23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I appreciate your attention to removing some erroneous items from my credit report, but there are still unauthorized entries that need to be addressed. I recently obtained a copy of my credit report from your bureau on XX/XX/XXXX and noticed several unauthorized hard inquiries listed. The details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX : 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 . Each company involved has been notified via certified mail that these inquiries were not authorized, and I have requested their removal. In accordance with the Fair Credit Reporting Act, I am asking that these unauthorized inquiries be removed from my credit report. Please provide me with an updated copy of my credit report once these inaccuracies have been corrected.
Product: Credit reporting, credit repair services, 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. 

XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also, XXXX XXXX XXXX and XXXX XXXX are reporting XXXX different account numbers : XXXX XXXX XXXX account # XXXX in XXXX and XXXX in XXXX and TransUnion XXXX XXXX account # XXXX in XXXX and TransUnion XXXX
Product: Debt collection

I paid a bad debt with Tice Associates in full on XX/XX/2019. As of today, XX/XX/2019 the debt is still showing as unpaid on both my XXXX credit report and my XXXX   credit report. I know the creditor has 45 days to report the payment to the credit bureaus. This is well beyond the 45 day deadline. The last time they reported anything regarding this debt was XX/XX/2019, one day before I made the payment and nothing since it was paid in full. 

I have followed up with the company twice, once in XXXX and again today. Today I was told " you're clueless and obviously have no idea what you are talking about ''. 

I was dealing directly with XXXX XXXX. 

Not only should this debt be paid in full it should also be deleted from my reports as that was the agreement I made with Tice Assocites ( XXXX XXXX ) on XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Il XXXX and XXXX XXXX XXXX XXXX Il XXXX is not and has never been my address
Product: Money transfer, virtual currency, or money service

Im 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 the claims adequately. They informed me that recovering lost funds was impossible and tracking these funds was unfeasible. The CFPB 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 consumer safety.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and request the immediate deletion and blocking of the following accounts from my credit report. This request is being made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which grant me the right to request the removal of fraudulent or unauthorized information resulting from a data breach. 
The following accounts have been compromised due to the data breach, and I respectfully request that they be blocked and deleted from my credit report : Accounts : 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I want to request the removal of any and all security freeze and fraud alerts from my credit file. I was trying to apply for an account today from XXXX and I was told that a security alert of the freeze was still on my credit file.
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. 

Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX 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 or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX  My parent has the same name as me XXXX XXXX XXXX XXXX XXXX Please ensure that all information is accurate XXXX XXXX  - Account XXXX I need to see all bank transactions that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I just want to be able to invest my money into certain companies and because PNC has issues or something with them ( XXXX XXXX XXXX  XXXX ) and they won't allow me to connect my accounts. Thank you
Product: Debt collection

I have been trying to resolve this situation with affirm for years now, I submitted FTC reports and police reports and yet Affirm is still reporting false information on my credit report which is hurting my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

IM A VICTIM OF IDENTITY THEFT.AND I'VE TRIED TO REACH OUT TO CREDITORS AND NOTIFIED THEM THAT THESE ACCOUNTS WERE OPENED UP FRAUDULENTLY. I'VE ALSO ASKED THEM TO GIVE ME A COPY OF ALL THE INSTRUMENTS USED IN OPENING UP THESE ACCOUNTS AND NOBODY HAS REACHED OUT TO ME. BELOW ARE A LIST OF THE FRAUDULENT ACCOUNTS I NEED REMOVED.

FRAUDULENT ACCOUNTS 1 ) KOHLS DEPARTMENT STORE -AMOUNT XXXX -DATE OPENED XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX -AMOUNT {$5900.00} -DATE OPENED XXXX/XXXX/XXXX 3 ) XXXX XXXX XXXX XXXX -AMOUNT {$3800.00} -DATE OPENED XX/XX/XXXX 4 ) XXXX XXXX  -AMOUNT {$460.00} -DATE OPENED XX/XX/XXXX
Product: Credit card or prepaid card

In XXXX XXXX I received an email from USAA for a {$XXXX} sign on bonus for getting a USAA preferred cash rewards credit card, I followed the link in that email, applied and got approved. Made at least 29 different qualifying transactions and paid bills on time, etc.. 9 months later, 3 or 4 phone calls and no {$XXXX} credit to account. 

