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

I am stressed and disappointed that my credit report was misused and I have been violated. I was apart the breach when the Equifax and XXXX got sued so I thought my information was protected moving forward. Thats makes me scared over the privacy of my information. As I was trying to purchase a home I discovered how I have been violated again. This is defamation of my character and putting me and my family 's livelihood at risk from buying a home. So I immediately did research to educate myself and enforce my federal consumer rights so I can moved forward in my life. As the consumer financial protection bureau I ask you to help me exercise my rights IMMEDIATELY! I have several fraudulent accounts on my credit report that should not be there. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Congressional findings and statement of purpose, my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. I am coming to you all so help me solve this matter with the credit reporting agencies. They are neglecting my consumer report. 

There are damages on my consumer report that is causing financial and psychological stress. According to, 15 U.S. Code 1681n ( 1 ) ( a ) ( b ) - Civil liability for willful noncompliance, I have the right to sue for up to {$1000.00} per damages for being under false pretenses and not knowing about how my information has used in the breach and the negative accounts that is on my consumer report. I know my rights!! Attached you will see the disputes I am sending to all the credit reporting agencies. REMOVE ALL THE DAMAGES FROM MY REPORT IMMEDIATELY.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns with how Zelle has handled their disputes, in light of the recent CFPB lawsuit/investigation that highlights 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 wasnt possible and tracking wasnt possible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable. The lack of accountability is unacceptable and raises concerns.
Product: Debt or credit management

I had a loan with Westlake financial and my loan was sold to a third party without my permission. And it is showing up on my credit report and I am trying to dispute the claims
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX : Demand for Removal of Unauthorized Credit Inquiries under FCRA Section 609 To Whom It May Concern, I am writing to demand the immediate removal of the following unauthorized credit inquiries from my credit report. These inquiries were made without my consent and in violation of the Fair Credit Reporting Act ( FCRA ) Section 609.The inquiries in question are : Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Reason : You failed to verify and validate all data for this inquiry, including every notation, date, and balance.Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : You failed to verify and validate all data for this inquiry, including every notation, date, and balance.Inquiry Name : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Reason : You failed to verify and validate all data for this inquiry, including every notation, date, and balance.Inquiry Name : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : You failed to verify and validate all data for this inquiry, including every notation, date, and balance.In response to complaint XXXX, your investigation led you to believe that the information was factual. However, I contacted the data furnisher directly, and they were unable to provide verifiable proof that these inquiries were authorized by me. Therefore, according to FCRA Section 609, I demand that these inquiries be removed from my credit report immediately.Please send me a written statement confirming that these inquiries have been removed. If you fail to comply with this demand, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to enforce my rights under the FCRA.Thank you for your prompt attention to this matter. I look forward to your swift response.Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have resolved an auto loan with XXXX for XXXX XXXX XXXX The account had a derogatory status and still shows balance owed XXXX have sent me a letter acknowledging that account was resolved and that credit report would be updated to reflect this. At this time, almost 3 months later account remains with derogatory status and showing a balance that has been resolved.
Product: Credit card or prepaid card

Someone opened a account in my name company was a scam it was sold company cant be located
Product: Bank account or service

I opened an account online with BOTW based on a promotion they had : {$150.00} incentive. The process seemed easy enough, with the exception that their system would not capture the " XXXX '' for my address. So, I went ahead and added " half '' to the second part of the address. Everything was fine. I received notification that I should receive my account information within the next few days. I called to get my account information to setup my direct deposit, but was not able to get it over the phone and was directed to visit my local branch. I went to the branch and requested my account information. To my surprise, the teller retrieved my information and gave me my full checking account and debit card number without requesting any sort of identification, just me providing my SSN verbally. I tried setting up my online banking and got an alert that they needed to verify my information for security reasons. I do n't understand, I was able to walk in and get my information without issue and without showing any validation that it was me asking for it, yet I was not able to set up my online banking? I called and expressed my concern and the representative was not very helpful, so I asked to speak with a supervisor. The supervisor seemed to not even care that there was a flaw and simply stated, " allow 48 hours for your XXXX to be setup. '' The following days I got an email saying they could not set up my online banking for security reasons and to call in. I called and the rep said it was because my address was missing the " XXXX '' and fixed it. I told her I have yet to receive any information for my account nor my debit card. She assured me it was mailed to me and I would receive it within the next few days. Wednesday ( XXXX ) I called and inquired on my card, it had been more than a week - mail no longer takes that long. The representative seemed confused from the getgo. I asked her to please confirm where it was sent to and read my address verbatim. Out of curiosity, I asked my neighbor if she had received my mail - to my surprise she had my debit card and pin mailer. Someone other than me received my mail because of your error. Imagine this person was not honest? I would have been out {$100.00} because of your error. Not only did your bank fail to safeguard my funds and act accordingly, but delayed access to my funds. This is ridiculous! I 'm a new customer and already experienced poor customer service, misinformation being provided, and possible breach of my account/personal information.
Product: Money transfer, virtual currency, or money service

I'm trying to except business payments made through my XXXX XXXX and it's not working. Why can't I receive payments through XXXX XXXX???
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/year>XXXX  American Credit Acceptance XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, SC XXXX Subject : Cease and Desist All Communication Dear American Credit Acceptance, I am writing to formally request that you cease and desist from all communication with me, including but not limited to phone calls, emails, and mail correspondence. Additionally, I request that you refrain from any communication regarding my account through my XXXX consumer report. 

