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

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them
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 was impossible and that tracking these transactions was infeasible. The CFPBs finding indicates that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

**Subject : Dispute of Unauthorized Inquiries on Credit Report** Dear Sir/Madam, I am writing to dispute multiple unauthorized inquiries listed on my credit report, as detailed below. These inquiries were not authorized by me, and I request a thorough investigation into their origin and immediate removal from my credit report. Furthermore, I kindly request information on the actions taken to rectify this matter. 

Disputed Inquiries : | Institution | Inquiry Type | Date | Bureau | | -- -- -- -- -- -- -| -- -- -- -- -- -- -- | -- -- -- | -- -- -- -- | | XXXXXXXX XXXX  | XXXX XXXX XXXX XXXX  | TransUnion | | XXXX XXXX | - | XX/XX/XXXX | XXXX XXXX | XXXX | - | XX/XX/XXXX | XXXX XXXX | XXXX | - | XX/XX/XXXX | XXXX XXXX | XXXX | - | XX/XX/XXXX | XXXX XXXX | XXXX | - | XX/XX/XXXX | XXXX XXXX | XXXX XXXX XXXX | - | XX/XX/XXXX | XXXX XXXX | XXXX | - | XX/XX/XXXX | XXXX XXXX | XXXX XXXX | - | XX/XX/XXXX | XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | TransUnion | | XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | TransUnion | | XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | TransUnion | | XXXX XXXX XXXX | XXXX XXXX XXXX | XX/XX/XXXX | TransUnion | | XXXX | - | XX/XX/XXXX | XXXX XXXX | XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX TransUnion | | XXXX | - | XX/XX/XXXX | XXXX | | XXXX XXXX | XXXX XXXX XXXX XXXX XX/XX/XXXX | TransUnion | | XXXX | - | XX/XX/XXXX | XXXX | | XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX | TransUnion | XXXX XXXX XXXX  - | XX/XX/XXXX | XXXX | | XXXX XXXX | XXXX XXXX XXXX | XX/XX/XXXX | TransUnion | # # # Reasons for Dispute : 1. **Unauthorized Inquiries** : I did not authorize any of the inquiries listed above.

2. **Violation of Fair Credit Reporting Act ( FCRA ) ** : These unauthorized inquiries infringe upon my rights under the FCRA , specifically Sections 604 and 611, which ensure the accuracy and fairness of information reported by credit bureaus.

# # # Requested Actions : 1. **Investigation and Removal** : I request a thorough investigation into the unauthorized inquiries listed above and their removal from my credit report.

2. **Notification** : Please provide written confirmation of the investigation 's progress and the actions taken to resolve this matter.

# # # Legal Basis for Dispute : 1. **Fair Credit Reporting Act ( FCRA ) ** : The FCRA mandates the accuracy and fairness of information reported by credit bureaus. Unauthorized inquiries violate the FCRA 's provisions, including Sections 604 and 611.

Enclosed are copies of my credit reports highlighting the disputed inquiries, along with any supporting documentation affirming my claim of unauthorized inquiries. 

Thank you for your prompt attention to this matter. I trust that you will investigate this dispute thoroughly and take appropriate action to rectify the inaccuracies on my credit report promptly. 

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

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.XXXX XXXX XXXX XXXXXXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Product: Student loan

This was very misleading when I qualified for federal pell and grants and had to stop school due to emergency XXXX. I am unable to enroll in college due to this charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

