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

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 
Account XXXX XXXX  XXXX Account XXXX XXXX Account XXXX XXXX  XXXX Account XXXX Account XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX Account XXXX XXXX XXXXXXXX Account XXXX  XXXX Account XXXX  XXXX Account XXXX XXXX  XXXX Account XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX. XXXXXXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX  account XXXX. 
Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a phone call from my bank, Wells Fargo, that ended in me getting scammed out of {$3500.00} through the XXXX money transfer service. The number that called me even came through as the number associated with Wells Fargo customer service line. After waiting 2 weeks and not hearing anything, I called Wells Fargo who then informed me a decision had been made, and I would not be getting my money back. The institution receiving the funds refused to refund them and, as I learnrd, XXXX does NOT protect against scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the letters off on XX/XX/, from the postal office here is my receipt number # XXXX The purpose of the letter was to request the removal of personal information that I neither possess nor desire to have on my credit report due to suspected identity theft and misuse. Initially, I had some hope when a few items were removed, but unfortunately, they reappeared, this time accompanied by a new address where I have never resided. Attached you will find the receipts along with letter and more proof. 
I took the time to educate myself further on my rights, and according to the Fair Credit Reporting Act ( 12 USC 1681 ), I am entitled to privacy protection. Additionally, in conducting my own research to safeguard myself, I discovered that no financial institution should share my information with a third party, as outlined in the Gramm-Leach-Bliley Act ( 15 USC 6802 ). 
Please can you assist me and have them removed. please
Product: Money transfer, virtual currency, or money service

Today XX/XX/20, I tried to transfer money, {$15.00}, from my XXXX into my bank account. It would not let me.
Product: Debt collection

Trans Union is the only company refusing to update collections accounts. XXXX, XXXX and XXXX have all stated debt is not valid and have removed. Keep updating files to further harm credit
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX XXXX XXXX XXXX XXXX and XXXX are consumer reporting agencies and I am the Consumer. These agencies have failed to do so. I have the right to make sure my private information isn't shared which is backed 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. '' ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX XXXX XXXX  XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX XXXX XXXX and XXXX, ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 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. XXXX XXXX XXXX XXXXXXXX and XXXX are not maintaining reasonable procedures.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX we received our first bill from XXXX XXXX for XXXX. ( attached ) We promptly paid the bill. Again, in XX/XX/XXXX we paid our second bill for XXXX. Again, both on time. Then when XX/XX/XXXX statement came we were billed XXXX. My husband called XXXX XXXX to find out what the issue was. We were told there was a loan shortfall caused by us paying XXXX ( the amount we were billed ) and that our loan was re-amoritized. I argued I had a fixed rate loan, had never missed a payment, had never made a late payment, and paid exactly what was billed. Well, after double checking my promissory note ( attached ) and TILA ( attached ) I was to always be billed XXXX. XXXX changed the monthly payment and thus caused a shortfall. When I told them this information they refused to correct the shortfall. Not only did they not correct the mistake they refused to return my calls or emails to provide answers for these issues. Around 90 days later and this issue still exists and they still refuse to answer. Additionally I offered to make up the shortfall myself by offering a check for the missing amount and they just applied it to interest. Thus the shortfall still exists. The extra amount would have gone directly to principal. Additionally, in XX/XX/XXXX we made an extra payment amount on top of the monthly payment. This was made all at the same time. The letter we sent contained directions to only apply extra payments beyond the monthly requirement be applied to principal and not the next months payment. This was ignored. Then XXXX " a higher up '' as she calls herself lied and told me it went to principal when clearly it did not. We requested this be fixed and it has not been done. No one has offered to fix anything either. A certified letter is attached that I mailed. I also made dozens of calls.
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 violates ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platforms, 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 Regulations E. These actions have caused significant inconvenience and financial losses and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XX/XX/year> Equifax Experian TransUnion XXXX XXXX XXXX XXXX XXXX, IL XXXX Formal Dispute Regarding Inaccurate information on my credit report Dear, Trans Union I am writing to formally dispute, inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the fair credit reporting act and request a thorough investigation into these inaccuracies as required by federal law. 

Recently, the consumer financial protection bureau filed a lawsuit against Experian and Trans Union for it failure to properly investigate consumer disputes citing sham investigations and other unlawful practices. These practices outlined by the CFPB include : Conducting an adequate investigations that failed to address consumer disputes properly. 
Reinserting previous disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. 
I am deeply concerned that my dispute may have been mishandled in a similar manner.

