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. List all accounts : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, "
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to a Data Breach or Fraud, as indicated in the references below : FCRA Section 605B and FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 605B and Section 604. I have previously contacted the relevant companies and have determined that these actions were undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated. 
Listed below are the Accounts that are being challenged XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX XXXX XXXX of XXXX stated that PNC sent my account as verified. I asked XXXX what was done to verify my account. I asked for documents stating XXXX of this title mailed or delivered to consumer not later than 21 days before the payment due date. I asked did PNC BANK provide me with tracking numbers of the periodic statements that was mailed or delivered 21 days before my payment due date. XXXX supervisor XXXX could not verify if the documents were sent. 
I also have information from credit acceptance numbers given to me by an agent of credit acceptance XXXX
Product: Vehicle loan or lease

Santander has illegally and effectively excluded myself and countless others from the multistate XXXX XXXX dollar settlement. I know this because there is a whole XXXX group concerning, and based on the filings, the information in the settlement administrators website I should have been included. They never submitted a proof of income to Santander to be sure I could afford the car loan. Which I could not making XXXX dollars an hour working XXXX hours a week. Since XXXX didnt take my check stubs of which I tried to provide, I am eligible. XXXX also coerced me into agreeing to its ancillary products that didnt cover what it should have. I know I had an internal score and I know the loan was in default at the end of XXXX. I have been complaining about Santander since XXXX when I realized they were applying my payments incorrectly. There was a time I was told I could put two months to the back of the loan ONE TIME and I did since the car was in repossession status, but since they knew they were under fire they allowed customers to put two payments to the back of the loan numerous times, failing to inform me that I would be paying interest in the same amount twice, and also that this two months to the back of the loan adds extra money to the principal. When I heard about the settlement I called and tried to enact the arbitration clause, they refused. I then sent a letter of compromise that read I would pay the value of the car at that time just to be done with them in lieu of the settlement. They also refused. Since that time they have reopened the account closed in XXXX eight times, they report late or missed payments, then close it again even though they know that I have told them Im not paying them anymore money due to the settlement. They consistently and illegally report lies to all four credit reporting bureaus to effectively drop my credit score. It never fails. I have reached out to them regarding and provided proof of the consent agreement filed with the courts concerning. They try and repossess the car at all times during the night even though I rightfully own it. I have paid XXXX in interest on a XXXX XXXX from XX/XX/XXXX to XXXX of XXXX. None of my payments went to the principal amount due to their scheme. There were times I couldnt afford to feed my kids from trying to pay for a car that they just kept adding all these fees to the amount already owed.
Product: Debt collection

I, consumer, entered a consumer credit transaction on XX/XX/2021 with Caliber Home Loans / Mortgage Connect, LP. A consumer credit transaction in which a finance charge was involved. 15 U.S. Code 1605 defines a finance charge to be the sum of all charges and include insurance, but Mortgage Connect, LP made me purchase insurance separately. Furthermore, Caliber Home Loans, did not disclose all that was supposed to be disclosed to me during the consumer credit transaction including my right of rescission pursuant to 15 U.S. Code 1635 which states When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Furthermore, pursuant to 15 U.S. Code 1635 ( b ) : within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Attached below, my rescission notice dated XX/XX/2021. 

It has been 30 days, no title of deeds has been received and no communication other than debt collection calls at all times of the day which are direct violations of 15 USC 1692d ( 5 ) and crime pursuant to 15 USC 1611. Attached are proof of calls and voicemails.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent XXXX XXXX to my bank account in XXXX on Wise.com. Wise informed me the transfer would take 3-5 business days. On XX/XX/XXXX Wise website informed my money had arrived, but I couldn't see it in my XXXX  XXXX  account. After asking, Wise told me I needed to send proof of wealth, to share with the intermediate XXXX XXXX they use ( Wise did not inform me about an intermediate party before ). I then sent Wise my 2023 tax return and my 2023 W2 form, which show more than enough funds to cover the amount of the transaction. 