This request is made in accordance with Section 805 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from contacting consumers if they have been requested to cease communication. 

Please consider this letter as my official notice to halt all forms of communication. I expect to receive confirmation that you have received this request and that you will comply with my wishes. 

Thank you for your immediate attention to this matter. 

Sincerely,
Product: Student loan

Navient bought my student loan from XXXX XXXX on XX/XX/XXXX. My loans have always been in forebearance or deferrment. As we all know before a deferrment or forebearance is approved sometimes there are late charges that the company then removes. I had no late fees with XXXX XXXX when my loans were taken over by Navient. Now all of a sudden in XX/XX/XXXXaround XXXX they are telling me I owe them late fees and upon their research they happened at XXXX who number one never serviced my loans and number two as previously stated there werent any. Im finding it very strange that number one they took over loans in a complete amount and Im not sure how they think they can add late charges from another company. Im not sure what kind of deceptive business practices this company is trying to pull but Im not having it. These fees are fraudulent and all of a sudden and they are incorrect!
Product: Debt collection

On XX/XX/XXXX there was a court date that I was not notified about a debt of XXXX by Midland. They said that they served me a process server, which never served me. They lied on an affidavit and said that they served me. When the debt was originally created in 2020 of XXXX, I was away and XXXX XXXX XXXX. Where Ia process server, which never served me. They lied on a affidavit and said that they served me. When the debt was originally created in 2020 of XXXX, I was away and XXXX XXXX XXXX Where I had no access to my phone. When I asked them to provide me with documentation of the credit card that was used the email address that was used and information that was used to create the account they could not provide me with that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2016, I deposited a check into my XXXX XXXX XXXX account that returned as being counterfeit. At the time, I had signed up for a secret shopping job assignment. The check was mailed to me to use for the purchases I would be making. I didnt know the check was counterfeit if so I would have never deposited into my account. I have attached the email correspondence from the person I was working with regarding the assignment. I am writing XXXX XXXX XXXXXXXX to request that the negative reporting be removed from EWS ( Early Warning System ) and XXXX. I've spoken to several different departments within XXXX XXXX XXXX. I was referred to send a letter with the email proof showing this wasnt intentional to have it removed. I am in the process of trying to get a mortgage through a bank, and this issue is preventing me from doing so. I would greatly appreciate it if you would please remove the adverse reports from both EWS and XXXX.
Product: Mortgage

I have provided US Bank with all of the documents requested of me. I suffered a financial hardship, loss of income. However I have overcome the financial hardship and am asking for mortgage assistance. Every time I call to check status on my request for mortgage assistance I get transferred over and over and over and end up being transferred to the automated system again a few times in the process of being transferred from one place to the other. US Bank does this to me all the time. I get it I am older and perhaps my patience is not as good as it use to be but to be on a call every time for 2 hours to end up on someone's voicemail is unacceptable. NO ONE over US Bank is able to provide an update other than the point of contact assigned. I need answers I have given everything asked of me over and over and have spent a lot of money to fax everything US Bank asks of me to have no responses.
Product: Credit reporting or other personal consumer reports

In, accordance with the Fair Credit Reporting Act Transunion Consumer Services has violated my rights. Inaccurate reporting 15 USC 1681. Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency ( Transunion ) can not furnish an account without my written instruction of permission. 15 USC 1666B. Also as a consumer per 15 US code 1681n : Civil liability for willful noncompliance. In 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 consumer as a result of the failure or {$1000.00} whichever is greater .Fraud accounts are XXXX XXXX XXXX : {$6400.00} open date : XXXXTransunion has reported on my credit report.i did not consent nor authorize Transunion or this company to run my credit or use my social security number. Fraud Inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX. I would like to be reimbursed {$1000.00} per violation. Transunion and the corresponding accounts reported are also in violation of 15 US Code 1681c-2 Block of information resulting from identity theft. These accounts are all related to identity theft i have provided the necessary documentation under this law and the accounts still remain on my report.
Product: Debt collection

Victoria Secret has not sent any validation that this debt is indeed mine showing a wet signature. I have no binding contract with this company. I sent numerous letters via certified mail and received no validation of the debt.
Product: Credit reporting or other personal consumer reports

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must update to correct as paid on time. 


Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences those accounts tag as billing error are inaccurate late payment history should be updated to paid on time as it is in multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of the accounting nature of the creditor on a statement. 
clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And charge off accounts that is tag or labeled FDCPA Section 807 Violation Misleading False Reporting should be deleted and collection account Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately.

a copy of which is enclosed which states that this information must be removed within four business days of receipt, Including inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. should be deleted in the credit report I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items as soon as possible.
Product: Debt collection

I told XXXX XXXX not to contact me via mail or telephone. I also the same from XXXX who XXXX XXXX told me was a debt collector but now they are switching to XXXX XXXX to have me sued. I have received threats of being sued. I do not have a permanent residence nor a job and can not pay this debt. I have already told the collectors and courts this information. Give me a job and I would pay but Until then I do not have a residence of my own. I just dont appreciate being threatened.
Product: Money transfer, virtual currency, or money service

I transferred money from a Chase checking account to a bank in XXXX ( that uses the euro ) in XXXX of XXXX. 

The money sat in the account and was untouched until I transferred it back to the same Chase account based in the XXXX in XXXX of XXXX. 

For each of these transfers I contacted customer service several times and was reassured that the only cost would be modest fees ( < {$100.00} ). 

I am concerned because the exchange rates Chase used were not consistent with any data I have found online for what the exchange rate should have been at the time of each transfer. 

On XX/XX/XXXX, the initial wire was sent at an exchange rate of XXXX EUR : USD ( per Chase ). The money was then sent back to Chase on XX/XX/XXXX, at an exchange rate of XXXX EUR : USD ( per Chase ). 

If I look at the data provided by XXXX and other sources, the dollar should have been stronger on the way into XXXX XXXX - XXXX ( XX/XX/XXXX ), and the euro should have been stronger on the way back to Chase in the US XXXX at XXXX - XXXX ( XX/XX/XXXX ). 

I have tried contacting Chase through several channels attempting to better understand the discrepancies between any publicly available exchange rates and those used by Chase for the transfers. 

I have reached out to Chase Bank 's 1-800 customer service line several times, the matter has been escalated to several more senior members of the customer service team, and I have also had separate conversations with multiple financial planners at Chase. 

No Chase employee has been able to provide clarity on any of the following : ( a ) how Chase determines the exchange rate used, ( b ) why there is such a marked discrepancy between Chase 's rates and those found online ( per XXXX and other sources ), ( c ) why I was not informed that there would be hidden fees baked into the transaction, ( d ) who are the parties involved in the transaction and what are their respective fees, ( e ) where and how Chase discloses to customers the exchange rates that will be used in foreign transfers, and any and all fees ( hidden or otherwise ) involved in a transaction. 

It has been complete obfuscation at every touchpoint.
Product: Debt collection

Company charged off written off total amount XXXX and saying XXXX is pat due this is inaccurate reporting to the credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that continued requests for removal of multiple incorrect addresses appearing on my credit report are still entered as home or residence locations on my credit report. I certify that I have never lived at any of the locations listed. I have been at my current home for the past 16 years. 
This information has led to many negative occurrences to my credit and life. 

This is a demand to again, remove these addresses!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm unable to cancel my account with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX my debt to XXXX XXXX. This debt was paid in full on XXXX/XXXX/XXXX. Both XXXX and XXXX show on my credit report as negative. XXXX agreed to remove the debt from reports once paid in full. I have called them multiple times since my XXXX payoff and they are telling me that they have done what they need to do to remove and it 's out of their hands. I have filed disputes with all 3 credit reporting agencies and they say the information is correct. 
XXXX tells me that when they sold the debt to XXXX their negative reporting should have been removed. Again, I have filed disputes with all 3 agencies and am told that the information is correct. Meanwhile XXXX and XXXX say that they have done all the were supposed to do to have removed. 
No one is taking responsibility.
I would like both debts removed from all 3 agencies report.
Product: Credit reporting, credit repair services, or other personal consumer reports

At this time, I respectfully request a copy of my Experian, XXXX and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX, CA XXXX. Your professional cooperation will be greatly appreciated. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax in XXXX of XXXX and XXXX of XXXX regarding the reporting of late payment on my FED Loan account. Equifax is reporting as on time in XX/XX/XXXX, then in XX/XX/XXXX they are reporting 120 day late, XX/XX/XXXX as 120 day late and XX/XX/XXXX as 120 day late. It is not possible to go from paying on time one month and then the next month being 120 days late.
Product: Money transfer, virtual currency, or money service

My stimulus check has not been deposited, the banks number line is disconnecting after a promised 8 min hold. Very unprofessional and the bank has no answers for its clients if funds are pending or not. There was no problem what so ever last year.