besides stating actual law and regulations the problems and incorrect information is still appearing on my credit reports, feels like and also appears that my complaint was essentially been ignored, inaccurate on my credit report is very harmful to me personally and financially.the credit bureaus just report anything that they choose to report despite and without regard. i have pointed out how my right to privacy has been violated, my accounts do not state that the accounts and information is being disputed ... 15 u.s.c 1681 ( a ) 2 ( a ) the information excluded from consumer reports Sub Section B paragraph 3 the term consumer report does not include, 1. a report containing information solely as to transactions or experiences the consumer 'myself ' and the person 'company ' making the report, 15 u.s.c 1681. no credit reporting agency shall furnish any information in a consumer report if they have knowledge or reasonable suspicion that the information is incomplete or is inaccurate, the account XXXX  states that the status of that account was discharged in XXXX XXXX date account opened according to credit report is XX/XX/XXXX status updated is XX/XX/XXXX??? seriously, whats even more disturbing is the collections account from XXXX XXXX XXXX is from XXXX it states date opened XX/XX/XXXX and balance updated XX/XX/XXXX, XXXX both these accounts are 1 in the same so why is XXXX XXXX illegally parked on the credit report. and why are the credit bureaus allowing that? all names besides the 1 i have provided and addresses older then 7 years old, also the name XXXX XXXX XXXX is in my personal information PLEASE REMOVE!!!!!!!! i will if these matters are not addressed will be hiring counsel PLEASE DO NOT FURNISH OR PROVIDE ANY INFORMATION THAT IS INACCURATE,!!!! if you guys would conduct an actual investigation you will see the errors.. thank you.. hopefully this will be the end of this fiasco..
Product: Credit card or prepaid card

I had a XXXX XXXX credit card. Synchrony bank closed it without any notice. I have several cards with Synchrony, and I am seeing the trends that they wants to manipulate the credit score to a lower number so that Synchrony can get higher interest possible. By closing the XXXX XXXX card they impacted my credit score.
Product: Debt collection

US Bank ( XXXX XXXX XXXX XXXX, XXXX, MN XXXX ) misdirected my bank statements to an unauthorized address in XXXX  XXXX, VA from XX/XX/XXXX to XX/XX/XXXX which is a breach of FDIC privacy law. US Bank claims they received an address change from the US Postal Service but I spoke with XXXX XXXX of the USPS Consumer and Industrial Contacts Dept. ( XXXX ) on XX/XX/XXXX who assured me that that as long as I continued to receive mail at the current correct address ( which I did ) that it could not be an official change because all of my mail would have been diverted to the other address in VA ( which it was not ). I spoke with XXXX XXXX at USPS on XX/XX/XXXX who checked their database and found no record of an address change and spoke again on XX/XX/XXXX with XXXX who also confirmed that no Change of Address was ever processed at the USPS. I then mailed an envelope to my own business address which was delivered by the US Postal Service on the following business day without problem or misdirection. I have been corresponding with US Bank XXXX Customer Service address in XXXX, WI since XX/XX/XXXX trying to resolve this matter by paying the principal balance ( {$670.00} ) on my Business Reserve Line of Credit and proposing a compromise on the interest ( during the period of time that my statements were misdirected ). I spoke with XXXX XXXX, Branch Manager of the local US Bank on XXXX XXXX XXXX XXXX ) on XX/XX/XXXX who indicated that he had authority to waive the interest charges and called his " boss '' for authorization but they declined to negotiate in good faith. My account with US Bank was closed in XX/XX/XXXX and no disclosure of an open balance on the Reserve Line was mentioned at the time. I was unaware of it since my partner XXXX XXXX primarily handled the account and has since died of XXXX. I acknowledge my fiduciary responsibility for the debt and have repaid the principal in full. They are denying any culpability by blaming the USPS for supplying the change of address which I never authorized and the USPS never processed.
Product: Vehicle loan or lease

I sent a certified letter, with a negotiable instrument for the payoff of the loan. Included were instructions on how to process the instrument and if they refused the instrument the debt would be discharged under : U.C.C. 3-603 ( b ) states : If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 



U.C.C. 3-311 ( a ) and ( b ) state : ( a ) If a person against whom a claim is asserted proves that ( i ) that person in good faith tendered an instrument to the claimant as full satisfaction of the claim, ( ii ) the amount of the claim was unliquidated or subject to a bona fide dispute, and ( iii ) the claimant obtained payment of the instrument, the following subsections apply.

( b ) Unless subsection ( c ) of this section applies, the claim is discharged if the person against whom the claim is asserted proves that the instrument or an accompanying written communication contained a conspicuous statement to the effect that the instrument was tendered as full satisfaction of the claim.

