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

so I have problems with a few companies and what they are reporting on me the companies would be XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX, and XXXX XXXX XXXX.These companies are reporting false information to the data furnishers which results in my credit report being inaccurate and has a major affect on my score. I have spoken with XXXX and XXXX XXXX XXXX and ask them to update the information due to fraud with my identity I also have the case on file with the FTC and XXXX. It is a unknown bill in my name reporting collections from XXXX in the amount for {$1600.00} on my XXXX. XXXX XXXX XXXX is reporting a closed account in my name for the amount {$17000.00} They also are updating a balance on account that presumes as closed which is also in violation of my consumer rights according to the FCRA. As for XXXX XXXX XXXX  they are reporting a collections account in the amount of {$4800.00} due to the fact that I had my baby on XXXX XXXX and they are charging me for an unknown service that I have no knowledge of because XXXX XXXX XXXX XXXX XXXX They were asked do they take my insurance and the XXXX  that performed the XXXX ( XXXX XXXX XXXX, IL ) assured me that they accepted my insurance at the time which was XXXX XXXX XXXX and it would be billed to them now years later I am seeing a billed collection in my named due to misinformation on the health providers side. Also XXXX deleted it off of my account now XXXX and XXXX are showing inaccuracy because they will not delete it and the account was never verified by me I also spoke with them and the account is under dispute. And I also have an unauthorized hard inquiry from chase bank that shouldn't be on my file
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Wells Fargo Auto regarding continuous violations of my rights and the disregard of federal regulations.

Over the past year, I have made persistent attempts to opt-out of the reporting Wells Fargo Auto has been making to my consumer report, as per the guidelines outlined in 15 USC 1681b . Despite numerous attempts to rectify this situation and my explicit request to cease reporting, the company has persisted in reporting information without my written consent, which stands in direct violation of consumer protection laws.

Moreover, Wells Fargo Auto has failed to disclose my right to opt-out of reporting, which is a clear violation of 15 USC 6801 and 16 CFR 313.7. These regulations explicitly dictate that consumers possess the right to opt-out of certain disclosures and that companies are obligated to honor these requests, a responsibility Wells Fargo Auto has neglected.

I have sent formal notices explicitly exercising my right to opt-out, complying with the aforementioned regulations, yet Wells Fargo Auto has blatantly disregarded these notices and continued to report information without my consent.

Additionally, I sent a legal tender as settlement payment for the outstanding account, adhering to legal regulations and my duty to settle the account. However, despite this action, Wells Fargo Auto continues to request further payment, ignoring my attempt to settle the account in accordance with the law.

I am distressed by the continued disregard of my rights and the violation of multiple federal regulations by Wells Fargo Auto. These actions have caused significant distress and injury to my financial well-being and personal situation.

As per the aforementioned laws, I am seeking immediate rectification of the negative remarks on my account, adjustment of reporting to accurately reflect my payment history, and adherence to the opt-out request made multiple times. I request an investigation into Wells Fargo Auto 's conduct, compliance with federal regulations, and remedies to rectify the damage caused by these continuous violations.

I am looking forward to your prompt attention to this matter and a resolution that ensures compliance with federal regulations and the protection of consumer rights.
Product: Credit reporting or other personal consumer reports

Experian failed to investigate potential harmful inquiries and reports on my credit. XX/XX/year> resulting in inaccuracies to continue be included in my credit report.
Product: Debt collection

I don't recall having a contractual relationship with Conrad Credit Corporation Account XXXX XXXX.
Product: Credit reporting

I have been associated with a XXXX XXXX who lived or lives in XXXX XXXX, Michigan for years and believe it has had a negative impact on my report. Also some birthdate saying I was born in XX/XX/XXXX. I would like an explanation for this and what it is this person in XXXX XXXX is doing on my credit report, and would like it removed.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of the CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering the lost funds was impossible and tracking these transactions was not feasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX remove all inquiries pursuant to 15 usc 1681 immediately All charged off accounts are non collectable this is Violating The Privacy Act of 1974 someone illegally sold my information to a 3rd party company. 
Collection Agency XXXX XXXX Balance Date XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Account Number xxxxx XXXX Original Amount Owed {$120.00} XXXX XXXX XXXX XXXX {$120.00} Last Payment Date Status Date XX/XX/XXXX Date of First Delinquency
Product: Credit reporting or other personal consumer reports