Email dated XXXX/XXXX/XXXX below : XXXX, you 're pre-selected! 
Enjoy all the benefits of a USAA XXXX XXXX XXXX XXXX XXXX credit card, plus take advantage of these offers : Get a {$200.00} reward bonus when you are approved for this credit card offer and make XXXX qualifying purchases by XXXX XXXX, XXXX. 
Enjoy a 0 % introductory APR on all purchases, balance transfers and convenience checks until XXXX XXXX, XXXX. After that, your Regular APR of 12.15 % will apply to these introductory balances and any new transactions. Each balance transfer and convenience check has a transaction fee of up to 3 %. Your Regular APR will also apply to your cash advances immediately upon account opening. Your Regular APR will vary with the market based on the Prime Rate.2 Earn 1.5 % UNLIMITED cash back on every purchase. No annual rewards cap and no categories to restrict how you earn.3 No annual fee. No penalty APR. No foreign transaction fees. 

Similar promo emailed to me on XXXX/XXXX/XXXX as well ( below ) A {$100.00} statement credit when you make XXXX Qualifying Purchases by XXXX XXXX, XXXX {$0.00} introductory fee for each balance transferred by XXXX XXXX, XXXX. Each balance transfer and convenience check that posts after this date will receive the regular balance transfer or cash advance fee of just 3 % or {$200.00}, whichever is less. 

0 % introductory APR until XXXX XXXX, XXXX on all purchases, balance transfers and convenience checks. After that, your Regular APR of 8.90 % will apply to these introductory balances and any new transactions. Each balance transfer and convenience check has a transaction fee of up to 3 %. Your Regular APR will also apply to your cash advances immediately upon account opening. Your Regular APR will vary with the market based on the Prime Rate.2
Product: Money transfer, virtual currency, or money service

I am filling this 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 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 these violations.
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. 

XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 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. Section States : No consumer reporting agency my make any consumer report containing any of the following items of information, Any other adverse items information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report agency the person knows or has reasonable cause to believe the the information is inaccurate.
Product: Credit reporting

I wrote this letter to complain about Trans Union for not following the Fair Credit Reporting Act guidelines. 
As I was browsing through my Trans Union credit report, I discovered that a credit collection agency by the name of XXXX XXXX XXXX reported me to Trans Union. The same debt is also reported by another credit collection agency known as XXXX. Trans Union never questions as to why the XXXX collection agencies reported me for XXXX debt that I had with XXXX XXXX Electric and Gas, or XXXX XXXX XXXX NJ. With that, I believe that Trans Union fails to follow the proper guidelines pertaining to the Fair Credit Reporting Act. Then recently, the same debt was reported to Trans Union by another credit collection under the name of XXXX XXXX XXXX. 
All XXXX agencies are now on my credit report with the same XXXX debt. I am asking that Trans Union does what it has to do to rectify the situation.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX sold my mortgage to NewRez. 

The mortgage had a XXXX XXXX paid to XXXX by the seller of {$6600.00} for 24 months. 
12 month buydown of 2 %, then 12 month buy down of 1 % First mortgage payment was due XX/XX/XXXX and included {$360.00} of the buydown amount. 
The next XXXX payments due XX/XX/XXXX - XX/XX/XXXX also included the {$360.00} buy down. 

XX/XX/XXXX the buydown switched to {$180.00}. 
Only the next XXXX payments - XXXX/XXXX/XXXX included the {$180.00} buydown. 

Payment due online XX/XX/XXXX DOES NOT REFLECT the LAST MONTH of the buydown. 
The paper statement sent to me on XX/XX/XXXX does reflect the buydown... but NO ONE will help me correct the error. They also " they system '' reflects the end of the buydown and that the paper statement is wrong. But the math does not add up to the contract I have from the mortgager.
Product: Checking or savings account

There was multiple loans and accounts made in my name from XXXX in Wells Fargo . I decided to stop using the bank because of that. They made loans and accounts I did not sign up for.
Product: Money transfer, virtual currency, or money service

I made a payment on XXXX in a foreign currency ( GBP ) using paypal. When selecting to pay with PayPal, I was given the option to pay with XXXX or USD. Paypal disclosed the conversion rate for paying with USD, including the 4.5 % conversion fee. To avoid the fee, I selected to pay with XXXX, where there is no mention of PayPal charging an additional fee. After completing the payment, the receipt shows that i was charged using USD with the 4.5 % conversion rate, even though I specically declined using the conversion on XXXX. 

