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

Experian continue to reporting false and subterfuge later credit history with XXXX  account XXXX. False reporting a credit history is a violation of the FCRA by Experian. This later credit history is falsely reported by Experian which is a violation of Fair Credit Reporting Act. I have dispute this false late credit history with Experian and they refuse to update or delete this account. Experian is the company reporting the false and subterfuge late credit history so they are the company that is braking the law.
Product: Vehicle loan or lease

Subject : Complaint Against Wells Fargo Auto for Non-Compliance with Debt Validation Request To Whom It May Concern, I am writing to formally file a complaint against Wells Fargo Auto for their failure to honor my debt validation request, as per my rights under 15 USC 1692, in relation to the financing of my vehicle. 
My name is XXXX XXXX XXXX, and I am the registered owner of the vehicle with the following details : * Vehicle Identification Number ( VIN ) : XXXX * Make : XXXX * Model : XXXX * Year : XXXX I have been attempting to obtain a copy of the promissory note related to the financing of this vehicle from Wells Fargo Auto. I initially requested this documentation in writing, providing all necessary contact details, on XX/XX/XXXX. 
Despite my repeated attempts to obtain the promissory note and my willingness to cover any reasonable administrative costs associated with this request, Wells Fargo Auto has failed to provide me with the requested information. They have not responded to my inquiries, and this lack of cooperation has left me without access to essential documentation pertaining to my loan. 
I believe that Wells Fargo Auto 's refusal to honor my debt validation request is in direct violation of the Fair Debt Collection Practices Act, specifically 15 USC 1692. This statute requires debt collectors, including lenders like Wells Fargo Auto, to provide borrowers with validation of their debts upon request. Failure to do so is a clear violation of the law, and I am left with no recourse but to file this formal complaint with your agency. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Wells Fargo Auto for their non-compliance with federal law. I urge you to intervene to ensure that I, as a borrower, am provided with the necessary documentation and that Wells Fargo Auto is held accountable for their actions. 
Enclosed with this complaint, you will find a copy of my initial request for debt validation, along with any related correspondence and documentation. I believe this evidence will substantiate my claims and demonstrate Wells Fargo Auto 's disregard for my rights as a consumer. 
I appreciate your prompt attention to this matter and look forward to a resolution that upholds the rights and protections afforded to borrowers under the law. Please do not hesitate to contact me if you require any further information or clarification regarding this complaint. 

Thank you for your assistance in this important matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is the only Consumer Reporting Agency still reporting an inaccurate account on my consumer report. Account RENT RECOVERY SOLUTIONS is an inaccurate account. RENT RECOVERY SOLUTIONS, LLC has failed to validate this account with the oringal contract with my signature. I have know knowledge of this debt, and I have no legal binding contract with RENT RECOVERY SOLUTIONS, LLC. XXXX  and XXXX  removed the account but XXXX  has yet to remove this account which is a violation of the FCRA. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding XXXX  continued willful and negligent noncompliance. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of XXXX  first investigation and subsequent reinvestigation, XXXX  stated in writing that theyverified that this item is being reported correctly? Who verified these accounts? XXXX  have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 611 ( a ) ( 1 ) ( A ). Furthermore XXXX  have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA XXXX  is required to promptly DELETE all information which can not be verified.
Product: Credit reporting or other personal consumer reports

A lot of bank accounts prevent me from opening an account, Ive tried to tell them that some guy scammed me and Ive made a police report about him and I even showed the cops his XXXX. I suffer with mental health and this isnt healthy for me. Its put life at a freeze because of how stupid I am towards people that I think want to help me but in reality its for their own benefit. I dont know what else to do I just dont want to suffer anymore. Please spread awareness about this about scammers on instagram trying to scam hard working class people such as myself. The banks that closed my account are, chase, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I Sent my letter off on XX/XX/XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter I sent out, and here is the Tracking #. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts is still not reporting 100 % Accuracy. And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. Below are the accounts that were assumed to be verified, but have not been. I am asking that all accounts be removed these accounts are reporting inaccurately, improperly, and fraudulently. These credit bureaus are breaking the laws created by the FCRA as well as violating my consumer rights and that will not be tolerated. Listed below are the accounts I expect to be removed. 

Account Name : XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XX/XX/XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX/Dofed- XX/XX/XXXX Account Name : XXXX/Dofed-02/2022 Account Name : XXXX XX/XX/XXXX Account Name : XXXX XX/XX/XXXX Account Name : XXXX XXXX XX/XX/XXXX Account Name : XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Account Name : XXXX These accounts were opened fraudulently. I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting a charge-off account where I am shown as an Authorized User on CRDTONEBNK partial account number XXXX. ( Please see page 5 of the attached credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however Equifax and XXXX have not removed this from my credit report. I have contacted the two bureaus to fix this issue but I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent and has affected my credit file. These unauthorized and unknown accounts are not mines therefore I'm demanding that this accounts be removed immediately. 

