23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Aldous & Associates , PLLC XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT, XXXX To : The Office of Registered Agent for Aldous & Associates , PLLC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 
Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages. 

Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

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

NOTICE OF INTENT TO SUE and OPPORTUNITY TO CURE : I am in receipt of dispute investigation results from Transunion LLC stemming from my initial CFPB complaint filed on XX/XX/XXXX. The CFPB complaint # is : XXXX. I received these results in the mail today, Friday, XX/XX/XXXX and the date issued on the result is : XX/XX/XXXX with corresponding file number : XXXX. I am no way satisfied with the results and am demanding Transunion to provide a detailed method of verification outlining how they came to their investigation results. Transunion is willfully and intentionally violating Federal law by continuing to report invalidated and unverified disputed information. I am demanding Transunion provide me with their written method of verification for : 1. On page 4 of 7 in their results it shows that a change was made to an item in my initial dispute. The change is listed as updated to : NOT SPECIFIED. It is also showing that this item is to remain until approximately XX/XX/XXXX. I need Transunion to provide written details concerning the verification and validation of : XXXX XXXX XXXX XXXX XXXX # : XXXX. With whom did you speak? What is their name and title? What written documentation did they provide to you in order to update my dispute results as : Not specified? If you can not provide such within 10 days you will be sued for XXXX of XXXX. 


2. On page 5 of 7 in their investigation results it reads : VERIFIED AS ACCURATE AND UPDATED. I am demanding Transunion also provide me with their method of verification for XXXX XXXXXXXX # XXXX. With whom did you speak? What is their name and title? What documentation did they provide you with in order to reach these results? 

I am demanding Transunion LLC to provide this information to me in detail and include the dates, names, documentation and personal identifying information they provided you with about me to in fact identify me as the individual you are reporting this information on. I am allowing you 10 days to cure or your company will be sued for defamation of character. 

I have attached documentation to correspond with the aforementioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have student loans that is reporting that I missed a payment this is inaccurate. 

I have several missed payments which all 3 credit reporting bureau is reporting inaccurate XXXX  XXXX account report 4 missed payments in 2020 XXXX  XXXX XXXX reporting 1 missed payment all inaccurate XXXX XXXX XXXX  showing all reports is showing something different I have not received a response in the 30days its been more than 45 days and nothing has been done to remove this inaccurate reports  also some student loans that were paid off they added back to some of the other credit reports which I would like removed from my balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the XXXX XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX {$3800.00} XXXX XXXX {$8500.00} XXXX XXXX {$1000.00} XXXX XXXX {$0.00} XXXX  XXXX XXXX {$340.00} XXXX XXXX {$190.00} XXXX XXXX XXXX {$380.00} XXXX  XXXX  XXXX {$860.00} XXXX  XXXX {$32000.00} XXXX/XXXX  XXXX {$310.00} BANKRUPTCY CHAPTER XXXX XXXX XXXX {$0.00}
Product: Debt collection

XXXX XXXX XXXX has report false, wrong information on my credit report Fraudulent information That I didnt apply for or ever use their services my identity Was used this is not my account by law it need to be removed
Product: Checking or savings account

I closed my account over the phone on XX/XX/15 and received confirmation. Since then I have attempted to contact Wells Fargo by phone several times but they have not been able to tell me if a cashiers check has been issued for my remaining balance of around XXXX 

Today I visited the branch that opened my account and they claimed the check had been sent but was lost in the mail. They were not able to provide a tracking number to verify this. They said I would need to pay a fee of XXXX  to reissue the check and I refused. They said if I would not pay for the check to be reissued I would need to wait until the end of 90 days before they would reissue me a check.
Product: Bank account or service

as my statements on my account show. The bank has been charging me processing fee, after processing fee. Dispersing money constantly from my account. Week after week. I have been stressed over the matter. And would like something to be done about it. Requested that they put a stop on overdraft fees. and they still continued to overdraw me. I felt as if they have stolen money from me. Purposely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously had a Fraudulent account on my credit report which was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account was investigated by all 3 credit bureaus and was deleted from my credit report. 

To my surprise after checking my credit report this account suddenly shows back up on my credit report. I wrote all 3 credit bureaus on XXXX. 

First off this was not my account to begin with. Then it was deleted after fraud. 

Then it suddenly reappears on my credit report. 

However secondly I was never notified in writing within 5 days after this account was previously deleted which is a direct violation and again it wasn't my account to begin with which is why it was previously deleted. 

