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

I have been sending letters to Equifax all year to remove an account because it was not properly verified and it violated my rights I have asked Equifax For verification and I have also asked them for method of verification which they did not provide but According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Your company is required by federal law to verify through the physical verification of the original sign consumer contract any and all accounts you post on a credit report to a sure maximum accuracy. 0n XX/XX/2020 I sent a letter providing proof that they did not properly verify my account and have violated my rights under the FCRA I have attached proof of this error and a recent screen shot of the credit account
Product: Credit card

I am trying to pay down my credit card debt in an effort to purchase a home. I am specifically looking to decrease my credit utilization and am paying off my high-interest credit card debt in order to do so. For the first time in my history with SoFi, I made a payment that was significantly higher than the minimum payment due. The payment was for {$550.00}, which I processed on XX/XX/XXXX. On XX/XX/XXXX, I received an email notification from SoFi that my credit limit would be decreased from {$4500.00} to {$4000.00}, immediately following this payment. This also had not previously occurred in my history with the company. I did not notice the notification right away, and was surprised ( and demoralized ) when I learned that this had occurred, on approximately XX/XX/XXXX. I reached out to SoFi on XX/XX/XXXX and connected with a customer service representative via the chat function. I explained the goals around paying off my debt and my confusion that my credit limit had decreased at exactly the same time that I made this larger payment. They clarified that they had no internal appeals process and could not overturn the decision, and that there was no one that I could speak with about it. I also asked for some assurance that this would not continue to occur if I continued to pay down my past due balance, and the company was unable to offer this assurance to me. They also continued to clarify that there was no one else that I could speak with regarding my concerns. This action has resulted in an increase in my credit utilization, which has negatively impacted my credit report despite my sincere and difficult efforts to do the right thing. It has also exacerbated the problems that they have cited as the reason for dropping my credit limit. It is disappointing and demoralizing.
Product: Money transfer, virtual currency, or money service

repeatedly attempted to submit payment, only to be told it was declined, but without any explanation.
Product: Credit reporting

Hi administrators, I addressed the financial institutions of Bank of America. Regards were making an attempt to establish credit. I applied for a XXXX Credit Card. Furthermore, now several attempts have been initiated. Please would you be given the time to investigate one more final time. I surely appreciate it. 
Thanks, XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I initiated an XXXX transfer from Betterment XXXX to XXXX for a brokerage account. On XX/XX/XXXX Betterment declined this request with a reason of a mismatched social. My wife and I went into XXXX, reviewed our socials and they were both correct. I contacted Betterment and gave them our socials, which they claimed were correct. We resubmitted the transfer and it once again was rejected by Betterment for the same reason. We resubmitted once again and I got another declined transaction from betterment on XXXX. I called Betterment again on XXXX and was told by the agent she couldn't help me. She was submitting something to their operations team and they would respond in 1-2 business days. That time has now passed and no one has reached out to me. 

Betterment is trying to withhold my money and not providing details or solutions as they continually reject our request to transfer out funds.
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. there is some inaccurate information reporting XXXX  Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

Delete the accounts below : XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

By 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. XXXX XXXX has violated my rights under 15 USC 1681, Section 602 ( a ), which states that consumers have a right to privacy. Additionally, 15 USC 1681, Section 604 ( a ) states that a consumer reporting agency can not furnish an account without my written instruction.

Furthermore, 15 USC 1681 ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse items of information other than records of convictions of crimes which antedate the report by more than seven years. According to 15 USC 1681s-2 ( a ) ( 1 ), a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I was looking into my credit report and I noticed that Alliance Collection Agencies had reported information in my credit report which violates FCRA AND FDCPA. I sent certified letters to them to verified the accounts with not success. Instead they decided to report it to the all of the credit bureaus XXXX, XXXX  & XXXX XXXX. Since they violated the FCRA & FDCPA I am forced to file a suit for not complying with my request. This account is NOT VERIFIED and I had enough of their negligence. Attached you will find the letter was sent to them on XX/XX/2021.
Product: Mortgage

Atten : Specialized Loan Servicing Please verify and confirm that the Note Custodian you refer to in previous communications through the CFPB as holder of Original Documents for XXXX XXXX XXXX Home equity line agreement and Disclosure statement is " RECON TRUST ''
Product: Credit card

