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

Dear Consumer Financial Protection Bureau, I am writing to express my frustration and concern with XXXX and Transunion, two major credit reporting agencies, for their negligence in handling my credit report. For many years, I have been dealing with an incorrect credit report, and despite my efforts to rectify the issue, it has persisted, causing significant financial harm. 

Upon reviewing my credit report insight, I noticed that the summary indicates that I have been 98 % paid as agreed on my accounts, but there is one negative account on my credit report. However, there is no indication of which account is negative, leaving me in the dark about why my credit score has decreased. I have contacted XXXX multiple times to request information about this negative account, but they have been unable to provide me with any information. 

As a result of this error, I have suffered financial pains for the past five years, losing thousands of dollars due to higher interest rates. This error has caused me significant stress and anxiety, and I am no longer willing to tolerate it. I believe that the negative account may be related to a dispute I submitted regarding an account with XXXX XXXX XXXX years ago, which had an erroneous late payment due to early termination and insurance loss. I am adding them to this dispute, as this might be an issue related to them but can not explain why XXXX is correct but Transunion and XXXX are reporting wrong. 

On XX/XX/2023, I reached out to XXXX again to request help in finding the discrepancy in my credit report, but the representative I spoke with was not empathetic or helpful. They simply told me that they would send me a report and that I should indicate if something was wrong with it. Additionally, I was told ( erroneously ) that this could be caused by MyFICO, which I ended up getting a membership to prove it has nothing to do with them as they are not a credit bureau. I added the report in a reduced format ( as the original document is over 20 Mbs ), as it indicates an issue with the XXXX account previously mentioned. 

Anyways, I received my credit score via mail on XX/XX/XXXX, and the same error was present in the report summary, despite my previous request for assistance. 

I have also submitted a complaint report to the Federal Trade Commission ( ID : XXXX ), but I am hoping that the Consumer Financial Protection Bureau can also intervene on my behalf to ensure that this issue is resolved quickly and effectively. I am seeking your assistance in correcting this error and restoring my credit score to its rightful place. I have a reference number for my previous interaction with XXXX, which is XXXX. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

As of Thursday, XX/XX/2022, I am unable to access my checking and savings accounts, via my cellphone, when I dial the XXXX customer service number at USAA ; in that the portion of the automated message that would normally prompt the caller to key in their phone pin or their member number, is completely missing, when I call customer service; and instead, I am forced to wait on the phone for the USAA customer service rep, to provide me with my balance or to transfer monies FOR me, from my savings account to my checking account or vice versa, which I FULLY capable of doing MYSELF! But EVERY month, around military pay day ( for retirees ), a NEW problem arises, involving MY bank accounts, at USAA, that USAA SHOULD be able to RESOLVE, ITSELF, without me having to file another complaint with the Consumer Finance Protection Bureau.
Product: Debt collection

Lvnv Funding LLC started reporting on all my reports XX/XX/. They are currently reporting on all 3 national reporting agencies. They do not have the authority to collect anything from me. Per the Illinois Department of Financial and Professional Regulation, they are not licensed in the state of Illinois to collect anything as they do no have an active license for Illinois. This has been reporting for nearly 2 years negatively affecting my credit profile and making it hard to purchase a home. They have no legal grounds to collect anything from me, furthermore when I requested them to validate the debt was mine, they could not. I would like this collection removed from every single reporting agency and updated ASAP. Please see the screenshot showing they have an active license in SC, not IL. There are 3 different collections showing, their account numbers are as follows XXXX XXXX XXXX XXXX
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 impossible and that tracking these transactions was infeasible.The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated 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

I was denied to reopen my or open a new account. Because, I am a person XXXX XXXXXXXX.
Product: Debt collection

On XX/XX/2019, I sent an email to Advance America. In that email, I stipulated that it is against FDCPA to  make continuous calls or emails. I am confirming that the small debt of {$310.00} is owed however, I have been placed on medical leave from my place of employment. I told them that I would contact them at some point this week and let them know when I can make a payment. They still have repeatedly called, and also they have attempted to deduct the amount that I owe from my checking account which is not getting any funds deposited because I am on medical XXXX from work so I'm not receiving a payroll check, however, money is being deposited to an SSI debit card. They have chosen to ignore that fact and I have had subsequent returned check fees currently totaling approximately {$60.00}. I can not afford for this process to keep happening as I mentioned I am on XXXX.
Product: Credit reporting, credit repair services, 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. 
XXXX Account # XXXX XXXX XXXX XXXXXXXXXXXX XXXX, has violated my rights. 

