23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). These accounts are false and falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Chex Systems
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Zelle 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: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 On this portal Equifax responded to my complaint submitted to the CFPB on XX/XX/2018 stating after REINVESTIGATION they have determined that this unverified inaccurate information belongs to me. NO SUPRISE! Attached is a letter I sent via certified mail received by EQUIFAX on XX/XX/2018, Requesting information and contacts from chase bank with phone numbers of individuals providing the inaccurate unverified information. EQUIFAX has NOT sent the requested information. Its been over 60 days. EQUIFAX DOES NOT INVESTIGATE. If they did, they would have sent the requested information on the attachment. CFPB supporting documents from me was sent with this document over 2 months ago. EQUIFAX mail me the information in the document requested that Equifax received on XX/XX/2018 2018
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian currently reports accounts under the name XXXX XXXX  XXXX XXXX. Original creditor XXXX XXXX XXXX XXXX XXXX 

This account will reach it's statue of limitations of 5 years in XX/XX/XXXX in my residence states of Florida. Reason being, account was open XX/XX/XXXX. Under federal law this account must be deleted under FCRA rules. 
Please see explanation in attachment ; If account continues to report as accurate after XX/XX/XXXX Experian shall be held violation of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate these fraudulent inquiries as I did not authorize these credit inquiries from your company. You are reporting inconsistent, incomplete and inaccurate information on my credit report and I DEMAND these inquiries to be permanently DELETED from my credit report. Please provide signed documents with my signature or any other documents showing I supposedly applied for three accounts on XX/XX/2018 and XX/XX/2018 and XX/XX/2018? Please provide me with all written documentation within 10 days or this is a violation and you must DELETE it from my credit report. I only want you to respond via CFPB. Thank you
Product: Student loan

My initial student loan was due XX/XX/23 for {$330.00}. I made payment online, with my correct banking information, and received a confirmation email from Nelnet of payment received. There has been no payment applied, and now Nelnet is telling me my payment is more than 15 days late and I have an outstanding balance of double my initial payment. They are impossible to get in touch with ( hours and hours waiting on hold via phone, including today XX/XX/23 ; completely ignoring any emails ( sent XX/XX/23 asking for clarification/help ) ; even social media is useless ). Is there any way to move to a different servicer? Great Lakes had none of these issues. Nelnet has been nothing but impossible to deal with. Just incredibly frustrating and now it's starting to impact me financially and emotionally.
Product: Debt collection

First Credit Services has sent at least 2 texts to my landlord who is responsible for my housing. There would be no reason at all on this earth why they should have his phone number. 
They did not reach out to him with the purpose of getting my contact information to resolve my debt with me. They texted him links that direct to a web page citing my debt amount and the original creditors name. 
They provided him link to settle my debt. And the text on XX/XX/XXXX had an option to text stop to cease the texts. He replied to them to stop. They did not. They texted him again today XX/XX/XXXX. With more links to settle my debt exposing my information. 
I am humiliated, violated, and am terrified about how this is going to affect my housing.
Product: Credit card

I am a victim of identity theft and these damages are a defamation of my character. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft. Please delete these items IMMEDIATELY. These account should not be furnished on my consumer report as they are in VIOLATION!!!! Under, 15 U.S. Code 161b- Permissible purposes of consumer report ( a ) 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENETITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. XXXX XXXX XXXX XXXX XXXX XXXX Original Amount : {$15000.00} Current Balance : XXXX XXXX XXXXXXXX Unsecured Original Amount : {$2800.00} Current balance : XXXX XXXX balance {$650.00} XXXX XXXXl Original Balance {$1000.00} Current Balance {$1000.00} 1 Inquiry : XXXXXXXX XXXX XXXXXX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against LVNV for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and for infringing upon my privacy rights. 

I requested validation of the debt they reported to the credit bureaus under Section 609 of the FCRA. Despite multiple requests, the creditor has failed to provide adequate documentation to verify the debts legitimacy as required by the law. Furthermore, I notified them of discrepancies regarding this account under Section 611, which mandates that they investigate any disputed information reported to consumer reporting agencies. However, they have failed to correct or remove the item from my credit report.

Additionally, their continued reporting of this unverifiable information violates my privacy rights under Section 604. By failing to validate the account and allowing the inaccurate information to persist on my credit report, they have breached my right to privacy by disclosing unverified, and therefore potentially erroneous, information.

This lack of compliance with Sections 609, 611, and 604 of the FCRA has negatively impacted my credit score and overall financial well-being. I am seeking the CFPBs assistance in holding LVNV accountable to ensure they respect my rights as a consumer and remove the unverifiable account from my credit report.

Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

My response from TD bank regarding case Complaint # XXXX was not in good faith. 

