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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to validate fraudulent incorrect account information on my consumer report that has already been deleted from my XXXX and experian report to to the info being invalid and incorrect. This is causing me irreparable harm being denied of my natural right to obtain credit because my information was hacked in their 2020 dat breach! I have given equifax every chance to cure the errors and delete fraudulent erroneous information from my consumer report that does not reflect the same as the other bureaus! I have asked for full disclosure in the validation process and have been denied! Please help Equifax has not lived up to its passed off the deal to protect the consumer!
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and the accounts listed are stopping me from obtaining credit.
Product: Debt collection

National Credit Adjusters placed a collection account on my credit report XX/XX/XXXX. 
I called the company within days after finding this inquiry on my credit report and requested information about the collections ; was told it was from XX/XX/XXXX. I advised the rep that I was XXXX at the time and also stated this is a fraudulent account and requested it be removed-I was advised by another rep that they talked to someone other than me within my household about this debt on multiple occasions and was told that they will not remove this account. 
Upon reviewing my XXXX report a little further, I have seen multiple payday loans taken out in XX/XX/XXXX which are NOT mine and I have no knowledge of, but these have not been reported as collections. 
I have sent a request to the credit bureaus requesting investigation on removing this account from my credit report. 
I have also made a Consumer Complaint to the FTC regarding Identity Theft.
Product: Credit reporting or other personal consumer reports

I hope this notice finds you well. After careful review of my consumer report again, I still noticed that you continue to furnish false, misleading and inaccurate information on my consumer report that should not be there pursuant 15 USC 1681i and 15 USC 1681e ( b ) Accuracy of Report ; You have furnished inaccurate information which is illegal! You have violated METRO2 Compliance procedures and format for reporting! And youre reporting transactions and experiences that are to be excluded from the consumer report pursuant 15 USC 1681a ( d ) 2 ( A ) I and charge offs are considered income according to the IRS and excluded from the consumer report. You continue to violate my federally protected consumer rights so Im exercising my right to OPT-OUT of reporting these accounts on my credit file pursuant 16 CFR 313, The Gramm-Leach-Bliley Act and The Privacy Act of 1974. Im opting out pursuant 15 USC 6802, 15 USC 6803 and 15 USC 6804 ; any authorization given, written or verbal is now RESCINDED! It is effective immediately! I demand these attached accounts be deleted from my consumer credit file. And according to the documentation provided by the Secretary of State Uniform Commercial Code Certification, there is no record of any lien ( s ) from any company against me. I have supporting documentation from the Secretary of State to validate my claim. I also have proof of public legal notice, that all the liabilities been transferred to the Revocable Living Trust `` Baker Legacy Preservation Trust ''. Therefore, the inaccurate and erroneous accounts must be DELETED from my credit file. I am exercising my OPT-OUT RIGHTS and if you continue to violate my consumer rights, I will accelerate legal actions pursuant 15 US Code 1681n - Civil liability for willful noncompliance -Please See Attached
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. the CFPB 's fidnings 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: Debt collection

XXXX XXXX contacted me via XXXX XXXX XXXX XXXX , XXXX XXXX XXXX with a threat to get a judgement against me for a collection debt. Although I had no other communication previous to this, I contacted the agency to make arrangements to pay the debt. This was accepted by the XXXX XXXX via the attorney and the payment made in XX/XX/2018. To date, the company has failed to notify the credit bureaus that the account no longer has a balance. I disputed the item with the credit bureaus and XXXX XXXX continued to deny the account was paid.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$630.00} XXXX  XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$1900.00} XXXX XXXX  XXXX Balance {$590.00} XXXX XXXX Balance {$730.00} XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Reference XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$10000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I am writing to dispute the inaccurate and unlawful reporting of a collection account on my credit report. This collection account, reported by CREDENCE RM violates both the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 for the following reasons : 1. Failure to Validate the Debt Under 15 U.S.C. 1692g ( b ) of the FDCPA, if a debt is disputed, the collector must cease collection efforts until proper validation is provided. I previously requested validation, but the agency failed to comply.

2. Inaccurate or Outdated Reporting Under the FCRA, 15 U.S.C. 1681c, negative information, including collections, must not be reported beyond the legally allowed timeframe. If this account is outdated, it must be removed.

3. Unauthorized Reporting or Misrepresentation If this collection account was inaccurately reported, duplicated, or lacks verifiable proof of legitimacy, it constitutes a violation of both the FDCPA and FCRA, and must be corrected or removed immediately.

I have attached several supporting documents in my disputes letters, including correspondence and prior disputes, to support my claim. Under federal law, you are required to investigate and respond within 30 days. If this account can not be verified or has been reported unlawfully, it must be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed a letter to XXXXXXXX XXXX by mail on XX/XX/2022 in regards to two Hard Inquiries listed on Credit Reports. 

There is an unauthorized Hard Inquiry from " XXXX '' listed on Equifax Credit Report dated XX/XX/2022, and XX/XX/2022. Spoke with an Equifax representative to dispute on XX/XX/2022. 

