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

Started back in XXXX of XXXX I was a victim of money laundering on pay pal it was my XXXX   XXXX XXXX thought I could trust her turns out not. She called them the next day after she showed me how to get the money out she put in my account to give her, she told them I stole it then she has been trying to get credit cards under my name, so I put an alert on all 3 companies, but synchrony bank did not care even though I made good with they lowered all my cards and some below and even changed me over the limit fees. I dont remember all the dates I wish I did it was amazon care credit now they closed my jc pennys to slowly they are closing all my account ; they sad I have bad collections I do not have any collections at all they lied.i dont understand why they are doing this to me I pay more than they want. I need your help.
Product: Debt collection

NOTICE FOR REQUEST OF CERTIFIED MAIL RETURN RECEIPT WITH MY WET HUMAN SIGNATURE AND CEASE AND DESIST OF SLANDER HARRASSMENT EMBARRASSMENT THREATS DEFAMATION COLLUSION COLLECTIONS FALSE REPORTING & 18 USC 96 CAUSING IDENTITY THEFT HARM NOTICE INTENT TO SUE REPEATED OFFENDER YOU WILL RECEIVE AN INVOICE! 
XXXX : XXXX XXXX XXXX XX/XX/year> DEFENDANT XXXX Portfolio Recovery Associates, L.L.C XXXX D-U-N-S number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXa XXXX XXXX : ALLEGED ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX 
ALLEGED ORIGINAL CREDITOR ACCOUNT NUMBERs XXXX ALLEGED DEBT AMOUNT OR BALANCE {$470.00} TO CONSUMER REPORTING CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX DEAR XXXX Portfolio Recovery Associates, L.L.C. -BULK DEBT COLLECTOR BUYER STOP VIOLATING THE FDCPA USC 1692 [ I NEVER gave your company consent to use this account XXXX XXXX XXXX XXXX XXXX XXXX ] EXHIBIT A1 : I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT. 
ACCORDANCE TO 15 USC 1681s-2 ( a ) ( 7 ) A ( i ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE DELETE THIS ALLEDGED ACCOUNT FROM MY CONSUMER REPORTS IMMEDIATELY. SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY HUMAN SIGNATURE. FORWARD FLOW AGREEMENT, CHAIN OF ASSIGNMENT, PURCHASE AGREEMENT, SECRURITIZED OF THE DEBT. 
EXHIBITA2 : I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I REVIEWED MY CONSUMER REPORT. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE-LISTED ALLEGED DEBT IN ITS ENTIRELY. YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING AGENCIES ( CRAs ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST ABOVE IN EXHIBIT A1 AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED DEBT FROM MY CONSUMER REPORT. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY. OR CFPB WILL SUE Portfolio Recovery Associates, L.L.C. 
BLUNTY, YOU HAVE 3 DAYS TO DAYS TO DELETE IN RECEIPT AFFIANT XXXX XXXX XXXXXXXX XXXX Living XXXX XXXXar from being dead Beneficiary OF XXXX XXXX XXXX XXXX not the TRUSTEE UCC1-308 WITHOUT PREJUDICE WITHOUT RECOURSE STOP PLAYING WITH MY PERSON NOTICE FOR REQUEST OF CERTIFIED MAIL RETURN RECEIPT WITH MY WET HUMAN SIGNATURE AND CEASE AND DESIST OF SLANDER HARRASSMENT EMBARRASSMENT THREATS DEFAMATION COLLUSION COLLECTIONS FALSE REPORTING & 18 USC 96 CAUSING HARM NOTICE INTENT TO SUE REPEATED OFFENDER
Product: Credit reporting or other personal consumer reports

Your agency is in clear violation of federal law! 

15 U.S.C. 1681 Section 602 ( A ) asserts my unequivocal right to privacy.

15 U.S.C. 1681 Section 604 ( A ) ( 2 ) declares that a consumer reporting agency must not release any account information without my explicit, written consent.

15 U.S.C. 1681c ( a ) ( 5 ) mandates that a consumer reporting agency must not include any adverse information older than seven years, except for criminal convictions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from providing a consumer reporting agency with information they know or should know is inaccurate. 

