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

transunion has a web site failure for my acct. i want this to be fixed, also the data is way too old to be posted.i want this situation to be fixed.
Product: Payday loan, title loan, or personal loan

Applied for pool loan for {$30000.00} through Lyons financial. They distributed {$15000.00} to my contractor. Due to the length of time its taken to complete my pool project I have decided to reduce my loan amount to only half paid to my contractor {$15000.00}. The customer service agent informed me she was unable to cancel the other half of my loan but I could pay off the loan early. The interest accrues daily on this loan and I do not want to pay interest on my money which I explained to her and my payments will be based on the original amount of the loan so they will be much higher than I want. I repeatedly told her that I do not want to extend to the full amount. XXXX XXXX informed me today XX/XX/2020 at XXXX XXXX that she would have to escalate to senior leadership.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a bankruptcy with XXXX and XXXX twice and they have failed to follow the law. After reviewing my credit report I noticed that there is STILL a U.S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The original creditor in this case would be the U.SXXXX Bankruptcy Courts, The Bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. PLEASE SEE ATTACHED BANKRUPTCY LETTER. XXXX and XXXX is also violating 15 USC 1681b ( a ) ( 2 ) considering they do NOT have my consent to furnish any information. Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumers report. Activity and continuous violations are causing me great injury as XXXX and XXXX is preventing me from receiving credit to support and sustain my family. Public records information is NEVER validated by the Recorder of Deed nor the U.S. Court system due to Fair Credit Reporting Agency PRIVACY LAW. As required by FCRA 611 ( a ) ( 7 ), no information was provided after the 30 days.
Product: Credit reporting or other personal consumer reports

account ending in XXXX and opened XX/XX/2015. Believe it was a XXXX XXXXXXXX XXXX XXXX This was repossessed without discussing options to pay or recover. The company refused to provide proof showing attempt was made to sale vehicle at fair market value and balance remaining in report is excessive
Product: Debt collection

1 - XX/XX/2020 Received phone call from XXXX XXXX XXXX, Representative, XXXX XXXX. 
2- Claimed that they had sent a letter out previously concerning a credit card debt with HSBC in the  amount of {$2500.00} 3- Insisted that I either pay now or make arrangements to pay or I would be reported as " Refuses to Pay ''. 
4 - I informed XXXX XXXX that I have received no written correspondence concerning her claim and that there is nothing on the credit report from HSBC. 
5- She then sent me an email and we agreed for her to call back XX/XX/2020 6 - I printed the email and mailed a letter to XXXX XXXX XXXX and HSBC asking for verification of the claim. 
7 - XX/XX/2020 XXXX MST. XXXX XXXX Called back a day earlier than scheduled. 
8- I informed her that I had sent a letter asking for verification of the claim. 
9 - She insisted that the emailed letter was verification. That is a Lie - No copy of a billing statement was included with the email. 
10 - She also stated that a previous letter was sent by mail over 45 days ago. I asked if it was sent by certified mail. She said that " Yes, it was ''. I asked for the certification and tracking numbers. She said the she didn't have it. Because it was sent by someone else. 
11 - I said that I'm not refusing to pay. There are many scams. I just need verification.

She stated " See you in Court '' and hung up.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me tracking transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving consumers vulnerable to scams.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a serious matter concerning the unlawful furnishing of a fraudulent collection account on my XXXX credit report by Convergent Outsourcing. This unjust reporting has persisted for approximately XXXX years, and I believe it is crucial to address this issue promptly. 

The account in question is as follows : Account Number : XXXX Date Opened : XX/XX/2019 I am formally requesting that the Consumer Financial Protection Bureau investigates this matter and takes appropriate action against Convergent Outsourcing for their unlawful and fraudulent practices. Several key issues highlight the severity of this situation : Lack of Licensure in the State of Florida : Convergent Outsourcing is not licensed to collect debts or furnish information to credit bureaus in the state of Florida. This violates Florida state laws and regulations governing debt collection agencies. 

Violation of the XXXX XXXX : Convergent Outsourcing 's operations are in direct contravention of the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). This system clearly defines the states in which collection companies are authorized to collect debts. The inclusion of Florida is conspicuously absent from their authorized states. 

Given these violations and the absence of appropriate licensure, it is evident that Convergent Outsourcing 's collection activities and reporting on my credit report are in direct violation of Florida state laws and the XXXX framework. 