TD bank claims that they tried to recall the wire twice but when I reached out to the receiving bank, they did not have a record of this. Hence, I have emailed XXXX XXXX and XXXX XXXX at TD bank multiple times and asked for the swift copy and the reference numbers for when they made the recall but have been ignored. 

I have also spoke to the branch multiple times but no one has mentioned about fraud intake claim. Please advise on how I can file this process and proceed. 

In addition, your employees could have asked questions that are common practice in other banks such as Is anyone instructing you to make this wire as we have experienced wire frauds to easily prevent these type of incidents. Despite that, TD bank has no measurement in place and facilitates such crimes as a part of their business.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/20 I sent a letter to XXXX  and Transunion regarding failure to respond deletion regarding account XXXX XXXX  and as of today neither company has responded nor provided proof of this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received an updated copy of my credit report and there are some HARD INQUIRIES that I do not recognize. 


XXXX XXXX - XXXX XXXX XXXX XXXX
Product: Credit card

In XXXX, I was a proud holder of a Chase XXXX credit card, which allowed me to accumulate valuable airline points. One day, a close friend of mine asked for my help in booking a flight to attend another friend 's wedding. I offered to use my airline points to cover the ticket, and he eagerly accepted, mentioning that he had recently applied for his own Chase credit card. He promised that once he received his points bonus, he would transfer enough points to my account as reimbursement.

At the time, we were both blissfully unaware that this arrangement might violate the terms and conditions of Chase 's Ultimate Rewards program. Confident in our understanding, I proceeded with the transfer, which went through without any hiccups. There were no error messages or warnings to suggest that we were doing something wrong.

However, everything changed when I received an alarming notification that my Chase credit card had been shut down without warning. Confused and frustrated, I reached out to Chase 's customer service to understand what had happened. To my dismay, I learned that my account had been closed due to an accusation of " abusing '' their points program. They cited the transfer of less than XXXX points as the reason, leaving me shocked and upset. I had never intended to break any rules and felt blindsided by the entire situation. 

What added to my frustration was the fact that the Chase Ultimate Rewards website had allowed the transfer to occur smoothly, with no indication that it was against their policies. It felt unfair that, after such a long time of using their services responsibly, I was facing such severe consequences for what seemed like a misunderstanding. 

In my attempts to remedy the situation, I reached out to Chase for assistance, hoping they might reconsider their decision. Unfortunately, they informed me that there was nothing they could do to reverse the closure of my account. It felt as though I had been unfairly penalized for a mistake neither my friend nor I had knowingly made. 

Fast-forward over ten years, and I find myself still facing the repercussions of that incident. Chase continues to deny my credit card applications, citing the misuse of their rewards program as the reason. I can't help but feel that a decade is more than enough time for them to reconsider my case. I sincerely hope that Chase would find it appropriate to forgive and wipe this incident from my record, allowing me to move forward without the shadow of that misunderstanding lingering over my financial life.
Product: Checking or savings account

Wells Fargo h as opened an unauthorized account in my name. They will not tell me if it is a savings or checking account. Aroun d 1-2 ye ars ago, I registered for their  XXXX  service with the email  XXXX  XXXX  XXXX . Somehow they got another email address of mine (  XXXX  XXXX  XXXX  ) and used it to open an account to which a person named  XXXX   XXXX  has been sending money. I get the emails from  Wells Fargo. These are legitimate Wells Fargo em ails. Each time I bring it up they try to blow me off by saying it 's some kind of phishing scam. They are liars. These emails contain legitimate links to  Wells Fargo 's website and legitimate contact information. Wells Fargo is doing something shady and using my name and email   address to do it. I do n't know anyone named  XXXX   XXXX  and I do n't have and never had any account  XXXX .  Wells Fargo  pretends this account does n't exist yet they are sending multiple emails to me each month about this account receiving money. I will provide screenshots of several of these emails so that you know that these are indeed coming from  Wells Fargo. I h ave deleted most of the emails but after a while it got so annoying that I started saving them. Please review the uploaded documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has my current address listed as a previous address, while a former address from 6 years ago is listed as my current. Equifax is the only company with this issue. They have 2 reports listed and neither one of them have the address they have listed as my current. I have tried more than 10 times to dispute online. However, it always fails. I have attempted calling and I am told I need to mail them a copy of my drivers license and social security card. It is 2021 and a company that profits off of my personal information is not capable of updating my address without exposing me to potential identity theft? This has led me to being denied credit. I have also provided multiple responses identifying who I am over the phone including SSN, birthday, current ( real ) address, which again is reported by the other 2 credit reporting agencies. They can update everything except my address. This has become ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a XXXX XXXX in 2011 and defaulted on partial loan XXXX XXXX sold the debt to a add company called ad XXXX XXXX XXXX phone number XXXX XXXX have been trying to dispute it and remove it from my credit score due to length of time and they refused to remove has the debt has been paid by said company I feel it should be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted on in XXXX of this year 2019 by Debt Recovery Solutions , LLC saying I owe them {$310.00} and asked me how did I want to pay it. 