Then 5 days later I get the following nonsensical message from Wise : " The property must be listed on the tax declaration. If not, we need to understand why. You also need to send the property registry document ( the document should have been issued within the last 30 days ) with your recipients name on it ''. I have no idea what they mean with this, as it's a transfer of cash from my bank account in the US to my bank account in XXXX. There is no property involved! 

I then call Wise call center and talked to an attendant. She seemed to be helpful, acknowledged that she also did not have any clue about the last message and said next morning Wise would solve it. She asked me to also upload my payslips, which I did. Next morning nothing happens and I call Wise again. A completely incompetent attendant told me that only now that I had send a proof of wealth ( the payslips ), they could send it to their partner and it would take 5 business days for them to evaluate it. I asked the case to be escalated, as I told him I had send proof of wealth ( tax return+W2 ) more than 6 days ago. He then hang up the call on my face. I tried calling several other times, but they were always unhelpful ; in one time the attendant was screaming she couldn't talk to me because of a noise in her house! Wise refuses to escalate my case and complete my transaction. My family in XXXX is in desperate need of the money that Wise is illegally withholding
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, I received an email notice stating a bonus of {$590.00} will be received when a personal loan of {$5000.00} or more is taken out. I applied on XX/XX/2022 and was subsequently approved on XX/XX/2022 for the {$5000.00} personal loan. On XX/XX/2022, a chat ticket was opened to confirm the {$590.00} would be paid out as described in the email marketing. On XX/XX/2022, a message was sent saying the bonus would not be paid as SoFi has determined I was not eligible. The instructions were followed and the loan was funded, yet I was somehow not eligible des
pite receiving the marketing email.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

FTC IDENTITY THEFT Report XXXX This CFPB complaint has been filed to request pursuant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  you, XXXX XXXX XXXX XXXX XXXX Equifax Consumer Reporting Agency , and XXXX XXXX XXXX XXXX XXXX block information appearing on my consumer report that is result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account established at XXXX XXXX XXXX  on XXXX under account number XXXX, auto loan account account opened at XXXX XXXX XXXX on XXXX under account number XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. 

The aforementioned accounts, collections, and hard inquires appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 

All of the aforementioned accounts, collections, and hard inquiries are the result of identify theft and as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Midland credit keeps contacting me about an account I have no knowledge of I told them to send me the original contract with my signature. Never received it
Product: Debt collection

I trust this letter finds you well. I am writing to bring to your attention a critical matter regarding my credit report obtained from your bureau. Upon reviewing the report, I discovered fraudulent accounts, particularly XXXX XXXX  XXXX, inaccurately associated with my name and Social Security number. I believe I am a victim of identity theft, and I am taking immediate action to address this issue.
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 investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. 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.
Product: Credit reporting, credit repair services, 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. 


XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX  XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX ; XXXXXXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX  XXXX ; XXXX  XXXX XXXX via 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 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: Credit reporting or other personal consumer reports

I believe that I may have been part of a breach or someone is using my information this Account from XXXX XXXX XXXX account number XXXX Date XX/XX/23 does not belong to me Ive never had any business with this company
Product: Debt collection

The previous person that had this phone number is the one they are trying to reach. We have had this phone number for 8 years and they are still trying to collect from him. Is there some way we can stop these phone calls. We have an answering machine that picks up and our tv has give us this phone number and the caller phone number XXXX. They call two and three times a day every day of the week even on Sundays.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I have what I believe is a very simple problem XXXX  shows all my accounts but transunion and XXXX   do not show. I will show you current screen shot of XXXX. Hope this  can be resolved asap
Product: Credit reporting or other personal consumer reports

Hello Today is XX/XX/23 and this IS NOT A DUPLICATE. This is a complaint regarding Apple Card and their reporting on my XXXX credit report as there is yet another inaccurate reporting that has cause me hardship. I submitted a complaint before to no avail and now I am asking the CFPB to step and and hold GS-Apple Card accountable for their failure to accurately report information on a consumers report per 15 USC 1681a . This is the second time my score has decreased by more than 70 points. This is not only causing me stress but the inaccuracies are affecting my dealings in commerce. Lastly its my understanding that GS Apple Card has an arbitration agreement and that agreement was not followed during the closing of the accounts. Lastly I XXXX XXXX am technically an investor with Apple Card as I am that my application, transactions, and other deposits of this account was being utilized with benefit to me the beneficiary XXXX XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I'm looking to gather information from XXXX XXXX that listed an account in collections to my personal report as a co-signer from a business credit card account that was opened. I've requested info from XXXX XXXX which they've declined to provide and/or gave me excuses why they can't open a new account with no details.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX, XXXX. XXXX XXXX OPENED XX/XX/XXXX BALANCE : {$1100.00}. Please correct this immediately. 

