23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

We logged into wellsfargo.com from our desktop. When we did, it required us to submit an " attestation '' verifying our identity. Since this was on the Wells Fargo website, we did it, and the website then said " we are sending you a verification code. '' The same number that usually sends us verification codes for Wells Fargo sent us a code without any suggestion that it was for a wire transfer. However, we then received a text saying Wells Fargo was transferring {$25000.00} to someone named " XXXX XXXX. '' The website then changed to say it was down for routine maintenance, but the message referred to " The XXXX  XXXX XXXX. '' We immediately called Wells Fargo 's fraud department to report the case. They said the money was transferred to an account number XXXX, but would not give us routing number and did not confirm what bank was involved. We did not authorize this transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in Identity theft letters, reporting this and its been well over 30days. I need these items removed immediately it is not fair to me that these items are hindering me from obtaining credit. According to the FCRA 15 U.S. Code 1681 ( a ) ( 1 ) accuracy & fairness. FCRA 15 USC 1681 eb for reporting information that is not 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to reach out to XXXX XXXX XXXX several times requesting them to provide me with an interest disclosure and a break down of how the interest is being accumulated on my credit report after several requests they refuse to disclose this information so I am under the suspicion that they may be charging more interest than legally allowed based on the contract they purchased from XXXX. 

I have requested this information XX/XX/2021, XX/XX/2021, and XXXX XXXX. 

The balances reported on my credit report are also reporting inaccurately which I have contested several times without response. I have seen a change in balance since I settled with XXXX XXXX XXXX in court however the balance reflected is still reporting inaccurately whenever I contact this company by phone the representatives hang up on my immediately when I ask for a detailed billing history.
Product: Payday loan, title loan, personal loan, or advance loan

I signed my loan contract with the understanding that it will be at 13.99 % with the original company XXXX. I was then sent communications that XXXX is going out of business and that SST is taking over the debt. And that I would be paying SST directly. When I checked my online portal I saw that my interest rate went from 13.99 % to 23.49 %. This is fraud. How can they just raise my rate just because they bought the debt from a now-defunct company ( XXXX ). I need them to honor the original contract. 

XXXX was supposed to be a lower interest rate than my credit cards to help pay them off quicker. By SST raising the interest rate that is no longer the case. I am now more in debt due to the interest rate change. 

Fyi, I no longer have access to my files/documents since XXXX no longer exists.
Product: Credit reporting or other personal consumer reports

Since XXXX, the Department of Education ( " DEPT of ED '' ) has been reporting my personal information to Equifax, XXXX, and XXXX in violation of 15 USC 6802, FERPA, UDAAP, and the 1974 Privacy Act. Since learning about these violations of my federally protected rights, I have made numerous complaints to Equifax, XXXX, and XXXX, as well as, to the different servicers of my federal loans such as XXXX XXXX, XXXX, and XXXX. To date, the DEPT of ED, XXXX, XXXX, XXXX XXXX, XXXX, Equifax, and XXXX STILL CONTINUE TO REPORT MY PERSONAL INFORMATION IN VIOLATION OF MY FEDERALLY PROTECTED RIGHTS.

DEPT of ED FAILED to provide me with any of the disclosures that allow for me to opt-out of any/all reporting of my personal information nor were they supposed to disclose my information without my permission per FERPA and the 1974 Privacy Act.

DEPT of ED, XXXX, XXXX, XXXX XXXX, XXXX, Equifax, and XXXX continue to willfully, negligently, and recklessly report my personal information, and transaction experiences on my consumer credit report AND credit file. 
DEPT of ED, XXXX, XXXX, XXXX XXXX, XXXX, Equifax, and XXXX failed to act to protect my personal information as required by 15 USC 6802, FERPA, UDAAP, and the 1974 Privacy Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # 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
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX # XXXX XXXX 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, credit repair services, or other personal consumer reports

