23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a Milestone credit card a few years ago to build my credit up. Once I had good credit, I requested to cancel this credit card over a year ago, but a few months ago I found out I was still being charged for it.I called to get confirmation of cancelation and asked for a a letter stating it was canceled. I also asked for them to reverse the reporting. They are still reporting incorrect information even though this card has not been used by me in over a year and has been closed. This company is falsely reporting information on my credit report. Please remove. They are not only reporting under XXXX XXXX XXXX but also under milestone. This is not right.
Product: Debt collection

This relates to complaint XXXX. After I filed the complaint, I got a letter from US Bank indicating that the account " was charged off due to delinquency on XX/XX/XXXX. '' The XXXX XXXX XXXX falsely represented in court pleadings that it was collecting on behalf of US Bank XXXX XXXX  when US Bank has already charged off the debt. 

The US Bank Letter went on to say that the " Platinum Visa Card account ... was ultimately included in the XX/XX/XXXX sale to XXXX XXXX XXXX, XXXX ( XXXX ). '' And admitted that " U.S. Bank no longer owns the rights to this account. '' Question : How can a bank claim a tax write-off one year, and then sell an asset that has already been written off the books the following tax year? That seems like fraudulent tax reporting, if not fraud itself. 

Is the sale of an unsecured debt legal AFTER the creditor ( in this case, U.S. Bank XXXX XXXX ) has ALREADY written off the debt for tax purposes? 

At any rate, XXXX XXXX of the XXXX XXXX XXXX ( XXXX, ND ) falsely represented to the court in legal pleadings that she was collecting on behalf of U.S. Bank XXXX XXXX, when US Bank XXXX, according to its XX/XX/XXXX letter, has no involvement in this debt collection whatsoever. That seems like both fraud and attorney misconduct, as well as a false representation in legal pleadings by XXXX XXXX and the XXXX XXXX XXXX. When I left a message with the XXXX XXXX XXXX about that fact yesterday, no one called me back. And when I tried to call them this morning, they disconnected the call before I could even speak a word ( likely because they saw who it was on their Caller ID ). But the XXXX XXXX XXXX is committing fraud on the court and making false representations in pleadings. 

And, they filed a false response to the CFPB, which violates 18 U.S.C. 1001. I read the company response. They didn't ask me for the last four digits of my social security number ; they demanded the ENTIRE SSN, as well as my date of birth ( neither of which I am required to give under the law, especially to a debt collector on a fishing expedition ). They lied, so don't take their word for it. Rather than rely on their response, subpoena their tapes of telephone calls ; they state that ALL of their calls are being recorded.
Product: Credit reporting or other personal consumer reports

Account name XXXX XXXX  XXXX Account number XXXX 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: Debt collection

Account Number XXXX XXXX Account Status COLLECTION Owner INDIVIDUAL Account Type OTHER Creditor Classification FINANCIAL Loan Type XXXX Original Creditor Name XXXX XXXX Months Reviewed XXXX Activity Designator - Terms Frequency - Term Duration - Purchased From - Sold To - Balance and Amounts Balance {$830.00} Credit Limit - High Credit {$830.00} Available Credit - Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity - Date of First Delinquency XX/XX/XXXX Comments and Contact CONSUMER DISPUTES THIS ACCOUNT INFORMATION COLLECTION ACCOUNT For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Product: Debt collection