DELETE this immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name Address XX/XX/XXXX Equifax Information Solutions LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX and XXXX XXXX XXXX XXXX XXXX   {$270.00} XXXX XXXX  {$110.00} XXXX XXXX  {$220.00} XXXX XXXX {$210.00} XXXX XXXX {$250.00} XXXX XXXX  {$230.00} XX/XX/XXXX I received a email dispute confirmation all six Disputes. XX/XX/XXXX I sent the {$0.00} balance receipts for each account that were emailed directly from original provider XXXX XXXX XXXX  XXXX. Debt XXXX XXXX and XXXX XXXX requested the validation information from XXXX and to this day have yet to t receive any response. Its now been more than 90 days since the request for debt validation. 
XX/XX/XXXX I received the letter from Equifax stating the debt was verified. I've spoke to a representative from XXXX and XXXX XXXX to inquire how the debt was validated. I was told they were still waiting for a response from XXXX. This was almost sixty days from when they received request for validation. 
I request that you describe the procedure adopted buto verify this claim, along with the names of the businesses, addresses, and phone numbers of those who have been contacted during this process. This is my right under the Fair Credit Reporting Act. It is disappointing to find a credit bureau not following the proper procedures and does not maintaining the accuracy norms. I request that you comply with the law and furnish me with the information I've asked for within a period of 15 business days. 

XX/XX/XXXX Dispute ( XXXX XXXX and XXXX XXXX ) Confirmed ( ie letter ) XX/XX/XXXX Dispute documents ( Six Paid Receipts ) received Confirmation ( ie letter XX/XX/XXXX Confirmation XXXX XXXX  Dispute Status Validation Confirmed XX/XX/XXXX Confirmation XXXX  XXXX XXXX and XXXX XXXX disputed accounts remain on credit file. 

Sincerely, My Name XXXX  www.CONSUMERFINANCE.GOV
Product: Credit card or prepaid card

I don't get paid regular as when I first receiced the card from XXXX employer so I had been using it as a debit card by loading money on it to pay my bills. last month I put {$50.00} on it to pay some bills and was hit with a automatic {$17.00} charge, when I check the statement I saw 17 seperate XXXX  dollar charges at the same time. I call customer service and they told me that XXXX sent those charges. I called XXXX and they said they only sent it once. XXXX Netspand has refuse to return the charges. The next insident was on XX/XX/2020 I went to the XXXX gas station because I still had {$8.00} dollars on the card and tried to use it buy some gas and the pump cancelled the transaction, I had to pay the teller with cash. When I got home I received a text message from netspent XXXX that my card has XXXX ballance from the XXXX transaction, XXXX Netspend has refuse to return the funds to the card. 
Card # XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit file was not corrected as a result of your research. I've already told you that my report contains accounts that are the consequence of identity theft. Please conduct a re-investigation and notify me of the outcome.
Product: Checking or savings account

I have never been a client or customer of CitiBank, and I received a debit card and temporary PIN number in the mail today, Friday XX/XX/20, from them. I did not ask for an account to be opened or request a debit card. I immediately called and was connected to the Debit Card Fraud Department, spoke to XXXX, and froze the account. I have not received any checks in the mail, but I told her the sending of the debit card in the mail unwarranted is against the law. She said they will do an investigation on their end and to call Citibanks Citi Identity Solutions Dept. when they are open on Monday, XX/XX/XXXX. I told her that I need a confirmation in writing mailed to me of the closure of the account, but she said I need to reach out to Citi Identity Solutions for that letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

VIOLATION OF FDCPA
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. 

and list of Inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX5 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: Checking or savings account

PNC Acct info : Reserve - short-term savings XXXX - {$390.00} PNC says they will close my account - This is the acct that I use, this is my only acct - how will i pay my rent, how will i pay my bills, I tried to work things out with them but they refuse. 
Can you help I'm currently a XXXX and I have really tried to call, and speak with the reps, I've tried to email the manager - No response
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX XXXXXXXX ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX XXXX Experian . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX OHIO XXXX OF XXXX XXXX Date Opened XX/XX/XXXX Balance {$12000.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$180.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$480.00} XXXX and XXXX Date Opened XX/XX/XXXX Balance {$1800.00} XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX CARD ( Bank ) XX/XX/XXXX 2023
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns with Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the Zelle 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 tracking these transactions was unfeasible. The CFPBs 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: Mortgage

Banco Popular of Puerto Rico offered consumers a mortgage moratorium due to Covid19. The initial written offer was a 3-month payment moratorium, to be paid at the end of the mortgage. After us accepting the 3-month moratorium, Banco Popular sent a written confirmation letter acknowledging the mutual agreement. A month later they sent another letter extending the period to a 6 months moratorium. We reiterated that we wanted to stick to the 3 months already agreed on. A month later Banco Popular called us to say that to qualify for the moratorium, had to be at least 4 payments sent to the moratorium, we again stated we wanted to stick to the 3-month agreement, but we were advised not to pay the mortgage for the 4 months required to qualify. Last month they sent a new letter demanding payment for the 4 months that were supposed to be part of the agreement. 

