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

I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
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 or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are ignoring my numerous requests to investigate, verify and remove accounts from my credit report that do not belong to me.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting and XXXX  account # 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 XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A states i have the right to privacy 15 U, S, C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : 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.
Product: Payday loan, title loan, or personal loan

I believe Ascend Loans and XXXX are using misleading loan offers to unwittingly ensnare customers into predatory loans
Product: Payday loan, title loan, personal loan, or advance loan

Request for 1099-C Cancellation of Debt and Removal of Account I am writing to formally request the issuance of IRS Form 1099-C for the cancellation of debt related to my account with Uplift/Cetlic Bank. Additionally, I am requesting the immediate removal of this account from my records. Listed below are the alleged accounts in question : To ensure full compliance with applicable laws and for the purposes of verification, I am also requesting the following : 1. Information on who the alleged debt was sold to, including details of the sale to XXXX XXXX. 
2. Copies of all documents related to the origination of the alleged debt.

3. A detailed account history that includes all transactions, fees, interest rates, and any other relevant information.

4. Confirmation that the alleged debt information reported to credit reporting agencies is accurate and complete.

5. A statement of the account reflecting all charges, payments, credits, and the outstanding balance.

6. Issuance of IRS Form 1099-C if any portion of the debt has been canceled.

Furthermore, it has come to my attention that UpliftXXXX XXXX  has reported the sale of the debt to XXXX XXXX XXXX This action constitutes a violation of federal regulations, and I am requesting immediate removal of the record of sale. 
Please note that it is illegal to report earned income from the canceled debt if it has been charged off and reported as such on my credit report. If Uplift/XXXX XXXX has already written off the debt as a loss, it can not simultaneously report it as a charged-off debt on my credit report and claim it as earned income. This constitutes a violation of federal regulations and consumer protection laws. 
This request is being made in accordance with the Fair Credit Billing Act ( 15 U.S.C. 1666b ) and the Truth in Lending Act ( 15 U.S.C. 1602a and 1602p ). As such, I expect a timely and legally compliant response within the period specified by these laws.

Failure to provide the requested information and documentation within the mandated time frame will be considered a violation of my rights under federal law. 
I look forward to your prompt attention to this matter and a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected and harmed by the data breach and discovered misuse of my information.I am now maliciously harmed and damaged by the misconduct & negligence of this agency to whom I hadnt given written approval to sell, collect and or distribute my information- in the first place.Equifaxs negligence led to a security breach exposing my personal identifying information to the dark web and to my identity being compromised and stolen.Equifax offered to help with identity restoration, from the same security site that was breach no thank you and if I were to accept I have not heard anything from them.I would like them to be held at the highest penalty possible.They could care less about the people.They are thieves.I will never be able to fix my identity.
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 was unfeasible. The CFPB 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

I did get behind on finances due to having XXXX which put me out of work long term then led to my company closing due to Covid. At same time my wife filed for divorce and my whole world came to a crash. 

Now. Back on my feet. I reviewed my credit report. Some items left by my ex. Some did get behind due to no income coming in. 

Now. I am working two jobs and trying to rebuild my life and my credit in order to buy a home. Thankful my storm is over. 

I contacted each and every account on my XXXX credit report. Disputing and then redisputong items. Multiple times and still not being reported correctly. Recently. I paid in settlement XXXX outstanding accounts. All verifiable. And confirmed. Ive reported these payments. Its reviewed. Then I get a motive dispute is complete and its still listed as potentially negative or paid in settlement. But still says. Potentially negative or collection.

Only if you look at small print it

may say paid in settlement. Then remains. Collection or paid in settlement. Its like they update 1 part but not others that show creditors negative. I am back on mr feet and earn XXXX per year. And a secure future ahead but am held back by inaccurate listing on all 3 bureaus. Can you help expedite this process as Im trying everything.
Product: Vehicle loan or lease

I bought a brand new XXXX in XX/XX/XXXX ( XXXX XXXX  ), wells Fargo financed the loan. I called for the payoff amount and my next car statement they charged me {$5.00} for the call. I didn't put in a complaint because I was afraid they would charge me for the complaint. The car is now paid off, but I'll never finance another car with Wells Fargo, they can take the {$5.00} bucks and shove it up their XXXX XXXX 

It feels good to finally get that off chest. Wells Fargo XXXX! 