Please review the inaccurate information being reported.

Under the FCRA you are required to : Conduct a proper investigation into my dispute. Inform me of the results of your investigation in a clear and comprehensive manner. Provide me with any documentation you relied on if the disputed information is verified as accurate. Ensure that Inaccurate or unverifiable information is corrected or removed from my credit report promptly. If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of the information of my credit report. 

Furthermore, I request reading confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserved the right to escalate the issue with the CFPB and other appropriate agencies. 

Thank you for addressing this matter promptly, I will look forward to your response within them legally mandated 30 day timeframe. 

Sincerely yours truly, XXXX XXXX XXXX
Product: Credit card or prepaid card

I received a call from XXXX ( XXXX ) XXXX claiming they were with the FBI and that my identity had been stolen and my social security number needed to be changed. They told me I needed to purchase Google Play cards in order to protect my money. I called Google Play and let them know and they told me to file a complaint here. I purchased these cards through XXXX XXXX and XXXX. Attached is the voicemail and receipts I received.
Product: Consumer Loan

I have been working on my credit and fixing it for over a year, to refi my car loan with XXXX XXXX that had a huge intrest rate. I got my credit to a XXXX and was ready to start looking to refi. Well I am a Wells Fargo customer and have had over XXXX in my account for months, credit card with them, saving etc. I got an email from them stating " good news since your good standing with us you have been approved for a refi car loan with us! '' I was happy and started the loan app online. Right when it said at the end, continue, submit or save for latter I hit the " save for latter '' button due to wanting to talk it over with my Husband first before continuing. Well the next day I got a notification that a hard inquiry hit my credit. I looked it up and it was Wells Fargo! I was so mad, my score went down to XXXX 's! I called the local Wells Fargo, complained, irate and mad and explained what happened. There was nothing they could do, since it was online. At that point I thought do I just go in and see what they can do, or take the hit on my report and go some where else. I was mad and did not want to use them, after they checked my credit with OUT my authorization! I went in and since it was already a hit and checking to see if I would qualify. I got a letter XXXX weeks latter stating that my credit was too low, and had to many collections ( I had not one thing in collections! ) So not only did they check my credit with out my consent, they fooled me into thinking I was already approved and lured me into filling out an app ( even though I did not hit continue ) its still pulled a hard pull and my credit dropped, I was never refinanced and now had to go else where to get credit pulled again to get another refi, with a lower score thanks to Wells Fargos deceit! I called, complained, and they can do nothing! This hard pull cost me XXXX points!!!! I never agreed to the hard pull, SAVE FOR LATTER MEANS, IM NOT CONTINUING NOW, I MIGHT LATTER!!!! It 's not right or fair! Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My daughter is being added to my fraudulent accounts and her social security number was breached through XXXX and is on the XXXX web as well as mine
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX XXXX and XXXX XXXX all have been paid and closed on my credit report. The loans are closed but is reporting one negative payment missed. This is inaccurate information and affecting me negatively as Im trying to maximize my credit score and profile. These derogatory remarks from these old student loan accounts are creating numerous problems with my new reports I obtained. I just want them removed immediately off my credit report or to fix these inaccuracies payment history, so I can receive what I truly deserve for my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

*Repeated Reporting of late Payments* ( Closed inactive accounts ) XXXX XXXX account closed Discover Bank account Closed in accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

On about XXXX, XXXX I cosigned for my sons home loan through XXXX XXXXXXXX XXXX. What happened next is a nightmare. Chase Mortgage purchased the loan from XXXX XXXX failing to properly transfer the personal and contact information. This resulted in a four month delay in mortgage payments to Chase and a XXXX point negative charge against my hard earned XXXX credit account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Social Security XXXX : XXXX Date of XXXX To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN.

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

On my Chase card, I have over XXXX Limit. 
Card was maxed, I paid XXXX then XXXX ( used the card some ) then paid another XXXX all within XXXX  months They lowered my limit to what I owed impacting my XXXX XXXX and credit to debt ratio making all efforts I did to rebound my credit fail. This to me is a predatory action, I paid over {$8000.00} is XXXX months and now they reduce my line after getting my money and the impact to my credit will take more months to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  posted Re-Age collections that does not show last payment. I need ti know the last payment maded in all collections. Its nit fair to list these account without showing.
Product: Debt collection

