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

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXX XXXX
Product: Debt collection

Thank you for providing the validation documents for the debt associated with PORTFOLIO RECOVERY ASSOCIATES Account Number : XXXX. 

I want to make it clear that I dispute the legitimacy of this debt with your company. According to the Fair Debt Collection Practices Act ( FDCPA ), creditors must notify debtors before selling their accounts to collection agencies. Since I did not receive such notification, the validity of this debt being transferred to you is uncertain. 

Furthermore, the fact that I was not informed about the sale of the debt raises concerns about the accuracy of the information on my credit report. Therefore, I demand that you remove the record associated with this account from all three major credit bureaus ( XXXX, XXXX, and XXXX ) in accordance with the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

These inquiries i do not recognize or authorized and would appreciate them being removed. 

XXXX- XX/XX/21, XX/XX/21, XX/XX/21 XXXX- XX/XX/21 XXXX- XX/XX/21, XX/XX/21 XXXX XXXX- XX/XX/21 XXXX- XX/XX/21 XXXX XXXX- XX/XX/21 XXXX XXXX- XX/XX/21, XX/XX/21 XXXX- XX/XX/21 XXXX XX/XX/21 XXXX- XX/XX/21
Product: Credit reporting or other personal consumer reports

INFORMATION ON MY CREDIT REPORT THAT DOESNT BELONG TO ME/ INACCURATE!
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a personal loan with XXXX XXXX on XX/XX/19. I paid the loan off on XX/XX/19. XXXX XXXX and Experian both have that I still owe $XXXX. I contacted XXXX XXXX and they told me that they reported it paid off on XX/XX/19. It was last updated on my report on XX/XX/2019.  I spoke to a rep at XXXX XXXX and they said that the amount they have is correct.  They attachment shows it is not correct and neither credit bureau have updated the account since XX/XX/2019.
Product: Credit reporting or other personal consumer reports

My name and address are wrong and I want only one address reporting on my credit report. I have sent this request several times. I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the XXXX XXXX credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX XXXX. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX. MY ONLY SOCIAL SECURITY NUMBER : SS # : XXXX XXXX. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XX/XX/year> XXXX. MY ONLY EMPLOYER IS : I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 
Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy.

I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA.

Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy.

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed. 
Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am taking the time to formally write and express my concerns regarding Zelles failure to handle disputes properly, particularly in the light of CFPBs new lawsuit highlighting significant issues with the platform. Despite using Zelle a number of times and reporting whenever discrepancies arose, my financial institution and Zelle failed to investigate my claims thoroughly and adequately. They informed me that recovering lost funds was basically impossible and that tracking these transactions was not a feasible request. The CFPBs recent discoveries indicate that Zelle has not only shown gross negligence when protecting consumers that utilize their services, but has also allowed repeat offenders to exploit the system. This lackadaisical way of operating as a financial platform has left everyday users like myself more susceptible to scams despite our best efforts to prevent it. This extreme lack of accountability and failure to be transparent is very unacceptable, disheartening, and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

It is ilegal to add something that was removed as inaccurate on my credit report remove all negative items immediately as soon as possible The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Checking or savings account