I got XXXX letters stating that a debt collector was attempting to collect a debt. The letters were sent nearly XXXX months after the supposed debt was bought by XXXX XXXX XXXX XXXX I sent a debt validation for both letters requesting information to verify the debt and that it was owed to this company that has purchased the debt. I asked for information such as accounts, dates it was purchased and a bill of sale or receipt of the amount the debt collector paid for the original creditor of the debt. I asked that under the Fair Debt Collection Practices Act that nothing be reported to the XXXX major Credit Bureaus that could affect my XXXX XXXX until the information I asked for was received and that I have time to investigate the claims and verify the information. I only received copies of credit card statements, no receipts or bill of sale. I sent another XXXX letters stating that the information that I was legally allowed to ask for was not sent and asked that they send the information I requested under the FDCPA, and if they could not send the information to send a description of why the information could not be provided and instead of sending me any further communication and without sending the information I requested, they reported the amount, which WAS NOT VERIFIED, to the XXXX Credit Bureau, completely violating my right to the correct information under the Fair Debt Collection Practices Act. Ive only received XXXX letters from XXXX XXXX XXXX, disputed both, and did not receive any further response or verification. The amount reported for either account is not the correct amount reported to XXXX and it says the debt was disputed so its either XXXX of the XXXX accounts they sent debt collection letters for and provided the incorrect information to XXXX. So theyve provided false information on top of violating my rights under the FDCPA by not proving the information I requested before reporting it to a major credit bureau.
Product: Payday loan, title loan, or personal loan

SEQUIUM ASSET SOLUTIONS , LLC The phone and surveillance equipment was not working properly when purchased and credit was not applied as representative stated. The service were not activated when a crime against victim XXXX XXXX XXXX was committed on XX/XX/2022 a police report was done by XXXX XXXX XXXX and XXXX continued to bill me for services not used. XXXX called several times and reported she was not at residence XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and reported breaking and entering. 

The company had continued to send a bill after notice of entry of judgement and told the company not to contact me anymore that no bill was due. Phone and surveillance was my equipment from contractual agreement between parties. XXXX XXXX XXXX reported to Attorney General office of risk Management for fraudulent charges for service not used.
Product: Credit reporting or other personal consumer reports

Equifax review the attached credit report. 

XXXX XXXX account XXXX The open date, monthly payment, last reported, and date last active, and date of last payment are reporting three different dates which is an inaccuracy. Delete the account due to inaccuracy. 

XXXX XXXX  account XXXX The open date, monthly payment, last reported, and date last active, and date of last payment are reporting three different dates which is an inaccuracy. Delete the account due to inaccuracy. 

XXXX XXXX  account XXXX The open date, monthly payment, last reported, and date last active, and date of last payment are reporting three different dates which is an inaccuracy. Delete the account due to inaccuracy. 

XXXX XXXX XXXX account XXXX The open date, monthly payment, last reported, and date last active, and date of last payment are reporting three different dates which is an inaccuracy. Delete the account due to inaccuracy. 



15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 













15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate
Product: Credit reporting or other personal consumer reports

I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never given proper disclosures or the ability to opt out of my info being shared. I have not benefited from any of these transactions. I believe I am a victim of Identity theft. Please block, delete, and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case!
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXXXXXX Account number XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, 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 me! They did not investigate my claims adequately. They informed me that recovering lost funds was impossible and that the 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. This lack of accountability and transparency is unacceptable and raises serious concerns and consumer safety.
Product: Debt collection

Sometime last XXXX, I sent this company a validation request letter dated XXXX XXXX, 2017 (  please see attached copy of the letter ). To date, this company has not sent a valid/proper validation documents. I have disputed this item with the credit bureaus but both refuse to comply with the stipulations of the law. This is my last option before taking legal actions and involving a legal counsel.
Product: Debt collection

In order to collect debts on behalf of a third party, such as a creditor or other user of a consumer report, a person must comply with section 615 ( g ) of the Fair Credit Reporting Act ( FCRA ). The requirements do not apply when a person is collecting its own loans. When a person is notified that any information relating to a debt that it is attempting to collect may be fraudulent or may be the result of identity theft, the person must notify the third party of this fact. In addition, if the consumer, to whom the debt purportedly relates, requests information about the transaction, the person must provide all of the information the consumer would otherwise be entitled to if the consumer wished to dispute the debt under other provisions of law applicable to them.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>2024, I submitted a formal dispute to TransUnion regarding several inaccuracies on my credit report. Despite the XXXX timeframe allowed under the Fair Credit Reporting Act ( FCRA ), TransUnion has failed to resolve or correct the disputed inaccuracies, which remain on my report. 