We have been trying to resolve this issue since 2021. I have sent out Verification letters to XXXX XXXX and all the credit bureaus. I have sent a demand letter for removal. No responses. Please remove this Negative item of {$1500.00} from XXXX XXXX. They are furnishing inaccurate and incorrect information to my credit report.
Product: Debt collection

Comenity Bank with XXXX XXXX has called me repeatedly, everyday. They have used about 15 different phone numbers, if not more. They start the calls at XXXX and continue them throughout the day. They leave voicemails on my phone insinuating that legal action will be taken. They have even mentioned me having an attorney. It is extremely stressful. For awhile I did think they were scammers. I have multiple phone numbers that I can share and voicemails.
Product: Credit card or prepaid card

On XX/XX/17, I used my Santander debit card at the XXXX XXXX for {$100.00} to purchase a shower head and received the following text, Free text : Santander Fraud. Did you use your card ending XXXX for {$100.00} at XXXX XXXX XXXX XXXX on XX/XX/2017? If YES, reply 1, NO reply 2. 

I replied 1 and then receive the follow up text, Free text : Thank you, we received your response. The transaction was declined. If you want to make the purchase, have the merchant reprocess the transaction. 

I returned to the merchant, showed them the text and the merchant re-processsed the transaction. When I received my monthly statement, {$100.00} was charged twice. 

I spoke to the vendor and explained the situation and she said she would not contest the claim if Santander re-issued the chargeback but Santander sent a a letter to me stating the claim was denied.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a high credit amount of {$55.00}, this is a deposit account and not a credit line extension. The balance of the {$55.00} was an overdraft of the account. XXXX XXXX XXXX was also included in a XXXX  XXXX bankruptcy filing and should be reporting any debts nor high credit limits on my consumer profile, and this account has also reached the statue of limitation to report negative items in which it was established in XXXX and included in a bankruptcy in XXXX. There are no legal grounds to update an account once it's included in a bankruptcy. Therefore, memberfirst credit union is violating my federal consumer rights by continuing to report past the statue of limitation and also by continuing to report negatively after being included in a bankruptcy. Adding notes to the account doesn't take away the negative status. This is a serious violation and XXXX, Transunion, and XXXX are co-conspirer in the negative reporting and not updating my consumer report in accordance to the federal consumer laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete hard inquiries off my account.
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 lost funds were impossible and that tracking these transactions was not feasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but, has also allowed repeat offenders to exploit the systems, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Due to Equifax data breach I have multiple fraudulent items in my consumer report, I have asked company to send me a purchase agreement, purchase assignment and signatures from me with XXXX XXXXXXXX XXXX XXXX proving I have done business with this company. I do not owe this company money nor do I know who this company is or have never done business with this company. They have failed to proved actual proof tiring me to this debt and A BILL IS NOT PROOF. According to 15 USC code 1681c-2 ( Section 605B of the FCRA ) unverified, an inaccurate information must be promptly deleted from consumer report. This is the fifth time I am disputing the same information the fact that XXXX XXXX XXXX XXXX XXXX XXXX, nor any of the three credit reporting agencies, XXXX, Equifax, or XXXX has provided any proof further demonstrates, the information is unverified and inaccurate. I have not given permission for this to be on my consumer report so this violates section 605B, which is illegal. XXXX assist letter has been sent to this company and they still continue to send a bills. furthermore this company isnt even licensed to collect, Which is also a violation!
Product: Credit reporting, credit repair services, or other personal consumer reports

I pay for credit report access from Experian. They reported my score as  XXXX . I requested a loan and they reported an experian score of  XXXX . My bank offers free  credit score inf ormation. It said my  XXXX   XXXX  score was  XXXX ,  XXXX   XXXX . Why the significant variations in my score? Why are the scores I paid for inflated or the scores reported to lenders undervalued? I feel like its intentional to offer me terms that would cost me more.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fracas the term investigation consumer reports mean a consumer report or portion there for in which information on a consumers character general reputation personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with other with whom he is acquainted or who my have knowledge concerning any such item of information. The stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate showing the inaccuracies. These accounts are XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.
Product: Checking or savings account