I asked them why I owed them {$310.00}. They said because I took out a payday loan from XXXX XXXX XXXXg 5 years ago and never paid back the loan. 

I asked them if they were XXXX XXXX XXXX? They said no, but now I owe them the money? I did not remember taking out a payday loan and requested a Validation of Debt letter and gave them my mailing address. 

I received a letter that was in the form of a bill with a 50 % OFF offer of {$150.00} and a web site address with payment information. I did not recieve a Validation of Debt Letter as requested. 

Same Company sent me a letter stating I owe them {$3100.00}. I called them and asked them to send a Validation of Debt letter, and to this day, nothing has been delivered validating this debt. I am afraid they will also report this debt as a collection on my credit reports as well. They said I owe XXXX XXXX and XXXX  XXXX XXXX, and they asked me to give them my credit card. I got upset and the guy told me not to be a XXXX about it and just pay what I owe. I hung up on them. They were very mean and rude. They told me to pay them and they would send the money to Debt Recovery Solutions , LLC Then all of a sudden I get a collection reported on my credit report by XXXX  XXXX XXXX so it appears, but the address is the same address listed on the Debt Recovery Solutions , LLC letter I received and same as on their website. 
XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. 

The stated on the phone that the debt was 5 years old, but on the credit report it states the account was opened inXX/XX/2019, this is fraudulent and unfair debt collection practices. 

False Reporting on my XX/XX/XXXXCredit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a car loan and didn't receive any property from them. 

XXXX XXXX XXXX XX/XX/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

Experian is reporting my child support case that is closed. I contacted the state of Michigan asking do they provide any of the three credit bureaus?, they sent me a letter saying NO. Child is a public record not a loan or mortgage or credit debit. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681 ; ( 5 ) this account in violation not reporting 100 % accurate it lists the Child Support court as the furnisher that's forgery and misleading when the courts don't report this type of account. 
STATE OF MI OFFICE CHI XXXX STATE OF MI OFFICE CHI XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have hard inquiries on my credit report that I didn't authorize, I have filed a FTC report as of XXXX XXXX The inquiries are XXXX XXXX Bank Of AmericaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have made my payments online through my XXXX Bank bill pay. Your company has received these checks, cashed/deposited them. Yet your staff continues to call, stating I have not made my payments. They are rude, unprofessional and raise their voices to me. 
I have the cancelled checks through my bank showing you have cashed/deposited them. Then you charge me " late '' fees when I am not late. This is against the law. 

I have filed complaints today through XXXX agencies about unfair practices, charging late fees and harassment from your staff. 

I have proof of these payment via cancelled checks. This site does n't allow me to attach the checks. I can attach these checks showing they were paid/deposited by Springleaf before their due dates. 

Since Springleaf has taken over my loan this is the XXXX or XXXX occurrence illegally charging me late fees and falsely accusing me of not making payments after you have cashed my checks.
Product: Mortgage

On XXXX XXXX, 2017 at XXXX ( CST ) I called XXXX.  I am XXXX and trying to payoff my entire mortgage before the scheduled sale date. My investor was on a 3 way telephone call with myself and lender XXXX. I gave a 3rd party authorization to speak on my behalf due to my XXXX, and we were informed that they would not be allowed to take 3rd party authorization by phone due to Texas State Regulation. We then asked for the State Code that prohibited a 3rd party authorization from speaking with an XXXX representative, withstanding verbal consent from the borrower, and we told that he was not sure of the Code or Texas Regulation. 

We were then informed to go online to request a payoff, and as such I did, and was not able to log onto the website as it showed an error. 

We then spoke with XXXX to get assistance and we were informed that they could not assist us, and that a payoff would be forthcoming in a few days. 

Bottom line : We are ready to pay and XXXX is preventing that from happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive been with capital one since XXXX during the month of XX/XX/XXXX my brother XXXX XXXX which caused the payment to be late that month. After and before that tragic month I have always been on time with both accounts that are in the attachment below. Ive been with you all for more then years i hope your company can do the right thing. for the auto loan it happened XX/XX/XXXX after that no issues with it being late.
Product: Credit reporting or other personal consumer reports

Experian alleges they verified this bankruptcy but provided no documentation to prove the claim. I initiated a dispute with XXXX and they stated the bankruptcy was incorrect and would be removed so how was Experian able to verify such information. Forward me the documentation used to verify this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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, CA XXXX XX/XX/2022 XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The 3 mayor Credit Reporting agencies ( XXXX  ) ( XXXX ) and ( experian ) keep reporting this time-barred account which i believe it unlawful.
Product: Debt collection

Im a victim of identity theft. Someone used my personal information while I was XXXX  to open a credit card in my name. This account does not belong to me.