23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I received a letter dtd XXXX XX/XX/2019 from PayPal Credit, Synchrony Bank c/o XXXX XXXX XXXX XXXX, indicating that an account had been initiated in my name, and said letter explained the terms of said account. However, I never requested a PayPal Credit line, and when I log onto my PayPal, no indication of a PayPal credit account is shown. On XXXX XXXX, I wrote a letter to PayPal Credit ... .and indicated that I had not requested nor did I want such an account. I also requested information on any monies activity associated with said account. I received no response from the company so I initiated a 2nd letter, again requesting termination of said account and information on money activity. On the XXXX of XX/XX/2019 I received a response indicating they had initiated an investigation and frozen the account, and would get back to me after the investigation. However, they did not terminate the account nor advise me of any money activity, or explain why they didn't comply with either of my requests. Tomorrow, I'm sending a 3rd letter indicating that their actions were unacceptable, and that I was contacting the CEOs of PayPal, and Synchrony Bank, your organization, and our local Sheriff 's Department.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Debt collection

This debt is from an account shared which my ex had used my ssn without my permission. Obtained phones and lines of service resulting in a XXXX dollar debt. I furnished proof that she owned the debt via text messages, not only sent through XXXX  but to southwest credit systems located in texas. They also have posted the debt from years ago as new. It already was disputed successfully and removed from a credit collection agency named XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a consistent issue with credit reporting agencies. For one XXXX won't allow me to get a free credit report unless I pay their subscription fee I have tried to get one through free credit report.com and it will not allow me to pull one. Also, my XXXX XXXX XXXX account is constantly reported as inaccurate. Just recently after a dispute they have reopened my account on my credit report which is a flagrant violation of the FCRA as they are attempting to re-age/keep the account open longer and change factual information related to the dates. I have submitted a 609 and 611 letters to XXXX and Experian they both ignored the 609 letter requesting sources of information used and to provide those to me. ALSO I submitted a 611 letter just recently demanding they provide me the sources of contact etc used for their investigation Experian no longer lets me submit disputes on the account and tries to prevent me from disputing it at all. The account in question has repeatedly opened and closed the account attempted to re-age and reports incorrect balances on all bureaus resulting in financial hardship resulting in denial of Mortgages loans etc when I would otherwise be able to attain these loans. I understand the account is on their for a reason BUT they flagrantly try to ruin and destroy my credit through shifty and shady means and the credit bureaus illegally are allowing this to happen. Also, I have tried a credit repair companies several to say the least to fix the issue and they flat out told me they will not process disputes because I use a thrid party and they believe the disputes are fraudulent as it is not me. Whereas under the FCRA it is my right to use a third-party credit repair company at my leisure and I am well within my legal right to as well. Please look into and charge/fine the 3 bureaus for failure to follow federal law under the FCRA as they refuse to help consumers and only strive to help creditors ruin and damage a person 's credit report to try and force them to pay a time-barred debt. ALso clarifying that XXXX will not allow me to access a credit report and or allow me to dispute any items except through XXXX XXXX unless I pay their XXXX monthly fee or they have illegally locked me out due to the fact I did use a third party credit repair agent to try and fix items under my behalf such as XXXXXXXX XXXX
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 an address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces 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 faraoeial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies involving my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough and authentic investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions also may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5336 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings ( XXXX XXXX. XXXX ) against them for similar violations. I requested that CFPB take appropriate action to ensure Equifax complies with the necessary proof of investigation. 

XXXX  XXXX Account number : XXXX Balance : {$110.00} Date : XXXX XXXX  XXXX Account number : XXXX Balance : {$84.00} Date : XXXX XXXX  XXXX XXXX Account number : XXXX Balance : {$1400.00} Date : XXXX XXXX and XXXX Account number : XXXX Balance : {$130.00} Date : XXXX XXXX XXXX XXXX XXXX Account number : XXXX Date : XXXX XXXX XXXX XXXX number : XXXX Date : XXXX Balance : {$7400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a bankruptcy discharged in XX/XX/XXXX. XXXX waited 10 years after my bankruptcy and put it back on my credit. I had to fight with all the credit bureaus to get it removed. I sent in my bankruptcy papers to Equifax to have it deleted. Equifax ADDED the bankruptcy to my credit file. I spent 3 hrs on the phone arguing with them to have a young woman from overseas state that my bankruptcy was filed in XX/XX/XXXX and would remain on my credit for 10 years. I sent a schedule showing them listed as an unsecured creditor and also the discharge papers. Equifax will not admit they made a mistake by placing an 11 year old bankruptcy on my credit and said I needed to dispute it. Why would I need to disputed something they added to my file incorrectly? I have been going in circles with them regarding this bankruptcy and I am at wits end. Please assist me with this. They Equifax operator said the bankruptcy has never fallen off my credit ... from XX/XX/XXXX??? This is unreal!!! These credit bureaus do not have the right to ruin lives and upset you day to day life style ... and then take their time to correct the error.
Product: Debt collection