Please have XXXX XXXX, XXXX and Equifax Delete this account for it is a direct violation.
Product: Mortgage

My previous VA loan with Wells Fargo was foreclosed on. I was divorced and my wife was given the home as part of the divorce decree. She was never able to refinance. I tried to step in and save the loan even though for a house I no longer was responsible for and Wells Fargo refused to work with me per the divorce decree. As a result the house was foreclosed and my va benefits was reduced. I believe this happened as a side effect of the attention paid to new accounts versus helping existing customers. Recent news of XXXX fired wells fargo employees fueled my concerns even further that I was neglected because it was n't tied to some sales goal.
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 were infeasible. The CFPBs 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 serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I sent my full identity theft report to the credit reporting agencies, each one being Equifax, XXXX and XXXX XXXX. I sent every piece of documentation required under the fair credit reporting act specifically section 605B which requires the credit reporting agency to immediately block and remove any accounts, identified as fraudulent by the consumer within four business days. Within one week I received information from each credit Bureau stating that they refused to block the information and instead rolled over into a 30 day investigation. These laws are in place exactly for these reasons so that consumers don't have to fight back-and-forth with the credit reporting agencies to have information deleted that doesn't belong t instead with the credit reporting agencies are doing is deciding to be the judge in jury and they are making the decisions on what they want and what they don't wan na block even without any new proof or new evidence from the furniture of information other than the original information that was submitted that negatively impacted my credit report that was the results of fraud. The credit reporting agencies are notorious for this and continue to get away with it and don't take responsibility. The consumer is not the customer of the credit reporting agency, yet the large companies that report and furnish the information on the consumer are the customers of the credit reporting agencies and pay for that service. Therefore the credit reporting agencies cater to their customers and not to the consumers and or victims of identity theft. I want the information that I clearly outlined in the theft report sent to each one of them certified mail that provided every required document under law as well as the California Rosenthal act and I want those accounts immediately deleted and removed from my reports.
Product: Money transfer, virtual currency, or money service

I have a online account with square and also a debit card.Somebody was using my debit card and I Immediate reported as fraud. I contact Square by phone multiple times on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and each time They are telling me that I'll get the money back and somebody will contact me in 2 days, but nobody did.Last time I spoke with XXXX manager at square and she was able to give me some of the money back {$3900.00} But they are still holding {$7200.00} with no explanation and no reason Or when I will get the money back They keep saying that somebody will call me in two days and it's under investigation. They are scamming me!! and therefore I'm asking the CFPB to step in and take admittedly action against Square.
Product: Credit reporting, credit repair services, or other personal consumer reports

identity theft XXXX my XXXX XXXX XXXX. Security at XXXX informed me showing me my account was compromised therefore resulting in my termination due to {$14000.00} at risk that very minute 48 credits XXXX XXXX yrs gone I appealed forgiveness from government but no longer have proof it was forgiven. 
My info XXXX XXXX XXXX XXXX XX/XX/XXXX current cell # XXXX Email : XXXX Would like copy of my identity theft file and for someone to please contact me I have several issues still attacking my identity to much to write about.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I sent a letter to Experian, XXXX, and XXXX  to remove in accurate information from my account. I have not received any response from the credit bureaus about my request. On XX/XX/2020 I sent another request asking the credit bureaus to respond and still i have not received a response it is now XXXX/XXXX/2020. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.
Product: Checking or savings account

First of all I would like to give the utter most graditude for those bankers that was fired for not participating in the illegal practices that Wells Fargo bank has forced those bankers to open up fake accounts with out authorization of those consumers with out the consumers and customers permission. And people that has accounts with Wells Fargo has used the consumers and has taken advantage of those consumers that trusted Wells Fargo bank to help those consumers to succeed in helping them to be financially stable. But surely this is not the case in Wells Fargo bank eyes. I just want to address several issues about how the consumers and customers are being taken advantage of. ( XXXX ) Wells Fargo bank is and has opened accounts with the consumers authorization and permission forging names on documents with out the consumers and customers permission and has also failed to inform that customers and consumers about all of these hidden fees and signing up the consumers and customers with out the consent and permission customers with out letting those consumers and customers know what is happening as to why when or where on what is happening to those consumers and customers. But still yet Wells Fargo bank wants a consumer to talk to someone else and I would like to say that everyone has a right to financial privacy in which this is not the case in Wells Fargo bank eyes. The reason for me saying this is because every time you call to check your balance of how much you have in your account before a banker comes on the line to speak to a customer or consumer Wells Fargo bank tells you that is a secure line in which is not and you are being recorded and when this happens bankers can here everything that is being said how is it possible for bankers to say these things when everyone should have a right to financial privacy. In which Wells Fargo bank has been discriminated against .. and those loyal bankers has been fired from Wells Fargo bank for telling the truth about the illegal activity that Wells Fargo bank has done to the consumers and customers. But I know that I would not be able to sleep at night knowing that I have taken advantage of those families that are struggling to provide for their families and loved ones.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Contacted you Experian National Consumer Assistants Center multiple times and asked them to investigate & remove the inaccurate accounts from my consumer report that you are illegally reporting. 

I have requested specifically the alleged ORIGINAL CARBON COPY application bearing my signature, EXPERIAN have not been able to provide such PROOF to me. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is a clear VIOLATION of my consumer rights under 15 U.S. Code 1666b A. Creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any reason. 