The letter also included that if they refused the instrument, they needed to inform me and return the instrument, it has been in their possession and they haven't returned it. Which is now causing this to be securities fraud.
Product: Debt collection

This company is in violation of FCRA and FDCPA. I requested a validation of the debt about 6 times already and not only didnt I receive a validation but they still report this debt to all 3 credit bureaus .By law if they were not able to validated the alleged debt they have have to seize and disease any collection activity, instead they are sending me a computer letter that they no longer investigate this matter and they sent me anything they have and according to them it was enough. All they sent is a copy of one credit card statement. No actual contract, not the history of the payments and activities, and most impotent the ownership of the debt was not established and confirmed.
Product: Debt collection

The company XXXX CONTINUES to report on my credit bureau stating I owe a debt that I am not aware of. I have sent them numerous letters stating that I need to has this verified in order to determine that these alleged debts are owe by me. They sent me an account summary which shows nothing about me opening these accounts. I asked them to send me the consumer contract with my signature on it so I can see if that is my signature. They have failed to do so and from my understanding under the FCRA a 3rd party collection agency should have that information and they have failed to provide me with the info and continue to place this alleged debt on my profile which is hindering me from utilizing my credit. They stated that these accounts were made online, without my signature how could someone just open an account with my authorization online and they hold me accountable and they cant verify that it is mine.
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.

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 inructions 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. 

These are the inquiries which should be off from report.
Product: Mortgage

My husband and I applied for a mortgage loan to CITI Bank XX/XX/2015. We filled out an application, paid a {$100.00} application fee, and {$560.00} appraisal fee. After we did this, we found out that we could not get the type of loan we wanted because we could not get an appraisal prior to purchase per the terms of the auction purchase agreement. We received a letter from CITI in XX/XX/XXXX that said we would be receiving a refund for the appraisal fee since the loan application was never really processed. We received an additional letter this year. Both letters said we would receive a refund and if we did not, Citi gave us a Customer Service phone # to call. We have not received the refund to date. I have called the number twice and both times were routed to the original loan officer. He has been left several messages and has failed to return our calls. That is why I am contacting the CFBP to try and get my money back. I do n't know why since they told us they owed us the money, they just did n't send it.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS THAT WAS OPEN WITH MY PHOTO ID AND SOCIAL SECURITY NUMBER SOMEONE USED MY INFORMATION WHICH I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX 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 an account without my written instructions.
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 ( 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 redres for these violations.
Product: Credit card

light ordered from XXXX XXXX XXXX on XX/XX/XXXX for {$3000.00} to be delivered within XXXX days. My credit card with Truist was charged the same day. Tried to contact company on the XXXX to check on delivery. Their website stated they would respond the same day... never heard back from them ... didn't return telephone calls or emails that I had sent multiple times during that period. I called Truist and disputed the charge on the XXXX I reordered from another company and received the light in XXXX days. I received the original order from light & home on XX/XX/XXXX. XXXX advised me to refuse delivery and they would return the light to the sender, which was received by them on XX/XX/XXXX. Truist denied the claim. I have never been able to reach XXXXXXXX XXXX XXXXXXXX. Truist needs to credit my account but says it is out of their hands. I have backup and receipts for everything
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never opened an account with XXXX XXXX yet there is a charge off account on my credit report stating that i owe {$50.00} when I never opened an account with this company. I shouldn't have false information on my credit report and i dont believe i should be penalized for inaccurate information. The bank information is XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but XXXX account still has to be repaired. The XXXX credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 
XXXX XXXX
Product: Debt collection

I sent a dispute letter with proof identity theft for the from XXXX for {$880.00} and the XXXX debt. I sent it out on XX/XX/2023 & I did my research and I sent them to all 3 credit bureaus certified mail but they acknowledged but they still havent removed it.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been nearly 30 days and you they are in violation of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in violation!!!

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 under the following circumstances and no other : ( 2 ) In accordance with the written instructionof 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.
Product: Credit reporting or other personal consumer reports

I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.