I requested the CFPB withdraw my first complaint so I could add the collections letter Prince Parker & Associates sent with a fake website address to the CFPB ( XXXX ). In my below complaint, it will address the fake site Prince Parker & Associates directs people to in order " to learn more about your rights under federal law. '' On XX/XX/year>, I paid XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ). On XX/XX/year>, I received a call and spoke with XXXX at Prince Parker and Associates ( PP & A ) and informed her I'd previously paid XXXX XXXX XXXX XXXX. XXXX told me they'd not received notice that I had paid and I needed to call XXXX XXXX XXXX XXXX. I told XXXX that I already paid and she needed to call and confirm if she needed to. XXXX snapped at me saying it was my responsibility. I ended up calling XXXX XXXX XXXX XXXX and they confirmed they already emailed PP & A letting them know the account was paid. However, the representative at XXXX XXXX XXXX XXXX emailed PP & A again notifying them I had paid. 

Today, XX/XX/year>, I received in the mail a collections letter from PP & A. First, I would like to say, PP & A is clearly, intentionally misrepresenting information to customers. As you will see from the attached letter, I've highlighted where they refer customers to the CFPB for more information on their debt collection rights. However, PP & A is not referring people to the CFPBs actual site. They are referring people to XXXX  which does not bring you to a legitimate website. I decided to call PP & A today but was dreading calling them because XXXX has such a nasty personality. I called and XXXX picked up. She told me XXXX XXXX XXXX XXXX never told them I had paid ( which is untrue ) and told me I had to sort it out. I informed her it is illegal to collect on a debt that is no longer owed. She snapped at me and then hung up on me! 

This business needs to be investigated for their illegal collections tactics, as well as they should pull and review XXXX 's calls. I'm a paralegal and used to work for a third-party debt collection company in compliance. I listened to numerous calls and dealt with irate, escalated customers. XXXX should not be working for any company dealing with customers. She is the rudest and most unprofessional person I've ever spoken with on the phone. If this harassment continues, I will be hiring an attorney to deal with this situation, because they've already violated FDCPA, NC Collection Agency Act, and NC Debt Collection Act by harassing me on a debt that is not owed, after they've received numerous confirmations that the debt was paid.
Product: Money transfer, virtual currency, or money service

I am writing 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 claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2017 This account has incorrect information, I want it removed from my credit 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

I would like these inquiries deleted because I did not authorize these companies to run my credit.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Why are these fraudulent items on my credit report. I did not open any of them nor do I have access to any of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My lender pulled a copy of my credit report and there are two accounts reporting late payments as of this year and that is impossible because the accounts were paid off completely in XXXX. XXXX  XXXX XXXX XXXX is reporting late as of XX/XX/XXXX yet all the information showing paid and last activity was XX/XX/XXXX ( when the account was truly paid off ) The other account is with Specialized Loan Servicing XXXX again shows last payment XX/XX/XXXX and max delinquency XX/XX/XXXX. Again this was paid off in XXXX so how can the last Delinquency date be XX/XX/XXXX??????? I am not sure which bureau is reporting this false information since what was received was a merged lenders report but I want this false information fixed. There should be no late payments on either account this year or even last year!. This was disputed several times so why is this reporting wrong?
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Date of Payment Processing Error : The late payments were reported incorrectly due to a processing delay by XXXX  XXXX that resulted in the payment being recorded late, even though the payment was initiated on time. 
Inconsistent Reporting Across Bureaus : The payment dates and statuses reported by XXXX, XXXX, and Equifax are inconsistent, further indicating a discrepancy in the handling of my account information. 
Evidence provided : Bank statements showing payment initiation dates. 
Payment confirmations from XXXX  XXXX showing on-time payments. 
Correspondence with XXXX  XXXX acknowledging the payment processing delay. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery constantly calls from different numbers. When I block one of their numbers, they call from another one. I have no debts. I pay off credit cards in 30 days with auto-pay from my bank account. This may be one of those " zombie debts '' that XXXX XXXX was just fined for. I would like Portfolio Recovery to stop calling.
Product: Credit reporting

XXXX items for XXXX XXXX XXXX appear on my Credit Report.never had bank with this institution. I went to this Bank and they enter my information wich result i do not appear in their system at all.The bank told me tu dispute it with credit bureau due to the fact that is there error.
Product: Credit reporting or other personal consumer reports