1. XXXX XXXX  {$1700.00} 2XXXX XXXX {$2800.00} 3XXXX XXXX XXXX  {$830.00} 4. XXXX {$620.00} 5. XXXX XXXX  6. XXXX XXXX XXXX
Product: Checking or savings account

TD BANK, fraudulently opened a checking account in my name. They sent me a letter notifiying me that the could not access my personal history because my credit was frozen. The next day I receive a XXXX XXXX card in my name with instructions on how to activate it. I looked at my XXXX XXXX company and there was an alert stating someone opened an account in my name. I filed a case with the XXXX XXXX XXXX Case # XXXX. I am awaiting a call back from them. I tried to call TD bank, but no one answers the phone at XXXX XXXX XXXX. I am not filing a fraud report with the XXXX XXXX Sheriffs office located in XXXX, NY.
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX  # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX  doesn't belong to me I was only an authorized user on this account and I never signed any agreement to be responsible for this account I have requested the creditor should remove me from the account and remove this account from my credit history On XX/XX/2023 they informed me that they have removed me from the account however the account is still showing up on my Equifax credit report as a closed account with a Charge-off damaging my credit On XX/XX/2023 I submitted a dispute to Equifax and provided them with the letter from the creditor that I have been removed from the account On XX/XX/2023 Equifax informed me that they have somehow verified that this account belongs to me. 
Again, THIS ACCOUNT HAS NEVER BELONGED TO ME, AND PER THE LETTER FROM THE CREDITOR I HAVE BEEN REMOVED, THIS IS A CLEAR VIOLATION OF FCRA
Product: Credit card

My husband was issued an Amazon.com rewards visa from Chase bank that he had not requested. They would not give us any info on how the fraud was committed and were extremely reluctant to cancel the card. First I tried to call to cancel, but they said it had to be done by my husband. When he called, they refused to cancel it. They said it was now " under review '' and they would call him back later. First, why would n't they cancel it, second, if they wanted to conduct a review first, why could n't they tell me then ask for his info to call back to finalize. They wasted my husband 's time ( 25 min to get that answer ) and wo n't act on cancelling a fraudulent account.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX- DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2020, I was charged a {$25.00} late fee to my credit card issued by Citi. This was due to the fact that I had a balance of {$37.00} on my card at the time. Because of the global pandemic caused by COVID-19, I had to worry about the safety and health of my family first. This led to me forgetting to submit a payment to my Citi card. Prior to this, I have never missed a single payment with Citi. I have tried to speak with 4 different representatives at Citi - both through phone calls and online chat. All 4 representative denied my request to waive the {$25.00} late fee, even during a global pandemic. This reflects on the company as a whole and shows that Citi has such awful and disgusting morals. The fact that they refuse to waive a one-time {$25.00} late fee shows their horrible ethics. I have since already made the minimum balance payment so that my account is already current and up-to-date, yet I still have not received any assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I contacted the company and told them i was a victim of identity theft. here adoes not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX Balance {$130.00} XXXX, XXXX XXXX XXXX  Balance {$270.00} # XXXX, XXXX, XXXX {$440.00} # XXXX, XXXX XXXX {$1300.00}, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXXMidland Cred {$830.00} # XXXX XXXX XXXX XXXX {$1400.00} XXXX re the company . I attached a copy of credit report as well. i could not attach on the next page
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

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 I am writing to dispute the information that appears on my credit report, which was recently obtained from your agency. This erroneous information is negatively affecting my creditworthiness and financial well-being. I assert that the reporting of this information may be in violation of several federal laws and statutes. I request that the Consumer Financial Protection Bureau investigate these matters and take appropriate action to rectify the inaccuracies on my credit report.

I have identified the following issues with the information reported on my credit report : 1. The information reported on my credit report is inaccurate and does not reflect my true financial status.

2. The information reported on my credit report is incomplete and fails to provide a full and accurate picture of my credit history.

3. I have reason to believe that certain information reported on my credit report can not be verified or substantiated by the credit reporting agency.

I request that the consumer reporting agency conduct a thorough investigation into the disputed information and provide me with a written explanation of the results.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle XXXX 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 uneasible. 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 about consumer safety.
Product: Checking or savings account

XXXX / XXXX /   17  Hi, my name is  XXXX   XXXX . My Capital one 360 checking account has failed to send  XXXX   ( App )  my updated copy of my bank statement. I am not able to recieve funds from the app without it being updated.
Product: Student loan

Hello, I am at least XXXX qualifying payments in toward completing the XXXX necessary for PSLF ( Public Service Loan Forgiveness ). Last year, a submitted ECF ( Employment Certification Form ), the result of which raised my qualifying payment count to XXXX. 

Recently, I submitted another ECF to update my payment count, with my expectation that I would now be around XXXX qualifying payments after it was processed. This time, I used the tool via the studentaid.gov site to trigger them to directly email my employer for information. My employer promptly followed up and completed the form electronically. 

The assessment by studentaid.gov however was that my employment reflected on the new form does not qualify. 

I am very confused and frustrated - not to mention upset. I am in the same job, with the same employer, the same number of hours worked per week as last year. Why would there be a different outcome? 

I have reached out to MOHELA, Studentaid.gov, and you, in the hope to get some clarity. In my partner 's past efforts to pursue PSLF, he found that different entities ( servicer, Dept of Ed ) would occasionally have conflicting answers or change their answer if called out for not adhering to PSLF requirements and other student loan related processes. 

Thank you for your assistance!
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting or other personal consumer reports

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

Just received another alert that XXXX put this account back on my credit report. This time, through a collection agency. I've told them repeatedly that this wasn't my account, have provided police reports, etc.