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

Legal Department, XXXX  has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. Equifax has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. Equifax failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile. PLEASE IMMEDIATLELY PERMANENETLY DELETE THE FOLOWING ACCOUNTS AND INQUIRIES FROM MY CREDIT PROFILE UNDER THE FCRA SECTION 609, SECTION 605B, SECTION 611, AND FCDPA SECTION 809
Product: Checking or savings account

On XX/XX/XXXX, I noticed Wells Fargo had a promotion on opening up and funding a checking account. ( A screen shot of that promotion is attached. ) I opened up the account on XXXX and received several emails stating the account was opened. The promotion required a total of {$4000.00} in direct deposits to post to the account within 90 days in order to qualify for a {$400.00} bonus. Over the next 90 days, I had {$11000.00} deposited into the account via ACH from my employer. The {$4000.00} was met within the first 30 days. With the 90 days coming close, I called the bank and spoke to a representative named XXXX on XX/XX/XXXX. She confirmed that I met the requirements and was unsure why the bonus was not paid. She recommended calling back after the 90 days and request the completion of a form that addresses these issues. I called back on XXXX and spoke with XXXX, who again confirmed I met the requirements and did not understand why the bonus was not paid. He opened up the inquiry XXXX and said to call back in 10 days if I had not received the bonus. Fourteen days later, on XX/XX/XXXX, I called and spoke to a 3rd representative. This person put me on hold for a long period of time and came back with a nonsensical explanation. She said the promotion had been extended through XX/XX/XXXX and I needed to call back after that date to check on the bonus. While that is a good idea to help others meet the promotion requirements, I have never heard of a promotion not paying out existing customers for meeting the requirements. I decided to do some investigation on my own to see if there are any stories about other clients getting the blow-off. I was able to find numerous new Wells Fargo clients who got there bonuses at around the 90 day mark for accounts that were opened slightly before and some time after I opened my account. Therefore, the obvious answer is that Wells Fargo is just wanting me to stop calling for another 100 days as nobody can determine why the {$400.00} bonus is not being paid even though I met all the requirements.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. There are several accounts on all 3 credit bureaus that I didnt authorize or give anyone permission to open these accounts!!!
Product: Payday loan, title loan, or personal loan

See attached letter from the sketchy business, in the letter the business lied and falsely claimed that I can easily make additional payments by simply calling in to customer service. Well on XX/XX/2023 spent 10 minutes providing my email address, name and last 4 digits of my social security number. NO ACCOUNT COULD BE FOUND! WHY?
Product: Credit card or prepaid card

Hello, Thank you for taking the time to help resolve my issue. My most recent issue with my Citi accounts started when I was attempting to pay the merchant XXXX. The merchant payment was being held by Citi, after repeated calls and many hours spent Citi cleared my card for use. However, by now the merchants security measures had activated and I could no longer make the payment.

I then proceeded to log in to my online portal and activate virtual account numbers for my advantage gold. There was a technical issue that prevented me from completing the process without additional assistance. One more call to Citi technical support and another hour ; the kind representative helped me set up virtual account numbers on my gold card. After troubleshooting the outdated flash interface on the virtual account numbers page we opt for using the downloadable executable to my computer. Everything seems to be working well and we conclude the call.

Some hours later I launch the local desktop program in my computer, log in and generate a virtual number. Please keep in mind that throughout this ordeal I've been exclusively dealing and asking for help with my gold advantage card. Once the virtual number is generated I fill the details on the merchant site and execute the charge.

It went through! Success I think.

Fast forward to several more hours later, it occurs to me that I've only had issues with Citi in my short membership as a new customer ; I should probably check my account to make sure the charge posted ...

It did post but to the wrong credit card, [ sigh ] ... The charge was supposed to go to the gold card and not to my Platinum. I frantically launch the program in my computer again log in and check for an option to select a different credit card, but there is none. I think, " I specifically requested virtual account numbers on my gold card, there must be a mistake! '' Once more, I make a call to technical support and the representative tells me that there is nothing they can do. She mentions the outdated online flash portal has a selector for the credit card, something that is absent from the locally run computer program.

I feel like I'm just running around in circles now. I can't use the products I was offered and when I can use them properly they don't work adequately. This truly goes beyond what any bank could reasonably expect their customers to do to get something done. It makes me feel like it's intentionally difficult to cause confusion for customers.
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 XXXX XXXX XXXX  Acct # XXXX. Has 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 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: Money transfer, virtual currency, or money service

I am writing formally expressing 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 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 accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

re : dispute results. File number XXXX for this account : Account : XXXX XXXX XXXX Account # : XXXX Hello TRANSUNION XXXX, I disagree with the XXXX XXXX XXXX account listed which still appears on my credit report after your Investigation. I am requesting the immediate re-investigation of this item. The inaccuracies being reported are highly injurious to my XXXX XXXX. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, and Subsection A-D, please provide me with the complete names, contact information, and business addresses of each individual you verified the account information listed above so that I may follow up. 

