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

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you XXXX be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Product: Credit card

my credit was used due to fraud they report I went over my balance to the credit bureau. they closed the fraud card but opened a new account its now showing XXXX cards on my credit report because I was late XX/XX/2014 it showing as XXXX cards late instead of just XXXX card late because its the same account. I need they to report correctly to the credit I was NOT over the limit now was I late on XXXX accounts. they did reserve the charges but but are not correcting my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Zelle a while ago in 2022 via phone saying they could not do anything for my issue with XXXX putting me on the global restriction list. I have been unenrolled through Zelle by them. I would like to be able to use my Zelle account email and phone number. I am unable to access or use money transferring services like Zelle or XXXX because of this. I also contacted XXXX, attached in the screenshots.
Product: Consumer Loan

I purchased a vehicle from XXXX in XXXX 2016 and I had a deferred down payment for {$800.00} and then I started making payments biweekly from day one. I noticed that my principal balance did n't change after the initial XXXX payments, I called XXXX and was told ( after talking to a few different individuals and different stories ) that the first XXXX payments were interest only payments and when I ask was this is writing, the lady told me, " it should be ''. I reviewed my loan paperwork and I did n't see anything even close to this notated in the contract. So at this point, I would like to see what I can do to resolve this issue or go after XXXX for False advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. 
Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : 1.XXXX XXXX & XX/XX/XXXX 2. XXXX XXXX & XX/XX/XXXX 3. XXXX & XX/XX/XXXX XXXX & XX/XX/XXXX XXXX XXXX  XXXX & XX/XX/XXXX XXXX & XX/XX/XXXX XXXX  XXXX  & XX/XX/XXXX XXXX & XX/XX/XXXX XXXX & XX/XX/XXXX XXXX XXXX  & XX/XX/XXXX XXXX XXXX & XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My  contact information is as follows : XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act and the federally protected rights it provides the following accounts are listing improper late payments on my credit report. I have also attached a court order upholding my responsibilities to the following accounts. 

XXXX XXXX XXXX  - Account # XXXX Late Payment reporting on XX/XX/XXXX XXXX - Account # XXXX Late Payment reporting on XX/XX/XXXX 15 U.S.C 1681B - Permissable Purposes of Consumer Reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 

15 U.S.C 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C section 604 A ( 2 ). States a consumer reporting agency can not furnish without my written instructions.
Product: Money transfer, virtual currency, or money service

I am filing a compliant against cash app ( Block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

Money was sent to to a lady on XXXX XXXX to hold a couch for me, i have now found out she was a scam! 
I contacted PayPal shortly after the money was sent but they refused to refund and closed the Investigaton. 

Transaction Details PayPal Transaction ID XXXX Transaction date XX/XX/2022 SENDER XXXX XXXX XXXX RECIPIENT XXXX XXXX XXXX Money sent {$45.00} USD Fee {$2.00} USD Paid with : XXXX XXXX XXXX XXXX {$47.00} USD
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed XXXX, XXXX, and Transunion letters multiple times between XX/XX/2022 and XX/XX/2022. I have explained to each of these reporting agencies that there is an account showing on my reports that IS NOT MINE, it is INACCURATE and does not belong to me. I have wrote each of these credit reporting agencies and explained that I have no knowledge of this account and it is identity theft.
Product: Debt collection

Representatives from Navient continue to call and harass me about my daughter 's student loan. It is not my loan and I am not a co-signer on the loan. The most recent call was XXXX from a woman named XXXX she left the number XXXX XXXX XXXX. They call me at work and at home. I have asked them to stop calling me but they continue to call.
Product: Payday loan, title loan, personal loan, or advance loan

This loan currently shows as delinquent although it is currently fully repaid. The loan should reflect my punctual repayments immediately.
Product: Credit reporting or other personal consumer reports

I have account that are not accurate and possibly fraudulent as to I have never done any business with the following companies : XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. I have requested documentations and proof of claims from all of the above companieswhich I have no records of ever doing any business or establishing any contracts for business with the above Third Party collections agencies. Pleasedelete the account at once.
Product: Debt collection

XXXX XXXX XXXX XXXX WY XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX TX XXXX DEAR EXPERIAN XXXX am writing to formally dispute the reporting of the charge-off account associated with account number XXXX AMOUNT OWE {$4500.00} my credit report, Under the FAIR Credit Reporting Act ( FCRA ), specifically 15U.S.C1681i ( Reinvestigation of Disputed Information ), and 15 U.S.C 1681s-2 ( Responsibilities of Furnishes of Information ), I am entitled to request and receive complete and accurate documentation to verify the accuracy and legality of this accounts reporting. Additionally, under WA law, I am requesting proper validation of this debt. 

I would like to highlight several cases that affirm my right to dispute this information and request accurate reporting. In CUSHMAN V. TRANSYUNIONCORP,115 F.3D 220 ( 3d Cir.1997 ), the court emphasized the duty of credit reporting agencies and furnishers to ensure the accuracy of the information reported on consumers credit reports. Furthermore, JOHNSON V. MBNA AMERICA BANK, NA ,357 F.3d 426 ( 4TH Cir.2004 ) reinforces the requirement that furnishers conduct proper investigations into disputes and verify the accuracy of their reporting.

To properly validate this account, I am requesting the following : I am requesting full double- entry accounting records for the account mentioned. This should include a detailed breakdown that shows how all transactions were debited and credited, ensuring compliance with standard accounting principles. Please note that I do not wish to receive a simple list of charges or statements. I expect authenticated evidence of the debt. 

