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

I'm DISPUTING inaccurate personal information found on my credit report. This information is NOT ME and I have NO RELATIONSHIP to it. Please remove this information from my credit report immediately- If you continue to report inaccurate information I will be filing a lawsuit for willful noncompliance to FCRA regulations. Inaccurate Addresses : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX and XXXX XXXX XXXX XXXX, NC XXXX.
Product: Money transfer, virtual currency, or money service

Regarding of Zelle handling a dispute particularly in the light and recent CFPD lawsuit highlights significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims and adequately. They informed me that reporting was impossible and that tracking these transactions was infeasible. The CFPD finding indicates that Zelle was not only neglected to protect consumers but also had repeatedly offenders to support the system and leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three main credit bureaus do not have accurate information on my credit reports. 
They are impossible to reach either though their individual sites as well as the contact numbers they provide. 

Due to their inaccurate information, my FICO scores are not only below that they should be, the decline with no specific information given by the credit bureaus. 

Two  issues that they have incorrect is they show I have no installment loan and according to their models, this hurts my credit  score. If fact, I do have an auto loan that they showed all of last year but for some reason fail to show it now. 

They also show a debit balance on my credit card that has impacted my score by XXXX basis points. When in fact, I have a credit balance. It appears they looked at the credit balance as a debit balance. 

My FICO scores should be much better than they are reporting. I track them and the information provided several times a month. 

I often receive a notice that their sites are down and when calling their contact numbers only get into a calling tree that does not allow me to reach a representative. 

Thus my scores are now so low I am not able to gain a favorable mortgage rate. 

I've been frustrated with these " for profit '' credit bureaus as long as I can remember. 

Any assistance would be greatly appreciated.
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 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 losses, and I seek appropriate redress for these violations.
Product: Debt collection

Resurgent Capital and LVNV funding llc have ignored my requests to cease and desist all communication. I have sent debt validation letters and until validate debt and method of validation to stop and cease all communication, they sent emails and i have informed them to stop they have ignored all request to cease and desist. they are constantly violating the fcra laws for abusive practices and blatantly harassing me. i am receiving constant letters, emails and phone calls after i have repeatedly informed them to cease. this is over a XXXX or more fine in violation. since violated and can not validate method or debt please remove from credit reporting and STOP ALL COMMUNICATION
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 Best Buy corporation promised to pay me {$390.00} as compensation for their pathetic service regarding my purchase of {$4300.00} of appliances from Best Buy. Essentially every thing that could go wrong with the purchase went wrong so Best Buy promised to either credit my account or send an AWARD certificate in the amount of {$390.00} as a compensation for pathetic customer service. 
A case number was issued by Best Buy which explains the details and it is XXXX. 
I was told that I would have my compensation within XXXX business days. I have called Best Buy 3 times and get nowhere. Frankly now I want more compensation for all the wasted time I wasted trying to get this matter resolved over the phone.Their service is pathetic.
Product: Checking or savings account

The accounts in question funds where not returned after an approval was given and then closed after they got my money. The bank sent a letter stating the balances that total {$120.00} were applied to a previous balance owed. My attempts to get the total amount owed from this balance minus the {$120.00}, that I feel was stolen and applied to this mystery balance have not been successful. I have also not been successful in having it stated that the satisfaction of this mystery balance will be removed from all third party reporting agencies if satisfied.
Product: Credit reporting or other personal consumer reports

I received my credit report on XX/XX/year> and notice there were accounts that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. 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 has violated my rights. 15 U.S. C 1681 section 602 A.

States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. I also asked for the original contract to be provided and it was not.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

Its called enhanced recovery company. Their phone number is XXXX XXXX XXXX which no one answers its just a recording and then they hang the phone up on you what they are doing is buying old debts from debt collectors and putting them as new debts and putting them on your credit report after 10 years this is ridiculous and this should be illegal then when you try to call to fix the situation you cant talk to anyone just a recording. I need some help. This is ridiculous. Things are on my credit report. Shouldnt be on my credit report, something as simple as XXXX equipment not returned when it was returned but they had private contractors at the time picking up everyones equipment, which when I talk to XXXX they said I had no debt with them at all and all my equipment was returned so this is crazy
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I co-signed a private student loan my daughter took out through XXXX XXXX. She took out another loan which her mother cosigned. Her mother and I divorced years before my daughter took out the loans. Wells Fargo bought XXXX XXXX Without my knowledge, Wells Fargo combined the loans my daughter took out. I was paying off the loan for which I cosigned and discovered Wells Fargo 's move. I contacted Wells Fargo several times and was told the error was corrected. This was many years ago and I heard nothing more from them., Recently I received a letter from Wells Fargo stating they were transferring their student loan division to XXXX XXXX and indicated I was still responsible for a cosigned loan. Given my conversation with Wells Fargo was many years ago, I shredded all the documents from XXXX and Wells Fargo. I have also received a letter from XXXX with an amount. This is not XXXX XXXX 's error but Wells Fargo.
Product: Vehicle loan or lease

