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

On XX/XX/2022 I submitted my Identity Theft report through this website along with my identification. I will upload my complaint copy with my other documents. I also uploaded a notarized copy of my FTC Identity Theft report. The FCRA stated that is all I need and a statement acknowledging that the accounts resulted in identity theft and that I don't assume or accept responsibility. ! 5 USC 1681C-2 ( A ) The local police department also stated that as long as the Identity Theft report was notarized and has a report number from the Federal Trade Commission , that's all I need. The company has 4 days to block and delete the information. I received an email from one of the companies asking me to upload my information but the website will not allow me to upload my documents. I am uploading a copy of the email also. I am not able to pull my consumer report from this company. I asked for them to mail me an updated report and score and I haven't received it. Also I am acting on my own behalf. I keep getting told that it's not me.
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 confidentially under USC1681 Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX I looked on my Equifax Credit Report on XXXX XXXX and i noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to insure maximum possible accuracy of the information concerning the individual about whom the reporting relates to 15 USC 1681 ( e ) ( b ) And According to 15 USC1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information. 
( A ) In General If, after any investigation 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. 

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a 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

This account is older than 7 years from the XXXX delinquent date. However, another date is given as the original delinquent date.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$7900.00}
Product: Mortgage

On XX/XX/XXXX Wells Fargo Home Mortgage Foreclosed on my home. XX/XX/XXXX Wells Fargo failed to answer my questions concerning my note. They failed to answer any of my questions on the questionnaire I sent them in XX/XX/XXXX. Wells Fargo Home Mortgage failed to answer pertinent questions Under RESPA AND TILA ACTS. 

Wells Fargo failed and deliberately ignored my numerous requests to answer my questions concerning the alleged debt they were demanding over the telephone. They refused to send me any bills or statements for what I owed and they never gave me receipts for the payments I made. Wells Fargo and its agents also endorsed the mortgage note at closing without my knowledge or disclosure that it endorsed the note on the back PAY TO THE ORDER OF AND WITHOUT RECOURSE. 
This indicates that they converted the note to a DRAFT ie a check and someone recieved a XXXX dollar payment. Then they proceed to demand payment when someone endorsed the note without recourse. 
On XX/XX/XXXX Wells Fargo reconveyed my home to a # rd Party debt collection attorney in the state of Michigan and these attorneys proceeded to pilfer my public Title to the property in question. To this Day XXXX XXXX  XXXX  and their agents have continued to Send Bills and Notices of collection and notices of Sherriffs sale on XX/XX/XXXX. XXXX XXXX has sent collection notices through the US Mail indicating a fraudulent process to collect on my estate and making themselves Fiduciary to my estate when I never authorized them to contract with me or my estate. Swindle, fraud, and fraudulent collection activity are being reported to the Treasury Department and the IRS as well as the XXXX police.
Product: Credit reporting or other personal consumer reports

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


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


I demand the late payment to be updated. 


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


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


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


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


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


Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the 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 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified account XXXX XXXX Account numbers -- XXXX /XXXX XXXX Account number XXXX XXXX XXXXAccount number XXXX. In these 2 months I have not received a notice in over 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today which is a non-compliance of the FCRA. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent several Disputes predating XX/XX/2018. Most recent Credit Report XX/XX/2018 purports information verified and investigated. It has not been investigated nor verified. See Date updated section on credit entries. I contacted original creditors several times and verifications not met ; Original creditors unable to produce original signed documents. 

CRA must also update information provided. 

Other credit reporting reporting agency deleted entry because account unverifiable.
Product: Credit reporting or other personal consumer reports

Reporting XXXX history is illegal 15 U.S. Code 1681b - Permissible purposes of consumer reports 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 instructions of the consumer to whom it relates.

