23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to bring to your attention a critical issue regarding my credit file. 

Upon reviewing my credit report, I have discovered several items that appear to be fraudulent. These entries are inaccurate and do not reflect any legitimate financial activity on my part. It is evident that my identity has been compromised, leading to these unauthorized entries on my credit file. 

I am deeply concerned about the potential implications of these fraudulent items on my creditworthiness and financial reputation. Therefore, I urgently request your assistance in promptly removing these fraudulent entries from my credit file. 

Additionally, I would appreciate any guidance or support you can offer to help me navigate this challenging situation and protect my financial interests. With this, I am asking for your assistance to remove fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX Balance : {$570.00} ; 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 Balance : {$570.00} ; XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the law, US C 1681, and USC 1681S2, this company violated my rights because I have a right to privacy. This company reported information without my permission. 

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

Please see this letter as an immediate request to reverse ( XXXX ) inaccurate late payments from my credit report. I recently reviewed a copy of my credit report. I am concerned because there is information listed that is inaccurate. I check my credit report often because I know how important having good credit is. Any information reporting on my credit report by law must be validated, verifiable if not, that information must be removed or corrected from/on my credit report. 
THIS IS VIOLATION OF THE 15 U.S. Code 1681a- Definitions, rules of construction | U.S Code | US Law| XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) 15 U.S. Code 1681a- 2 -Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. Prohibition ( A ) Reporting information with actual knowledge of errors 15 U.S. Code 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term consumer report does not include ( A ) subject to section 1681a- 3 of this title any report containing information solely as to transactions or experiences between the consumer and the person making the report ; Creditor Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX OH XXXX This account is reporting inaccurate late payment. Please reverse this inaccurate late payment from my credit profile and credit report immediately. 

XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX, Va XXXXThis account is reporting inaccurate late payment. Please reverse this inaccurate late payment from my credit profile and credit report immediately.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and 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 debt bondage and would like for all listed accounts to be blocked and deleted company information Experian. Please delete the following 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
Product: Vehicle loan or lease

I was financed a XXXX XXXX XXXX XXXX from American Credit acceptance in XXXX. I have been on time with my payments and never late. I only owe {$3900.00}. on the car. It was almost paid off. The car was impounded/I was not at fault. The impound company contacted American Credit Acceptance finance company and they made an agreement to action my car off. Now I don't have my car, my finance company gave another company permission to sell my car and my finance company still wants me to pay them for the car. They sold my car and committed fraud.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) Due to inadequate customer service and unfair practices, which violates the Consumer financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected, Their dispute resolution process was unfair and disceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconveniences and financial loss. And I seek appropriate redress and full reimbursement of all funds for these violations
Product: Debt collection

I have previously complained about Ideal Collection Services and their client XXXX XXXX. Fortunately, Ideal Collection Services have removed from other bureaus except XXXX. 

XXXX property finally admitted to the XXXX  ( see attachment ) on XX/XX/XXXX that the tenant XXXX XXXX XXXX XXXX XXXX vacated the premises on XX/XX/XXXX. Although they claim it was an eviction, it was an agreed upon move-out due to my notary public sign being a violation. I have the e-mail screenshot ( SEE ATTACHMENT ) of XXXX XXXX, the accountant for XXXX XXXX advising, " ... You have until this weekend [ XX/XX/XXXX, XX/XX/XXXX ] to vacate the premises. If you're not vacated, we will begin the EVICTION process on Monday [ XX/XX/XXXX ] ... '' Since I was moved out on XX/XX/XXXX PRIOR to the the weekend XX/XX/XXXX & XXXX, XXXX, there should not be ANY " EVICTION '' done and applied to my credit. 

I spoke to XXXX at Ideal Collection Services and he did inform me my file was in archives and should arrive by Thursday of last week XX/XX/XXXX. 

XXXX also advised that XXXX  had not sent them any requests or communications since XX/XX/XXXX, which is really alarming to hear that XXXX  was NOT doing their part in protecting the consumer and attending to my concerns. 

Furthermore, it is saying last balance updated on XX/XX/XXXX which is absolutely reporting incorrectly because this balance of {$5800.00} has been the same over these last 5 years.
Product: Checking or savings account

I received the response yesterday from Wells Fargo ; however, it is unacceptable. I also received your enclosure with important information about overdrafts. The very first sentence confirms Wells Fargo has violated me on several occasions. An overdraft occurs when you do not have enough money in your account to cover a transaction but we pay it anyway. I am attaching to this complaint evidence of the fact that Wells Fargo does not pay it anyway. 

Again, this is a violation of 12 UCC 1005.17 Requirements for overdraft services. 

( a ) Definition. For purposes of this section, the term overdraft service means a service under which a financial institution assesses a fee or charge on a consumer 's account held by the institution for paying a transaction ( including a check or other item ) when the consumer has insufficient or unavailable funds in the account. 