In light of these circumstances, I formally request the following actions to be taken : Immediate Removal/Deletion : I request that the fraudulent account, Account Number XXXX, which has been reported to XXXX, be removed or deleted from my credit report without delay. 

Investigation and Enforcement : I urge the Consumer Financial Protection Bureau to investigate Convergent Outsourcing 's unlawful debt collection and reporting practices in Florida and take appropriate enforcement action against them to prevent further harm to consumers. 

Prevent Future Violations : I request that the CFPB takes measures to ensure that Convergent Outsourcing and similar entities adhere to state and federal laws governing debt collection practices, preventing future violations. 

I have attached copies of relevant documents that support my claims, including proof of Convergent Outsourcing 's lack of licensure in the state of Florida and their exclusion from the XXXX framework for debt collection. 

I am grateful for your attention to this matter and your dedication to protecting consumers from unlawful debt collection practices. I look forward to a prompt resolution of this issue and the removal of the fraudulent account from my credit report. 

Please do not hesitate to reach out to me if you require any further information or documentation to assist in your investigation.
Product: Checking or savings account

AS AN CONSUMER AGAIN, I CAN NOT BE DENIED CREDIT. I TOLD THESE PEOPLE I NEVER OPENED AN ACCOUNT WITH THEM AND THEY STILL CLOSED THE INVESTIGATION WITH FOOLISHNESS. AGAIN THEYRE VIOLATING my federally protected consumer rights 15 U.S Code 1642 15 U.S Code 1681M 12 CFR 1002. I Sent them a Adverse notice through an email I was provided. So again try again. NEVER RECEIVED A FRAUD # AS WELL. So what information are you even talking about to be exact?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrectly to Experian and XXXX  a collection in the amount of {$3500.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I cancelled this account and returned all of the equipment back to XXXX, paid what was owed and therefore there is no outstanding balance to report. This account needs to be removed from collections and deleted from my credit report. This false reporting of a collection is seriously harming my credit score. I have contacted the bureaus to remove this item however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to ALLY FINANCIAL ( Opened XXXX XXXX, 2014 ) agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting ALLY FINANCIAL agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Debt collection

Hi, how are you? Why is a collection shows past due and late payments? I thought by default a collection is by default late and past due. It's a violation of fcra and fdcpa and it's illegally re-aging this account. I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. I am a living human being I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

PNC closed my account and did not notify me. I receive direct deposit into this account which is used to pay my mortgage and have to wait due the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX XXXX  credit union repossessed my car. The company is reporting incorrect and inaccurate account information to all three credit bureau. I never received a letter stating the company was coming to get the vehicle. I was only late 30 days before XXXX repo the car. On my credit report it shows that the car was repossessed in XXXX which is not true I was in the hospital with XXXX at the end of XX/XX/2021 my car was already gone. My car was repossessed on XX/XX/2021 for being 30 days late. 

the are reporting XXXX different account number for the car loan. XXXX account shows the repo and the other account shows the balance after the car was sold. 

account number ending XXXX XXXX is showing {$1800.00} account number ending XXXX XXXX is showing {$17.00} and is saying unsecured for a car auto. This is inaccurate both account number belong to the car loan.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year>. Since then the date of last activity has been inconsistently updated. On TransUnion the date last active is ( XX/XX/year> ) and on XXXX its ( XX/XX/year> ). If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete this account XXXX XXXX ; Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not delinquent, late or past due on XXXX XXXX. 
Funds are being kept in a separtate XXXX account until XXXX custody is modified. 
XXXX is still reporting me as late or delinquent, but they are with holding XXXX XXXX payments into an account until further actions on XXXX XXXX modification. 
Credit reporting agencies will not investigate this matter. 

I AM PAYING XXXX XXXX! 
NEVER BEEN LATE!!
Product: Credit reporting or other personal consumer reports

They continue to say XXXX and us bankruptcy court verified the information as accurate. All of my information has been sealed and can not be verified which means XXXX XXXX  Equifax and XXXX are all liars and providing false information I have provided letters from the court and XXXX that the information is not verifiable please resolve now
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX  Balance : {$5600.00} TransUnion XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX Balance : {$1700.00}
Product: Credit card or prepaid card

