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

I sent letters and spoke over the phone with all three major credit bureaus, Equifax, XXXX, and XXXX XXXX to reinvestigate these accounts : XXXXXXXX XXXX XXXX  XXXX that XXXX with XXXX, XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX, XXXX Account number XXXX, XXXX XXXX XXXX  XXXX Account number XXXX, XXXX XXXXXXXX XXXX XXXX Account number XXXX, XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX Account number XXXX, XXXXXXXX XXXX XXXX  XXXX Account number XXXX However, all three credit reporting agencies responses were all the same, the company verified the disputed accounts and the results are complete and accurate and will remain on my credit report.

How can this be possible if the accounts are closed if the open dates are over 7 years old and the open dates are all inconsistently across all three credit reporting bureaus, the last day of activity is incorrect and so much
more is incorrect? According to 15 U.S.C 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an 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.

Also, they arent even in compliance with Metro 2 credit reporting. I have gathered evidence to prove my case.
Product: Vehicle loan or lease

My husband is XXXX and on XXXX and I am XXXX XXXX XXXX 
XXXX ago XX/XX/23 we called to tell them we were having trouble this month making our payment We were told we could skip it and pay it when we could. Today we received a registered letter stating if it wasn't paid by XX/XX/23 the car would be posted for XXXX payment. We have kept up with all other payments I don't think this is a necessary action for XXXX payment We bought our car for XXXX and by the time we pay our loan off it will be XXXX. This is outrageous. Our payment {$380.00} a month which is a huge dent in our income. They don't refinance but we have to do something to get out of this loan.
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 or other personal consumer reports

Randomly checked credit report due to my son being in a XXXX XXXX XXXX and suggesting I do my free yearly credit report. When I checked my report I noticed credit inquiries that I was not involved in and had no idea about. After the report I had also started receiving letters in the mail about loans and credit card applications that I had not requested. The companies I got mail from or appeared in my credit report without my knowledge include : XXXX XXXXXXXX XXXX, XXXX ( before I did my credit report ), XXXX  XXXX XXXX, XXXX XXXX, and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, There are plenty of accounts and inquires on my account that I do have knowledge of. I have reached out to all the credit reporting bureaus. XXXX  keeps responding with boilerplate language. These following accounts and inquires do not belong to me. I have tried endlessly to remove these things. 

Inquires that I did not authorize. 

XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXX XXXX XXXX Banks Individual XX/XX/XXXX XXXX, XXXX Real Estate and Public Accommodations Individual XX/XX/XXXX XXXX XXXX XXXX WI Automotive Individual XX/XX/XXXX XXXX XXXX  / XXXX  XXXX Banks Individual XX/XX/XXXX XXXX XXXX Automotive Individual XX/XX/XXXX XXXX, XXXX Real Estate and Public Accommodations Individual XX/XX/XXXX XXXX XXXX Automotive Individual XX/XX/XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXXL Travel / Entertainment Individual XX/XX/XXXX XXXX XXXX XXXX Banks Individual XX/XX/XXXX Accounts that I have reached out about that do not belong to me. 


XXXX XXXX XXXX XXXX Balance : {$7900.00} Collections : XXXX XXXX XXXX , XXXX {$120.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$4700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letters to dispute the validity of the XXXX negative account being reported to the credit bureaus on XXXX, XXXX and XXXX. I have not recieved a response from XXXX regarding the dispute letters, which confirms that you did not investigate my dispute. I also have obtained a recent copy of my credit report that proves your failure to report the account as disputed which further proves you did not investigate my dispute.
Product: Credit reporting or other personal consumer reports

Upon checking my XXXX XXXX TransUnion account theyre two un-authorized Hard Inquiries reporting on my TransUnion account. 


These two hard inquiries are effecting my account in a negative display.
Product: Debt collection

XXXX XXXX/ XXXX XXXX XXXX # XXXX {$420.00} Sent letters to the three major bureaus asking to investigate and provide verification of debt per FCRA. XXXX XXXX fail to validate the debt belongs to me.

Letters sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I am attaching
the paper trail with Certified mail receipt.
Product: Credit reporting or other personal consumer reports

XXXX notified me, that I had very good approval odd for a WELLS FARGO Visa card, so I applied, and was denied. According to WELLS FARGO, they pulled from XXXX credit bureau. XXXX, WELLS FARGO is disingenuous. For example, XXXX XXXX written explanation, Account has late payments or negative record within XXXX  year of opening is a blatant lie! I have NEVER BEEN LATE with ANY OF MY ACCOUNTS IN THE LAST TWO YEARS!! My accounts with XXXX XXXX or XXXX XXXX, nor my revolving accounts with XXXX or XXXX was NEVER LATE! Plus, I have ZERO collections. Most importantly, I paid XXXX and XXXX settlements in full on time. WELLS FARGO gerrymandered my application already.
Product: Debt collection