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

I am submitting this complaint for you to make an investigation of some accounts with inaccurate information and after checking your response I recognized that some accounts are still incorrect, with a confirmed status. Please help me correct the following accounts : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX OF XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX  XXXX Balance Owed : {$34000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a collection that I had with Enhanced Recovery in XX/XX/XXXX and it is reflecting on my credit report as a Collection still in XXXX. There has not even been a status update of PAID on the credit report. I am trying to build my credit and this negative that is reporting on my report is hindering my scores and my ability to do other business. 
The account in question is ENHANCED RECOVERY a/c # XXXX reporting as a collection on XXXX only in the amount of {$360.00}
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 
ACCOUNTS : 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I have been a Wells Fargo customer for about 8 years and had quite a few overdraft fees in the past. I read where they are supposed to send you a letter stating how much youre entitled to, per the lawsuit settlement and I have not received anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to the Fair Credit Reporting Act, it is TRANSUNION 's duty to be reporting correct and accurate information on my credit report and file- however they are NOT. TRANSUNION is reporting inaccurate late payments for the XXXX/ DEPT OF ED account ending in XXXX. This includes the reporting of a 90 days late payment on XX/XX/2016 and XX/XX/2016. These are incorrect and supposed to be reporting as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report, A transaction constitutes these inaccurate late payments resulting in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$5700.00} XXXX XXXX XXXX XXXX XXXX XXXX. Balance : {$560.00} XXXX XXXX XXXX XXXX Balance : {$5200.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I filed a complaint with Capitol One disputing charges for travel, I never was able to take because the company closed.. 
XXXX  account ending in XXXX Capital one  case # XXXX XXXX Case # : XXXX I am filing a new complaint because this company has awarded other individuals in same situation with this same complaint. 
The travel company in XXXX XXXX is currently under investigation bc they took consumers hard earned money and invested it in crypto and cheated all particpants out of their month. One individual stated Capital one refuned her in XXXX with her cases being 540 days old because the company shut down. Capital one has not been forthcoming in awarding to everyone in this situation their monies back. please see attached. 

Invidiual posted this on XXXX XXXX XXXXXXXX XXXX XXXX XXXX contributor XXXX XXXX XXXX XXXX XXXXXXXX XXXX RE : Capital One ( US ) My charges were well over the 540 days, I have complained to the CEO of Capital One still got turned down then I filed a complaint with the Consumer Financial Protection Bureau XX/XX/XXXX and today I had confirmation emails from Capital One stating that I have permanent refunds for all three of my transactions that are all over the 540 days. I called Capital One to confirm and was told that it is because the merchant went out of business. This was completely unexpected. I am still in shock, but wanted you all to know in the event that you could receive the same outcome. 
consumerfinance.gov the leiquidator report is attached which shows there is no money left to pay all the creditors any money back, we all may get XXXX, if that.
Product: Credit card or prepaid card

I have a PayPal credit account and I am being overcharged. Every month I have paid all standard purchases made along with a portion of payment towards any promotional balances. I have always paid the minimum amount or more to avoid any fees for standard purchases and promotional balances that are expiring. I have not made any purchases for months and months on the account. I have 1 promotional balance remaining of XXXX and yet PayPal -synchrony bank is charging me XXXX to pay off my account in full. I have tried to resolve this issue for over 2 months. The initial representative tried saying I had a standard balance owed but after reviewing the account agreed that I have paid those charges each month and more. She stated my balance should be corrected and was being sent to the resolution department. I waited with no contact back. Called and was told to allow 2 billing cycles which it has been. I tried online chat who gave me run around and the wrong number to even call for help. Today I demanded a supervisor. I was placed on forever hold for 30 minutes and an 'account manager ' tried giving me the run around. I demanded a supervisor..she claimed a request for a call back was submitted and to allow 7 days! The selection I made on this site doesn't fit my issue specifically. I'm going to be writing a letter as well. The account manager was not helpful at all!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