On XX/XX/2024, I attempted to pay the balance on my new Wells Fargo account. Their website would not accept payment from my checking account. They want to be paid ONLY by their Wells Farge checking account. 
Next, I decided to call the company to pay the balance due. My call was answered by a woman with an accent. I told her that the website would not accept my payment and asked her to take the payment over the phone. She did and I deducted it from my account. 
A few days later Wells Fargo sent a letter confirming the transaction, however, no payment was taken from my account. Apparently, the person receiving the information got the account number wrong. 
I checked my checking account and no payment was withdrawn. 
I contacted Wells Fargo and submitted a complaint, case # XXXX. 
Two days later a man from Wells Fargo, XXXX, called to discuss the complaint. He did NOT resolve the issues. Instead, he made excuses saying, " We hire people from all over the world and their XXXX may not be the best. '' I received absolutely no help from him regarding their nonacceptance of payment from other banks on their website. He even tried to blame their errors on me, rather than take responsibility for the miscoding of my account number and the misspelling of the name of my bank. 
I am ending my use of the Wells Fargo credit card and warning everyone else of their incompetence and arrogance. 
My husband and I finally had to go to another city where a Wells Fargo bank is located to pay the bill in person. We are retired people who are not in the best of health. We consider the treatment we received abusive.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute telemarketing activities conducted by XX/XX/XXXX XXXX XXXX XXXX appear to violate the Telemarketing Sales Rule ( TSR ) and other applicable laws. Specifically, under the Telemarketing Act, 15 U.S.C. 6103 ( a ) and ( f ) ( 2 ), the States of Colorado and Minnesota, by their respective Attorneys General, are authorized to take legal action to enjoin such activities and enforce compliance with the TSR. 

I believeXX/XX/XXXX XXXX XXXX has engaged in activities that contravene these provisions. These actions have caused distressed in my day to day life. 

Pursuant to the Telemarketing Act and the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5552 ( a ), enforcement is also permissible to secure damages, restitution, and other remedies for affected consumers. As such, I request : 1. A complete and immediate cessation of all telemarketing communications directed at my phone number ( s ) : XXXX 2. Documentation of any agreements or authorizations you allege permit such communications.

3. Compensation for any damages or harm caused by the aforementioned activities.

If this issue is not resolved promptly, I may escalate this matter to the appropriate state or federal authorities, including the Attorneys General of Colorado and Minnesota, who are empowered to enforce these laws and protect consumers rights.

Please respond to this dispute within reasonable timeframe, e.g., 30 days from the date of this letter. Failure to address this matter adequately may leave me with no option but to pursue additional legal remedies.

Thank you for your immediate attention to this matter. I look forward to your prompt response
Product: Mortgage

I received exceptional service from my lender and it angers me that I can not comlain about it
Product: Credit reporting or other personal consumer reports

I'm in the process of buying my first home and I went to review my Consumer Report with Experian to make sure no inaccurate information was being unlawfully reported. 
To my surprise, there was a number of inaccurate late payments actively being reported by XXXX under account XXXX XXXX. 

FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The Law clearly states that " transactions '' ( payment history ) and " experiences '' ( utilization ) are EXCLUDED from being reported on my Consumer Report! This is a serious violation of my rights as a consumer and has negatively impacted my ability for credit extension in order to buy my first home! 
Therefore I demand that this account be permanently UPDATED to " Paid As Agreed Never Late '' or be permanently DELETED from my Experian, XXXX, and XXXX XXXX Report immediately! 
I am also seeking damages in the amount of {$1000.00} per violation ( listed below ) against each Credit Bureau for their willful and blatant violation of my rights as a Consumer and failure to take action to cure the problem when initially reported : a. Defamation of Character b. Negligent Enablement of Identity Fraud c. Fair Debt Collections Practices Act 15 USC 1692g violations d. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 USC 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Date Filed :  XX/XX/XXXX  Case Number :  XXXX  Court Number/Name : Court Address :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX     XXXX    XXXX , IL   XXXX   (  XXXX  )   XXXX    Amount : {$3800.00} Class : VS/ State Lien Status : Date Released :  XX/XX/XXXX  *****************THIS WAS RELEASED ON  XX/XX/XXXX  Date Reported : Comments : *****This lien was released on  XX/XX/XXXX . I have attempted numerous times to get this corrected. Since it is inaccurate information, I would like it removed from my report all together********** **************************************************************************************************** Date Filed : XX/XX/XXXX  Case Number :   XXXX   Court Number/Name : Court Address :   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   , CA  XXXX  (   XXXX   )   XXXX   Amount : {$1600.00} Class : VS/ State Lien Status : Date Released :  XX/XX/XXXX  *********THIS WAS RELEASED ON XX/XX/XXXX  Date Reported : Comments : *****This lien was released on XX/XX/XXXX . I have attempted numerous times to get this corrected. Since it is inaccurate information, I would like it removed from my report all together**********
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience that Experian has neither corrected nor removed despite the evidence I have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My property was foreclosed and filed on XX/XX/XXXX by XX/XX/XXXX c/o XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX. The filing was in the state of Wisconsin , county of XXXX XXXX XXXX. The property was sold on auction on XX/XX/XXXX. XXXX sent me a tax form XXXX  for Debt cancellation of {$7100.00} in which I paid taxes on for XX/XX/XXXX filings based on fair market value of {$56000.00}. I recently observed my credit report for Equifax and noticed XXXX  was listed as open and a debt of {$5400.00} with last payment reported XX/XX/XXXX. I filed a dispute and was given the report that XXXX stated it was legitimate and then they reported I had two late payments for XX/XX/XXXX between XX/XX/XXXX, which dropped my credit score 14 points. They also reported me 120 days late. My XXXX  report states the same account and same amount, {$5400.00} with XXXX as Closed and Charged off as bad debt, Profit and Loss write-off.
Product: Credit reporting or other personal consumer reports