Also, there is an unauthorized Hard Inquiry from " XXXX XXXX XXXX '' listed on XXXX Credit Report dated XX/XX/2022. Filed an online dispute on XX/XX/202XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 Wells Fargo dealer services state that I applied for a loan which I never did. There are hard inquiries on my credit reports with XXXX XXXX, XXXX and XXXX. I called Wells Fargo dealer services and they stated there were no accounts on file under my name and information and wouldn't take these hard inquiries off my credit reports.
Product: Mortgage

Wells Fargo Home Mortgage acting as a service r for Wells Fargo Financial South Carolina Inc. ( who is no longer in business as XX/XX/XXXX ) is attempting to collect a defaulted debt thru a third party Attorney Firm ( XXXX XXXX XXXX XXXX ). after many request for verification and validation thru Wells Fargo Home Mortgage and XXXX XXXX XXXX before and during the entire court proceedings the debt collector /Service r never offered any response to our request. they keep petitioning the court and was granted a summary judgement in there favor by the state court without providing any proof of the alleged debt. the debt was sold or acquired while the debt was in default based on documents obtained. the original loan / account number was assigned as many as ( 5 ) five different numbers and shows up on the credit report as XXXX different loans with different amounts by XXXX different entities XXXX taken out on the same day in XX/XX/XXXX.
Product: Student loan

EdFinancial has kept me in " prepaid status '' for at least two years. I have called and written in requesting that payments be allocated to highest interest loan, interest, then principal. I have also requested that status not be advanced. This company claims they can not accommodate either request. I should be eligible for Public Service Forgiveness however Edfinancial 's practices have now damaged my ability to participate in this program. Edfinancials service providers refused to assist me in joining an income driven or standard loan payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and notice there were fraudulent accounts that does notbelong to me and never authorized any contracts and business with these companies. Thefollowing accounts are listed below : XXXX XXXX XXXX # XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX/XXXX  XXXX  # XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX   XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX
Product: Checking or savings account

Hello, I opened a checking account with Citibank in XXXX because I received an offer for XXXX XXXX XXXX points if I met the following conditions : 1 ) spend XXXX dollars via this account in 60 days from opening 2 ) make at least one bill pay in consecutive months. 

During the 60 day window I had several chat sessions with Citi representative, which they should have on file, since these are archived, asking if I understood the requirements correctly to get the bonus. After the 60 day window, I was not awarded the bonus, so I reached out to customer service. They opened a dispute and the " Client Care '' team later told me I had not met the qualifications.

I reached out to customer service again and this time spoke with a supervisor. This supervisor and I walked through every single transaction to determine whether I had spent the XXXX from this account in the 60 day window as well as executed the bill pays. Supervisor XXXX said yes, I did. Supervisor XXXX said they would launch another dispute and not to worry, everything would get taken care of. 

After 10 days or so, I hadn't heard anything so I called back and asked to speak with a supervisor. I spoke with Supervisor XXXX. XXXX said that Supervisor XXXX never completed the dispute claim so no one was looking into it. Supervisor XXXX then reviewed every transaction in the 60 day window including the required bill pays. Supervisor XXXX confirmed, yes, I had met the requirements of the offer. Supervisor XXXX then agreed to file another dispute on my behalf including my thoughts that the company seems to actively be preventing me from receiving my bonus even while meeting the terms. 
I then received another letter from the " Client Care '' team describing the qualifications to receive the bonus and then go on to say that I hadn't met one of the requirements WITH DIFFERENT LANGUAGE THAN PRESENTED IN THE ORIGINAL QUALIFICATIONS. In their description of why I was not eligible to receive the bonus, they said I did not make 60 CONSECUTIVE DAYS of transactions which was not a TERM of the offer. 

Citibank is either extremely untalented in explaining their own TERMS of offers or engaging in dishonest behavior.
Product: Credit reporting or other personal consumer reports

I have 5-8 negative items that are negatively reporting on my consumer credit report that and is in violation of the FCRA codes 15USC 1692e & 15USC 1692g. These are the dates I sent certified letters of cease and desist/ estoppel notices without proper verifying documents with my signatures with said company that is falsely reporting on my consumer report : XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. I sent letters to each bureau XXXX, Experian, and XXXX. They only report " verified by furnisher '' but never provide proof of me legally doing business with collection company or provide me with a binding contract with my signatures. I have never done business with any of he companies reported as " Collections '' nor do I have any contractual agreement with them. Per each tracking number, I do have them as delivered and received. I also tried to delete an address off of my experian account and they refused. XXXX, XXXX, and Experian are all in violations of compliance procedures, defamation of character, willfully non-compliant, and punitive damages towards and this has caused major personal suffering. 

