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

XXXX XXXX Report # XXXX for XX/XX/24 Experian Credit Report Pursuant to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian is consumer reporting agencies and I am the Consumer with the right to make sure my private information is not shared. This is supported by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' U.S. DEPARTMENT OF EDUCATION Partial acct XXXX XXXX.. is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX XXXX  Partial Acct # XXXX the financial institution and the Consumer reporting agency Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Experian, U.S. DEPARTMENT OF EDUCATION, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' U.S. DEPARTMENT OF EDUCATION, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Never informed me of my right to exercise my nondisclosure option. Furthermore, 15USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian is not maintaining reasonable procedures. Additionally, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services.
Product: Vehicle loan or lease

I had an outstanding late fees on my account. I went ahead and paid the amount listed on my account on XX/XX/XXXX. A check two days later and this payment was still been reflected on my account. I reached out to Santander customer care on XX/XX/XXXX and spoke to them about this. The informed me that the amount paid was applied to my next payment and that I had to request for the payment to be applied to the amount listed on the account which is the late fee. Please note that no other charge is listed on the account. I then requested for the amount paid to be applied to the late payment charges and I was informed that my account would be updated in XXXX. I checked on the account the next XXXX and the fees were still showing. I again contacted customer care who informed that the amount paid will be reflected on my account on between XXXX XXXX. It is now XX/XX/XXXX and the charges are still on my account and my credit report is still showing that I am behind on my car payments. I contacted customer care this morning and I am still getting the run-a-round regarding the payment been applied to the account. This late payment is affecting my credit score and also interest will be charged on the outstanding amount.
Product: Credit reporting

Company responded Experian Credit Reporting Agency said : Explanation of closure Thank you for submitting your complaint on XXXX XXXX, 2016, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. 

We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. In your complaint, you indicate that Experian is reporting inaccurate credit information on your personal credit report. You would like your names and incorrect addresses corrected. 

Upon further research and reinvestigation we were in the process of removing/updating variations of the disputed address. Upon completion, an updated copy of the credit report will be provided to you for review and confirmation. 

Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian. 


I HAVE RECENTLY RECEIVED MY NEW EXPERIAN CREDIT REPORT VIA THE US MAIL, AND I WOULD LIKE TO KNOW WHY THE INVALIDATED, INACCURATE, DISPUTED INFORMATION IS STILL BEING ILLEGALLY DISPLAYED ON MY EXPERIAN CREDIT REPORT? PER EXPERIAN 'S RESPONSE, VIA THE CFPB PORTAL, WHICH IS LISTED ABOVE FOR YOUR REVIEW, EXPERIAN CLEARLY STATES THAT THE DISPUTED NAME, AND INACCURATE ADDRESS IS IN THE PROCESS OF BEING DELETED! SO I WOULD LIKE TO ASK EXPERAIN WHY IS IT STILL BEING ILLEGALLY DISPLAYED ON MY CREDIT REPORT? AS I AM SURE THAT EXPERAIN IS IN FACT NO DOUBT AWARE THAT RE-INSERTING PREVIOUSLY DELETED INACCURATE INFORMATION BACK ON TO A CONSUMER CREDIT REPORT IS KNOWINGLY AND DIRECTLY VIOLATING THE FAIR CREDIT REPORTING ACT LAWS! FAILURE TO REMOVE THE RE-INSERTED INACCURATE PERSONAL INFORMATION COULD RESULT IN {$1000.00} DOLLAR FINE PER UN-DELETED ITEM! 

I AM NOW DEMANDING THAT EXPERIAN ADHERE TO THE LAW AND COMPLETELY REMOVE THE INVALIDATED, INACCURATE, DISPUTED PERSONAL INFORMATION THAT WAS RE-INSERTED BACK ON TO MY PERSONAL CREDIT REPORT AS SOON AS POSSIBLE. 

THE FOLLOWING INACCURATE INFORMATION SHOULD NOT BE BEING DISPLAYED ON MY EXPERAIN CREDIT REPORT : ILLEGALLY ADDRESS BEING DISPLAYED ON MY PERSONAL CREDIT REPORT : XXXX CO XXXX ADDRESS IDENTIFICATION NUMBER : XXXX ILLEGAL NAME CURRENTLY BEING ILLEGALLY DISPLAYED ON MY PERSONAL CREDIT REPORT : XXXX XXXX NAME IDENTIFICATION NUMBER : XXXX AS I HAVE NEVER USED THE INACCURATE PERSONAL INFORMATION CURRENTLY BEING LISTED ON MY EXPERAIN CREDIT REPORT, I WOULD LIKE TO KNOW WHY EXPERAIN IS CONTINUING TO KNOWINGLY VIOLATE THE FAIR CREDIT REPORTING ACT LAWS BY CONTINUING TO REPORT THIS RE-INSERTED INFORMATION?
Product: Checking or savings account