Formal Complaint of Violations : Under Federal Privacy and Consumer Protection Laws Parties Involved : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TransUnion, XXXX XXXX, XXXX, XXXX XXXX XXXX, and Other Third-Party Agencies Allegations : Violation of Privacy Laws ( 15 USC 6802 - GXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX failed to obtain express consent before sharing my personal financial information with third-party entities. 
These institutions did not provide an opportunity to opt out, as required under federal law. 
Unlawful Reporting of Consumer Information ( 15 USC 1681b - Fair Credit Reporting Act ) : Credit reporting agencies furnished my consumer reports without a permissible purpose as defined by FCRA. 
Derogatory information was reported on my credit file without written consent or authorization. 
Extortion and Conspiracy ( 18 USC 894 - Extortionate Credit Transactions ) : XXXX XXXX XXXX XXXX allegedly conspired with credit agencies and third-party collectors to extort payments and punish me through the use of derogatory credit reporting. 
This action constitutes extortion and has caused significant harm to my financial standing and personal well-being.

Identity Theft and Unauthorized Information Sharing ( 18 USC 1028A - Aggravated Identity Theft ) : My sensitive information was mishandled, traded, and sold for profit by these institutions and associated agencies. 
These acts were performed without my consent or lawful authority. 
Supporting Facts : The information shared with third-party entities was done without providing an opt-out mechanism or obtaining my consent. 
Derogatory information remains on my credit reports despite no permissible purpose for the initial furnishing of the data. 
My personal and financial information has been exploited for profit, with no communication or agreement on my part to authorize such use. 
Legal Violations : 15 USC 6802 : Failure to ensure privacy and consumer consent for sharing financial information. 15 USC 1681b : Furnishing consumer r
eports without permissible purpose.

18 USC 894 : Extortion through punitive credit reporting practices.

18 USC 1028A : Misuse of sensitive personal information without lawful authority.

Requested Remedies : Immediate cessation of sharing, trading, or selling my personal and financial information. 
Removal of all derogatory information from my credit reports. 
A formal investigation into the practices of XXXX XXXX XXXXXXXX, and involved third-party agencies. 
Compensation for damages incurred due to these violations, including but not limited to financial loss, emotional distress, and legal fees. 
Assurance of compliance with federal privacy and consumer protection laws moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit report is showing a hard inquiry from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX on XX/XX/2020. 

I am unaware of this entity or why they would be inquiring about my credit information.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes, in 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 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 users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Consumer Loan

I purchased a car from XXXX XXXX in XXXX, PA. I was instructed by XXXX XXXX that the car was in perfect condition and needed a few small repairs. Upon purchasing the vehicle, I went back to the dealership several times from purchasing the car. Telling them that something was wrong with the car. Each time they instructed that nothing was wrong. Upon taking the car to my local car repair they found many things wrong with the car. The car is zip tided together. The car is unable to be driven because the zip tie has now broken.. XXXX XXXX Agreed several times to make the issue right and never did. If this car would have fallen apart on the highway someone would have been killed. This is very serious..
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself.

Who is going to govern these agencies?

By 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. 

XXXX XXXX XXXX XXXX XXXX FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing XXXX  days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN XXXX DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.

XXXX XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN XXXX  DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN XXXX DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing XXXX days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

Trans Union, XXXX, and XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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 data is inaccurate.