Once again, I asked XXXX, XXXX, and Experian to SEND me a copy of the signed contract between me and the furnisher ( s ) to prove the debt belongs to Me and they sent a response that the creditors verified the information as accurate! I need SOLID proof or it needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach I contacted all XXXX  major bureau and let them know it violated my rights and is a FCRA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted complaints with XXXX, Fed loan services and The Department of Education to have the DOFD correctly reported on my credit report for the past 2 years the accounts in question have been re-aged and should be removed. I have attached documentation from The Department of Education as XXXX has my accounts from The Department of Education as a collection account reported in XX/XX/XXXX on a reported dated XX/XX/XXXX& changed to a collection on XX/XX/XXXXon my report dated XX/XX/XXXX which is wrong and those accounts should be removed. Which is a violation of FCRA, US. Code Title 15 Sub Chapter III, US Bankruptcy Code Title 11.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please correct my TransUnion Credit and all credit reports including XXXX and XXXX  to ONLY show address listed from the two required forms of documentation I have provided. These other addresses are incorrect and belong to someone else. Please advise ASAP! Thx! XXXX
Product: Credit card or prepaid card

In XXXX, while I was travelling in XXXX, there were 7 fraudulent charges made in the US, they were disputed and removed. but the charges keep coming back the latest charges are for {$270.00}. I have asked for the account to be closed. and no further charges be allowed and that is not happening. 

charge : XXXX XXXX XXXX XXXX 
unknown charge/running charge - {$270.00} I have ben disputing and resolving and back and forth since XX/XX/XXXX. I want the account close and no charges be allowed. 


Date Description Amount Running Balance XX/XX/2023 CREDIT INTEREST CHARGES {$2.00} {$270.00} XX/XX/2023 XXXX XXXX XXXX {$130.00} {$270.00} XXXX
Product: Credit card

I noticed XXXX charges on my debit/credit card that was not made by me. I live in XXXX and noticed that XXXX charges, made on consecutive days ( XX/XX/XXXXXXXX XXXX XXXX XXXX ) and for the same amount ( {$34.00} ), had been made at a fast food restaurant. I immediately notified my bank ( Santander ) and my card was closed with a replacement to be sent in the mail. Santander initially, and rightfully, reimbursed the fraudulent amounts. 
I then received XXXX letters today ( XX/XX/2024 ) stating that an investigation had taken place and it was found by Santander that I was now liable for the charges as they had evidence that I had authorized them. I immediately called them and after being bounced around a couple of people I finally was able to get an explanation. The representative I spoke with stated that the vendor had given them evidence that someone had given them authorization to make the purchases- Santander assumed it was me. I explained that these purchases had been made in the state of XXXX XXXX  ( as shown on my account ) and that I live in XXXX  and had no connection to these charges. Santander said the investigation was closed and there was nothing they could do about it but if I could provide evidence that it wasnt me then they may reopen the file. I explained that it would be difficult to prove it wasnt me as all I had to give was that I live in another state and have no idea exactly where in the state of XXXX XXXX these purchases were made. I was met with the statement that there was nothing they could do. 

Bank reference numbers : XXXX XXXX XXXX
Product: Checking or savings account

Hello, I'm hoping you can assist me... 

I have been on the phone trying to contact Wells Fargo through the customer service line and the other phone numbers on my account application and my statements and on line. I have called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, to try and have one of the registered agents in the customer relations division. First when I call, I have to wait for over an hour because the automated prompts tells me that I do not have an account. I keep punching to try as pass through ... after over an hour, then, I speak to someone and they tell me, they too can not see that i have an account. They also said my account is closed with them after they dig deeper. I tell them, NO ACCOUNT IS EVER CLOSED. I ask them for a statement of account and all my history of accounts with the bank, and of course, they ask me a ton of questions and I get no assistance with my request. I would like some help getting the Bank to send me via email ALL my accounts, account history, every statement, deposit, withdrawals, service fee, and charges, and fees of any kind. I need a full statement-of accounts and a hard copy mailed to me at my address please : mail to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX the accounts with wells fargo are as follows : Checking Account : Everyday Checking XXXX Wells fargo Way2Save Savings Acct : XXXX I opened accounts and completed a Consumer Account Application on XX/XX/XXXX, of XXXX. 
Please have a complete copy of the history and statement of account on all accounts mailed to me as soon as possible. 
Thank you!!
Product: Credit reporting or other personal consumer reports

The negative items displayed in your files does not meet FCRA reporting requirements. I donot recognize how and why the negative items is reporting please delete immediately. I never received a written notice of debt validation letter from anyone. I donot recognize how any of these negative accounts are reporting on my credit report. I donot recognize the account numbers I donot recognize the account status I donot recognize the accounts high balances nor do I recognize the late payments anything negative reported does not meet the FCRA requirements. The dates, amounts and accounts differ on all three credit reporting agencies. And all three agencies report inaccurate personal information my name is XXXX XXXX I only have 1 name not 4. I reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, any other address on my credit report is inaccurate. I would like for you to delete the negative items immediately as well as the inaccurate names and addresses.
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 INVOLVE IN THIS PROCESS. I HAVE DISPUTED WITH 3 BUREAUS OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX I DO NOT RECOGNIZE THESE INQUIRES AND 3 BUREAUS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
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 Service Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek the appropriate redress for these violations.