USAA Bank I received a text XX/XX/XXXX that my ex-husband had been added to my profile at USAA. When I called, the first agent told me there were 4 accounts under my soc sec that I was listed as trustee but she was unable to give me any info on the accounts ( I have three daughters ). The third agent that day with the fraud department started to give me the account info, then stopped because it was noted that he wasn't allowed to share info with me. Within 10 minutes, he claimed that suddenly my accounts " disappeared '' and that I no longer had accounts with USAA. 
Since, I have tried to get through multiple times - every other time, the agent says I have/had accounts and they aren't allowed to give me info because of their dedication to customer privacy. OR, they tell me accounts never existed. At one point, a woman walked me through the security questions so that she could give me XX/XX/XXXX ( and XX/XX/XXXX ) tax  paperwork ( I am responsible for the 4 of our filings ). Then, could not proceed without my ex verbally verifying himself as well, per notation on accounts that he was required to issue permissions.
Product: Debt collection

My daughter was XXXX from XXXX XXXX but it was n't working for her. They blocked her from furthering the program because I was not financially able to make the asked payments. I told them about my circumstance more then once. They wanted to work with me on smaller payments but I just could n't afford it. My daughter couldnt use the system to study anymore so, I do n't agree to making any further payments to account she no longer was able and blocked from using. It is not fair for them tell me she would be able to excess her progress after payments. But still charge me for something she was no longer able to use.
Product: Debt collection

I had an auto loan with Santander Consumer USA. I was a few weeks behind in my payment. I was never notified, or given an opportunity to pay anything at all. One morning while driving to work a tow truck driver hired by Santander rammed the side of my car and pushed me off the road. The driver literally hit me while I was driving. I had a coworker I had just picked up with me. She was very frightened for her safety. We were both scared, and emotional. Fortunately my coworker was able to record some of the assault with her camera phone. The driver would not identify himself, only saying, Im collecting for Santander. We were left on the side of the road. No contact info for Santander was given. I can not believe XXXX XXXX would participate in such brutish actions. I will be seeking legal action. Right now I want a record of the incident public, and I want the illegal debt removed from all three of my credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Greetings, I presented a police report to all 3 credit bureaus in XXXX stating that I was a victim of identity theft. Looking over my credit reports in that year I noticed so many errors and inaccuracies on my reports that it astonished me. I contacted all 3 bureaus and the debt collection companies directly to dispute all inaccuracies. Many of the companies stated that they did not have me in their systems and to dispute the debt with the credit bureaus. I did dispute the accounts and they still appear on my credit report and are inaccurate and some are not my debt. I have inquiries I never authorized as well as names that are not mine. Addresses I have never lived. XXXX in fact notified me of a data security breach in XXXX and that my identity had been compromised as well. I have disputed on all 3 credit reports personal information that is not my identity. XXXX responded in XXXX of XXXX to my dispute and sent back the dispute with the same information that I disputed which had me pretty upset that they would not honor a police report my identification as well an affidavit of facts. I did security freezes with XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX. XXXX has reported and XXXX has reported inaccurate debt in large amounts of various accounts. owing {$30000.00}, {$7000.00}, {$1400.00}, {$1800.00} and {$9300.00} KHEAA I do not even know who this company is. XXXX and KHEAA indicated they have no record of me in their system and could not tell me anything. XXXX has an inaccurate amount of debt on the credit reports. XXXX XXXX XXXX XXXX XXXX has expired. They indicated to dispute the account. XXXX XXXX is a collection agency I never heard of. I never opened up a XXXX XXXX XXXX  account and do not have nor had a credit card of such in my possession. I will be sending out letters to all bureaus and agencies to resolve these matters. My financial peace of mind has been broken and i will not rest until I get to the bottom of why nothing is being done to resolve these matters. If you need any further documents please let me know. 

Thank you,
Product: Payday loan, title loan, or personal loan

My bank shows that a payment of {$96.00} cleared on XX/XX/2022, but Affirm says it didn't and provides absolutely no way to contact them. The message from Affirm instructed me to reply to the message ( " If you need help, reply to this email, '' ), but it was configured to reply to XXXX XXXX XXXX and accordingly immediately replied to my message saying, " Thanks for getting in touch. We're not monitoring this inbox [ .... ] '' I tried manually replying to the address the message was sent from but have not yet received any acknowledgement or response. When I tried to find a way to contact them on their website, it gives me menus that result only in circular references to the same FAQs and menus. When I tried to use their chat agent, it went through some prompts with the same subjects as the FAQs, then said they'd need to get an agent and requested that I log in, and asked me to enter what I was contacting them about, and soon said no one was available and again referred me to the same circular FAQs and menus. Affirm 's website seems to show the payment did post, but they sent the email nonetheless, so I don't know.
Product: Credit card or prepaid card

US Bank and Elan Financial Services have created a website that does not work, and they also have a phone system that transfers victims ( customers ) through countless departments, on-hold time wasters, and people who can not do everything needed ... resulting in more transfers. It's like, seriously, does US Bank or Elan Financial Services PAY people to create the most burdensome XXXX XXXX customer service procedure so victims just give up and throw away their joke reward debit card? Unbelievable a bank in the USA would treat victims this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Debt collection

I have sent several written letters to Hunter Warfield requesting that they validate or remove the debt on each of my credit reports. I haven't received any communications from this company to validate any debts. They continue to erroneously report increases to the balance which negatively impacts my credit score.  Please help as I am getting no where with this company.
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 findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serous concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Notice of Arbitration and Case Dismissal Request XXXX XXXX, 2025 To : [ XXXX XXXX XXXX Attorney 's Name ] From : XXXX XXXX Subject : Lawsuit Concerning Alleged Debt Request for Immediate Dismissal Dear Legal Department, I am writing regarding the lawsuit your firm has initiated against me, XXXX XXXX, on behalf of XXXX XXXX XXXX. This letter serves as a formal notice that the debt in question originates from a credit agreement with CitiBank, which included a binding arbitration clause. Per the terms of that agreement, any disputes arising from the account must be resolved through arbitration. 