The Credit bereaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active, and date last reported is not accurate. This ground for removal. They also violated my right under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 90 days I have been challenging the accuracy of the information provided by TransUnion with regard to my legal name change from XXXX XXXX XXXX ( adopted name ) to XXXX XXXX XXXX ( birth name ) I have provided them with numerous copies of the court order. Beyond this, we asked them to correct inaccuracies with their customer XXXX XXXX  with regard to our payment history and the status of our account. We were never late on any payments and it was included in our chapter XXXX bankruptcy but they refuse to make any changes. I have disputed this will all the major reporting companies but at this point we are at an impasse and I find it necessary to reach out to you and ask you for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I cant remember the dates exactly but i disputed, sent letters 3 different times this year about removing unauthorized inquiries to XXXX, Experian, and XXXX. The inquires were Auto Financing companies.and other companies XXXX XXXXXXXX auto financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX
Product: Debt collection

To Whom It May Concern, On XX/XX/19 I received a letter from XXXX XXXX XXXX, a collection agency in XXXX, FL, on behalf of Toytoa Motor Credit. The notice was for a balance for {$980.00} for an unknown to me at the time services/fee/charge. I reached out to XXXX on XX/XX/19 to validate the debt and make the necessary arrangements to have this taken care of. I found out that this was the deductible balance owed on a leased vehicle through Toyota to which I was a co-signer for a XXXX XXXX as the primary account holder. XXXX and I do not live together, nor communicate so at the time I had no idea this balance was even owed. I never once received a call or letter from Toyota stating that the balance was due and if not paid the account would be forwarded to collections and listed as a charge-off on my credit report. Had it been made aware of the debt I would have seen to it that it was taken care of by XXXX and/or paid the balance off myself to protect my credit. 

On Saturday XX/XX/19 late evening I received a notification that Toyota had listed the account to the credit bureau as a charge off / collections account negatively impacting my credit score. I called XXXX on XX/XX/19 to find out what as going on and they indicated that this was coming directly from Toyota. After calling Toyota to dispute this listing the CSR was not helpful, quite rude, and I got nowhere. The line I was told over and over again was " we are contractually obligated not to speak to you about this account ''. Even though they are the ones who are reporting this to the credit bureau. I'm writing to you today in hopes that this will create some buzz and ultimately get Toyota to remove this from my credit report as the debt was never validated and now they are screwing up my score. 

I would like to make it very clear that XXXX XXXX has been great to work with. My issue is only with Toyota Motor Credit Corp! 

Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct : # XXXX XXXX XXXX XXXX XXXX Acct # XXXX
Product: Credit card

I receive e-mails advertising credit cards from spearphishers. Sender is called MilestoneCard Administration. Their e-mail is XXXX. Their ip is XXXX There are always attachments which I avoid. I forward them to the XXXX XXXX XXXX at XXXX XXXX
Product: Credit reporting or other personal consumer reports

I went over my credit report a few months back in XXXX and noticed a fraudulent account on my credit profile that is unfamiliar to me. I know nothing about this account and never given consent or authorization for this account. I called the original creditor and they could not verify the account nor send documentation validating this account or that I own this account.
Product: Debt collection

XXXX XXXX court issued me a traffic citation. Amount due was {$72.00}. Debt collection was handed over to a collection agency ( Harris & Harris : XXXX ). Collection agency has tacked on additional {$30.00} worth of penalty and interest. Court ( customer service ) confirmed that the court only recieves the original amount ( {$72.00} ) and they have no visibility or control on what the collection  agency will charge. 

