used their online portal. There always comes the same error : " You can't send a digital wire from this account because we're missing key address information ''. I had already called their address change hotline and changed my address yesterday, as well as several other phone calls and hours of holding and listening to their menu. They won't provide any solution. They need to let me access my funds. I had no idea they would make it so difficult.
Product: Credit reporting or other personal consumer reports

I asked Trans Union to verify what they have as proof that this information belongs to me. They did not respond with proof of that information requested. I have been disputing this for years with this agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN XXXX  XXXX REPORTING FTC VIOLATION ON THIS XXXX XXXX XXXX XXXX THAT IS NOT MINE OR NO KNOWLEDGE OF
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 process 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 there violence.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and trans union are reporting different information on a lot of accounts for instance XXXX XXXX XXXX XXXX XXXX XXXX Are all reporting different balances and account statuses these are affecting my credit when according to 15 USC 1681 all three bureaus are to report accurately or delete the account
Product: Vehicle loan or lease

vehicle was repossessed but Westlake Financial Service is still reporting a past due on my credit report which is inaccurate
Product: Checking or savings account

I sold tickets on XXXX. Two days AFTER the event, the buyers reported to XXXX that my tickets did not work. I tried settling it out with XXXX and did what they asked me to do. I contacted XXXX XXXX XXXX ( the venue ) to ask for a scan report for the event and my tickets, and they told me they are unable to send me the scan report because they do not keep scan reports. I then contacted XXXX ( original ticket selling website for the event ) and asked them for a scan report and they told me they do not have scan reports for the event. I emailed XXXX all of my conversation transcripts with both XXXX XXXX and XXXX. I also emailed my original order receipt for the event. XXXX emailed me back saying they understand that it is beyond my reach to obtain the scan reports. Then I saw on my bank account that they immediately took out the money from my bank account. I asked XXXX for proof that the buyers really were not able to get in with my tickets, and any other proof that they did not just reported me just to get their money back even though they got in to the event. XXXX NEVER replied to my email after they have already taken out the money from my bank account. XXXX did not show me proof that the buyers were not lying, and I did everything I could to cooperate and get all the information that I could. I disputed this charge to Bank of America, but they decided to close the case in favor of XXXX. I would like Bank of America to research this further and help me obtain the proof that I am asking from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have discovered inaccurate information on my credit report. The report is in my name XXXX XXXX and my Social Security number is XXXX. I believe this account is reporting inaccurately. I do not recall having an account with this company. I don't think there is legal contract between this company & myself. I would like you to provide me verifiable proof this account belongs to me. I request a signed contract which will demonstrate a legal agreement. Please delete. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Student loan

I had automatic debit for my loan, yet I was charged monthly late fees. I also applied for loan forgiveness, and was told I would receive administrative forbearance ; however, the payments continued. It got worse, Navient deducted {$220.00} on XX/XX/19 and again on XX/XX/19, which hurtled me into a financial landslide. Finally, the discontinued autopsy, after I demanded it. I demanded they return my extra payment, and they to me it would have to be approved, which would take 2 weeks. Meanwhile, my stress level has increased, and I do not know how to stop their trickery.
Product: Checking or savings account

I got in overdraft by like XXXX dollars, then America First threw in extra overdraft late fees so I can be discouraged to pay. Please waive my XXXX. Lets start fresh. I want my XXXX card.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Radius Global Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim  '' I owe XXXX? 

This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. 


Sincerely, XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claim. 