The issues include : Incorrect or Outdated Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX Incorrect Employer : XXXX XXXX  Correct Information : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, IL XXXX Email : XXXX TransUnion has failed to comply with the requirements of Section 611 of the FCRA ( XXXX U.S.C. XXXX ), which mandates that all disputed information be investigated and corrected within XXXX days. I am now requesting the CFPBs assistance in ensuring that TransUnion complies with the law, corrects my credit file, and provides confirmation of these updates.
Product: Mortgage

I refinanced a property that is now used as rental investment. I communicated to the loan officer that I did NOT want any information sent to the rental address ( address of the loan property ) and to only send to my primary residence. Chase violated this request by sending documentation a couple times. The first instance was with the approval docs which I responded in writing to the loan officer reaffirming that I do not want any documentation sent to the rental address. Just before closing Chase sent the entire closing package that contained my PII as well as the amounts. Shortly after sending the closing package was sent to the address my tenant notified that they were stopping the lease then moved out at the end of the month. There is no way of knowing if closing information was a contributing factor in their decision to vacate. Also, I have no way of know what happened to the personal information that was sent ( Chase did not require any kind signature on the package that contained personal and sensitive information ). I notified Chase and requested they look into the matter. Their response was 'we apologize ' that this happened but we have determined there is 'no risk to you ' as a result of our disclosure.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Balance XXXX  Original creditor XXXX This account does not belong to me and has been listed in error. This account was previously removed from my credit report. It appears it has been sold and relisted.
Product: Credit reporting, credit repair services, or other personal consumer reports

RECENT AND STILL UNRESOLVED COMPLAINT/CLAIM NUMBER XXXX I received a call from XXXX XXXX, Executive Resolution Specialist, Wells Fargo Auto, Office of the President, XXXX XXXX, XXXX, TX, XXXX, phone, XXXX, fax, XXXX, on or about the time I filed the complaint, ( XXXX ). He promised he would work with me and subsequently sent me a fraud package which I have been waiting for for over ( 2 ) years since I first bought the matter of " Fraud '' and " Identiy Theft '' of my personal details back in XXXX. I received the fraud packet with a letter dated XX/XX/XXXX from Wells Fargo, Office of the President requesting I send my supporting documentation, including verification of my address at the time of the fraud etc., by XX/XX/XXXX, which I did via fax to XXXX. I sent ( 42 ) pages as I had done before in XXXX. I phone Wells Fargo Dealership Office of the President on XXXX on XX/XX/XXXX at XXXX to confirm safe receipt of my fax and spoke with XXXX who informed me the matter with your organization had in fact been closed and XXXX XXXX, was no longer handling the matter which in no way resembles the company 's response to my complaint with you, the CFPB. It clearly states the company Wells Fargo needs more time to look and research the matter but that is a lie and they have closed the case and XXXX confirmed there were no notes on the account of safe receipt of the ( 42 ) page fax I sent them on XX/XX/XXXX as XX/XX/XXXX was a XXXX. I have a confirmation the fax was sent and received. This is exactly what Wells Fargo has done in the past, the person I or my  attorney was dealing with suddenly is no longer working on the case which confirms why it's taken over ( 2 ) years to resolve. This is their MO and has been for some time, including the blatant lack of transparency and purposefully breaking US Consumer Law/s. They are not pursuing the matter and gave false information to the CFPB as to their motives and what they clearly stated in their letter to me on XX/XX/XXXX. They lied and have been misleading me for years and now your organization as well.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights, under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 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 reason.
Product: Checking or savings account

US Bank XXXX XXXX XXXX XXXX has denied me access to my savings account since XX/XX/2022 I deposited Unemployment checks and still have no access to my money after going in 3 times to branch to correct errors made when I opened this savings account. Its been 12 business days but I opened account XX/XX/2022 and today is XX/XX/2022 with no access to get my money out of this account. Please help me resolve this.
Product: Vehicle loan or lease