On XX/XX/XXXX, XXXX delivered flooring material to my home. Shipping costs were included in the payment to the vendor. However, soon after the delivery I started receiving bills from XXXX  for {$350.00} stating I owed because the items were delivered in my home. I called XXXX  to clarify that the pallet of flooring was not delivered inside my home but it was dropped off in my drive way. I was transferred and referred around to several departments before giving up on a resolution. I refused to pay the fraudulent bill. Subsequently a few months later, I started receiving collection notices from Synter Resource Group requesting that I pay {$3200.00}. The most recent notice is dated XX/XX/XXXX. I have tried to contact Synter Group to ask that they stop sending the fraudulent collection notices to no avail.
Product: Checking or savings account

We applied for re-entry permit to XXXX and paid two cheques of {$660.00} for my wife and I. The purpose of this application was to start my medical treatment in XXXX which is expected to exceed the time allowed for green card holders traveling out of USA. Our application was made on XX/XX/XXXX and cheques were written on XX/XX/XXXX. We received a letter from chase bank on XX/XX/XXXX by post, the letter dated XX/XX/ stating that our account has been closed for the reason that we did not provide information they requested. There was no prior intimation or information given to us about closing our bank account. 
The aforementioned letters requested our social security numbers as well as the XXXX forms. These were filled and sent out immediately by the return envelopes provided. There was no delay in response from our side. The bank also took copies of our social security cards when we opened the account. It was a joint account for both of us. 
Due to this negligence, our checks were bounced and XXXX has now rejected our application with the reason that the check was returned by my bank. Despite maintaining the required balance at all times in our account and adequate available balance in our account whilst writing the cheque, our accounts have been closed causing a delay in my medical treatment and prolonged the pain in my XXXX. We will also have to return to the USA midway through my treatment and then travel back to XXXX to complete it. 
Implications of this closure. 
1. Delayed medical treatment and failure of our plans 2. Damage to our credit 3. Extra cost of 2 plane tickets due to increased travel 4. Penalty of {$61.00} paid to XXXX for their service fee We request you to please look into the detail of this matter and take the appropriate action so that other customers do not suffer due to this unprofessional behavior of the bank. Also, I request you to compensate us for the losses we have to bare due to banks irresponsibility.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered several inaccuracies that do not accurately reflect my financial situation. This erroneous information is negatively impacting my credit and limiting my ability to obtain credit. 

I have already disputed these accounts with each credit Bureau but have not received a satisfactory resolution. I am now seeking the CFPB 's assistance to investigate these inaccuracies and ensure they are removed from my credit report. 

Below is a list of the of inaccurate accounts I am asking you to investigate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I received an email from someone named XXXX XXXX. Their number is : XXXX ( XXXX ) XXXX. I dont have any students! As a matter fact, Im XXXX, thats why I knew this is a scam attempt.
Product: Debt collection

Formal Notice of Violations and Request for Remediation Dear CCS Collections, I am writing to bring to your immediate attention clear violations of both federal and state laws in the manner of how CCS Collections has handled my credit information. 
It has come to my notice that unauthorized items have been reported to my credit report without my explicit consent, constituting a serious breach of privacy and identity fraud. This action violates FCRA Section 604 ( a ) ( 3 ) ( A ), Ohio Revised Code ( ORC ) Section 1349.19, and ORC Section 1349.191.

Furthermore, the unauthorized reporting is adversely affecting my creditworthiness, and I assert that even in the case of a permissible purpose, my explicit consent is a necessity, as outlined in FCRA Section 604 ( a ) ( 3 ) ( A ) and ORC Section 1349.19. 
I am formally demanding the immediate removal of this unauthorized and unverifiable item from my credit report, in clear violation of FCRA Section 611 ( a ) ( 1 ) ( A ), Ohio Revised Code Section 1349.19, and ORC Section 1349.191. I expect this to be done within XXXX XXXX from the receipt of this complaint, as stipulated by FCRA Section 623 ( a ) ( and Ohio state law. Failure to comply within the specified timeframe will be considered willful noncompliance, subject to legal consequences. 
Moreover, I insist on CCS Collections provide a written document that proves I, as the consumer, have granted explicit permission for your agency to access my consumer profile. This failure to obtain consent is a direct violation of FCRA Section 604 ( a ) ( 3 ) ( A ) and ORC Section 1349.19. 
This correspondence serves as a formal notice of violations, and I expect prompt action to remedy these breaches of federal and state laws. Failure to address and rectify these issues will leave me with no choice but to pursue legal action to protect my rights. 
I anticipate your immediate attention to this matter and demand a swift resolution to ensure the accuracy and integrity of my credit report. Done in good faith.