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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Form XXXX Dear GOLDMAN SACHS I hope this message finds you well. I am writing to formally request a copy of Form XXXX ( Cancellation of Debt ) for the tax year [ specify year, 2024 related to my account with XXXX XXXX XXXX XXXX account XXXX XXXX XXXX As you may know, the IRS requires that debt XXXX be reported on Form XXXX, and I need this form for my tax records. I believe that a portion of my debt was canceled during the above-mentioned tax year, and it is essential for me to receive this documentation to accurately report my income. 

Please send the completed Form XXXX to my address listed above or, if possible, provide it electronically via email at [ Your Email Address ]. If you need any additional information to process my request, do not hesitate to contact me at [ Your Phone Number ]. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

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

Unauthorized items have appeared on my credit report due to the fraudulent use of my personal information. I have never benefited from these transactions and immediately reported the issue to the Federal Trade Commission. Despite taking the necessary steps to address this, these fraudulent items remain on my credit report, causing ongoing frustration and harm to my financial standing.
Product: Credit reporting or other personal consumer reports

Experian has been sued for allegedly conducting sham investigations that fail to properly address consumer disputes. I believe that the numerous times Ive attempted to correct account errors on my credit report have been shadily processed and incorrectly investigated, leading to false verification letters, updated reports instead of entirely removing accounts that are both fraudulent and/or inaccurately reporting balances, late payments, and closed accounts. 

Multiple inquiries, accounts, and inaccurate delinquent entries have been reported on my credit profile, all of which I have attached in this CFPB complaint via letter/word doc. as way of attempting to correct the insurmountable damages done to my credit health and identity as a consumer. 

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 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 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 -I demand the following incorrect late payments be removed immediately : XXXX XXXX XXXX XXXX account # XXXX ( credit card ) Inaccurate Late payments- XX/XX/XXXX, XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX XXXX account # : XXXX ( XXXX loan ) Inaccurate Late Payments- XXXX and XX/XX/XXXX.
Product: Checking or savings account

On Saturday, XX/XX/2023, I swiped my card at a gas station, for {$7.00} I went to another store, that took about 30 minutes to get to, and spent {$52.00} While i was in transit, someone " swiped my card '' at XXXX XXXX XXXX XXXX. ( I have physical possession of my card ) I noticed the transaction at around XXXX and called Cash App immediately and started a dispute. I called the ONLY XXXX open that day and the manager said he would call me back, which never happened. I then called the XXXX police dept and made a report. Cash app has repeatedly denied my claim and will not explain why other that I made the purchase. Which I did NOT. I have since stopped using the card, pulled all the money out and I'm still getting text messages that the card is still trying to be used by someone. I have notified Cash App that the problem is still there to which nothing has been resolved. 
This is what I found out XXXX does NOT take Cash App cards. 
XXXX does NOT charge XXXX for ANYTHING. 
XXXX is billed XXXX XXXX I am being billed by XXXX XXXX XXXX. which is either a pet shop in XXXX or a trucking company in XXXX AZ which is more than 2 hrs from me. Either way, usually when a legitimate company bills, they have an address or phone number attached to the transaction. In this case, there is no address or phone number. I am only seeking my money back.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1973 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX MIDLAND CREDIT MANAGEM XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1973 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX falsely claims that I have not paid a charge of {$52.00} ( for XXXX XXXX XXXX ) and now demands that I pay it. I paid the {$52.00} at issue back in XX/XX/XXXX. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX ( attached ) whereby XXXX threatened to report me to four credit reporting agencies if the {$52.00} is not paid. Moreover, I have always paid my credit card statements in full, so XXXX demand makes no sense. 

I have spoken to numerous people at XXXX XXXX XXXX trying to resolve this issue without any success resulting in wasted time and emotional stress. Even though XXXX XXXX XXXX acknowledged on XX/XX/XXXX that the {$52.00} was paid in XX/XX/XXXX, it still stands by its XX/XX/XXXX letter. On XX/XX/XXXX, an XXXX representative and her supervisor vehemently insisted that the XX/XX/XXXX letter had nothing to with the {$52.00}, but just a letter they routinely send out to remind people to pay on their balances. However, a simple read of the letter contradicts XXXX XXXX XXXX claim. I am very concerned that XXXX XXXX XXXX false claim will severally affect my credit rating, especially as a senior citizen. 

