23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have paid off and closed my discover account back in XXXX now they are showing I owe them {$85.00} and I am 30 days delinquent result in drastic decrease of my credit score. I would request them to resolve this issue.
Product: Debt collection

I never received a phone call from the company but they have been calling my wifes phone and she returned their phone number and gave them my number but they still call her and not me so I contacted them and reached a voicemail in which I told them I have not received anything from them and I want a Debt Validation Letter from them. Months went by still no Debt Validation Letter but then I received a voicemail on my wifes phone saying They have tried to serve me  court documents and that I was being sued and this is my last contact. Not only have I not received a debt validation letter but I have never received any written documents just threatening phone calls.
Product: Vehicle loan or lease

Santander Consumer USA has reported my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments as late which in correct. I have attempted multiple times to rectify this with Santander and they refuse to look into my complaints. Instead they have told me it is " not their problem '' and to " take it up with the credit bureau ''. They have done this multiple times and I have seen there are multiple other customers of theirs that they have reported incorrect payment information on. My only other option is to pay someone to report to the bureaus for me because I do not have the time or capacity to do so. It is unacceptable.
Product: Checking or savings account

I ordered XXXX packs of XXXX XXXX XXXX I see wrong address was on file so I reach out to seller I placed a cancellation request and said it was processing My order got cancelled on my end but im still charged on my end Cashapp unable to assist me with this concern they just automatically sided with XXXX XXXX XXXX XXXX Customer is asking for a second review on this case and to reopen the dispute for the {$52.00} TikTok charge
Product: Debt collection

On XX/XX/XXXX I was made aware of a collections that was placed in my name. The debt stated that it was from XX/XX/2016. The amount was for {$3500.00}. At no time was I sent any information on this and I have no knowledge to what this may even be. It does not show up on any report but XXXX. 

After disputing online ( once it hit my account ), XXXX simply stated that it was verified. I still have not even any information on why the amount is due, how the amount was calculated, who the original debtor is and who owns it now. 

It now has changed from a collection to a " charge off '' to which I have no idea why. I would like the debt removed from my report. I would also like to know what legal actions I can take against the debtor.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in violation of federal law under the Fair Credit Reporting Act. Under the FCRA 15 USC 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 instructions of the consumer to whom it relates. I never gave Transunion any written instruction to furnish a consumer report. No consent is identity theft. A copy of the identity theft report as proof marked Exhibit A attached.

Furthermore, you violated 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). I was not treated fairly and these unfair credit reporting methods undermine my confidence as a consumer which is essential to the banking system and the banking system is dependent upon fair and accurate credit reporting. My reputation, character, credit standing, credit capacity, and credit worthiness I have not been able to obtain credit, insurance, employment or housing as well as suffered from mental anguish, stress, depression, and marital problems.

You have prevented me from extending credit and stopped my livelihood by violating my rights to consent and privacy.

Fairness, impartiality and a respect for my right to privacy was not extended to me.

You furnished a consumer report without my written instructions and furnished information that was not fair nor equitable to me you furnished alleged debts owed without validation and had no regard for confidentiality by making vital information public.

An attachment labeled Exhibit A as proof is attached. I demand all negative accounts be removed from my consumer report and file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I he.ve never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX XXXX, XXXX CARD, XXXX XXXX, 11 XXXX. I have contacted the FTC and my local police and I am doing this on my own. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX AUTO FIN, XXXX XXXX XXXX, XXXX XXXX XXXX, CXXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, 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

Equifax Problem : On XX/XX/XXXX my Equifax score dropped 77 Points. I have had no negative marks for 2 years and my score went up 20 points in XXXX. I am in positive standing with all creditors. There is an old existing charge off from XXXX which they stated caused the drop. But this is old and since experienced a score drop at that time. My credit has been in stellar standing since and steadily increasing to the upper 600s / and now 700s - 733 prior to this drop on Equifax being my highest number. Confused. Clearly upsetting, this has harmed my ability to access competitive rates and or borrowing at all as well as possible effects on gainful employment. I am wanting to get a house later this year. I have been working diligently to pay bills and keep a positive balance of accounts currently at 11 % usage on cards. Equifax offered no further explanation on XX/XX/XXXX. I know my rights and it is illegal to renew a previous derogatory account.
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,, 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 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX, XXXX XXXX Equifax is in violation under Consumer Credit Reporting act 15 U.S.C 1681 section 602 A. States I have a right of privacy 15 U.S.C 1681 Section 604 2 it all states a consumer reporting agency can not furnish a account without my written instruction this is th 3rd attempt I disputed please honor my right, and remove this from my credit file
Product: Credit reporting or other personal consumer reports

I tried o work with this company they keep.emailing me about this debt that is not mine there name is XXXX XXXX XXXX
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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX AUTO Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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: Credit reporting or other personal consumer reports

my wallet was stolen on XX/XX/year> and since then i have hard inquiries on my credit report that i did not initiate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a Duplicate report and this is not filed by a 3rd Party. 

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights under 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. 

Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) Account XXXX XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash ass ( Block , Inc ) due to inadequate 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 was unfair and deceptive, as they did not comply with error resolution requirements under the ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of identity theft resulting from a data breach, and the following accounts and inquiries were added to my credit file without my consent : Accounts to Be Blocked and Deleted : XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$16000.00} XXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$760.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$610.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$1100.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$160.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$10000.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$6300.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$640.00} Inquiries to Be Blocked and Deleted : XXXX. XXXX XXXX  XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX  Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX  XXXX Date : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, my checking account made XXXX transactions unauthorized by me to another account. The total amount is {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX & XXXX credit file dated XXXX/XXXX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is  informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.
Product: Money transfer, virtual currency, or money service

Iam 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 funds was infeasible. The CFPBs finding indicate that Zelle not only neglected to protect customers but as also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns.
Product: Student loan

My student loan was transferred to Nelnet recently. Nelnet heavily advertised their auto payment service, so I signed up for it. I logged into may account today and it shows a balance past due, despite being enrolled in auto payment. I waited on hold for 2 hours. The first thing the representative said to me was that I have a balance past due. I let him know I am enrolled in auto payment so how is that possible. He said auto payment takes two days to process AFTER the due date. This is such an odd and inconvenient system. How do they function as a bank with misleading practices? Why did they win the bid for my public loan? Who vetted them?
Product: Checking or savings account

I use transferwise as my regular checking account I to which my employer pays my wages. My employer has so far made regular deposits into my account since XXXX and every time the bank holds the deposit as pending and I dont have access to my own cash for up to 4/5 days. 

When Ive called and messaged them via their XXXX chat option they revert to repeating that sometimes need to do checks to satisfy regulators. However, this has happened every single time and they cant explain why or how long these checks should take. Which leaves me waiting indefinitely to access my own cash. 

Its now in a situation where my rent is late and Ill will begin incurring fees associated with this. And they arent able to offer me a solution other than to continue no use waiting. 

Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

While monitoring my credit reports I found several fraudulent inquiries on XXXX XXXX, XXXX, and Experian. Even though I paid to have all three credit agencies to lock or freeze on my reports, to my dismay, someone was still allowed to solicit credit in my name and was granted a XXXX cable/internet account in my name in XXXX XXXX. This is despite the fact at the time I had a valid XXXX account in my home in XXXX, which had been active for years. Needless to say I no longer use XXXX.

I called each company and informed them of the fraud. I also asked them why they did not contact me in accordance with the credit locks that were in place. I asked all of the companies to remove their inquiry from my credit report. I also contacted XXXX XXXX, XXXX, and Experian to inform them of the fraud and requested the inquiries be removed. I also disputed the inquires via one of these agencies online form to no avail. XXXX 's and one other creditor honored my request and removed the fraudulent inquiry.

The majority of the fraudulent accounts were initiated with a XXXX  XXXX address. I contacted XXXX PD and reported the fraud to their Financial Crimes division. They opened a case.

Months later XXXX  discontinued my service and claimed I owed them over {$900.00} for service in XXXX   XXXX. I explained to them that I contacted their office in XX/XX/XXXX about the fraudulent inquiry. Yet it turns out they gave the perp an account in my name despite my informing them. After trying for more than a week to have XXXX  correct this issue, I filed a complaint with the XXXX   Attorney General. XXXX   eventually apologized and removed the collection from my reports.

Currently I still have several fraudulent inquires on all three credit reporting agencies even though I have asked the companies and the agencies to remove them. I would like to have every fraudulent inquiry removed.

XXXX XXXX   fraudulent inquires : XXXX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX  fraudulent inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX  XXXX/XXXX XX/XX/XXXX EXPERIAN fraudulent inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX Please note, I currently have an active XXXX XXXX Card and an active XXXX XXXX  Card. The fraudulent inquiries cited above are NOT associated with my current active accounts. One of which is more than 14 years old.

Thank you.
Product: Checking or savings account

On XXXX/XXXX/XXXX I meet and spoke with a Wells Fargo Personal Branch Manager -XXXX XXXX at the XXXX, Ca branch ( XXXX XXXX ) regarding my POA I have over both grandparents individually and what requirements Wells Fargo has in order to Exercise my rights as POA. The following documents we taken by XXXX XXXX to forward to WF legal. A declaration of trust, certification of trust, individual direct POA for XXXX and XXXX XXXX grandparents ) as well as my original social security card with my given name as listed as well as certificate of marriage showing maiden name change, us passport, CA DL all to verify and validate information provided as factual. I was then given a form to have notirized as advised by XXXX these documents are required by Wells Fargo California Attorney-in-fact Affidavit. On XXXX/XXXX/XXXX I returned to the same Wells Fargo Branch with notarized form California Attorney-in-fact Affidavit. that was provided to me by Wells Fargo. As documents were being processed and entered I was then hualted and advised that Well Fargo will not be able to accept myself regardless of the legal documentation verifying authority to exercise power of attorney due to  my lack or poor credit rating the obtained from XXXX and I was only elegible for a 2nd chance account. I explained to the banker that my financial credit should not be a factor to exercise my rights and that I wish to speak to Well Fargo legal dept. The branch rep then called the department and I requested to speak for myself with legal and was denied direct communication and communication continued with Wells Fargo Rep and there own internal department as I was sitting right in front the bank representatives. Information was relayed to me from branch representative who was on phone with the legal department that I will not be granted access regardless of documentation because my credit is not sufficient enough to be added onto the account regardless of being a power of attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion are reporting this erroneous account on my credit report that does not belong to me and i have been disputing for several months now but they keep responding by saying it's verified but not sending me any type of proof.
Product: Debt collection

I received a notification of a debt that I do not recognize. I've been the victim of identity theft. My likeness has been used to open bank accounts loans, credit cards, and apartment leases. Consequently, I've filed a police report and identity theft report and the accounts are currently involved in litigation. Additionally, I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravers ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. According to my credit report, the account in question is as follows : XXXX XXXX XXXX