Please send me an updated copy of my report after your reinvestigation. Thank you Here is the account information again ; Account : XXXX XXXX XXXX Account # : XXXX from dispute File Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX EMPLOYER : XXXX XXXX XXXX XXXX  XXXX XXXX ADDRESS : XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Public Records : XXXX  XXXX Bankruptcy XXXX Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX Collections : 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 EMPLOYER : XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX, AZ XXXX Pubblic records : XXXX  XXXX Bankruptcy XXXX inquries : XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX FXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 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 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 : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX Bankruptcy : Account Number:XXXX Account Name : XXXX XXXX Bankruptcy : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/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.
Product: Checking or savings account

I have a complaint ID XXXX XXXX. My complaint is with Key Bank. 
They responded to my complaint that the status of our dispute is closed. I still have not been refunded my money. I know that key Bank is responsible for restoring my funds. They now say that they are waiting for XXXX  XXXX XXXX to refund the money to them. They have to XX/XX/XXXX. If they do not refund the not to my bank, they plan an sending me a letter stating that my money will not be refunded.I find this unacceptable. 
My case number with key Bank is. XXXX Phone XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an address on my credit report that is incorrect. I never lived at that address. I never applyed for anything using that address. I have no idea where that address is located. How I found out about that address was thru a debt. collection company calling me, trying to collect on a XXXX XXXX XXXX bill. I have never opened or appled for cable, or any other services that XXXX XXXX provides. The address on my credit report is XXXX XXXX XXXX XXXX Ca.XXXX. Address ID. # XXXX I have never in my life lived in XXXX Ca . or recieved mail at this address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 dispute this account Information incomplete and inaccurate
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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX 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: Prepaid card

I never used this card to purchase anything so I dont know why it says I have a debt of XXXX $ from XXXX and I dont know why Im also underage so its no way because they ask for ssn but I dont know my ssn and Im a teen
Product: Debt collection

I am writing to dispute unauthorized entries on my credit report, specifically the fraudulent account with XXXX XXXX XXXXXXXX ( Account XXXX : XXXX ). While other credit bureaus have promptly addressed similar disputes, I am confused and concerned that your bureau has not complied with the law by delaying the removal of these fraudulent accounts.
Product: Credit reporting or other personal consumer reports

I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a XXXX for that because my cards will just get declined due to my credit score being low with all these wrong information.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USE MY SOCIAL SECURITY PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting

XXXX was reinserted back onto my Traunsunion Credit file. This account was previously deleted and needs to be removed immediately BecAuse the account is not mines.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) do to inadequate Customer Service And unfair practices, which violates 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 act ( EFTA ) and Regulation E. These actions have caused significant inconveniences and financial loss and I seek the appropriate readdress for the violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and had duly notified the relevant authorities. As a results, I sent this company my dispute on XX/XX/XXXX attached with all the relevant documents to verify my claims and expected them to block/ delete inaccurate Inquiries information from my credit report within 3 days as required by law but they have not. The fraudulent inquiries which I did not authorize are still showing on my credit report and have resulted to me being denied credit.

Please delete this fraudulent inquiries from my credit report : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired onXX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX
Product: Debt collection

Dear CFPB, I am writing to file a complaint against LVNV FUNDING LLC for violating the Fair Debt Collection Practices Act ( FDCPA ). 

Nature of the Complaint LVNV FUNDING LLC has contacted me regarding a debt they claim I owe. However, they have failed to comply with several key provisions of the FDCPA : Validation of Debt ( 12 CFR 1006.34 ( b ) ( 5 ) ) : I have not received any written communication from LVNV FUNDING LLC providing validation of the debt, including the amount, the creditor 's name, and my rights to dispute the debt. 

Dispute Opportunity ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : I have not been given a fair and meaningful opportunity to dispute the validity of the debt.

False or Misleading Representations ( 12 CFR 1006.34 ( d ) & 15 USC 1681-S2 ( 7 ) ( A ) ) : By placing a collection on my credit report without proper validation and dispute opportunity, LVNV FUNDING LLC is using false, misleading, and deceptive means to collect the debt.

Request for Relief I request that the CFPB investigate these violations by LVNV FUNDING LLC and take appropriate action to ensure they comply with the FDCPA. This may include : Ordering LVNV FUNDING LLC to cease all communication regarding the debt until they have provided proper validation. 

Ordering LVNV FUNDING LLC to remove the collection from my credit report if the debt is not validated. 

Ordering LVNC FUNDING LLC to pay any damages caused by their violations. 

Thank you for your time and attention to this matter. I look forward to your response. 

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

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate XXXX  unverified things on my credit report XXXX  this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all XXXX  them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX XXXX  THE XXXX XXXX breach XXXX  may have gotten into the wrong hands.
Product: Checking or savings account

Hi SoFi Support Team, I hope you're doing well! 

I'm a SoFi Bank customer and have been trying to order checks for my checking account. I've attempted this a half dozen times, but they never arrive. Support has escalated the issue twice to the resolutions department, but they mentioned there's nothing more they can do. 

Could you please help escalate this matter to the right team? It seems there might be a disconnect in the backend somewhere since I receive other mail and SoFi Debit Cards without issues. 

Thank you for your assistance! 

Best, XXXX XXXX