Ive contacted XXXX XXXX XXXX XXXX about Account XXXX Ive stated to the company Representative that this account is currently in litigation involved in a Lawsuit which this account is apart of the company representative Who only gave her first name XXXX and Email XXXX stated that she did contact the original debtor during her investigation and stated that it was reported before the litigation but she did acknowledge that it was involved in the courts I then ask her again then if you did verify its in litigation why has it not been resolved No matter when it was first reported when you verified that it was in litigation it was supposed to be removed by Law she then repeated the same answer because it was reported before litigation I then stated that by Federal law that all reporting has to be stopped or removed while it in litigation she then acted like she didnt know that part and refused to assist any further I again stated by law you have to remove this from the credit agencies while its in litigation she then became more rude on the call
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I sent letter to the 3 credit reporting companies XXXX Equifax and XXXX, asking them to do a Theral review of my credit report, they did but i did research and found improper even after their Theral research. the account # XXXX XXXX XXXX XXXX does not belong to me and several companies XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all pulled my credit report without my written okay to them. In accordance with the fair credit reporting act XXXX account # XXXX have violated my rights 15.u.sc6181 section 602a section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions, i have done none of that i had no knowledge. i have been frauded not only by the person whose been using my identity and by the credit reporting bureaus.
Product: Debt collection

Hello, I have purchased a vehicle for the total of {$500.00} my car stop running in front of a XX/XX/XXXX in XXXX XXXX. This happen about five months ago. About a week after my car was towed i received a letter from the tow company names XXXX XXXX and XXXX. They stated mt bill and recommended me to come pick up the vehicle. I went the the company and picked up my belongings and informed the company i couldn't afford a bill at the amount that they were asking for. I ask if i could get my belongings. They let me get my belonging and informed me the vehicle would be sold. Today date is XX/XX/XXXX. I'm receiving a letter from a collection agency stating i own {$2900.00} due to the vehicle that wasn't release from the tow yard. I called the tow yard and ask them why wasn't I informed that i would still have to pay regardless if i left the car onsite. The company stated i was sent a lien packet. I never received a lien packet regarding my car. I feel like i was scammed into thinking my car would just be sold. Instead i am being charge a daily fee that i was unaware of.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exist. ( Please remove this account before I seek litigation for defamation of character ) XXXX Bank, XXXX XXXX reso balance {$300.00}, XXXX XXXX XXXX balance {$500.00}, XXXX XXXX XXXX  balance {$790.00}.
Product: Debt collection

This Account # XXXX Does not belong to me. 
XX/XX/2021 I have noticed inaccurate information on my credit report XX/XX/2021, I have sent to Nissan motors a request to verify this Account # XXXX 30+day pass and on XX/XX/2021 there was a response from Nissan motor XXXX on XX/XX/2021, I have reach out to XXXX XXXX XXXX, to Investigate the account. 
This account was never investigated by XXXX Came out as verified. 
XXXX has updated my account. Showing two accounts. With a different account number showing # XXXX Which this account, is one of my old accounts, that is paid in full. XXXX has sent me a letter saying that they will not conduct any further investigation after this latter rich 30 days. 

On XXXX Account # XXXX. Is showing Too Account # XXXX and XXXX. 
Which this XXXX is the Same account.as Account # XXXX. 
Experian Have. Investigated this account. updated account and still shows as verified. 

on XXXX this Account # XXXX is Different from XXXX XXXX XXXX not reporting accurate data and not reporting the right day this account is Supposed to be out of my credit report. 76, terms. Every other reporting agency is reporting 75. 

I have included. A copy of my Social Security card. California ID. 
Proof of residency. the Verified letters, that XXXX send To me. A copy of the contract. The letters. Requesting. Verification. of my behave. Copy of my credit report, that shows inaccuracy on all three major Credit bureaus I also have sent Copies of the Dispute to all Credit Reporting Agent agencies. XXXX XXXX XXXX. CFPB You should receive a package by mail. on Monday XXXXwith a contract that shows a signature that doesn't belong to me. The name is spelled wrong and is not signed by me. I want this remove deleted from my credit report.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to express my deep concerns and frustration regarding the recent investigation I conducted on my credit report. The findings of this investigation have not only caused me severe emotional distress but have also uncovered several unverifiable, invalidated, inaccurate, and questionable items. I believe it is essential for your agency to ensure that all information reported on my credit report is 100 % accurate, in accordance with the Fair Credit Reporting Act. 

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), it is clear that credit reporting agencies are obligated to maintain the utmost accuracy when reporting consumer information. Unfortunately, these accounts that I have identified are in clear violation of these statutory requirements as they are not reporting information that is 100 % accurate. 

I would like to bring to your attention that the credit reporting agencies have acknowledged these discrepancies in my credit report. However, their response and action taken thus far have been insufficient, and these inaccuracies continue to affect my financial well-being. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and ensure that the necessary corrective actions are taken promptly. It is of utmost importance that my credit report accurately reflects my financial history, as these inaccuracies have significant implications for my financial future. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution of this issue and appreciate your dedication to upholding the integrity of credit reporting in accordance with federal law.