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

When I sent a copy of the FTC report, it took some time for it to be clarified that the credit bureaus are not obstructing records. I'm sending my complaint in order to help with organizing a legal response because regulation 605b of the FCRA mandates it. If you choose not to prevent the following items, which are listed below and are responding falsely as a result of fraud. What needs to be deleted from my file is listed below : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, KY XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7500.00} ; XXXX  XXXX Balance : {$3000.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT # XXXX OFFICE OF THE ATTORNEY GENERAL. THIS ACCOUNT IS INACCURATE. THIS ORGANIZATION HAS INFRINGED UPON MY RIGHT TO PRIVACY WITHOUT A PERMISSIBLE PURPOSE TO FURNISH A CONSUMER REPORT BECAUSE, I DID NOT GIVE MY WRITTEN INSTRUCTION TO FURNISH A CONSUMER REPORT PER 15 USC 1681b ( a ) ( 2 ). THIS IS IDENTITY THEFT PER 15 USC 1681c-2 ( a ) AND A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

THIS ORGANIZATION UNLAWFULLY REPORTED BALANCES, LATE PAYMENTS, AND/OR ALLEGED LOAN AMOUNTS ON MY CONSUMER REPORT SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN MYSELF AND THIS ORGANIZATION THAT ARE REQUIRED TO BE EXCLUDED FROM MY CONSUMER REPORT PER 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). THIS IS FRAUD AND IDENTITY THEFT PER 15 USC 1681a ( q ) ( 3 ) AND A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

I HAVE A RIGHT TO PRIVACY PER 15 USC 1681 ( a ) ( 4 ) AND MY PRIVACY HAS BEEN BREACHED BY THIS ORGANIZATION.
Product: Credit card or prepaid card

The card I received never worked since day one. I have spent several hours on the phone with the services team with the number on the back of the card ( XXXX XXXX ) I attempted to withdraw money from a local US Bank in person from a teller. When they ran the card it came back on the machine as fraud. I called the number on the back of the card and the service rep said they would remove that and that there is no problem. I have made a total of 12 calls and gone into the bank 9 separate times to have them to run the card. Still comes back fraud. 

I have jumped through all the hoops they requested of me, including uploading a picture of my face and sending a picture of my passport, ID ) and at this point I'm suspicious of them for fraudulent holding of money. I am still not able to get my money and they claim my ID I uploaded is " cut off '' But I used their system and called a rep right after I uploaded and he confirmed the ID was received and it would take 2 days for the hold on my card to be lifted. 

I am suspecting the company that handles ReliaCard services and fraud-management team as a fraudulent and corrupt vendor for US-Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company charged me an high interests and i know its wrong this account was deleted and somehow reinserted back on my credit report. The statue of limitations of this loan is 6 years to collect in georgia accordinally to the Fair Debt Collections Practice Act. It was opened around XXXX/XXXX/2010 it has a balanced of {$4700.00}. I 'm aware of the breach that happened to XXXX and the other credit burears as well, I would like to have this problem solved in a timely manner bc im going on with my federal tort claim suit i didnt consent to alot of things
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist.. ( please remove these accounts before I seek litigation for defamation of character XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX I entered a settlement agreement with Navy Federal Credit Union to settle and a credit card debt that I owed in the mount of XXXX to settle a charged off credit card account. I recently applied to have a checking account opened with them and was denied due to a loss of roughly XXXX that Navy Federal took due to the settlement that they agreed upon. It was explained that I could pay the XXXX even though the account has paid and settled upon which is reflected in my credit reports. I am currently blocked from all products and services due to the XXXX loss, which was not explained to me at the time. I asked for my blockage to be sent to me in writing or if their by-laws state that this is correct and they could not because they have no literature that states that you will be blocked from future products and services if you settle an account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

US Bank had the wrong phone contact and never sent me anything notifying me of a late payment. The first notification was from a paid credit protection service notifying me of two thirty day late payments. My credit score was XXXX prior to this event and has been severely impacted. This was not due to may ability or willingness to pay but rather due to poor customer communication. 
I have made numerous attempts to contact them and submit documentation but the means of contact via fax number they provided have been unsuccessful. 
I am also not receiving mailed documents from the bank that I requested. 
The initial issue stems from a documented theft involving my personal financial information. I had to deal with closing and re-opening several accounts. 
Also : I did receive a mailed document from US bank that may shed light on part of the problem. They are mailing documents that have shifting contents and the address does not show in she clear " address window '' if the envelope. 
Additionally, I have made numerous attempts to fax on multiple occasions and the fax line is busy and transmission does not go through. 
I have been assessed two 30 day late payments do to the banks unwillingness to provide clear communication to me as a customer. Had I been properly notified this would not have happened.
Product: Vehicle loan or lease

I have made several attempts to lower my payments for my auto loan through my financier, Santander Consumer USA. I have been unemployed for nearly 8 months due to COVID and have made them well aware of this. They repeatedly denied these requests. At the time of financing, this company was well aware that I would more than likely default. With no more options, I have formally surrendered the vehicle and the repossession company is coming to collect it tomorrow. I am anticipating that the company will file suit to collect the deficiency balance from me. I have read about the 33 state settlement that took place last year in 2020 and would like to know if I qualify to be forgiven for this deficiency. They are a predatory lender and are ruining peoples financial well being.