I have purchased a car when I stayed in XXXX  for which I took a loan from Hyundai Motor Finance Company. I moved from XXXX to XXXX recently. I needed to register my car with XXXX DMV. 
XXXX DMV needs the title of the car in order for them to register my car in XXXX. As per the process established by XXXX DMV, I sent a request to Hyundai Motor Finance Company in XX/XX/XXXX to send the title to the concerned XXXX  DMV office. Hyundai Motor Finance Company didn't act on my request in the reasonable time. When I followed up, they said they have submitted a request to internal title department which was rejected due to missing information at their end. They didn't tell me what was missing. They said they are requesting it again and asked me to follow up after 10 business days. When I followed up again, it was the same response. I have followed up multiple times and spoken to couple of supervisors. They keep on telling me the same reason and title has not yet been sent to XXXX  DMV as of XX/XX/XXXX. It has been over 8 months and my XXXX  registration has already expired. I am unable to drive to work. At this moment, I don't have much confidence that Hyundai Motor Finance Company is correctly processing my request and understanding the urgency of my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Wow! Just wow! You guys are making me sick with all this non sense youre doing on my credit file. I have gone so far in proving to you that I am a victim of identity theft to the point that I have already called the furnishers XXXX by XXXX and guess what? They have agreed to DELETE the accounts so why dont you delete them now? I dont believe that you there at Transunion have no time to tackle or review my complaints and Im sure you have seen my FTC report Ive sent. Dont you know you have instigated so much stress since youre still reporting this detrimental record on my credit file? You are damaging my credit file for this! I am a victim of identity theft and Transunion is neglecting my complaints by not complying with FCRA section 605B. Please DELETE these items for theyre not mine! I DONT OWN THEM! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to see inaccurate accounts on my credit report, and I cant understand why theyre there. I check my report regularly, but this time, unexpected discrepancies appeared without explanation. I even refreshed my browser, thinking it might be a glitch, but the inaccuracies stayed. Im deeply concerned and request a thorough review of the documents Ive provided so I can finally put this behind me.
Product: Debt collection

A debt under XXXX XXXX XXXX is showing in my credit report. I 've tried calling to find out what the debt is and they keep advising that the debt with them that I had has been paid and that no other debts for me are in their system. This continues to be on my credit report.
Product: Credit reporting or other personal consumer reports

A hard inquiry appeared on my credit report from Barclays on XX/XX/year>. I sent a letter by US mail saying I do not recognize the inquiry. I requested proof so I can find out where this inquiry came from on XX/XX/XXXX. I still have not received a response. There was another inquiry on XX/XX/XXXX, and I did authorize that inquiry but not the second one.
Product: Payday loan, title loan, or personal loan

I paid off a loan in XXXX of 2022 and Omni keeps harassing me about a delinquent account. I just XXXX from the XXXX in XXXX of this year and they started harassing shortly after. Ive already disputed with them on this site about the SCRA lawsuit and I feel like this is retaliation by adding a ridiculous amount to an account that was closed.
Product: Credit reporting or other personal consumer reports

ATTN : EXPERIAN TO WHOM : IT MAY CONCERN ACCORDANCE TO TITLE 15 6801 ( a ) ( b ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) PROTECTION OF NONPUBLIC PERSONAL INFORMATION ACCORDANCE TO TITLE 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE TRUST UNAUTHORIZED ACCOUNTS AND LATE PAYMENTSTHEY READ : 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 TO BE FURNISHED/REPORTING ON MY CONSUMER REPORT. I HAVE FILED A POLICE REPORT CASE XXXX XXXXXXXX AND IVE FILED An FTC REPORT UNDER OATH THAT FEDERAL NUMBER READS XXXX XXXXXXXX IT IS YOUR DUTY TO REPORT ACCURATE CLEAR AND PRECISE INFORMATION AND PROTECT THE CONSUMER PLEASE DELETE THIS IMMEDIATELY THANK YOU VERY MUCH IN THIS MATTERANDD IN THAT ORDER. THX IN ADVANCE GOOD SIRS/MAAM. 


SINCERELY, XXXX XXXX XXXX UCC 1-308