Following account from XXXX XXXX is reporting account incorrectly and information is not correct. 
Account was opened in XXXX not XXXX Stated the collector. Original debt was through XXXX XXXX XXXX collection for {$1200.00} Falsified info has been reported. Please delete Collection company : XXXX XXXX XXXX : XXXX Original debtor : XXXX XXXX  Old collection agency : XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was opened fraudulently, I sent in documents and reached out to this company who told me they no longer has the debt. I call the collection agency who then removed it, but XXXX XXXX XXXX XXXX  still has it in my report for the last 4 years.
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention a matter concerning my credit account with your institution. After reviewing my recent credit report, I noticed that there have been recorded instances of late payments on my account. 
XXXX XXXX XXXX XXXX XXXX I want to emphasize that these late payments were not due to negligence but rather a temporary challenge that I have since overcome. I kindly request your assistance in removing the late payment entries from my credit report. I believe that this adjustment would more accurately reflect my creditworthiness and commitment to meeting my financial obligations. 
I appreciate your consideration of my request. If needed, I am willing to provide any supporting documentation to validate the circumstances that led to the late payments. 
I kindly request that you investigate this matter and, if appropriate, take the necessary steps to have the late payment entries removed from my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines UPGRADE XXXX ACCOUNT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data.

My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter.

Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files.

Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights.

Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Student loan

I have a student loan that originated with the XXXX XXXX and was subsequently subbed out to another company called XXXX. I have been making and continue to make payments each and every month with XXXX and yet they have now authorized various collections agencies to initiate attempts to contact me by written letter and phone. The most current collection firm, Wellman , Weinberg & Reis Co. has attempted to contact me for payment of my loan in full, however the account number they list for my loan is incorrect. I have no way of knowing if this is a legitimate company as they do not have the correct information regarding my loan. Furthermore, as long as I continue to make the payments to XXXX and they receive and cash them, it does not seem appropriate that these agencies represent themselves in a manner that is provided by the law to arrange collections for the loan amount due. I am asking your agency to demand that Wellman, Weinberg & Reis cease and desist in any efforts to contact me either by written letter or phone presently or in the future regarding my loan originating with the XXXX XXXX that is now being serviced by XXXX with the approval of the XXXX XXXX and for which XXXX has received and banked the funds issued for payment of this loan. Your assistance will be greatly appreciated regarding this matter. 

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

I am a natural person, I am a living human being, I have right under 15 USC 1681.

Experian is governed by 15 USC 1681, and they have violated my rights numerous 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 Experian written permission to furnish this account : XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently discovered that my credit report contains incorrect personal information, which has resulted in unknown and inaccurate accounts appearing on my report. As a victim of identity theft, my personal information was used fraudulently, leading to these unauthorized accounts being listed. Following TransUnion 's instructions, I promptly filed an FTC Identity Theft Report and submitted it to address the issue. Despite this, the fraudulent accounts remain on my credit report, causing unnecessary distress and complications.
Product: Credit reporting or other personal consumer reports

ACCOUNTS : XXXX XXXXXXXX XXXX : CEASE AND DESIT was sent to the creditor. In violation of 15 USC 1681, 15 USC 1666b. Innacuries of data and dates of payments starting XX/XX/XXXX to XX/XX/XXXX multiple months show " No data for this period '' and are not accurate across all 3 credit reporting agencies ( XXXX, Equifax, and XXXX ) XXXX XXXX XXXX : CEASE AND DESIT was sent to the creditor. In violation of 15 USC 1681, 15 USC 1666b XXXX : In violation of 15 USC 1681, 15 USC 1666b XXXX : CEASE AND DESIT was sent to the creditor. In violation of 15 USC 1681, 15 USC 1666b XXXX XXXX : CEASE AND DESIT was sent to the creditor. In violation of 15 USC 1681, 15 USC 1666b. By law, one must furnish a 1099C for illegal charge-off accounts requested XX/XX/XXXX and never supplied the 1099C 's. 


Everything reported here does not meet the FCRA. Late Payments In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 
Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 - it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
Under 15 USC 1666b - a creditor may NOT treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Due to these violations, I have a right to sue per violation.