The individuals from account control technologies have spoofed the caller ID to say it is my mom. When I click on the phone number information it states the number is found in my moms work email.
Product: Debt collection

Company refuses to send me documentation of the alleged debt. I have given them information over the phone to prove this debt is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I need help because my credit has really been affected. I hav

e been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft someone has used my information to obtain and attempt to obtain new credit without my consent/authorization or knowledge. And I demand that these fraudulent accounts be blocked and removed immediately. 
XXXX : XXXX, ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) Experian : XXXX ( XX/XX/XXXX ) XXXX, XXXX ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) XXXXXXXX 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

Hello I recently talked with the debt collector about said credit card debt they say I owed, but I told them I paid it off 2 years ago they still are reporting it as owed and calling me and sending me letters saying I owe when in fact my state taxes was garnish to pay said owe debt and my work wages was also garnished. I emailed them, called them, and provided proof the the amount was satisfied within my local courthouse. I filled numerous disputes and provided proof and they still reporting it on my credit report and harassing me about the debt. The amount owed was XXXX from spring oaks collection but the company XXXX  had the debt and the courthouse paid XXXX  XXXX, so spring oaks is trying to get payment on an old debt that was paid. I also paid off XXXX XXXX and they are also trying to get me to pay them a second time when they surd me and garnish my state income tax. These companies are still reporting the debt as owed and trying to force me to pay a second time.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with synchrony bank was paid by settlement in XX/XX/2017. The account is still being reported with a balance owed of {$610.00}. I have reached out multiple times to have this corrected and still has not been.
Product: Debt collection

This tried to illegally collect on a debt I received a letter that they would sue then I received a letter from the courts stating the case was thrown out but its hasnt been removed from my credit
Product: Credit reporting or other personal consumer reports

TransUnion is reporting unknown and unauthorized inquiries 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 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. 

Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 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: 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 multiple times, reporting the discrepancies, and having been told there was nothing I could do to get my money back even when the person who received my money admitted to being a scammer, I lost almost {$1000.00}. My financial institution, XXXX  XXXX XXXX, and Zelle failed to investigate my claims adequately. They informed me that recovering my lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. Unfortunately, going back into my Zelle Activity, I can't even see any previous transactions- not even the ones I authorized, let alone the one that was a blatant scam. I am unsure how to provide an image with the {$1000.00} loss, but it was reported when it happened immediately, so there must be some trace or evidence of it somewhere.
Product: Money transfer, virtual currency, or money service

I sold ( in trading ) my litecoin. XXXX is the transaction number. It shows as " completed '' " done '' and yet the money does not show up for more trading in My USD account or anywhere for that matter. Therefore I have not been able to buy or sell anymore with those funds. It was not a large amount because I was being careful and not to trust right off the bat and I 'm glad so far I have n't. I understand " slow '' but it is stated that these trades are instantaneously done. If they are gon na steal peoples money,, I want to be one to speak out to same others from this.
Product: Payday loan, title loan, or personal loan

I've made every payment on this Custom Credit Line since it was opened, but due to loss of work from the COVID-19 shutdown, I was unable to continue making monthly payments. 

I'm self-employed but also have a part-time job, which stopped on XX/XX/20 when Gov XXXX ordered the non-essential business lockdown. Therefore, I was unable to continue making monthly payments of that amount. 
Since the shutdown, I've made 4 calls to have the monthly amount lowered as I can not make the current payments : XX/XX/20, XX/XX/20 ( 2 calls ), XX/XX/20. 
Each Citi " customer service '' person has been nastier than the next, not one offered to help. All treated me as if I was a deadbeat. Citibank acts like there's no worldwide pandemic or 33+ million unemployed in the US . 
XXXX suggested I send a letter to Citi Cards which I did on XX/XX/20 & to file a complaint with the CFPB.
Product: Debt collection

The creditor, Moss Law Firm, P.C. served me fake lawsuit paperwork.

Moss Law Firm, P.C.
XXXX XXXX XXXX XXXX XXXX XXXX
email: XXXX XXXX
Product: Debt collection

I have disputed the debt with the collection agency. The only result I get back is that it is accurate. I do not receive an explanation of debt.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my MULTIPLE submissions over the course of five years, XXXX consistently responds within an unreasonable 24 hours stating the account is accurate, without providing ANY evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with the necessary proof of investigation. 