In addition to the accounting records, I require authenticated evidence, in compliance with WA law, that you have the legal right to report and collect this debt. This includes original signed contracts or agreements that show my obligations to pay the debt and your legal right to enforce collection and report it to creditors without evidence, the continued reporting of this debt may constitute a violation of both federal and start consumer protection laws.

If this debt has been forgiven, canceled, or settled for less than full balance, I am requesting a copy of the 1099-c form filed with the IRS, which is required if the canceled debt exceeds {$600.00}. If you have not provided this documentation, the debt may be considered discharged, and it should no longer be reported as owed to my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent a certified mailing to XXXX XXXX, that was received XX/XX/XXXX, advising that I've recently pulled my credit report and noticed an account from them listed on my credit report. The letter advised that I was requesting that the debt be validated. By law, I have the right. By law, agencies have 30 days to respond. XX/XX/XXXX made the 30 day mark and the company never responded with any validation of debt to myself or the credit bureau. XX/XX/XXXX, I sent a certified letter to XXXX requesting the deletion of the above referenced account due to non response. I also sent a certified letter to Experian requesting that the account be deleted immediately due to non compliance. Experian sent me a new credit report dated XX/XX/XXXX advising the account information was updated. This is against the law as it's outside of the 30 window. This account needs removed, immediately. I've attached a copy of the deletion letter sent to both XXXX and Experian along w/ the associated certified return receipt. I've also attached a copy of the certified receipt for the initial contact in XXXX.
Product: Credit reporting or other personal consumer reports

Hard inquiries were done without my authorization, 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ... .Requesting that these accounts be removed. 

In accordance with the Fair Credit Reporting act XXXX  Account 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.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I was notified via text message that a wire payment of {$390.00} was attempted on my account and prompted a " YES or NO '' response which I replied " NO ''. In doing that, I received a call from what I thought was Wells Fargo and I only thought that because I have their Online Support number saved in my phone. The person that called me definitely did not work for Wells Fargo, which was unbeknownst to me at the time. The person made me think that he was handling the issue and then let me know of a {$9000.00} wire that was also being attempted on my account so what I thought was a process to prevent the wire from being released as well as close and secure my account was actually the person stealing from me. I noticed the {$9000.00} missing from my account first thing the next morning ( XX/XX/XXXX ) and called the same number that originally called me and when I explained the whole thing to an actual Wells Fargo fraud department member to ask about the missing {$9000.00}, they had no idea what I was talking about. That is when I knew I had been taken advantage of and stolen from. I properly filed the claim with WF and closed and secured my account. I was told it would take 9-10 business days to conduct the investigation and on that 10th business day ( XX/XX/XXXX ) I called and was told that they couldn't get the {$9000.00} back from the scammer 's beneficiary bank and that there was nothing they could do and that the loss was mine. The resolution letter that I also received on XX/XX/XXXX was dated XX/XX/XXXX saying the same thing. Which says to me that an investigation was not really conducted and that victims of scams do not really matter to them because this is all because I believed I was talking to an actual Wells Fargo employee because it was in fact, their ACTUAL online support number. I do not accept the result I was given and I am thoroughly disappointed in how their wire process is conducted as I was never once contacted by anyone to approve the wire as this was the first wire ever attempted on my account in my TEN YEARS of banking with them. Their negligence has costed me a tons of undue financial stress and {$9000.00} of my hard-earned money.
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 has 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in XX/XX/XXXX with Walmart, XXXX XXXX, XXXX and XXXX. My complaint was inaccurate information on all three credit reports that came from one furnisher. 
Synchrony Bank provided all three credit bureaus my account information and all three document different information on my credit reports. 
The date of last delinquency XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX did they re-age my account? 
Charge off sequence according to XXXX XXXX is in accurate. 
XXXX XXXX has payment until XX/XX/XXXX I made payments XXXX and XX/XX/XXXX XXXX has payment until XX/XX/XXXX says 60 days late also 60 days late XX/XX/XXXX XXXX has payment until XX/XX/XXXX late 30 ,60 ,90 days charge off XX/XX/XXXX also XX/XX/XXXX I was not 30 days late. I received a request from Synchrony for more information. completed and faxed back. XX/XX/XXXX I received updated credit reports saying all information was VERIFIED and ACCURATE. I replied with the attached letter dated XXXX XXXX asking how and when this information was verified. XXXX XXXX removed the account. XXXX and XXXX did not fix the problem nor answer the question. XXXX has delete my payment history. XXXX removed my payment history from XXXX and continue to report on a charge off account in XXXX. How is this fair or accurate. 
Please see my attached letter dated XX/XX/XXXX it list the multiple calls I have made to Synchrony to have this account removed.
Product: Money transfer, virtual currency, or money service

I received a call on XX/XX/2022 at XXXX from an automated caller saying that there was fraudulent activity on my CashApp account and that my CashApp account had to be closed because of it and to press 1 to connect to CashApp customer service for help recovering my account. I pressed 1 and a male answered the phone CashApp customer service and I said yes, what is your name? And he immediately started babbling like a baby. I replied with ok so whats your name or are you going to continue to pretend to be a child? And he hung up on me. 

The call showed up on my caller ID as : Spam Risk XXXX, SC XXXX ( XXXX ) XXXX I have now reported it and Im blocking the number from my phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute concerning inaccurate information on my credit report. It's been well over 30 days ( it's actually been months ) and I haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change.
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
To make matters worse, it 's been reported that they 're giving random information as to whether specific individuals had their information compromised making it impossible to know. This was systematically tested, proven, and documented at the following website XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 's website is incredibly vulnerable to SQL-injection hacks and is incredibly insecure.
I really appreciate the CFPB for escalating my concern.
Product: Credit card

The interest rate got too high, i paid more than minimum due and got stiffed.