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

I am formally submitting this CFPB complaint today to bring to your immediate attention the distressing fact that I have fallen victim to a severe case of identity theft. After conducting thorough research on the appropriate steps to rectify this situation, it has become evident that I must engage with the FEDERAL TRADE COMMISSION, accessible through their official website at https : //www.ftc.gov, in order to file a comprehensive report. I would like to emphasize that, as per the explicit provisions outlined in FCRA Section 605b, it is mandatory for Credit Reporting Agencies to promptly remove or block any accounts listed in connection with an identity theft report. For your convenience, I have enclosed the necessary supporting documentation to facilitate the swift elimination of the erroneous information that is tarnishing my credit report. The following accounts, which clearly do not pertain to me and have been illicitly opened without my authorization, require immediate attention : 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 Furthermore, in strict accordance with FCRA Section 605B ( a ), it is explicitly stated that the CREDIT REPORTING AGENCIES are obligated to expeditiously block any information within a consumer 's file that is recognized by the consumer as originating from an identity theft incident. This crucial action must be taken no later than four business days from the date of receipt.
Product: Debt collection

I paid a XXXX debt to work and Lentz I called and they verified multiple times it was paid in XXXX but will not update Credit report I have disputed it 3 times they still say I owe it to the credit bureau I asked for a paid in full letter they said they cld mail but not email Have never received
Product: Money transfer, virtual currency, or money service

True USD is not supported by Coinbase however its not in Coinbase but its on Coinbase wallet and my Coinbase wallet is linked to Coinbase account, they only say its not supported. they didn't reject transaction, they didn't move to wallet they dont return money to my wallet and wont help me. 
Amount is {$200000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance is reporting an alleged account # XXXX Wrong to all 3 Bureaus Credit Acceptance is allegedly stating that I have not been paying them on time for more than a year but yet I have proof that they withdraw the amount from my account every month. I called to correct yet they tell me they will fix and they don'ti. They state the alleged date of the first major delinquency is XX/XX/2019 yet I have proof of every payment after that date so this can not possibly the date of the first major delinquency so this is also inaccurate effortlessly violating 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information. this inaccurate account must be deleted from my report it is hurting me in a major way payment history 35 % of my credit score.
Product: Debt collection

So I called to see if the debt was mine with Pro Collect. I tried to ask for everything over the phone because its a debt collection company its not the original creditor. The lady told me if I didnt pay my credit would count i he to clash. I asked for 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; 2. The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent.

I have yet to receive anything in the mail.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the inaccurate account in my report : XXXX XXXX Balance : {$440.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I am writing to formally dispute the unauthorized access and furnishing of my credit information. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, a consumer reporting agency may only furnish a consumer report under specific circumstances and with the consumer 's written consent or under other lawful conditions. I have recently reviewed my credit report and noticed that my credit information has been accessed or furnished without my written consent. As per 15 USC 1681b, consumer reports may only be obtained for purposes authorized by the FCRA, which include credit transactions, employment purposes, insurance underwriting, and other permissible purposes. Furthermore, under 15 USC 1681c, the report must be accurate and include information based on authorized requests only. To rectify this situation, I am requesting the following : 1. Immediate Investigation : An investigation into the circumstances of the unauthorized access and furnishing of my credit information. 2. Correction and Removal : Removal of any and all records of the unauthorized access or furnishing of my credit information from my credit report. 3. Written Confirmation : Written confirmation that my dispute has been investigated and that any unauthorized entries have been removed from my credit report. Please conduct this investigation promptly and notify me of the outcome within the timeframe required by law. I have enclosed copies of my credit report. If this matter is not resolved satisfactorily, I will consider taking further action to protect my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXXTransUnion XXXX XXXX XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Checking or savings account

I called Citibank when my CD matured. Spoke to associate to close it and he confirmed verbally. But instead the renewed it for 1 year. 

Please help. 

Thank you
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. You are reporting Inaccurate information in consumer reports concerning me that you have compiled and published to third parties. 

The following tradeline item is inaccurate. 
Account Name : XXXX  Account Number : XXXX I have two late payments on an account that I was in fact Paid On Time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I'm now requesting you investigate and provide verifiable PROOF with records showing that I had late payments. If this information can not be verified I demand these payments be updated to Paid On Time immediately. The inaccurate that you are reporting concerning me is harming me personally, emotionally, and financially, and causing me damage. Thank you for your understanding and prompt action.