The accounts I REQUEST BE REMOVED are as follows : -Account XXXX, an illegal Collection not belonging to me ( Reported a total of TEN times since 2019 that XXXX unethically " investigates '' each time ) -Inquiry from XXXX XXXX XXXX XXXX  -Inquiry from XXXX XXXX  XXXX XXXX XXXX -Invalid Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX -Invalid Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX -Invalid XXXX XXXX XXXX XXXX -Account XXXX XXXX XXXX XXXXAccount XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A fraudulent hard inquiry is on my credit report. I did not authorize XXXX XXXX  to pull my credit report on XX/XX/year> and I believe this is the result of fraud or identity theft.
Product: Credit card

I purchased a dishwasher on Samsung.com via XXXX finance by TD Card retail services. XXXX says XXXX XXXX by TD refused to authorize payment and on my account it shows me charged twice for the same order and transactions posted. Attached is the documentation. I have called TD bank and XXXX repeatedly with XXXX not able to help and TD retail card services being on hold for XXXX hours with no answer. I have submitted the dispute billing form as TD retail card services requested via fax with no response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX CAN'T LOG INTO XXXX AND MYEQUIFAX.COM Letter Date : XX/XX/XXXX Date of Birth : XX/XX/XXXX SS # : XXXX ( XXXX ) ( XXXX ) To Whom It May Concern : PLEASE GIVE ME BACK ACCESS TO MYEQUIFAX.COM. I HAVE CALLED EQUIFAX MULTIPLE TIMES AND ITS GOING ON ALMOST 2 MONTHS AND I HAVE NOT BEEN ABLE TO GAIN ACCESS TO MY CREDIT REPORT. I ALSO TRIED TO GET MY ( CREDIT REPORT ) AND XXXX SCORE FROM A WEBSITE CALLED ( ( MYFICO.COM ) ) AND THEY SAID THEY COULD NOT GIVE ME MY FICO SCORE OR MY CREDIT REPORT DUE TO ( ( " BECAUSE EQUIFAX WAS NOT ABLE TO PROVIDE US WITH A CREDIT REPORT BASED ON THE APPLICATION INFORMATION YOU PROVIDED. '' ) ) THIS IS THE MESSAGE THAT XXXX GAVE ME. IS THERE SOMETHING GOING WITH MY CREDIT REPORT? IS MY CREDIT REPORT BEING BLOCKED. ALSO I HAVE SCREENSHOTS ATTACHED FROM MYEQUIFAX.COM STATING THAT EQUIFAX IS UNABLE TO LET ME GAIN ACCESS TO MY ONLINE MYEQUIFAX CREDIT REPORT AND XXXX  XXXX. PLEASE HELP TO RESTORE MY ACCOUNT. AND PLEASE FIX MY CREDIT REPORT SO THAT I CAN REGAIN ACCESS TO MY CREDIT FICO SCORE AND CREDIT REPORT. IS MY CREDIT REPORT BEING MIXED UP WITH SOMEBODY ELSES CREDIT REPORT? PLEASE HELP IN THIS MATTER ASAP! OR I WILL SUE!! 

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

I already reached out to the credit bureaus and to USDOE/GLELSI and notify them of their error posting of information on my report. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " accurate '' but as of the moment, no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take prompt and effective steps to prevent and resolve fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive since they failed to follow the Electronic Fund Transfer Act ( EFTA ) and Regulation E 's error resolution criteria. These activities have caused significant annoyance and financial loss, and I am seeking reasonable restitution for these infractions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXt Account # XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX 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 XXXXXXXX, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal..Please delete the following student loans XXXX XXXX XXXX, XXXX XXXX XXXX , XXXXXXXX/DEPTOFED XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX, my uncle passed away in XX/XX/XXXX and my uncle had a banking account in Comerica Bank and someone did payments and withdrawals were still being made at ATMs even AFTER his death. That caught my attention and at the same time I was concerned because my uncle was no longer alive to make transactions.I went to the bank to talking with the manager but, he didnt want help me.
Product: Debt collection

FFR, Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX Subject : Cease and Desist Notification under Section 1692c of the FDCPA To Whom It May Concern, I am writing to formally request that you immediately cease all communication with me regarding the alleged debt associated with account, as provided under Section 805 ( 15 U.S.C. 1692c ) of the Fair Debt Collection Practices Act ( FDCPA ). 

Section 1692c of the FDCPA clearly prohibits further communication concerning the debt, including any communication through written correspondence, phone calls, emails, or other mediums, as defined by Section 1692a ( 2 ). This includes indirect communications, such as updating or reporting information about the debt on my consumer credit reports.

Additionally, as this debt is either inaccurate, unverified, or no longer valid, I am requesting that you delete any record of this debt from all consumer reporting agencies to which you have reported it. Failure to do so would be a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ). Continuing to report an unverified or disputed debt after this notice can be interpreted as harassment and an unfair practice under federal law.

I demand that you : 1. Immediately cease all communication with me regarding this alleged debt.

2. Remove the debt from all consumer credit reporting agencies where you have reported this information.

You may only contact me to inform me of your intention to either cease collection activities or to pursue specific legal remedies, as permitted under Section 1692c ( c ) of the FDCPA. Failure to comply with this request or the deletion of the debt from my credit report may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and other legal actions to enforce my rights under the FDCPA and FCRA.

Please confirm your compliance in writing within 30 days of receiving this notice.

Sincerely, Chinda Thongvilay