By initiating a lawsuit rather than honoring the arbitration provision, your client has violated the terms of that agreement. Furthermore, your actions are in potential violation of the Fair Debt Collection Practices Act ( FDCPA ), as continuing legal collection efforts in disregard of the arbitration clause may constitute an unfair or deceptive practice. 

Accordingly, I demand that you immediately dismiss this case and cease any further legal actions. Please provide written confirmation within 10 days of receipt of this letter. Failure to comply will result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), and any other regulatory or judicial remedy available to me. 

This letter serves as an assertion of my rights and is not a waiver of any other rights or defenses I may have. 

Sincerely, XXXX XXXX Please ensure that you see all the attached documents associated with this complaint and please use the CFPB as the portal for response to ensure proper receipt of documentation. Thank you
Product: Checking or savings account

Hello my name is XXXX XXXX and I used to bank with Wells Fargo from about XXXX until XXXX when they decided to close my account. Last year with them I noticed several fraudulent transactions on my Wells Fargo checking account that I disputed with them. I believe it totaled {$12000.00} if I am not mistaken and the Wells Fargo claim number was XXXX. I do not know why they chose this case against me as they never explained and then after all this they decided to close my account and also overdraft it. I was not going to put any money back into this account as I did not trust Wells Fargo anymore. They do a lot of shady business as you can google it and look at their shady practices. But also they put me out over {$12000.00}. I fell into a deep XXXX over this and here we are almost one year later finally getting over this after a lot of professional help and now able to revisit this case. Bottom line I WANT MY MONEY BACK. I busted my tail end for that money just for it not to be protected or wiped from my account and my old bank not even willing or wanting to do anything about it. Plain and simple.. they just dont care. It takes me a couple months of busting my behind to earn that money. And all Wells Fargo did was turn their shoulder to my claim. I want my case to be looked at by someone who knows what they are doing in that company and someone who values a human and his hard work. What happened to being FDIC insured. Im going to fight for this money if I have to. You guys can reach me at XXXX or at XXXX. I want my XXXX money back. I will not let big corporate bully me anymore. Its been almost one year of battling my inner demons because of this but I can finally stick up for myself once again. I will not let you guys bully me. DO YOUR DUE DILIGENCE AND PUT IN WORK INTO MY CASE WELLS FARGO
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I used zelle to transfer money from my account and they locked it up and didnt give me money that was sent to my zelle. They told me my accuser was locked even though all the information on the account was correct I still couldnt access my money.
Product: Credit reporting or other personal consumer reports

Trans Union is reporting negative collection items on my credit report without my handwriting consent. This is against the law under 605B
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 Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

First, I received information from XXXX credit report. Showing that a point has been taken and that my balance increase {$300.00} between XX/XX/XXXX and XX/XX/XXXX almost like I owe them more money. Sidenote ( I paid {$440.00} to them XX/XX/XXXX and was and still is current on my payment ) I talk with them about this matter today XX/XX/XXXX and they gave me the RUN-AROUND. An addition on all three of credit reports XX/XX/XXXX payment were not reported 5 of those were the 5 first payment and the info one is false and inaccurate. I talk with them about this matter they gave me the RUN-AROUND also putting me on hold for long periods, then hanging up. No one calls back and when I call back no one answers.
Product: Money transfer, virtual currency, or money service

My Cash app account was compromised and there we're not over 30 unauthorized attempts to access my account. I communicated with Cash app stating that I was going to close my account AFTER my XXXX  was deposited. When I attempted to transfer my funds to a different card, they were rerouted to an debit card that I wasn't familiar with. At first I thought it may be a previous card I no longer had access to, after researching it, I learned that there was not so. I contacted Cash App and requested the information on the fraudulent card. I was given the last 4 numbers of the receiving card and the bank it went to. Cash App denied my dispute and told me to contact the Bank. The Bank XXXX XXXX XXXX  ) informed me that they had no records of the transaction and that I had no accounts with them. 
I contacted Cash App again requesting all information pertaining to the transaction and I was told no. 
I filed a fraud report and a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

DEPTEDXXXX XXXX {$860.00} DEPTEDXXXX XXXX {$5100.00} DEPTEDXXXX XXXX {$5000.00} XXXX XXXX {$410.00} XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX {$510.00} XXXX   XXXX {$2000.00} XXXX XXXX {$3500.00}
Product: Mortgage

Mortgage company reported a late payment in XX/XX/year>, and payment was not late. XXXX XXXX dropped by XXXX points because of this inaccurate information reported.