Someone opened a Chime account in my name sometime around XX/XX/2023. I received an email notification of an unexpected login and contacted Chime. The phone number associated with the account was not my own so I could not reset the password. They marked the account as fraudulent and closed it. They spent 30 minutes refusing to do anything but direct me to their website and would not provide additional information. Eventually I forced an escalation to a supervisor and put a fraud alert on my credit report as well as submitting an FTC complaint. I was told that a Chime account can be opened without identification.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with a Fair credit reporting act [ XXXX ACCOUNT # XXXX has violated my rights. 
[ CONVERGENT OUTSOURCING ACCOUNT # XXXX has violated my rights. 
[ CONVERGENT OUTSOURCING ACCOUNT # XXXX has violated my rights. 
Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact XXXX, XXXX, And Experian concerning my credit report. They have told me there were nothing they can do. I have inquiries and accounts ( listed below ) that are not mines. Under the Fair Credit Reporting every violations ( listed below ) Im guaranteed XXXX per violation. The accounts that need to be removed are Both XXXX XXXX Bank and XXXX XXXX XXXX XXXX ( Both FIVE STAR ACCOUNTS ) its been passed over due and I paid the accounts in full and its closed I dont need the use of the accounts anymore. I want it to be removed. XXXX XXXX  Account should removed its been closed and I no longer use of it and it needs to be removed. I have no knowledge of XXXX XXXX XXXX account and the XXXX XXXX Account and needs to be removed please. XXXX XXXX, XXXX XXXX Bank and XXXX XXXX needs to be removed due to no knowledge of my account. If they are closed they need to be removed. The inquires that need to be removed due to no knowledge of them are : TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The violations that happened to me are 1 ) All Credit Bureaus are not updated on credit reporting. 2 ) Refusing to updated and removed false information from credit report. 3 ) Each credit Bureau have different information from one another. 4 ) I provided them with proof and they still refused to remove false information. 5 ) They did not take their time to go over my credit report. I have 5 violations that was done to me by XXXX, XXXX and Experian.
Product: Money transfer, virtual currency, or money service

XXXX I tried to make a wire purchase of {$5000.00} XXXX with Coinbase. The transaction did not complete and the message received is that there is a negative balance and a connection issue. I have transacted many times and never had this issue. There was more than enough funds in my account. From an external wallet, I also transferred {$10000.00} XXXX into the same XXXX wallet on the same day. Transfer funds were received and my account was suspended since XXXX. I put in a trouble ticket ( case # XXXX ). On XXXX I received an email stating that my acct was transferred to a specialist. I have since emailed for an update XXXX and have tried to complete my purchase everyday since XXXX on XXXX I reported an issue with my Coinbase Visa card ( Case # XXXX ). Purchases have been declined since XXXX. On XXXX received a message from CB credit card that my case has been sent to a specialist. I do not have access to approx $ XXXX ( Coinbase and Coinbase Wallet ) of my funds and can not transact in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Vehicles paid off and are on my report as repo, I have docs to show cars are paid in full. 
Sent info in to Trans union/ XXXX certified mail 3 times, items never removed.
Product: Debt collection

Bank of America and its agents willfully and repeatedly made phone calls and left messages in violation of Regulation F. In XX/XX/2022, I received voice mail messages that included : - My full name - That this is an important business matter - That a representative had options to benefit me - Statements that Bank of America had tried to contact me previously The above content is outside of the definition of a limited content message ; as such, Bank of America should have applied a cooling off period between collection attempts but did not do so. Each attempt was within much less than seven days from the prior. These voice messages have been saved and can be provided to regulatory agencies as warranted. 

These are the attempts I know about because Bank of America either used the same XXXX or left a message ; however, it is possible that additional attempts were made. 

Bank of America and its agents also placed collection calls to me after I accepted and made timely payments toward its own payment program. When I returned its call on XX/XX/2022, its agent could not tell me why the call was made and later suggested that they wanted to schedule a payment. 

Bank of America continues to engage in unfair and unclear practices that are not in the interests of consumers. I placed a call to Bank of America on XX/XX/2022 to inquire about bringing my account current via reage after having made three consecutive payments as agreed. Bank of Americas agent explained that it can not commit to a timeframe for reage and that a review would happen up to eight months later. The representative advised that there was not a way to request a sooner review.
Product: Debt collection

I was not given notification to dispute this debt. Not only that, on my credit report because I reached out to them directly, told me that they had to speak to my school regarding the matter. That was false information they were telling me as they are reporting as of XXXX XXXX that I owe XXXX when in fact I have a letterhead from the school directly saying I owe nothing on the account and I received the letterhead before the date of XX/XX/2021 XXXX
Product: Checking or savings account

I am a business owner using Stax ( a payment processor ) and their partner Fiserv ( the processing bank ) to handle customer transactions for my consulting business. Recently, my account was suddenly closed, and over {$8000.00} of my business revenue has been wrongfully withheld for a minimum of 90 days. 