Bank of America accepted two years old check which was also a duplicate transaction. Money was deducted from my account two times for this check, first time on XX/XX/XXXX and again on XX/XX/XXXX. 
This is how it happened, I got activity alert for my account. I verified my account and found a check was deposited so I contacted bank on XX/XX/XXXX. Their Customer Support Representative gave me check number and the date that was written on it. I started verifying my bank statements for that date and found what happened. This transaction initially shown as " processing check '' in my account but they removed this entry on same day. They credited amount now and it is showing as " Credit adjustment request honored ''. 
I wanted to complain the following : 1. They are not supposed to accept more than 6 months old check but they did. 
2. Check should be verified before accepting it, seems it was not happened.
Product: Debt collection

XXXX, XXXX. 
The aforementioned credit collection agency representing whomever your Client is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : Experian, XXXX  and XXXX. 
The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.
Product: Credit reporting or other personal consumer reports

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent You replied that the alleged transaction you furnished as late was { accurate/ verified } choose the response they used } ] but my previous dispute did not ask you for accuracy or validation. 
you furnished to { XXXX, XXXX, and XXXX } } an alleged transaction as Late.

15 U.S. Code 1666b - Timing of payments ( a ) TIME TO MAKE PAYMENTS Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date.

I requested the information that must have or possess by law in order for you to furnish a payment as late.

This is being request pursuant rule 1002. 
In other words, to properly report information as verified, the furnisher must have sufficient evidence to support the conclusion that the information was true, and in doing this the conditions required by 15 USC 1666b must be met. 
You failed to provide the required requested information, you failed to proceed in accordance with the requires for a creditor to treat a payment as late. 
It has been over 30 days and you have not properly verify the information. 

Id. at 1303 ; see also Blacks Law Dictionary ( 11th ed. 2019 ) ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ). 
Importantly, a furnishers inability to conclusively determine that the disputed information is inaccurate does not mean that the furnisher is permitted to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Instead, if the evidence available to the furnisher is insufficient to establish the truth or falsity of the disputed information, then, under the statutory framework, the furnisher must report that its investigation concluded that the disputed information can not be verified.

Hinkle, 827 F.3d at 1304. So, for example, if a furnisher is unable to verify that a consumer missed a payment, then it may be appropriate for the furnisher to delete any mentions of the missed payment while continuing to report other information about the account. 
Delete the information you are furnishing to the Consumer Reporting Agencies as late from account. 

XXXX XXXX _________________________________ Without Recourse UCC 1-308
Product: Credit reporting or other personal consumer reports

Notice that a credit card from XXXX XXXX XXXX XXXX on my report that i did not authorize to use and not acquired. I have contacted the creditor which they did their investigation and the result that this XXXX credit card ending in XXXX is a result of fraud. I have attached the document to this complaint along with my ID.
Product: Debt collection

I purchased an XXXX  computer from XXXX XXXX affirm. On the day of delivery I received an email stating that the package was delivered, I knew not to be true cause I was sitting on my porch waiting for the product. Once I realized my package was delivered elsewhere, I immediately contact Affrim who told me it would be resolved in 2 weeks due to an investigation. After 2 weeks I was told by Affirm there is nothing they can do and it will be reported on my credit if I didn't pay. After countless phone calls, a derogatory impaction was submitted to my credit score by the debt collector XXXX XXXX, who told me that they have no control over the debt but to do what Affrim tells them to do. This whole process has been a year-long process of false and unfair credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$16000.00}
Product: Debt collection

Item Loss of income XXXX % Penality of XXXX withdrawal {$700.00} XXXX % loss of future investment {$560.00} Labor and costs involved in letters and telephone calls {$100.00} Total requesting {$1300.00}
Product: Debt collection

I received a collection letter from XXXX in reference to paypal account from Synchrony bank paypal that went delinquent. I do have credit accounts with synchrony bank but they are all in good standing. I checked my credit report with XXXX, XXXX, XXXX. 