P.L 90-321 ( 82 Stat. 146 ) which is law that backes the code is even stricter as it states that any agency can only get my report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) I did not give consent to report transaction history
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because there is a fraudulent account reporting on my credit. My information was exposed in the Equifax data breach. As per section 605-b of the FCRA, this account was must be blocked and removed from my credit report within 4 business days of receipt of this dispute.
Product: Money transfer, virtual currency, or money service

I have had nothing but issues with Binance.US. the company is aware of their inefficiencies as I have many screenshots to prove it. i initiated two separate withdrawals on XX/XX/2021. One withdrawal was done through ACH totaling up to {$78.00}. The other withdrawal was done through wire totaling {$85.00} ( {$100.00} with the {$15.00} wire transfer fee ). I never received emails to confirm these withdrawals and my money is stuck in order. I have reached out to Binance.US and I am now blocked from all forms of contact. customer support emailed me to tell me I had an outstanding balance in which I replied immediately that there is no such issue. Followed by a response apologizing for the misunderstanding and that they would look into my withdrawal issue. I have now received 3 replies that havent addressed the issue as I am explaining or they have said it will be handled. It has been over a week, the situation is not handled and they blocked me and closed my support tickets. My user id # XXXX my email associated with the account is XXXX my last support ticket # XXXX I am all out of options I did everything I could to resolve this issue and they are making no attempt to rectify the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the company does not have the documents. Delete the item out of my report immediately. Send an updated consumer report after item has been delete to the address on file with company
Product: Debt collection

Complainant previously filed a complaint that was responded on XX/XX/2021. The compny 's policy of " any one over the age of XXXX has to be screened and added to the Lease Agreement '' has nothing to do with the duration of how long a guest can stay in the apartment. The company 's reponse is evasive and not acceptable. The company should admit it committed fraud.
Product: Debt collection

I have previously sent LVNV Funding and affiliates a request to validate this debt, for the following account number XXXX XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX via certified mail. Under the Fair Debt Collections Practices Act ( FDPCA ), I have the right to request validation of the debt that you say I owe you per the FDPCA. I have given LVNV Funding 30 days to remedy this situation, which is not only a reasonable period but is also the maximum time request limit as indicated by the FDPCA/FRCA. I have received no reply from LVNV Funding, although I did receive signed confirmation via certified mail from the United States Postal Service that my validation letters were received on XX/XX/XXXX and XX/XX/XXXX, however attempts to collect said debt are still being made by LVNV Funding without properly validating debt. 

Since LVNV Funding is still reporting this account on my credit profile, LVNV Funding is now in violation of the FDPCA and are subject to fines of {$1000.00}, which I may collect from LVNV Funding by filing a claim in small claims court. I intend to follow through with said suit if I do not hear back from LVNV Funding within 10 days. LVNV Funding should also be aware that reporting such invalidated information to the major credit reporting bureaus may constitute as defamation of character, as the negative remarks on my credit profile prevent me from benefits associated with a good profile. I am sure that legal staff will agree that non-compliance with this request could present LVNV Funding with legal inconvenience with the FTC and other state and federal agencies.
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 CFBB lawsuit highlighting significant issues with the platform. Despite using Zelle several times and reporting discrepancies, my financial institution and Zelle have failed to investigate my claims properly. They informed me that recovering lost funds is impossible and that tracking these transactions are unfeasible. The CFBBs 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 about consumer safety.
Product: Debt collection

While checking my credit report i notice a debt collector trying to collect a debt i have no knowledge of i have never signed a contract with this company in person nor electronically neither any of there affiliates
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a XXXX party or XXXX XXXX XXXX. 
In Accordance with the Fair Credit Reporting Act Convergent these accounts below has Violated my rights according to 15 U.S.C 1681 section 602 A States i have the right to privacy 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, please provide the following XXXX Original Contract with my Signature on it XXXX information ( Name, Address and Phone Number of Original Merchant XXXX Payment History and Itemized Billing Associated with Each Account XXXX Of Ownership ( Proof That The Company Trying to Collect This Debt Has Authorization To Do So ) If you can't provide these XXXX things please delete these accounts from my credit report.Thanks
Product: Credit card or prepaid card

I was offerred a balance 0 % balance transfer and transferred {$6000.00} on XX/XX/XXXX. Terms and conditions offer 5-7 business days. When it had not posted on after the XX/XX/XXXX, I called to ask that the request be voided and was told that the funds would post the following day XX/XX/XXXX. A week later it still had not posted and Discover admitted this had 'been mishandled at every step. ' The {$6000.00} had already been debited from our account so it could not be reprocessed until they 'found the original {$6000.00}. ' The process required a total of 35 calls, most with the executive office who left me 2-5 voicemails a day requiring me to call back. Throughout, my bank, XXXX offered to speak with Discover to get the funds transferred electronically and immediately and even offered to cover expedited shipping of a paper check as our account was now overdrawn but Discover refused all of XXXX 's efforts to resolve quickly and the process took an additional several weeks. 