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report XXXX XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {$0.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX BALANCE : {$0.00}. Please update.
Product: Checking or savings account

On XX/XX/XXXX, I opened an online savings account with Citi. On XX/XX/XXXX, when I attempted to contact Citi to obtain an identification code to be able to access my account, I was told that a code could not be provided for 14 days. It is an unfair, deceptive and abusive practice to permit a person to open a savings account, receive funds from the applicant, but then not permit an applicant to have access to those funds for 14 days. It also seems to constructively be a violation of the Expedited Funds Availability Act. Even though the institution may state that funds are available in the account, if the institution, Citi, has an internal practice that constructively prohibits access to those funds for a time period in excess of the time period permitted by Regulation CC, that would seem to be a violation of law.
Product: Credit card or prepaid card

My capital one account was restricted as of XX/XX/XXXX. After being on the phone with capital one on XX/XX/XXXX, I was informed my credit card account was closed because they would not accept my payments from certain reputable and popular bank accounts, and was giving the reason of insufficient funds. They would only accept it from two specific accounts. I have tried to put over {$500.00} on my account to meet payments, after making payment on the app it registers as going through only for it to return a few days later. I did not receive an email, no notification in the app, not even a letter mail stating my account would be closed. They told me that my account was closed over a week ago and mail was sent out, to which I did not receive. Now they are saying I owe the money that Ive been trying to pay off, while already closing my account and telling me theres nothing that they can do, and wont even help me.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX, Account number XXXX. XXXX XXXX XXXX Account numbers, XXXX. XXXX XXXX XXXX Account number, XXXX. XXXX XXXX XXXX XXXX Account Number, XXXX, has violated my rights. 
15 U.S.C 1681 Section 602A. States i have the right to privacy.

15 U.S.C 1681 Section 604A. Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c ( a ) ( 5 ) Section states No consumer reporting agency may make any consumer report containing any of the following items of info, Any other adverse item of info, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any info 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: Vehicle loan or lease

Requested Information from Superior Auto / SAC Finance on XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. Requested information regarding payments & contracts. Filed POA Revocation With The State & Dropped Off Notice To Manager On Duty XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as I was requesting services from his company. 
Sent Notice To Ohio Attorney General XXXX XXXX XXXX XXXX XXXX 
FTC VIOLATION : 15 US CODE 1605a FTC VIOLATION : 604 15 USC 1681B FTC VIOLATION : 15 USC CODE 1681S-2 FTC VIOLATION : 15 USC 1666b FTC VIOLATION : 15 USC 1692g 3.15 USC 45. 4.15 USC 45 ( a ). 5.12 USC 1818 ( b ) ( 1 ), ( e ) ( 1 ), and ( i ) ( 2 ). See letter from XXXX XXXX XXXX to the XXXX XXXX ( XX/XX/XXXX ) and Unfair or Deceptive Acts or Practices : Applicability of the Federal Trade Commission Act, FIL 57-2002 ( XX/XX/XXXX ). 6.15 USC 45 ( a ) ( 2 ) and XXXX XXXX, section 133, published in notes to 15 USC 41. 7.See FTC Policy Statement on Unfairness ( XX/XX/XXXX ) and FTC Policy Statement on Deception ( XX/XX/XXXX ). 8.This standard was first issued as a policy by the FTC and later codified into the FTC Act as 15 USC 45 ( n ) the Equal Credit Opportunity Act, the Gramm-Leach-Bliley Act, and the Fair and Accurate Credit Transactions Act