There is lack of transparency on what specific penalty and interest rates this private collection agency can charge, and lack of rules that govern this. Who decides how much fees and interest they can charge? What if they decide to charge a XXXX dollars? I am under no contract with the collection agency and the court is only aware of the original amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I deferred my payment for my student loan and they were still charging me during my time of deferment. So on my credit its showing that I have multiple late payments because they claim when I deferred my payments I was not specific on which account. I make one payment monthly for all my loans why would I have to specify which account I was deferring.
Product: Debt collection

XX/XX/XXXX received letter from apartment complex stating debt owed and deposit not returned without warrant. Apartment complex owed me money. Responded with certified mail letter immediately. No response. Followed up with another letter two weeks later, still no response. 18 months later received call from a collection agency. Spoke to them about the issue, but no follow up response until XX/XX/XXXX with a letter. Responded with letter and copies of letters previously sent. Received a letter XX/XX/XXXX still trying to collect the debt, but not acknowledging the apartment complex actually owes me money and are not truthful about their " evidence '', stating pet urine stains on carpet. I did not own a pet nor have a pet in the apartment at anytime.
Product: Credit reporting or other personal consumer reports

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 report under 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. I am trying to by my dream home and realized I have damages on my report. Total defamation to my character. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Checking or savings account

I had a dispute and they said 90 days and I asked for a provisional credit and they refused. I dont have 90 days to wait. I had even asked if they could just reverse the transaction and they wont. I have a feeling they are taking me for a ride. They claim they cant do anything to help me and I happen to know that is not true from having another account that Im getting my future deposits going to.
Product: Student loan

The repayment options offered by Navient that are for those who ca n't afford standard payments do not factor in all life expenses. I am married, both my wife and I have high student debt consolidated through Navient. We have XXXX children, XXXX in XXXX school, XXXX in day care. We both work full time, have a townhouse, XXXX cars for traveling to work and transporting the kids, and have multiple household expenses. When applying for different repayment options through Navient they sometimes cost more then the standard or close to it because Navient does not account for all the other expenses that we have as a family as well.
Product: Checking or savings account

I XXXX XXXX had a joint account with my XXXX XXXXXXXX XXXX on XXXX the XXXX XXXX  my account was frozen the XXXX in it was {$8100.00} she had a judgment with her against XXXX XXXX and XXXX I put in a intervene in and went to court on XXXX the XXXX I won the judgment when I won the judgment I let Wells Fargo know that I won and everything After I let them know I won they close my account and they would not talk to me they have not yet sent me my money or let me know where my funds are and when I will receive my money I won the judgment and that's what the judge said I would receive all of my money back and Wells Fargo has yet to give me any of my money or access or even when I will get it.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX, XXXX. ) ( to XXXX XXXX  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 XXXXwas untair and Veceptive, as they did nor '' comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

requested validation of this debt, it was in a minors name my grand daughter which is not my child, which is a violations of the HIPPA regulations. she has insurance with XXXX XXXX XXXX XXXX, and it shouldn't be on my report her mother name is different from minds just have the same address. The debt is with XXXX, XXXX XXXX XXXX is showing to on my request and I want them deleted.
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 Account NumberXXXX Account Name : XXXX  XXXX  Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name XXXX XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXXXXXX XXXX Account Number: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: Debt collection

I received a debt collections notification XXXX from Penn Credit Corp. for an electrical service charge dated XXXX for a total of {$430.00} from XXXX XXXX in XXXX Texas. Billing Invoice # XXXX was made to XXXX XXXX giving an acct. number of XXXX XXXX ( Residential ). Address noted is XXXX XXXX XXXX XXXX # XXXX XXXX, Texas. First of all my name is mispelled. Correct spelling of first name is XXXX. Secondly, I have never lived or resided in Texas, nor any family member. I have never had any business association with XXXX XXXX, past or present. 

It was recommended by a XXXX Representative by the name of " XXXX '' that I file an identity theft report with our local police and also with you. 

I filed the police report with the XXXX XXXX XXXX XXXX XXXX XXXX yesterday, XXXX XXXX. Complaint # XXXX with XXXX XXXX XXXX # XXXX. I will not be able to obtain a written report of the claim until XXXX XXXX. They have copies of the original documents. 

The officer recommended that I obtain a credit report and review for any other potential fraudulent charges made in my name. I am in the process of following his instructions. 

I will have to go outside my residence in order to have documents scanned in order to attach to this complaint, if necessary.
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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/2022 Amount : XXXX Creditor is XXXX Citi Bank N A This Company Has Not Written Consent From Me. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent.

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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights of privacy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX # XXXX. XXXX XXXX XXXX XXXX Acct # XXXX XXXX ) XXXX XXXX XXXX XXXX. 

15 U.S.C. 1681 Section 602 A. States I have a 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 reporting 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.