For at least the last two months Crypto.com has refused to give me access to my funds on my Crypto.com XXXX card. Ive contacted them on at least four different occasions and theyre still keeping my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft which placed false information on my credit reports including unauthorized inquires on my Equifax credit report. I submitted the relevant information to Equifax online, e.g. an Identity Theft Report, a Police Report and did so via my verified MyEquifax account. Despite the clear requirements of Section 605B of the Fair Credit Reporting Act, Equifax has failed to block the inquiries as required by law.
Product: Credit reporting or other personal consumer reports

Ive been constantly calling Experian and they will not help. This is my 8th time calling in 3 months trying to fix this situation with Experian and they do not seem to care what happens, I have let them know in past complaints that there are unauthorized inquiries in my report, and since these are not mine they should be completely wiped out and deleted from my consumer report. I have called in several times and the customer service line never wants to help, they put me on hold for 30 minutes or more and ask me to talk to the issuing company about the inquiry. Why? I did not make those inquiries, I supply them with all my correct personal information so they know its me, and im letting them know that they are completely unauthorized, yet they do not do anything about it. Experian has impeded me from getting other credit products and this is just unfair since I pay all my debt and due dates on time every single month. This company is supposed to be protecting customers and they need to be corrected and I wish they would listen to consumers. They are causing me constant XXXX and stress, please help.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I sent {$1000.00} to my sister via Zelle, using her email address since it was already saved in the system. Zelle confirmed the transaction as successful, and I checked the email multiple times to ensure it was correct. However, my sister never received the money. It turns out she had added her phone number to Zelle, and the payment was supposed to be sent to that phone number, not the email.During this time Zelle did not give me the option to cancel afterwards to ensure the right payment to the person. They implemented this when I went to send money on XX/XX/year>. 

Despite the payment being processed successfully, I have no idea where the money went. The same day, I contacted Zelle customer support, and they told me there was nothing they could do and that I would have to wait XXXX  days to see if the money would be returned. Unfortunately, that didnt happen. 

A week later, I called my bank ( XXXX ) to dispute the transaction, but they said there was no error and that they couldnt help. They confirmed the payment was processed correctly, but clearly, the money was lost, and neither Zelle nor my bank is offering any assistance in retrieving it. 

Now, XXXX stuck with no way to recover the {$1000.00}, and no one is willing to help. XXXX looking for advice or guidance on how to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to reach out to all 3 credit reporting bureaus with no success. 

Due to Covid-19 my only source of income other than my Social Security are my EDD payments. Unfortunately my EDD account has been flagged and suspended until I can re-verify my identity which I can not due because my driver 's lic. and passport have expired and they are the only 2 ways to start the verification process. I have applied for a new lic. which can take up to 6 weeks to receive. 

Consequently I have not been able to pay many of my bills on time or in full. This has dramatically effected my credit scores. I am hoping that there is a way to intercede on my behalf to remove negative comments until my EDD payments resume.
Product: Checking or savings account

On XX/XX/2023, an order was placed through XXXX. The order never arrived. So I promptly contacted the good people at XXXX and they refunded my XXXX to my card ending in XXXX. 

In the past with any other company the money comes quickly. It is now XX/XX/2023 and not only did I not receive a refund PayPal deleted the transaction from my account all together. 

I have friends that told me that PayPal Steals and I am even a member of the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX This transaction where I was able to catch them tells me that I am not the SPECIAL ONE and they are probably doing this to thousands of people and the government here in the United States needs to do something about this problem. 

cc : XXXX XXXX XXXX President Joe Biden
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't Authorized ( Authorization ) too view or pull credit report ( Identity Theft Victim / XXXX Data Breach )  .... 


XXXX details : XXXX XXXX XXXX from XX/XX/2018 XXXX. 
XXXX XXXX XXXX from XX/XX/2018 XXXX. 
XXXX XXXX from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/2018 XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX : XX/XX/XXXX : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal mobile phone account opened at XXXX XXXX on XXXX, XXXX under the account number ( XXXX ) with a balance of ( {$3200.00} ), a collections account opened at XXXX XXXX XXXX ( Account Number : XXXX ) on XX/XX/XXXX with a balance of ( {$480.00} ), a collections account opened at XXXX XXXX XXXX ( Account Number : XXXX ) on XX/XX/XXXX with a balance of ( {$2200.00} ), XXXX XXXX XXXX ( Account Number : XXXX ) on XX/XX/XXXX with a balance of ( {$720.00} ), HARD INQUIRY from XXXX XXXX XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.