Attached is the XX/XX/XXXX statement clearly stating the {$52.00} had been pay after it had been reinstated in the XX/XX/XXXX statement ( attached ) with a total balance due of {$820.00}. The {$820.00} was paid in full in XX/XX/XXXX.
Product: Consumer Loan

I purchased a XXXX from Auto Now Financial also known as XXXX on XX/XX/2016. On XX/XX/2016 someone wrecked into me totalling my car. The dealer Auto Now Financial informed me of a program they offer to get me into another car through their company once the insurance company paid off my XXXX. The program was explained to me that I only pay {$98.00} to drive off the lot. This money covers the auto insurance that they provided for me. I chose a car on XX/XX/2016 a XXXX. Within XXXX or XXXX days of driving the car I returned it to the dealer complaining of the front end did not feel safe. I was told they do not cover new tires. I then took the car to another mechanic and was told the XXXX was not safe to drive on and would need to be fixed immediately. I then took it back to Auto Now and informed them of this. They kept my car for one day then rerurned it to me stating it was the tires and again it is not covered under warranty. I requested that in writing and they refused. I then contacted the finance department and informed them I will not make the scheduled payment of {$500.00} due on XX/XX/2016 or the first payment of {$210.00} due on XX/XX/2016. They repossessed the car on XX/XX/2016 when the temporary plate had expired and sold it in auction on XX/XX/2016. Auto Action then reported the car on my credit report as an open loan for {$10000.00} showing XXXX payments being made in good standing. Their action has kept me from being able to finance another vehicle. I was informed by another dealership that a loan is not funded by the lender if the buyer fails to make the first payment, ie down payment. I have information about the issues with the car from the previous owner of this vehicle showing the malfunctions were previously known by the dealer. These actions look like various forms of fraud by the dealership not only to consumers but to financial institutions and insurance companies as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent TransUnion a letter stating that an account that's reporting to their agency was not my account and that the account should be removed because the account was opened due to identity theft. TransUnion has not removed the account. TransUnion has violated the Fair Credit Reporting Act and the Fair And Accurate Credit Transactions Act of 2003 Account reporting : XXXX Acct # XXXX
Product: Checking or savings account

a random debit of {$640.00} was taken from my account by XXXX XXXX on XX/XX/year>. 

this transaction was not authorized by me its a fraudulent transaction. 


the other transaction where I did authorize a purchase from XXXX XXXX for XXXX on XX/XX/year> for a gaming console that never arrived in the mail. 

XXXX XXXX was uncooperative in helping me with that stolen package Ultimately I had to dispute those charges with Truist and they also where not helpful im am out of {$1100.00} this is ridiculous its about to be 3 months since I initially filed these disputes
Product: Credit reporting, credit repair services, or other personal consumer reports

We are consumer whom purchased three vehicles from XXXX XXXX XXXX and financed all three. Ford wrongly accused us of not paying for the last vehicle. We took Ford to XXXX and State Court in XXXX XXXX Georgia. The XXXX XXXX XXXX found a pattern where Ford received the payments and failed to post them along with not posted those Electronically Bank paid as they received them. The law firm of XXXX and XXXX XXXX State Court decided to file a Voluntary Withdrawal admitting we were not responsible for the debt! We need your assistance with Ford Motor Credit of XXXX. We are being held down with low credit score and fighting this since XX/XX/XXXX. We have a way to buy a home and new careers but Ford doing this ruins our lives. WE MUST FORD, being held hostage and using XXXX  and XXXX has proved to be very difficult and filing complaint after complaint with each bureau with our complaint going unresolved. Each time even though we have their Attorney 's Withdrawal XXXX XXXX of XXXX and Associates nothing is being done, We sent correspondence to XXXX XXXX an Executive Analyst whom refuse to give a last name or number. They even tried to hire XXXX XXXX until we sent the Withdrawal from their Counsel. We are needing our credit and our scores not a run around as we have experienced. XXXX is often rude and you get no where when asking for a Supervisor nothing gets resolved. XXXX is evasive and tells you they are removing it and never does. We have the proof look it up XXXX filed XX/XX/XXXX by XXXX and XXXX. We really need your help we have work to resolve the biggest problem to get our scores where they need to be. We must work quickly as often time leads to more people such as ourselves. Homeless and needing resolution long over due our family.
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 properly. The CFPBs findings indicate that Zelle has not protected consumers and has allowed repeat offenders to exploit the system without consequence. The lack of accountability raises concerns for consumer safety.
Product: Debt collection