Over thirty days ago, I, mailed Documentary Evidence to ALLY FINANCIAL in support of contract dispute, which was received by ALLY FINANCIAL on XX/XX/2021. On XX/XX/2021 I opened a case with Consumer Financial Protection Bureau case number : XXXX in reference to this dispute, which was closed. 
On XX/XX/2021 ALLY FINANCIAL submitted a response through the CFPB in the form of a letter. Note that the Documentary Evidence pertaining to this case includes a notarized Affidavit of Truth, which unrebutted stands as Truth. Given ALLY FINANCIALs neglect to respond with a counter-affidavit and by instead providing a letter, which failed to address all violations outlined the original affidavit provided; ALLY FINANCIAL is now in fault and in agreement and have stipulated to the terms outlined in the Documentary Evidence through such actions. Additionally, on XX/XX/2021 I received a letter from ALLY FINANCIAL dated XX/XX/2021 regarding this case, falsely claiming that ALLY FINANCIAL was unable to conduct a reasonable investigation because I did not provide sufficient information. To ensure the clarity of my demands and in light of additional violations identified, Ive submitted a second round of Documentary Evidence including : a. Affidavit of Truth- TILA b. Affidavit of Truth- FDCPA c. Affidavit of Truth- FCRA d. Exhibits ( A through O ) e. Invoice ( updated )
Product: Credit card

On XXXX XXXX I applied for a Citibank XXXX XXXX XXXX with a XXXX bonus miles award after spending {$3000.00} during the first 3 months I have spend more than {$13000.00} during those 3 months however Citibank refuses to honor the bonus miles award claiming that the promotion is valid for new customers only. 
However there is no indication on the website about that : XXXX I have had a Citibank XXXX Credit Card before but it was cancelled in 2015. 
Thank you
Product: Debt collection

Found out Westlake Financial has been listed as fraudulent company, and notorious for bad complaints with consumer affairs. After dealing with this company trying to work a settlement on an account I defaulted on, I see why this companys reputation is so bad. XX/XX/XXXX I called them and tried to work out a settlement offer to get my acct closed. I offered them one amount which was all I had at the time to contribute to the debt, they counter offered me another amount to sif and remove the account from my credit file as long as i made a payment that day via money gram. After making the payment I called back to let them know i was hung up on twice. Then I was told i would receive an email in a couple days confirming that my acct would be sif and removed from my credit file as agreed upon. Two weeks pasted no email no action, another two weeks a month later no email no action. Luckily I was recording the conversation. I called back then I explained to a new person all that happened he told me someone would call me back because I should not of been told they would close out the acct for the amount paid. I told him well they did and that was the agreement, so he said well do you have that in writing I said no I do n't have to. I explained that there were clear fdcpa violations, just in the mini Miranda alone, not to mention the lies I was told and failure to adhere to the terms of the deal we made. But anyway, I told him had it recorded and was recording him, he panicked then said immediately he could no longer speak with me and hung up on me
Product: Credit reporting or other personal consumer reports

These companies accessed my credit report without my permission, which has negatively impacted my credit score. I reached out to TransUnion, and a representative said they would remove the inquiries, but theyre still there. These unauthorized and fraudulent inquiries are causing me anxiety, as I worry I might be a victim of identity theft, adding unnecessary stress to my life and further hurting my credit score.
Product: Debt collection

Over the last few months, my relatives have received multiple phone calls a week. These relatives stated that I am not connected to them. They also repeatedly call my XXXX mothers house who has also told them to stop calling due to me not living there. The harass me back to back all day and then begin to harass them.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I sent a dispute letter to XXXX regarding fraudulent charges on a Discover Card account, which were attributed to me due to identity theft. The account in question had several unauthorized charges totaling {$310.00}. I provided comprehensive evidence, including a police report and an FTC Identity Theft report. XXXX acknowledged the fraud and removed the account from my credit file on XX/XX/2023. 

