23daVinci/CFPB_Complaints huggingface dataset:
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 Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, US Dept ED Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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

I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

Equifax : XXXX XXXX  Date of inquiry : XX/XX/year> XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX  Account XXXX : XXXX XXXX : XXXX XXXX  Date of inquiry : XX/XX/year> XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I have already disputed these accounts in question 1. XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX. XXXX, XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX with the 3 credit agencies XXXX Transunion and XXXX and the furnisher of the information on XX/XX/2023 the credit agencies responded back to me claiming that they have investigated the matter with the reported companies and found that all information is accurate and verified. 
I have included a copy of my most recent credit report showing all the inaccuracies listed on my report. 
it is the credit agency duty to remove accounts they are unable to verify but they knowingly left the incorrect information on my report and that it self is a violation
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX Balance : {$13000.00} XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

I called Wells Fargo on Monday XX/XX/XXXX to ask if my ex-husband could be removed from my credit card. The customer service representative said because I was the primary card holder and he was the secondary card holder I could have him removed. The customer service representative said I would just need to call the same phone number back and it could be done via telephone. 

On XX/XX/XXXX, based on the information I received, I entered into a written agreement with my ex-husband to remove his name from the credit card and be solely responsible for the debt. This agreement was following the judgement of divorce. 

On XX/XX/XXXX, I called the same customer service phone number back ( spoke to XXXX ) and asked for my ex-husband to be removed. I  was told he could not be removed. I explained that I had just called on Monday and was told he could. She apologized for the incorrect information I received but said it couldnt be done. I told her I entered into a contract with my ex-husband based on the information I received and this is unacceptable. 

XXXX transferred me to the Executive Office to voice my complaint. I spoke with XXXX who said she would assign me a case and case manager and they would review Mondays phone call, their options and get back to me within one business day. 

On XX/XX/XXXX, the Case Manager, XXXX, called from the Executive Office and said she was worry I received incorrect information but there was nothing they could do because it is against their policy to remove secondary card holders. I, again, explained the hat I entered into a contract with my ex-husband to assume that debt by removing him from the account and I was now bound to that. She told me there was nothing they could do. I asked if the call was reviewed and she essentially said no but would let the customer service manager know there could be a training concern. 

While I understand mistakes are made, it is completely unacceptable to provide blatant incorrect information that caused me to enter into a contract that I can no longer uphold. My ex-husband has said he will take me back to court/sue me for not following through on this agreement.
Product: Credit card or prepaid card

My employer had filed partial unemployment for me from XXXX of XXXX without notifiying me. I had no idea until receiving a XXXX at the end of XX/XX/XXXX saying I had been given benefits. I immediately filed it as fraud until figuring out through my state Department of Labor that my employer had filed. At this point I had contacted my employer and no one could tell me what had happened or even confirm they had filed it. The state department said they were investigating fraud so I waited for them to set up their new fraud reporting portal and filed a complaint. I waited for them to send me a new XXXX hopefully updated but it never came. As time went on, a friend of mine said they had the same thing happen and that a prepaid card wasn't sent out like it should have been. They told me to call the State Department, Way2Go  XXXX XXXX XXXX and try to get one sent to me. I tried the State but most of the lines were disconnected and the one that wasn't kept ending my call after waiting for a few minutes. Way2Go ( XXXX XXXX was fully automated and would not work without already having a card number or confirming my SSN/Date of Birth/Pin, which never worked even after ensuring my ID.me account was connected to my State account. After all of this, my State Department sends me a notice that I elected for a prepaid card ( which I did when confirming my ID.me account ) but Way2Go ( XXXX XXXX never sent me one within the 7-10 days they say it takes. It's been over a year and I've never had access to these supposed UI benefits, can't contact anyone about it, and still am not fully convinced it's not fraud. I've already filed my taxes without the XXXX because the XXXX said if it is fraud to just file it as {$0.00} and let the XXXX and Federal government figure it out. As tax day approaches, I just don't know if there's anything else I can do anymore. I just want to either have the XXXX confirmed as fraud and fixed to {$0.00} like they said they would, or somehow get access to my benefits.
Product: Debt collection

XXXX has contacted the company and told them this was not him and he has nothing to do with the account. XXXX said this account is ruining his life and his credit score he also said he had no knowledge of it until it showed up on his credit report and he is willing to file a lawsuit.
Product: Checking or savings account

On XX/XX/2020 there was fraudulent activity on my debit card which consist of two ATM withdraws one being of XXXX and one being of XXXX, as well as a charge from a restaurant of XXXX. Called within two hours of the charges being done to my account and made a claim with Bank of America claim # XXXX.I later come to find out that they put a charge of {$200.00} for a ATM withdrawal that I did so I called in immediately once I saw that I had explain to them that that XXXX atm withdrawal was done by me and they never made an adjustment and took into consideration that I had done that {$200.00} withdrawal days prior. So they were investing in a {$200.00} withdrawal like if it was fraudulent when it wasnt.Ive made numerous claims but they keep denying me and giving me the only option before putting it into collection is to pay. Company is Bank of America and it is a checking account been with them for roughly 6 years. Thank you
Product: Credit reporting or other personal consumer reports