In addition to failing to meet requirements for the overdraft service, Wells Fargo has violated me by failing to meet the requirements for consent. Not only did I NOT consent to these charges, Ive called several times to dispute these charges, showing the I DO NOT CONSENT to these charges. This is willful and malicious. 12 UCC 1005.17 ( b ) Opt-in requirement- ( 1 ) General. Except as provided under paragraph ( c ) of this section, a financial institution holding a consumer 's account shall not assess a fee or charge on a consumer 's account for paying an ATM or one-time debit card transaction pursuant to the institution 's overdraft service, unless the institution : ( i ) Provides the consumer with a notice in writing, or if the consumer agrees, electronically, segregated from all other information, describing the institution 's overdraft service ; In this complaint, I am also attaching my statement showing that in the last 18 months alone, Wells Fargo has stolen almost {$1000.00} from my account. I have been a Wells Fargo customer for well over 2 decades and I am hurt to realize that you all operate without integrity.
Product: Credit card or prepaid card

I received a notification through XXXX XXXX that a hard inquiry was done using my social security with US Bank. I do not have a US Bank account. I called them and they confirmed that a credit card application was submitted with my social security, and that it was done using an address that is not mine. On that call, they closed that account.
Product: Credit reporting or other personal consumer reports

My credit report is showing an unauthorized, unverified inquiry. This unauthorized inquiry has lowered my credit score, and I did not give this company permission to get a copy of my consumer report. This unauthorized inquiry needs to be removed immediately. TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of this inquiry its need to be removed immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX Date : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Current Employer : XXXX XXXX XXXX XXXX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities. 

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I am writing this to formally express my concern regarding Zelles handling of disputes, particularly in light of the recent CFPD lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They informed me that receiving lost funds was impossible and that tracking these transactions was infeasible. The CFPDs findings indicate Zelle hasnt only neglected to protect costumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This is lack of accountability and transparency is unacceptable and raises concerns about customer safety.
Product: Debt collection

We had Internet in our old apartment while I was serving in the United States XXXX. 
As we moved because I was a separating the military we ended our account with our XXXX. 
We went to pay our final bill and we were told we do n't owe anything on the account which means we allegedly had a {$0.00} balance. 
Months later I saw that the XXXX had sent us to collections for the amount of {$62.00}. This is incorrect as we were told we owed nothing on the account.
Product: Payday loan, title loan, personal loan, or advance loan

I applied and received a loan from this lender, Lending USA ), on XX/XX/2023 I did everything online, the money was deposited, and everything was going right until the moment I asked to access my account online, so I could make payments and see statements. 
Since I received the money, I have been trying to get access, they said their IT needs to resolve the problem. there is a problem with my account, I have been trying to contact them almost every day to get this resolved, so I can make the payments, and due soon, but i can not pay it They always say " We will contact you in 3 to 5 days '', A month has passed, and nothing... 
I have called them almost every day, but nothing has happened. I have requested to talk with the supervisor, I did speak with him once, but after that, he refused my calls, His name is XXXX XXXX. 
I just want to pay the loan, but I can not, I want to see my account, but they don't allow me ; I want to fix the problem, but I can't ... poor customer service.. 
at this point, I am ready to get another loan and pay them in full so i dont have to deal with them ... ever
Product: Credit reporting or other personal consumer reports

This is my 22nd 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 an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4800.00} XXXX XXXXXXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I see that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  Balance : {$31000.00}, XXXX XXXX XXXX  Balance : {$5300.00}, XXXX XXXX XXXX Balance : {$6000.00}, XXXX XXXX XXXX  Balance : {$1700.00}
Product: Credit card

On XXXX/XXXX/2016 at XXXX MST, a credit of {$2400.00} was issued to me by XXXX, XXXX, AZ XXXX, Phone number XXXX ( XXXX Invoice and credit card receipt attached ). The refund credit was made to Citibank VISA Signature Credit Card XXXX. Citibank customer service, on several occasion since XXXX, has stated that this credit card account does not exist in spite of the fact that I have the credit card in my possession with my picture on it ( copy attached ) and an email from Citibank dated XXXX XXXX, 2016 at XXXX MDT that states the card is activated and ready to use effective XXXX XXXX, 2016 ( copy attached ). 

Citibank ( via their customer service number XXXX ), has stated that there is nothing Citibank can do about this issue because the credit card account stated above does not exist at Citibank. They have also stated that any refund transaction coming in from anywhere would be rejected immediately because the credit card account does not exist at Citibank. 

I have contacted the XXXX accounting department ( XXXX at XXXX ) and waited the requisite 72 hours for the transaction to be rejected by Citibank ( XXXX stated rules ). As of XXXX XXXX, 2016, XXXX states that the transaction did go through and was processed and so there is nothing XXXX can do about my refund credit in spite of the fact they now have the returned merchandise ( and other merchandise that I never received ) in their possession. XXXX has stated that the XXXX XXXX XXXX XXXX batch number containing the refund transition is XXXX and that the transaction reference number is XXXX. The batch and reference numbers were given to me verbally by XXXX, but repeated back to her to ensure that I recorded the numbers correctly. 

So the problem is this : I am now out {$2400.00} and neither ( 1 ) Citibank who states my account does not exist nor ( 2 ) XXXX XXXX XXXX XXXX who states the transaction, in fact, did go through to Citibank, will do anything about this issue. 

Can you please investigate and get either Citibank or XXXX XXXX XXXX XXXX to send me a valid refund check in the amount of {$2400.00}. 

I am trying CFPB before proceeding with other legal remedies available to me.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Debt collection

I defaulted on my XXXX XXXX card in 2009. Now a debt collector calls harassing me in regards to the debt and threatened to serve me for it. I asked him to send paperwork in regards to it and he declined and repeatedly told me to pull my wallet out and just pay the amount.
Product: Debt collection

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below WELLS FARGO DEALER SVC XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative. I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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

I recently pulled my credit and noticed a XXXX reporting. When I filed the bankruptcy my lawyer told me the courts don't report. I called the court to verify and they confirmed they do not report bankruptcy information because it is illegal to do so. I want to know how this company is able to report this information without my permission