I don't have a synchrony paypal credit card. Synchrony bank would have been reporting to the bureaus. XXXX XXXX acquired statements from the alleged paypal account with my name and 2 different mailing address, from the years XXXX, XXXX. 

If I would have opened paypal account with synchrony. I would not allow it to go delinquent. I would like this investigated because the last 4 digits in the account number end in XXXX. 

In the validation letter that I received there are 2 different mailing addresses and account number ending in XXXX.
Product: Credit card or prepaid card

Discover financial services {$750.00} Opened XX/XX/XXXX Closed XX/XX/XXXX Discover financial services XXXX XXXX XXXX XXXX de XXXX XXXX XXXX XXXX Im noticing this is still on my credit report when i reported to them i never even recieved a credit card from them. Someone had stolen my information. Thia debt is not mine.
Product: Money transfer, virtual currency, or money service

Re : Coinbase Pro : Today is XX/XX/2021. 

One XX/XX/XXXX, I was locked out of my Coinbase Pro and Coinbase accounts which was holding XXXX ETH coins equivalent to {$95000.00}. The reason stated for being locked out was potential suspicious activating. I followed all recommended steps posted on Coinbase 's website to regain access. All attempts failed. Coinbase does not have a technical support call number or the availability to chat with a service member. 

From XX/XX/XXXX to XX/XX/2021, I have sent approximately 15 emails regarding my Coinbase case number. : To date, I have received no response from Coinbase or Coinbase Pro that provided any measures to gain access to my account and funds. 

I need Coinbase to contact me and confirm my funds are secure and that my account has been re-activated.
Product: Credit reporting, credit repair services, or other personal consumer reports

U.S.C. 1681b section 2 - XXXX XXXXXXXX Bankruptcy # XXXX, XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, has violated my rights -15 U.S.C. 1681 section 602A States i have the right to privacy. 15 U.S.C. section 604A section 2. it 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 giving 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
Product: Vehicle loan or lease

when i when on line pymt was XXXX, i have a 10 daY GRACE PERIOD WHICH I WAS IN. THEN 2 DAYS LATER IN MAIL THEY CHG late pymt, also i informed them and gave their XXXX XXXX XXXX car was total, also title was mail in as they are XXXXXXXX XXXX, none of this was done as to date.
Product: Mortgage

VIOLATION OF 12 USC 2605 SEC E WHILE DOING MY 2015 TAXES I NOTICED THAT CHAMPION MORTGAGE WAS CHARGING INTEREST AT MONTHLY RATE AND S/B ANNUAL RATE. I WROTE LETTER AFTER MANY PHONE CALLS WITH NO RESULTS. CHAMPION ACKNOWLEDGED ERROR AND SAID THEY WOULD FIX. TO DATE PROBLEM STILL IS NOT FIXED AND THEY WILL NOT ANSWER MY PHONE CALLS. TO DATE I BELIEVE THEY HAVE CHARGED OVER {$3000.00} IN EXCESS INTEREST, AND MIP. SEE ATTACHED FOR DATES AND OTHER INFO
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT by FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
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

They are reporting fraudulent addresses in my credit profile. XXXX XXXX XXXX XXXX, XXXX XXXX are not my addresses. Please remove from all three bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently contacted equifax regarding a charge off account name ( XXXX XXXX XXXX XXXX ) to remove this account as it is over XXXX  years old they have refused attachment are reports of XXXX XXXX XXXX that have already removed due to being over XXXX  years they have violated my rights by reporting false inaccurate information that has damaged my credit report and still is attached are images of XXXX XXXX XXXX removal dates please fix by removing said account XXXX XXXX XXXX XXXX from my equifax report
Product: Credit reporting, credit repair services, or other personal consumer reports

The number of times missed which is being submitted on my credit report appears inaccurate and or misleading.