This issue began when XXXX informed me that my account was under review due to an {$11000.00} transaction, which they claimed was flagged as unusual. However, XXXX was fully aware of my business model and expected transaction growth because I explicitly stated during the onboarding process that I was a startup business and that my transaction amounts would increase as the company grew. Despite this, they approved me as a merchant and allowed transactions without issue for nearly six months.

After providing all requested documentation ( bank statements, invoices, business details ), I was suddenly informed that my account was closed and my funds would be held for 90 days. Heres where the misrepresentation and deception began : - XXXX initially told me that the account closure and fund hold was a decision made by Fiserv. 
- When I contacted Fiserv directly, their representative told me my account was in good standing and not blocked. 
- After challenging XXXX with this information, they backtracked and claimed the Fiserv representative did not have access to full risk information. 
- Now, XXXX is claiming that the closure was due to my transactions being larger than signed/approved volume, despite my business growth being disclosed upfront and well within expectations. 
-At this point, I have received completely contradictory statements from both XXXX and Fiserv XXXX and no one is providing a clear, written explanation for why my funds are being held. XXXX is also attempting to discourage me from taking legal action by stating that they will no longer assist me if I pursue that routethis is another red flag. 

Why This Is a Major Issue : - Neither company is taking responsibility for the decision to withhold my funds, creating a runaround that prevents me from operating my business. 
- XXXX knowingly approved my business with the understanding that transaction amounts would increase, yet is now using that exact growth as an excuse to shut down my account. 
- I was told to wait for a letter in the mail explaining the decisionbut most financial institutions have secure messaging centers for immediate communication on urgent matters. 
- This appears to be an unjustified account closure with a deliberately vague process to keep my funds locked up longer than necessary. 
- I was fully vetted as a merchant when I applied, and the questions they asked during this review were already answered in my initial approval process.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, AND XXXX XXXX  XXXX was never late! I have had exceptional payment history witH capital one 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 reported in to be removed. 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. XXXX, XXXX, AND XXXX XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Reporting Negative/Past Due to ALL 3 Bureaus : - Equifax XXXX XXXX XXXX XXXX In which I've currently had a lease since XXXX of XXXX and with the lease ending this year. 

XXXX XXXX had reported a late payment for XX/XX/XXXX and XX/XX/XXXX. This report is false. I've always been on time on all my payments, from auto and credit cards. I've already reached out to a representative in Toyota & they waived the " late fee '' charge. However they have reported it to all 3 bureaus that I have a late payment. 

I've already mentioned this issue to TFS - everytime I log in my account there is typically a pop up on the top of the page stating that the website has technical difficulties.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX is reporting inconsistently across bureaus. 
Date opened is inconsistent across bureaus. 
the last report date is inconsistent across bureau Term is inconsistent across bureaus. 
XX/XX/XXXX status of current and 60 days late XX/XX/XXXX is inconsistent. 
This account was not opened with XXXX XXXX in XXXX of XXXX
Product: Mortgage

On XXXX XXXX, 2014, my husband and I signed a residential contract of sale form to purchase a house. Wells Fargo was the name of the bank we used to finance the loan. The house for purchase was a XXXX house which needed to be rehab. Wells Fargo requested my husband and I to have this house inspected by a company which they must approve that is contracted and authorized to supervise and sign off on rehab work. My husband and I paid {$800.00} to get the inspection done with a company Wells Fargo had approved for the inspection. 

After the inspection was done and I found that the roof repair estimation was incorrect because it was for a XXXX roof instead of a XXXX roof. I had paid a XXXX {$250.00} to inspect the XXXX roof and give me the cost to either repair or replaced the roof. When the contractor emailed me the estimation, I had forward the email to my loan officer at Wells Fargo. He told me that he suggest that my husband and I let the house go and he did not communicate with me any more. I have called him numerous times and emailed him as well to let him know that my husband and I still want to move forward in purchasing the home ; we told our agent as well but the loan officer never called me or replied to any of my emails. My husband and I was willing to pay for the roof repair in order that we may stay within the loan approval amount. The loan officer which was handling our loan paper work never took our desire into consideration and as a result we lost out on purchasing the home and lost our {$800.00} for the mandatory inspection as well as the {$250.00} XXXX roof inspection.