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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX XXXX XXXX XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Debt collection

I HAD A DEBT WITH XXXX AND IT WAS PAID, UPON PAYING XXXX I WAS NEVER ADVISE THAT THEY SENT IT OUT TO A COLLECTION AGENCY, SO PAYING XXXX AND I THOUGHT THE DEBT WAS SETTLED, I GET A MORTGAGE LENDER TO PULL MY CREDIT AND XXXX XXXX XXXX IS ON MY REPORT WITH THE SAME AMOUNT OF DEBT I PAID XXXX, I CALLED XXXX AND ASK THEM WHY THEY ARE REPORTING ON MY CREDIT AND WHY I WAS NEVER NOTIFIED BY THEM OF THE DEBT, THE TYPICAL RESPONSE IS THEY SENT OUT THE NOTICE I NEVER RECIEVED, I DIDNT HAVE A CONTRACT WITH XXXX XXXX XXXX NOR WAS I INFORMED BY NEITHER PARTIES, XXXX ARE XXXX XXXX XXXX THAT IT WAS IN THE HANDS OF THE COLLECTION AGENCY
Product: Mortgage

I have submitted paperwork several times and keep getting asked for the same things. Attached is a name affidavit, the letter for the name, hud-1, and the utility bill with correct name and address. Please let me know what else is missing the Buyer is getting impatient and this is taking forever to get an approval letter.
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 claims adequately. They informed me that recovering loss funds was impossible in that tracking these transactions with unfeasible the CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allow repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

This complaint is against Coinbase.com.

I registered with Coinbase that is regulated as a MSB by XXXX. As part of my registration I was fully verified and provided detailed KYC documents as required. I linked my XXXX XXXX account to this coinbase account. All of my transactions on this platform were buy transactions using verified source of funds from my XXXX XXXX account. Unfortunately crypto currency has a lot of scam and phishing attacks. I fell victim to one such scam/phishing attack that should have been easily prevented by Coinbase. This is the only ONE time ever I initiated a Send transaction and Coinbase system failed to check that the site I was sending was a bad site and should have been in their blacklist. It seems after many customers fell victim should have easily identified and blocked these transactions. Instead, Coinbase decided any weeks later shut down accounts of good and well KYC customers. They forced good customers like me, that they did not protect, to have to extract our balance into other digital wallets. Since I did ONE send transaction their risk and compliance engine should have detected that the receiving site was malicious. They are severely failing in basic risk and compliance verification and rather hurting their well kyc customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So I went on XXXX XXXX and got a alert saying a place ran my credit Im like what. So I looked it said XXXX national credit cards/airlines and Ive never applied for anything like for anything before. I called XXXX XXXX they said they dont deal with that and told me to call credit people to get it off of there so I called they said I have to get a letter etc from the company and I was like okay so I went back called them and said same thing again so Im getting a complete run around Im XXXX like I dont need this stuff happening
Product: Credit reporting, credit repair services, or other personal consumer reports

NEED MY PREVIOUS NAME TO BE DELETED NOW SEE LETTER OF EXPLANATION
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF FRAUD AND XX/XX/XXXX I RECEIVED AN EMAIL STATING THAT MY XXXX LOANS WERE ALL FORGIVEN AND XXXX AND WILL BE REPORTED TO ALL XXXX CREDIT BUREAUS AND PAID AND CLOSED I SENT OVER THIS DOCUMENT BUT THE CREDIT BUREAUS REFUSE TO UPDATE THIS ON MY CREDIT REPORT. THESE XXXX  LOANS ARE CURRENTLY REPORTING AS DEFERRED AND IN CAUSING MY DTI TO BE EXTREMELY HIGH. THERE ARE XXXX XXXX  LOANS ( XXXX ) THAT NEED TO BE UPDATED.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc ) due to inadequate customer services and unfair practices I tried contacting them multiple times no action was never taken which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. 

XXXX XXXX {$140.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$930.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

approximately 3 months ago I placed a {$100.00} deposit on a new car with XXXX XXXX located at XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Wisconsin XXXX. 3 Months later on Saturday the XXXX I went to see the car and finalize all the paperwork and wrap up all the necessary documents. I ended up not being able to leave with the car because I needed a co-signer or {$10000.00}. Later that evening I obtained a co signer, my brother. Next morning I heard that the car I had placed a downpayment was sold from under me to a different customer. My credit was ran approximately to twenty different banks and they are populating on my credit report. XXXX, the finance guy was extremely rude when I was asking him to figure out if a lease was a better option. He was not interested in assisting me into trying to help me or see what he could do. I will not be back at XXXX XXXX moving forward and will also be filling a complaint with the XXXX against them. This has been by far the worst experience I ever had. Was not welcomed and was not friendly at all. 10/10 would NOT recommend. 