I received a notice on my XXXX credit report on XX/XX/XXXX that there was a new item that was unfamiliar to me. I called Genesis ( COLUMBIA DEBT RECOVERY LLC DBA GENESIS ), the debt collector and on XX/XX/XXXX received an email detailing the amount owed, the creditor, and an address for where the transaction took place. I tried to get more information to aid me in filing this report and a police report, but following ( with personal information struck out ) was all that was received. The amount is allegedly for an apartment application in XXXX XXXX, where I have never lived. 

[ MY NAME ] [ Address for apartment application ] Original Balance : {$55.00} Current Principal : {$55.00} Interest Due : {$0.00} Total Due : {$55.00} ORIGINAL CREDITOR : XXXX PLACED FOR COLLECTIONS ON : XX/XX/23
Product: Money transfer, virtual currency, or money service

Coinbase held a referral program where you make a referral, the individual purchases {$100.00} in crypto and you qualify to earn part of $ XXXX in crypto. For some reason Coinbase disqualified me and can not tell me why. Their program is fully automated and they have no way to determine why a reward was not paid. 

I made my referral on about XX/XX/XXXX, the purchase of the {$100.00} was shortly thereafter. There was an issue with payment not going through, an additional source of funds was added and the purchase was completed on XX/XX/XXXX, well within the program timeframe. 

Presumably the issue was the initial payment failure but given he purchase was completed within the timeframe ( by XX/XX/XXXX ) their " automation '' should have accepted the purchase as having completed the requirements. 

To me this is pure marketing fraud. They put together a marketing campaign they can not effectively execute on and the claim it is the automation 's fault. Their entire platform is automation. If they can not execute on a marketing program how can they accurately execute a crypto transaction. I reached out to Coinbase today and they are unable and/or unwilling to help. I expressed my frustration and have zero faith in them and thus indicated that I would be taking my business elsewhere.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX 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 60 days 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 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 XXXX
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 recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX - partial account number XXXX and XXXX XXXX XXXX partial account number XXXX are reporting duplicate line items to XXXX ; Experian and XXXX  a collection in the amount of {$3100.00}. ( Please see page 2 of the attached credit report. ) This duplicate reporting of a collection is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to fix this issue, however I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is violating my rights under the fcra law by reporting XXXX XXXX  account # XXXX XXXXLast year I filed a complaint with CFPB the answer from Equifax was the solution for me to contact them which I have disputed the account by phone and correspondence and the willfully violating my rights under the law CRA and still wont delete a fraudulent account from my report which I sent them my identity theft report 3 times and the second complaint is that a late payments wont be removed when I have paid XX/XX/2022 XXXX account # XXXX and added proof XXXXXXXX XXXX  Account # XXXX I have paid this also and added proof
Product: Checking or savings account

The Wells Fargo Bank payed for one of my bills for me without my permission. The bill was approximately {$34.00}. When I complained to the bank, they claimed that they are allowed to pay my bills for me without my permission and offered to do it again. I declined. 

The Wells Fargo Bank is denying the existence of the banking location where I opened up my First Wells Fargo Account. This location is : XXXX XXXX XXXX XXXX, XXXX XXXX, Nevada. Recent bank mishaps appear to have lead to my wife and XXXX children coming up XXXX. My wife and XXXX children have been XXXX for two weeks and one day. 

Wells Fargo Bank has yet to return {$2.00} to the ATM machine at XXXX on XXXX and XXXX in XXXX, Nevada. The transaction was supposed to be completed about two weeks ago. 

Wells Fargo Bank asked me to make a letter head. I do not work for Wells Fargo Bank. I am simply a checking account holder. 


My Wells Fargo online account is currently inaccessible. I tried my two most recent passwords. Neither of them worked. 

All banking locations where I have visited personally : XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX ( opened PrePayCard Account ), XXXX XXXX XXXX  XXXX, XXXX, NV XXXX ( opened joint account with my XXXX wife XXXX XXXX ), XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX ( opened a checking account ) XXXX XXXX XXXX XXXX, XXXX, NV XXXX ( employees here have intimidated me and harassed me )
Product: Checking or savings account

XXXX closed my account on XX/XX/2024 and withheld the balance on my account.It has been XXXX days now and I have tried to communicate with them via phone and email but they have not responded and I suspect they are holding my funds with malicious intent.
Product: Credit reporting

Ability recovery services Did not provide adequate verification for debt in question no documents were provided showing a contract or signature
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE ITEMS ON MY REPORT THAT I DID NOT CONSENT TO WHICH IS A RESULTS OF FRUAD, I HAD NO IDEA ABOUT THE UNKNOWN UNAUTHORIZED ACCOUNT AND THEY NEED TO BE REMOVED. 