For the first time in our lives, we bounced a rent check, a health insurance payment, and even a check to one of my employees with substantial fees for each. Worst of all, our bank is now holding all deposits for 7 days because of the overdrawing that occurred and will continue this policy for 6 months or until we have no further bounced checks. 

In short, we planned to have the {$6000.00} in our account after Discover provided the date that the funds would be available and when the funds became 'lost, ' we assumed Discover would be reimbursing those fees if not for the 7 hours of time on the phone this has now cost us. Their refusal to work with XXXX to resolve quickly was unconscionable as well. 

It was only today that the executive office notified us that they believe this is an acceptable customer service experience and will not be providing us with even a courtesy credit for our time nor will they cover the fees incurred because of the blatant misinformation provided by their reps.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi i have tried numerous times to submit disputes about my credit reports. I have done a rehabilitation for my school loans to get them out of default and in good standing. The credit reporting bureaus equifax and XXXX are still reporting these old accounts as delinquent amd they are not. The old accounts are still showing negative information on my credit report. I have done dispute after dispute with no results. The credit bureaus equifax and XXXX have 6 duplicate accounts showing on my report these accounts are copies of the updated records that were reported on XX/XX/21. I have explained this to them over and over.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to an adequate customer service and unfair practices which file leads the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take a timely and effective measure to prevent and address fault on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Fraud Transfer Act ( EFTA ) and regulation E. These actions have caused inconvenience. And financial loss. and I seek appropriate redress for these violations
Product: Debt collection

XXXX XXXX continues to report an open collection item on my credit report, even though this item has long since been paid in full. The balance is zero. This item has not been updated on my report in over a year.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  's customer service representative.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, has caused unwanted marketing problem by not having a paid account loan to be removed from the credit once paid. I have experienced higher debt ratio when a paid car loan remains on the credit report. This debt ratio is used to inflated the cost of the next vehicle, because of the previous vehicle paid status. Meaning that because this information is shared with the dealership it ultimately puts you in a higher car value because you paid off the vehicle. This information should not be shared with the car dealership because it creates a debt ratio trap.
Product: Credit card or prepaid card

I used this credit card to help Build my credit It was only valid for 2 year after it expired I destroyed the card and never reapplied a year later I start getting billed for a credit line I didnt know Was still active ..cause I never reapplied and didnt have a Physical card I called them to explain,,, they apparently closed my account now my credit is suffering and Ill still being billed!!
Product: Credit card or prepaid card

SYNCB/PPC continues to close this account and reopen it with a different account number and report false payment information. The company agreed to close and remove this account from my credit due to fraud. I've been dealing with them and their false reporting for years and they are ruining my credit. When I call they can not find the account as the account should not exist nor can they provide original contracts or bidding documents. The last time I called they continued to hang up on me and could not provide me with any information as to why they continue to do this.
Product: Credit card or prepaid card

I can't get paid my AL UC due to pending issue hault / error with direct deposit
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX/ {XXXX XXXX XX/XX/2022
Product: Vehicle loan or lease

I submitted a dispute with Exeter finance XX/XX/2023 disputing payment history and the charge off amount also requested information regarding the amount left on the account before it was sold to XXXX XXXX with a receipt. I sent this to an email XXXX they replied back XX/XX/2023 that they received it. XX/XX/2023 they sent out a letter saying the account status is accurate. I never ask about the account status. The also say the information reporting to the credit reporting agency are correct! XXXX quite confused seeing that there is different reporting going on. If they are all accurate explain why each credit reporting agency is reporting different information. Due to the FCRA all information being furnished should be 100 % accurate especially if its coming from the same furnisher. This is grounds for removal. They ignored my dispute and they have been knowingly/ willingly reporting inaccurate information. Thats against the law as well. This has caused damage to my credit report. Under the 15 U.S.C 1681-2 1 ( a ) 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. ( b2 ) A person shall not furnish information relating to a consumer to any consumer reporting agency if