** this is NOT the way to deal with customers and this is NOT the way to deal with people trying to purchase a car. I felt like everyone just fed me lies from the start. General Motors should seriously look into this dealership from top to bottom.
Product: Credit card or prepaid card

I have change the auto pay account twice when I change banks, they still have the old account they kept making payments from the old account, and since the account is closed there is no reason to check statements other than to make sure payments are being made of course I didnt see this till month later I am over this bank and theyre sloppy practices
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote2 letters to equifax regarding getting old addresses that I never lived at and needs to be deleted from my record as I never lived at these addresses yet they ignored my letter and i this is a time consuming process to send out letters and to get absolutely no response on my letterdated XX/XX/20 was ignored not a change its XXXX no letter saying they deleted a simple request the addresses were XXXX XXXX, XXXX  XXXX XXXX  XXXX XXXX XXXX il XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX Tennessee XXXX XXXX XXXX XXXX ilXXXX XXXX XXXX XXXX XXXX XXXX Il XXXX And acknowledge my mailing address is XXXX XXXX XXXX, ilXXXX
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 XXXX XXXX XXXX. 

Account Name : XXXXXXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.
Product: Debt collection

Collection agency Convergent Outsourcing is reporting to my credit report a collection ( XXXX ) that charged off more than 7 years ago, past the statute of limitations for credit reporting.

I have informed Convergent Outsourcing that this collection is older than 7 years and that they must delete it but they have refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX XXXX XXXX XXXX. During the course of the loan, I went through a Loan Modification program. XXXX XXXX had me under a contract to pay a significantly lower mortgage payment for 12 months and then my mortgage was refinanced. XXXX XXXX is reporting several months of late payments although I paid the contracted and agreed upon loan modified payments during this time. My payments were never late- they were modified by XXXX XXXX . I paid the AGREED upon MODIFIED payments and they should not be reported as late. I have contacted XXXX XXXX several times and they have informed me that they are showing my account in GOOD STANDING. One customer service representative told me that the late payments will not be removed because even though the loan was modified, it was not the original payment amount. Under the loan modification, I was told that I could not pay any MORE or any LESS than the agreed upon amount and had to follow strict modification guidelines. XXXX XXXX is reporting false information on my credit report. This false/inaccurate reporting is causing financial hardship and undermining my credit worthiness.
Product: Debt collection

Incident Description Upon checking my credit report and receiving multiple letters concerning auto loans and credit cards, I learned that I had been a victim of identity theft. 
XX/XX/XXXX a XXXX XXXX Credit card was opened with a credit limit of {$300.00}. Partial account number : XXXX XX/XX/XXXX a XXXX XXXX was opened with a limit of {$6000.00}. Partial account number : XXXX XX/XX/XXXX a XXXX Credit Card was opened with a credit limit of {$200.00}. Partial account number : XXXX XX/XX/XXXX XXXX XXXX financed a car. The dealer is unknown. The loan amount was {$40000.00}. The remaining balance is {$31000.00}. XX/XX/XXXX XXXX financed a car. The dealer is unknown. The loan amount was {$22000.00}. The remaining balance is {$6400.00}. XX/XX/XXXX a XXXX  XXXX Credit card {$530.00}, XXXX XXXX XXXX XX/XX/XXXX {$1000.00}, XXXX XXXX XXXX  date unknown {$9700.00}. XXXX, XXXX XXXX XXXX XXXX XXXX 2 accounts {$6000.00} and {$25000.00}, XXXX XXXX XXXX  XXXX XXXX XXXX {$2700.00}, Columbia Debt Recovery {$10000.00}, and XXXX XXXX XXXXXXXX {$350.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm missing my complete on-time payment HISTORY FOR THE LAST 6 YEARS ON THIS ACOCUNT! 