1 ) XXXX  2 ) ALL INQUIRIES
Product: Credit reporting or other personal consumer reports

I value your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have an ITEMS passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX has called me and threatened to sue me for a debt that is very old 20+ years. They stated that they were going to put liens on my cars and house and reposses them and destroy my credit. They also told me that I was an " XXXX have no sense at all and must have been XXXX XXXX XXXX XXXX  in the XXXX making my XXXX '' ( Those were there exact words ). They are claiming that it is a discovery card debt of a little over {$1000.00}. from XX/XX/XXXX, to the best of my recollection I did not even have a discover card in XX/XX/XXXX. All my debt payments from approx XX/XX/XXXX are all up to date. They have also called and harassed my wife and mother in law on the phone ( they of course have never been given consent to contact those numbers ).
Product: Money transfer, virtual currency, or money service

The response from USAA is not an accurate description of what took place. I have documentation from XXXX XXXX XXXX XXXX  showing otherwise facts in this matter. I am not at all satisfied with the reply as it is not accurate. I have called and left 5-6 VM for XXXX the Advocacy Adviser since receiving her letter last week and she has yet to return my call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a inaccurate account that is in collections to my credit bureau. I uploaded the deletion document to Experian and have yet to see the account deleted. Letter submitted to Experian on XX/XX/20 for XXXXXXXX XXXX XXXX
Product: Vehicle loan or lease

1. My XXXX XXXX XXXX was paid off XX/XX/XXXX by my dealership. The leasing company charged my checking account XX/XX/XXXX after the lease was paid in full {$410.00}. Ive called them 8 different times and after being transferred around they hang up. I have an email that states they would send me a check which never happened. After my eighth call yesterday I was told that the payment back to me was being held for unknown reasons. I have disputed this charge with my bank waiting on confirmation of refund. 

2. After over 35 days my dealership still has not received the title. My dealership owes me {$3500.00} which is also being held until they receive clear title. Same leasing company. 

XXXX XXXX XXXX serviced by Innovate Servicing Corp account # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX If you need any further assistance, please XXXX
Product: Debt collection

Due to driving in a rental car and having a faulty transponder, a toll roads transponder payment was not initiated on XX/XX/XXXX. The first violation notice I received was a Collections Notice from XXXX XXXX XXXX, XXXX " XXXX '' in XXXX XXXX. ( Doing business at the time as XXXX XXXX XXXX XXXX XXXX - phone number is the same for both companies XXXX. ) On XX/XX/XXXX I spoke to a representative that instructed me to send in the supporting documents of my active account in good standing with the previously submitted information of XX/XX/XXXX.  Nearly two ( 2 ) years later, I received a new collections notice from XXXX ( dated XX/XX/XXXX ) for the same incident. I responded with a letter and copies of previously submitted supporting documents on XX/XX/XXXX. XXXX responded with a letter dated XX/XX/XXXX for additional information. I responded with the additional information and copies of previously submitted correspondence on XX/XX/XXXX. XXXX responded yet again with a letter request ( dated XX/XX/XXXX ) for additional information erroneous to the situation at hand. On XX/XX/XXXX I spoke to helpful representatives that escalated the call to a Supervisor. Finally, no Supervisor came on the phone, but a message from Supervisor XXXX follows : " The rental car needs to be linked to the Toll Roads account. ''
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX : XXXX ( XXXX ) XXXX : XXXX Experian XXXX XXXX XXXX, TX XXXX Subject : Request for Verification and Validation of Collection under 15 U.S.C. 1692g To whom it may concern : I am writing to formally dispute a collection that appears on my credit report managed by Experian. Upon my review, I believe this collection may not meet the validity and verification requirements established under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to the aforementioned law, I formally request that : I am provided with written verification that this debt is valid, including details such as the original amount, the original creditor, and documentation proving my legal responsibility for this debt. 

The debt is validated to ensure that the reported information is complete and accurate. 

If this collection can not be validated, it is immediately removed from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Attached to this letter, you will find a copy of my government-issued identification and a proof of address to facilitate the investigation process. Please inform me in writing of the results of your investigation and any actions taken within the timeframe established by law. 

I hope this matter will be resolved fairly and in compliance with applicable federal laws. I appreciate your attention and look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX : 15 U.S.C. 1692g ( Debt Validation ) This section stipulates that within five days of the initial contact with the consumer, the collector must provide a written notice including : The total amount of the debt. 

The name of the original creditor. 

A statement indicating that the consumer has 30 days to dispute the validity of the debt. 

If the consumer disputes the debt, the collector must provide written verification. 

If the debt is not properly validated, it can not be legally reported or collected.