However, as of XX/XX/2023, I discovered that XXXX had reasserted the previously deleted fraudulent account back onto my credit file. This action is not only against my rights under the Fair Credit Reporting Act but has also continued to severely impair my access to credit, including business credit linked to my personal file. This reinstatement happened despite the submission of substantial evidence and the acknowledgment of identity fraud. I sent a police report, FTC report and documents proving my identity. Discover are doing their best to suppress this issue at hand and I'm now prepared to litigate! 

This incident is the latest in a series of unsuccessful attempts to resolve this issue, marking either the second or third time I am addressing this complaint to the reporting agency and the creditor. The first attempt to address this FRAUD, Discover came back in 2 days and said they did an investigation and it's verified not fraud. When I called Discover to ask them how they performed their investigation, and to show proof, they could not provide details. I spoke to a supervisor and someone in the fraud dept. The continual mishandling of my credit file by XXXX and Discover in light of clear evidence of identity theft has caused ongoing financial and personal distress.
Product: Debt collection

They call me XXXX times a day with different numbers I google the number and called back they pressured me asking for my name and last XXXX of my ss number and saying if this was me. Then they say I owed xxxxx and asking for my bank account numbers there are many scam with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

got a letter from main office Republic Finance in XXXX XXXX LA. told i didn't owe them loan was settled but still shows on my credit report unpaid plus false claims from their XXXX TN office since XXXX going to this date XX/XX/XXXX I think maybe some fraud about me
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX New Jersey XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX TransUnion LLC Consumer Dispute Center TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Re : Credit Score impacted due to incorrect reporting by XXXX XXXX XXXX  New Jersey regarding XXXX XXXX XXXX XXXX # XXXX ). Loss of XXXX points due to incorrect reporting to credit bureaus : Transunion, XXXX, XXXX. 

The XXXX XXXX XXXX  New Jersey offers any customer that have an loan in good standing an opportunity to skip their monthly payment. In XX/XX/XXXX, I contacted the XXXX XXXX XXXX  New Jersey to request a skip a payment option for the month of XX/XX/XXXX. This skip payment would be for 2 loans that I currently have with the XXXX XXXX XXXX New Jersey. One is an auto loan that was around {$18000.00} and the other was a personal loan around {$12000.00}. My bi-weekly payment for both loans is around {$170.00} ( i.e. monthly total approx. {$340.00} ). 

I was unaware the XXXX XXXXXXXX XXXX New Jersey would report the skip a payment option to the credit bureaus : Transunion, XXXX, XXXX. The incorrect reporting by the XXXX XXXX XXXX  New Jersey made it appear my loan balances for the auto & personal loan increased due to a non-payment on my behalf. On XX/XX/XXXX, I received a credit score alert indicating my credit score decreased by XXXX points due to the incorrect reporting by the XXXX XXXX XXXX New Jersey regarding my loans ( see attached exhibits A, B, C ). 

I immediately contacted the XXXX XXXX XXXX  New Jersey XXXX XXXX is close In XX/XX/XXXX. A customer rep, XXXX XXXX, assisted me. She stated she would consult with her supervisor. On XX/XX/XXXX, XXXX XXXX gave me a letter from the XXXX XXXX XXXX New Jersey to submit to Transunion, XXXX XXXX. This letter indicates my account is in good standing. ( see attached exhibit D ). However, the XXXX points I lost because of the incorrect information submitted to Transunion, XXXX, XXXX hasnt been restored back to my credit score.

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), I am requesting the XXXX points I lost be restored to my credit scores and any negative comments based on the incorrect information be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and was shocked to discover numerous errors in the reporting. It's baffling to me why this company is reporting this account on my credit file. I have always maintained timely payments and have never been delinquent. Upon contacting them, I was advised to dispute the matter with you.Specifically, I noticed discrepancies related to the following account : 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

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' EDFINANCIAL SERVICES L Balance details 0 % paid off Balance {$4500.00} Balance updated XX/XX/XXXX Original balance {$4500.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XX/XX/XXXX Original balance {$4500.00} Monthly payment {$0.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms XXXX Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Phone number ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by me THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 

RESPONSE DISPUTE 15 U.S. C ode 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 results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

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 und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of 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. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The List of accounts below has has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX Account # XXXX, Account name : XXXX XXXX Account # XXXX :, Account name : XXXX XXXX, Account # XXXX, Account name : XXXX XXXXXXXX XXXX Account # XXXX and Account name : XXXX 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 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 furish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.