First, this company was repeatedly calling a friend whose number was not an authorized way for them to contact me. They called her multiple times daily over the past two weeks even after she told them not to contact her. She gave me their info and I callled them myself. The woman I spoke to refused to send me a statement of my debt on paper or any other form of validation of my debt. I tried to explain my medical situation to explain why I havent yet been able to pay and can not make a payment today. She refused to accept that I can not afford a payment at this time. She stated I was refusing to pay even though I can not pay. I said I would be happy to attempt to work something out in the near future and again asked for a statement to be mailed to me ; she again refused. She mocked my illness and insinuated I was lying about my situation. So again, two major issues : repeated calls to a third party, and they refused to send me validation of my debt so that I can plan for future payments ( or dispute the debt if it turns out not to be mine ).
Product: Debt collection

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 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 AARGON AGNCY XXXX AARGON AGNCY  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is a collection agency collecting for XXXX   XXXX University in the amount of {$4300.00}. I dispute was sent to the collector and all three Credit Bureaus over 60 days ago. No one has responded as required by the FCRA and CCPA to prove ownership of the debt by purchase order, itemized billing statement, and a signed contract bearing my signature and identification. An entity simply can not demand payment without ALL of these documents. Since it is has been over 30 days ... Initial contact made to all parties including the Credit Bureaus on XX/XX/2020, this item MUST BE REMOVED FROM ALL CREDIT REPORTS or legal action can take place because it is hindering my quality of life wherefore monetary compensation will be demanded in the court of law.
Product: Debt collection

ACCOUNT # : XXXX # XXXX i am a federally protected consumer, and I am making this complaint against Equifax in light of recent investigations brought upon them. i find that my consumer file is being irresponsibly tampered with. Over the past year and a half, i have made several attempts to remind you of your duty pursuant to 15 USC 1681. It appears that you're being intentionally and willfully neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that i am due, promised accuracy on my report based on federal law. I am writing this letter as another attempt to have these errors corrected on my consumer report. 15 usc 1681i ( A.5 ) says that after reinvestigation, all of the unverified information must promptly be removed or modified. You can see in your system that these items were previously disputed without being thoroughly investigated and thus I know it can not be verified or validated. I want the personal information updated ( see attachment ), charge offs and late payments removed, and these accounts updated as paid.
Product: Credit card or prepaid card

I wanted to use cash advance and before I did a cash advance I reached out to wells Fargo to make sure I was not going to get charged interest on this transaction and the rep told me that I would only get charged a one time interest on the transaction but instead Im being charged every month Interest around {$62.00}
Product: Debt collection

I am repaying the debt to XXXX XXXX and Van Ru continues to call even though I pay on time to XXXX XXXX. When they call, Van Ru requests me to verify who I am by giving them the last XXXX digits of my social security #. When I say you called me so why do I need to verify they repeat what they requested and say when you 're ready to verify call us back. I continue to receive these calls even though I am paying directly to XXXX XXXX. This was agreed to by both parties.
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 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, 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 or 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, 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. 

1. XXXX  Account # XXXX has violated my rights. 


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 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 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

Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against EXPERIAN regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/year> Nature of Complaint : On XXXX, I submitted a dispute to EXPERIAN disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reason : Please verify that late payment is made, I have never made a late payment, I have always paid on time Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, EXPERIAN has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 
Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 
Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX 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 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 all these accounts have violated my rights. 

15USC 168i section 602A States that I have a right to privavy.

15 usc 168i section 604a section2 It also states a consumer reporting agency can not furnish an account without my written consent.