Sincerely, A former Wells Fargo customer
Product: Debt collection

I called this midland credit to pay off my accounts. The manager refused to give me his real named and said his business name was XXXX. He refused to send me a letter stating that he would remove these accounts from my credit report and claimed he could only verbally say it over the phone. I stated several times that I would pay him in full once I received the letter but he refused every single time. He threatened to take legal action and I told him I wasnt afraid to see him in court and explain to the judge that I tried to pay several times and he refused to send me a letter. After several minutes of threats for legal action, I asked him to please send me the letter so I had proof or to stop calling me. He once again refused the letter. He again refused his real name and said his business name was XXXX. I want to pay and he made it very difficult. I do not understand why they wouldnt want to work this out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo was charging fees that i disputed and if reversed would have settle my account. Instead, they reported me to the credit bureau while accounts were in dispute and refuse to correct that information. I am asking that the adverse reporting be removed from my credit reports. They have since refunded the amounts in dispute but that alone has not been accepted by the credit bureau. When i dispute the reporting and submit the checksa nd documentation supporting the dispute I am directed back to Wells Fargo for correction.
Product: Debt collection

TransWorld Sys Inc, neglected to provide me with verification of account information. When ask representative to provide me the account number with several attempts to settle debt ; if debt is accurate, caller disconnected call by hanging up. I requested the company to provide verification of debt information, and my request was declined by stating, We don't have to provide you with any details, you need to pay your debt. I have made several attempts with this company and to no avail has receive any appropriate responses to verify debt and attempt to settle. Only responses im receiving is TransWorld updatibg information on all three bureaus reporting agencies continuously.
Product: Money transfer, virtual currency, or money service

I have been severely financially impacted as a result of Coinbase refusing to return the {$30000.00} XXXX tokens to me. On several occasions I have shared my frustration with Coinbase customer service only to be denied my request for a refund. They convey XXXX empathy or compassion for my situation for such a large organization. Coinbase has the ability to return the {$30000.00} which is currently sitting in XXXX. I've even offered to pay a fee for the return only to be once again denied.I am very disappointed in Coinbase 's response to the inquiry which will only discourage other customers from conducting business with them including myself. Unfortunately, I'm not the only victim for a case like this as many other people have experienced the same problem with XXXX resolution from Coinbase. It breaks my XXXX that I don't have this money as it was going to be used for a downpayment on a house for my family. Now we're stuck in this tiny apartment until we can build up enough funds to purchase a home. Please help me as we have all suffered from this misfortune from Coinbase.
Product: Debt collection

On or around XX/XX/XXXX I recieved a letter from an Attorney ( whom I do not know ) telling me that he, upon reviewing a hearing docket for Magisterial District XXXX ( XXXX XXXX, Pa. ), discovered that LVNV Funding ( a debt buyer ) had filed a debt collection action against me XXXX. There was no direct communication from the debt buyer,. Had it not been for this attorney I would not have known about this action. I sent the debt Buyer a " Letter of Discovery '' asking for the origin of the debt, original date, last payment etc. It was sent certified mail XX/XX/XXXX ( and recieved by the company ) .There has been no reply. The hearing was set before a XXXX in XXXX XXXX on XX/XX/2021. This is over 300 miles from where I live and could not make it to such a hearing. I also have reason to believe this debt ( which I have no record of and could not find on any website or Credit Report ) is an old debt and now covered by the Statute of Limitations. The Credit Buyer has seemed to have been acting in a completely underhanded manner about the entire affair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputes the incorrect information with transunion on multiple occasion and transunion refused to investigates.
Transunion always replied to me that " dispute not specific ''.
I am sure that Transunion did not even investigate and now I demand they deleted those information on my credit report. The following were disputed and with certainty that Transunion did not disputed them I want transunion to deleted the following account according to FCRA statue.
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX.
XXXX XXXX
Product: Credit card or prepaid card

I am a XXXX year old single mom and I have XXXX XXXX. I fell behind on a few of my credit cards, all with Chase bank. I have three accounts with them. XXXX, Freedom, and Amazon credit cards. They finally 0put me into zero interest, bu only after I researched it ( they did not offer it to me ) and then gave me conflicting dates on when the payments were due -- told me a payment was not due when it was, and now I am so far behind I can never catch up. 

They simply doubled the payment due. The website portal also shows a different amount due than what they tell me to pay -- so that adds to confusion. One payment on one card alone is almost {$700.00}. 

At this point I owe Chase about {$25000.00} -- most of which is interest since they put me into " penalty pricing '' -- a higher interest rate. I explained that I am working part time due to my XXXX diagnoses -- to please stop billing me -- to close the accounts -- and I can pay them a lump sum of 30 percent in XXXX to settle all debts. I get paid out of the XXXX I XXXX and I have a lump sum payment which totals {$3500.00} and then my income tax return should mirror last years which totals about {$4000.00}. They refused to settle the debt for less than 90 percent of what is owed. Please assist me. I don't want to commits bankruptcy. Thirty percent of the current debt is {$7500.00}. Tacking on interest to someone that already can not afford to pay is a play right out of an organized crime playbook.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ).