We scanned and sent them the official letters they had sent on accepting the moratorium. Today we tried to process the XXXX payment as instructed and they refused to post it to the mortgage account. Somebody has to make Banco Popular responsible to honor their written offers. We did not ask Banco Popular for a payment moratorium, they offered it and accept it in writing. This situation is causing us distress and mental anguish as the only thing we did was to follow instructions on their offer. Can you help? According to other Banco Popular employees, there are hundreds of consumers going through the same ordeal. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraud alert on my credit report and I have called and sent a letter to have it removed but I have not been able to have it removed.
Product: Credit reporting or other personal consumer reports

Recently, I mailed a letter to requestion verification of inaccurate accounts reporting on my credit report that Transunion maintains in the file under my social security number. I received a response XX/XX/scrub>XXXX XXXX XXXX  stating that all the accounts were verified as accurate. I asked them for their method of verification including any documents provided bearing my signature, showing that I have a legally binding. They acted and bad faith and did not provide any type of documents as required per FCRA 611 ( a ) ( 7 ).

Once again I am challenging the accuracy, compliance and reportability of these listing and formally requesting a description of the procedure that Transunion used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ). 

Per the FCRA they are required to provide this information within 15 days or delete the negative items from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Reporting Agency - Unable to place credit freeze. I have already mailed information, received credit report that I had already pulled online. Credit report number XXXX. Their system says this is invalid. I also found the last 4 digits of my social security number incorrect on report. I can not reach anybody and keep getting kicked out of their system. I only have online contacts or phone numbers that go nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Target Credit Card has been closed since I closed it XX/XX/2022 and yet it shows open and current even after disputing issue with XXXX XXXX three times. I need your help to remove its active status from my reports. 
XXXX XXXX Account ending in : XXXX Please remove this account or show that it is closed. 
Thank you.
Product: Credit card

Initial Citibank credit card transaction on XX/XX/XXXX in the amount of {$4000.00} paid to XXXX company XXXX for a vacation deposit. 

On XX/XX/XXXX, I received an email from XXXX stating their company has cancelled my vacation. 

I contacted Citibank by phone on XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, and XX/XX/XXXX informing Citibank representative, supervisor and customer service manager that I would require a refund of the vacation deposit in the amount of {$4000.00} since goods and service ( in this case a vacation ) was not received by the merchant. The merchant cancelled my vacation without my request/permission. 

I have also written and mailed a letter to Citibank on XX/XX/XXXX and XX/XX/XXXX. Citibank states they are not able to help and suggested I contact a lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 602 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 OR INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN XXXX YEARS. 

15 U.S.C 1681s-2 { A } { 1 } A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE XXXX... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to file a complaint with your office about Equifax credit reporting Agencies On XX/XX/XXXX I filed a lawsuit in court on the Above Company. for Failure to Respond to a consumer dispute with in the time allow which is 30 days per the FCRA On XX/XX/XXXX court date the Judge in XXXX County Minnesota Found the Defendant Equifax guilty of the FCRA violation! Court case # XXXX per the FCRA if any of the reporting company or such agencies failure to complete an investigation the accounts or such trade lines must be Deleted I recently reviewed my credit report with the listed company above they are still reporting all of the accounts that broke the law on from the start On XX/XX/XXXX! Also as of today they are still in violation of the FCRA. Equifax just Will not Learn But I will Tell you this Much if the Tradelines are not removed by Midnight On the date of XX/XX/XXXX I XXXX XXXX XXXX Will File Yet another suit on the above Company! I promise you people are way out if Line! CFPB you and FTC needs to do more in your roles about these reporting company this is why they Do it because you guys dont do your Jobs as well I mean you see these Violation and yet you do Nothing! But for the burden of proof I will not set around and Take Equifax or anybody else XXXX   after speaking with a Lawyer the Other Day he stated Well keep on suing them and I promise I will Equifax XX/XX/XXXX at Midnight or I will see You back in District court for a mush much larger settlement promises! 
Remove the accounts you lost your chance to report these tradeline because you failed to do your Job per the FCRA ARE YOU NOT ALLOWED TO REPORT THESE ACCOUNTS ITS NOT HARD TO UNDERSTAND! 
1 XXXX 2 XXXX 3 XXXX XXXX XXXX 4 XXXX 5 XXXX 6 XXXX 7 XXXX XXXX  8 XXXX XXXX 9 XXXX XXXX XXXX XXXX XXXX  / XXXX 10 XXXX XXXX   11 XXXX XXXX
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT My account with XXXX  was never late! I have had exceptional payment history with 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 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 myaccount 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 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 or other personal consumer reports

please check the information concerning the Equifax data breach bellow in attachments