15 U.S.Code 1681 section 602 A. States I have the right to privacy. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these accounts are VIOLATION According to the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681a ( 2 ) a ( 1 ), except as provided in paragraph ( 3 ), the term " consumer report '' does not include reports containing information solely as to TRANSACTIONS. 

Therefore, I request that my TRANSACTION between XXXX XXXX and XXXX XXXX XXXX XXXX, be UPDATED to what is fair and equitable to me as a consumer, I request Accounts be UPDATED to, PAANL ( Paid As Agreed Never Late ) to my consumer report. 
TRANSACTION between XXXX XXXX XXXX XXXX XXXX XXXX be UPDATED to what is fair and equitable to me as a consumer, I request Accounts be UPDATED to, PAANL ( Paid As Agreed Never Late ) to my consumer report. 


INQUIRES : XXXX XXXX XXXX, is reporting inaccurate : XXXX XXXX, is reporting inaccurate 15 U.S Code 1681b -Permissible purpose of consumer report ( 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 WRITTEN INSTRUCTION of the consumer, to whom it relates. 


I NEVER gave XXXX XXXX XXXX XXXX  WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. 

NO CONSENT IS IDENTIFIED THEFT- I am a victim of identity theft 15 U.S. Code 1681c-2 A consumer reporting agency shall BLOCK the Reporting of any information in the file of consumer that identifies as information that resulted from an alleged identity theft, NOT LATER THAN 4 BUSINESS DAYS after the date of receipt FTC Report Number XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX obtained a new debit card for my new account with my bank XX/XX/XXXX - attached the card to CashApp and made 4 transactions. Then removed the card. 
XX/XX/XXXX - checked my bank account and theres 4 pending transaction 1 of which I did not do however it is listed identical to the other transactions. Stating XXXX no different from other transactions. 
The transaction is for {$400.00} with a pending authorization date of XX/XX/year> XXXX XXXX - I reach out to Cashapp which argues that because the transaction does not show in my CashApp transaction history theres nothing they can do to help. 
XX/XX/XXXX- I reach out to my bank. They state that CashApp is a 3rd party merchant they can not cancel the transaction only the merchant can cancel or alter it. If it does not process by the pending date it will just fall off and funds will be returned to my account. 

XX/XX/XXXX- the date on the authorization hold changed to XX/XX/XXXX XX/XX/XXXX- the date on the authorization hold changed to XX/XX/XXXX XXXX XXXX the date on the authorization hold changed to XX/XX/XXXX XXXX XXXX the date on the authorization hold now changed to XX/XX/XXXX XXXX XXXX I reached out to CashApp again explaining they are the merchant please tell me why are you holding this money in my account and CashApp continues to say because they do not see the transaction in my cashapp transaction history there's nothing they can do. 

XXXX XXXX My bank XXXX XXXX explained to me that a merchant is the only one that can control the request of funds to my account. The merchant should have record of their transactions to and from my individual account. The transaction says my CashApp information no different from previous transactions however it not showing on my Cashapp account history should warrant an investigation from CashApp regarding transaction to and from my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I paid in full an amount to XXXX XXXX XXXX XXXX XXXX {$180.00}. However TransUnion dinged me 2 points because they show the payment in full as an increase and not a final decrease. These companies need to be reigned in by someone for their misuse of the uncontrolled power we have given them.
Product: Student loan

When I started paying on the loan to  Navient and  was unable to pay the full amount because of going through a financial hardship, they didnt give me the option to have a lower payment. When they finally told me about it and my loan went into forbearance it accumulated so much interest making it even harder to pay off. So no w Im s tuck paying off interest
Product: Vehicle loan or lease

After making 16 payments to XXXX XXXX XXXX part of TD bank group I missed two payments due to a car accident I called and told them but they repossessed my car and wont work with me. They are very rude and unprofessional and wont help me out even though I a veteran and recovering from a car accident
Product: Money transfer, virtual currency, or money service

XXXX has failed to fulfill its legal obligation 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 XXXX, 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 XXXX has neither corrected nor removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed dispute with this company various times and all they have done was move late payment around I had one late payment there was an agreement to push the payment to the back of the loan due a hardship and they reported my account late. The lates are inconsistent on my credit reports. Each time I contacted them they said its nothing they could do. This lender is so bad Chrysler Capital/Santander they had a lawsuit against them having predatory lending to people who could barely afford the cars that were financed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. I'D REALLY APPRECIATE IT IF YOU UPDATE OR REMOVE THIS ACCOUNT FROM MY CREDIT REPORT : XXXX XXXX XXXX - Charge-off
Product: Student loan

For more than 10 years I was told by my servicer ( Navient / XXXX  ) that my loans did not qualify for income-based repayment options. That my only options were deferment, interest-only payments or income sensitive repayment. Only when I contacted the Department of Education directly after a third party student loan guarantor heard my information and directed me to them by passing trying to sell me their service because they knew what I was being told was fraudulent.