This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : My academic records and personally identifiable information ( PII ).

My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying XXXX, XXXX XXXX and XXXX monitoring services every month. These services will not update my balances or credit scores. I have called all three bureausXXXX XXXX, XXXX and Equifax on several different occasions. I have filed complaints with all of them and spoken with supervisors. I have elevated the calls. They need to update the accounts and credit scores. The three bureaus all say the same thing that they will update but never do. Two months ago, XXXX said they had a problem with their system and it has now been fixed. All the bureaus updating accounts and credit scores need to happen ASAP since I have been waiting for so long. They are holding me back as a consumer. For example, I am trying to refinance my mortgage but can't without incurring large refinance fees because of my current credit score. If XXXX XXXX and Equifax would update my accounts and credit scores then I would be able to refinance and be able to control my debt better since I have the only income as a XXXX. This is holding me back as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FILED SEVERAL CFPB COMPLAINTS CONCERNING EXPERIAN VIOLATING MY CONSUMER RIGHTS AND THE FCRA. CFPB COMPLAINTS XXXX AND XXXX. I ADVISED EXPERIAN OF SEVERAL FCRA VIOLATIONS AND THEY REFUSED TO DELETE THE TWO ACCOUNTS. I ALSO FILED DISPUTES WITH XXXX AND XXXX CONCERNING THE SAME ACCOUNTS AND XXXX AND XXXX DELETED BOTH ACCOUNTS. 
Experian is in violation of 12 U.S.C. 5534 ( b ) ( c ) ( 1 ) because they did not adequately respond to my CFPB portal complaints. Experian clearly violated the FCRA and has failed to respond to my demand of monetary relief due to their violation of the FCRA. I ask that the CFPB enforce the FCRA and make Experian grant my original demand for monetary relief. I make this demand in accordance with 15 U.S. Code 1681n - Civil liability for willful noncompliance and for violation of Regulation V. These violations constitute a violation of The Consumer Protection Act. 

Experian has violated the FCRA Section 607 ( b ) and 15 U.S. Code 1681e ( b ) by failure to use reasonable procedures to ensure maximum accuracy. Pursuant 15 U.S.C. 1681e ( b ) requires EXPERIAN MUST USE " reasonable procedures '' to assure the " maximum possible accuracy '' of information. Experian has knowingly, willfully, and negligently violated my consumer rights and the FCRA. Experian is guilty of complete negligence and failure to adhere to FCRA mandated dispute procedures. Experian is also in violation of a CFPB Supervisory Order. Experian is also violating my right to privacy Pursuant to the FCRA 15 U.S. Code 1681, 602 ( a ). Experian has also violated my rights Pursuant 15 to U.S. Code 1681, 604 ( a ) ( 2 ) states that a CRA can not publish or furnish an account without my written permission. Pursuant to 15 U.S. Code 1681s2 Experian has a duty to ensure that they are reporting accurate information. Experian is in violation of 15 U.S.C. 1681i for failure to conduct a reasonable investigation to determine whether disputed information is accurate.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( XXXX ), 12 U.S.C. 5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the XXXX XXXX recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that are marked inaccurate : XXXX account # : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently requested to remove 3 delinquencies from my auto loan with XXXX XXXX for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Congress recently passed a law to protect consumers from being late. 15 USC 1666B ( a ). A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. With the unprecedented times and the rising cost of living I admit that I have faced financial hardship. I am trying my best to repair my credit to put myself in a better situation to provide a home for my XXXX children. If I am able to remove these 3 late payments it would be helpful. I not only have an auto loan with XXXX XXXX but I have several other accounts with them as well.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX # XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Inquiries XXXX CXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

To my shock, inaccurate accounts suddenly showed up on my credit report today, and I have no explanation for why. I check my report regularly, and this time, I found errors out of nowhere. I tried refreshing my browser, thinking it might be an error, but nothing changed. Im deeply concerned, and Im asking for a detailed review of the documents Ive provided to ensure this doesnt happen again.
Product: Credit card

I have mailed dispute notice to Capital One requesting verification of this account reporting on my credit report and they have yet to respond with a proper answer nor did they send proper verification and never stopped collecting according to 15 U.S.C. 1681s 2 7a.