ACCOUNT XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I am writting to disputed HARD INQUIRIES ON MY CREDIT REPORT.I have indentified unauthorized inquiries on my creditd report made without consent. The responsible creditors confirmed they have evidence of my authorization.I REQUEST THEIR IMMEDIATE REMOVAL. ACCORDING THE FAIR CREDIT REPORTING TO SECTION 604 ( 15 U.S.C 168 1b ), there are specific permissible purposes for obtaining a credit report. I did not authori, theses hard inquiries and can not find any permisssible purpose under this section that justifies their presence on my report I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Details of Disputed Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  " I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX
Product: Checking or savings account

I accidentally paid my XXXX bill  from my American First Credit Union checking account instead of my usual checking account. I did not have funds in the American First Credit Union checking account to cover the amount I sent to XXXX, so I got an overdraft fee ( I am fine with the fee ), and XXXX sent the payment back to American First Credit Union. ( See document ) American First Credit Union can not accept the payment reversal from XXXX even though XXXX has sent back the money to American First Credit Union. Basically, I am not only out the overdraft fee but also the amount I paid to XXXX, the amount XXXX sent back to the American First Credit Union, XXXX.
Product: Credit card or prepaid card

Sezzle Inc refuses to acknowledge and follow its own published dispute policies. I have had 2 recent issues with merchants where they clearly violated the merchant guidelines published on Sezzles website resulting in a case that clearly qualified for a dispute. In both instances, the company completely refused to even open a dispute and investigate the now fraudulent charges. 

The first instance was a merchant named XXXX XXXX. This merchant shipped the package to the wrong address and admitted it via email, but refused a refund. Screenshots of all conversations with the merchant, including their admission were submitted to Sezzle and they refused to investigate the dispute. 

Most recently, I used Sezzle to make a {$730.00} purchase from one of their merchants XXXX, and paid for expedited delivery with an advertised delivery date of XX/XX/2021. As of XX/XX/2021 this purchase still has not been shipped by the merchant, a clear violation of the published Merchant policies on Sezzle.com, and a situation that is specifically pointed to in their customer dispute policy. Documentation and requests have been submitted to Sezzle Inc via their online portal multiple times. As of XX/XX/2021 Sezzle responded stating that they would not open an investigation. This company refuses to support customers when there is an issue and instead continues to withdraw funds from customer accounts in an effort to support fraudulent merchants.
Product: Credit reporting, credit repair services, or other personal consumer reports

My auto loan with XXXX XXXX XXXX. Account # XXXX it was 30 days late. This account was opened on XX/XX/XXXX. And the late payment was in XX/XX/XXXX. 

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 States. I have the right to privacy. a account 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

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 purpose
Product: Vehicle loan or lease

My Mother, XXXX XXXX XXXX, a Resident & Senior Citizen of XXXX on a fixed income with a Grandson currently serving in the U.S. Military/XXXX  was defrauded by XXXX XXXX XXXX   XXXX XXXX ( XXXX ) into purchasing a 10 year lease for a XX/XX/XXXX XXXX XXXX priced at {$19000.00}, monthly payment = 1/3 of her income with NO opportunity to rescind/negotiate the offer or retrieve her XX/XX/XXXX XXXX XXXX back. She has repeatedly requested assistance and new terms from XXXX. She can not afford to pay a 10 year lease - payments in excess of {$200.00} payable to Wells Fargo Bank. We need your help to correct this matter and protect the unfair business and lending practices performed by XXXX XXXX XXXX XXXX XXXX. 


During her visit on XX/XX/XXXX, XXXX Sales Rep., XXXX XXXX besieged her with false sales pitches and treatment, required her to sign 50+ unread/unviewed docs, while XXXX took possession of her Kia without her knowledge. XXXX sold her a lease that will out-live her Life Expectancy, contains unachievable payment terms, and released her with a vehicle that she can not drive or fully operate. Upon further inspection of docs, we realized she was sold a Special Dealer Lease for High-Risk Groups akin to those used in faulty banking business practices/mortgage lending practices that led to the Great Recession of XX/XX/XXXX. 


My Mother who visibly suffers from XXXX XXXX is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She SHOULD HAVE NEVER BEEN SOLD the vehicle. Recently, she was hospitalized and further diagnosed with early signs of XXXX XXXX. 


The fact is she was coerced into purchasing a vehicle without XXXX verifying proof of income or employment or assessing her ability to sign 50+ with no further explanation of docs executed. XXXX  erred in judgement and applied cunning and crafty business practices to defraud an Elderly Person. XXXX should have never sold her a vehicle and recently just applied the Kill-Switch/Starter Interrupter leaving her XXXX and without transportation to hospitals and outpatient care services provided by the State of Nevada for her care and protection. 


My Mother, who is Elderly and Infirm on a fixed social security income was sold goods/services without Federal Consumer Financial Protections or State of Nevada Consumer Affairs protections. We need your help for an immediate resolution on this matter and to right-a-wrong! Thank-you for your immediate assistance. We hope to hear from you soon. 

XXXX, ( XXXX ) XXXX Son of XXXX XXXX XXXX XXXX XXXX XXXX Mobile ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX