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

Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never granted the following companies any authorization to access my credit report, and they are in clear violation of this code. As a result, I am requesting the removal of the account ( s ), as they are causing harm to my reputation, character, creditworthiness, credit standing, and credit capacity. Please note that I am filing a legal identity theft report with the FTC, which I am submitting under penalty of perjury, and I am enclosing it with this letter. Given your legal responsibility to protect my privacy, I expect this issue to be addressed with the highest level of urgency. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account Name : DEPT OF ED/XXXX  Account # : XXXX I recently received a copy of my credit report and I noticed youre furnishing an account on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report : Account Name : DEPT OF ED/XXXX  Account # : XXXX and all associated accounts. 

The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.

Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( l ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a method of validation on XX/XX/2022. The collection agency has yet to respond. I am requesting a deletion of these accounts from my consumer file. 

They are reporting " Unverified/inaccurate information '' which is a violation of Section 623 ( a ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA.
Product: Credit card or prepaid card

Capital one closed account without notice before due date of mailed in payment, payment made left a credit of {$490.00} and was told that I would receive a check in 60-90 days of the credit. account has only been open 30 days and payment was posted on the XXXX and applied. I spoke to fraud department and was told it was necessary to take 60-90 days without any explanation, payment only took one day to post to account and account is closed so no further adjustment can be made. balance has already been determined and applied, yet I will have to wait longer then account was open for a return of the credit {$490.00}. it takes less then 7 days to post a check, and account shows already posted..check was mailed out XX/XX/19 and received XX/XX/19 account number ending in XXXX certified mail number XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX   XXXX account for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Debt collection

On XX/XX/XXXX I disputed the completeness and Accuracy of this collection on my consumer report and it has come back verified. I do not believe that TRANSWORLD SYSTEM INC properly investigated this account because there are obvious inaccuracies. 

The date of the last activity does not match. XXXX is reporting XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Having the wrong date of the last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off The Date of the last payment missing. Remove this account for inaccurate reporting because the date of the last payment is missing. Since you have of not reported the date of the last payment it messes up two things. First, it shows does not help indicate when this account was actually charged off and secondly it manipulates the statute of limitations as I can not tell when this account is supposed to fall off. This means that you were never given the true date of the first delinquency and this is causing me stress being reported TRANSWORLD SYSTEM INC has violated 15 usc 1681s-2b of the fair credit reporting act. Since they have verified this account as accurate and there are obvious inaccuracies they failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting too TRANSWORLD SYSTEM INC has also Violated XXXX. XXXX. XXXX  XXXX. They are knowingly furnishing inaccurate information which is a {$5000.00} violation per credit reporting agency they are reporting to. 

I also sent them a letter exercising XXXX. XXXX XXXX XXXX where they are required to correct any inaccurate information from my consumer reports and they have failed to acknowledge my request.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

This is on Robinhood. On XX/XX/XXXX, I tried to withdraw money back to my bank account and it failed. I tried multiple of times. My account is in good standing and dont owe anything. I also had the money that I was trying to withdraw. Later that day I received a notification that my Robinhood account is temporarily restricted without any reason. I immediately contacted them through XXXX chat and they said they cant do anything and told me to just wait for an email. Next few days I did get XXXX emails, requesting documents to verify identity and bank statements. All of the requested documents were submitted immediately. Then after that until today XXXX I have not heard anything. I called them and spoke over the phone the past XXXX  days including today, and all they say is they cant help or say anything. I have my savings that I deposited in there that Im trying to withdraw. I need to pay my bills and support my family but they are restricting me from my funds. Please help, I have almost {$24000.00} in there that Im trying to access. My Robinhood account is in good standing and dont owe anything. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting disputes with the three major credit bureaus and none of them have responded to me! I have serious erroneous items on my credit file and I have been getting no where. Since XX/XX/XXXX I have sent multiple disputes and deletion letters and yet nothing seems to get done. The bureaus must remove things from my credit! Under the law you have 30 days to respond to my disputes and its been MONTHS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inaccurate names and an address being reporting in the personal information section of my consumer report. I requested to have the information deleted because I want to protect my confidential info and avoid identity theft. I do not want my personal information accidentally mailed to the wrong address. I can not receive correspondence from the address ( XXXX XXXX XXXX XXXX, TN XXXX ), nor will I ever know if and when to respond if mail was sent to the other address by error. Someone else lives at that address. I also do not use 3 different names XXXX XXXX, XXXX XXXX XXXX ) to apply for credit. Under the FCRA 15 USC 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX INQUIRIES 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: Credit card or prepaid card

I WILL SUBMIT MORE INFORMATION ON MY ORIGINAL FILING THAT WAS CLOSED WITHOUT MY RESPONSE TO THE COMPANY RESPONSE TO MY COMPLAINT. 

I HAVE MORE INFORMATION THAT I WILL BE SUBMITTING BY REGULAR MAIL. 
I AM CHARGED TWICE ON INTEREST ON MY ACCOUNT. ONCE ON THE " XXXX OF THE MONTH, WHICH IS CHARGED TO MY " CREDIT CARD '' WHICH IS TAKEN FROM THE BALANCE ON MY CARD. 
IF MY BALANCE IS BEFORE THE XXXX ( example {$130.00}, after the XXXX my account is charged {$44.00}, they take the money out of my charging balance, now it reads {$80.00} on my available credit charging ). THEN ON THE NEXT MONTHS BILLING I'M CHARGED " MORE INTEREST '' WHICH I PAY IN CASH WHEN I PAY MY MONTHLY CHARGE. 
HOW IS THIS RIGHT? OR FAIR? 
MY COMPLAINT XXXX
Product: Mortgage

Paid off my mortgage XXXX, XXXX. My prime equity matured XX/XX/XXXX with a different bank than my mortgage. I could not pay the balloon payment in it's entirety so I contacted Wells Fargo for assistance. I applied for assistance XX/XX/XXXX. Approved for long term assistance XX/XX/XXXX. Trial payment period started XX/XX/XXXX thru XXXX, XXXX. Started receiving new mortgage statements XXXX. Paid thru XXXX, XXXX then was told I had to do another application in XX/XX/XXXX. So I did but Wells Fargo would not take any of my payments XX/XX/XXXX thru XXXX XXXX. Took payments XX/XX/XXXX thru XX/XX/XXXX. Stopped taking payments XX/XX/XXXX to present
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Wells Fargo Card Service for their failure to issue Form 1099-C ( Cancellation of Debt ) for a charged-off debt and for their inaccurate reporting of this debt to the credit bureaus. 

I have an account with Wells Fargo Card Service, with the account numbers XXXX. According to the provisions of 26 U.S. Code 61 ( a ) ( 12 ) of the Internal Revenue Code, any canceled debt of {$600.00} or more is considered taxable income and must be reported by the creditor on Form 1099-C. To date, Wells Fargo Card Service has not provided me with the required Form 1099-C for the charged-off debt on my account.

This form is critical for my tax reporting, as I am required by the IRS to report canceled debt as income. Failure to provide the 1099-C form not only complicates my tax filing but may also constitute non-compliance with federal regulations.

Additionally, I am concerned about the accuracy of Wells Fargo Card Service 's reporting of this debt to the credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), creditors are prohibited from reporting false or misleading information to the credit bureaus, including improperly reporting a canceled debt as income. Specifically, 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) requires that any information reported to the credit bureaus be accurate, including ensuring that canceled debts are reported properly to the IRS, not to the credit bureaus as income.

I request that the CFPB investigate Wells Fargo Card Services failure to issue the required Form 1099-C and its inaccurate credit reporting practices. I would appreciate the CFPBs assistance in ensuring that Wells Fargo Card Service complies with its obligations under the tax code and credit reporting laws.

I would greatly appreciate it if the CFPB could look into this matter and assist me in resolving the issues with Wells Fargo Card Service.
Product: Credit card or prepaid card

When attempting to login to my GoProgram card to check the balance of my Oklahoma Unemployment Benefits I was unable to login and was notified that my account had been suspended due to suspected fraudulent activity and was directed to call the 800 number on the back of the card. I have attempted to reach somebody at the 800 number 4 times thus far and wait on hold for 2 - 2.5 hours and then I am disconnected by their phone system. I am still unable to access my benefits and haven't been able to purchase  food for my family on XX/XX/XXXX and I am afraid I will be unable to on XX/XX/XXXX.
Product: Debt collection

Spire Recovery Solutions is calling my place of employment talking about my debt with my office management. Spire Recovery Solutions have called several times after being told they will not provide information about employees. It has become an embarrassing situation for me. It makes me feel uncomfortable being around employees that heard about this company trying to get a hold of me.
Product: Mortgage

I'm applying for a cash-out option with new american funding for my home loan equity. But a couple of collection accounts I have. I tried to work with them for them to remove it. But they refuse to remove it. Because they have closed them I told my loan officer. I'm applying for my cash-out option for my home loan equity. For a new roof and ac unit and for new flooring. I just need the money right now to pay off the bills along with getting a new roof and ac unit.
Product: Debt collection

Dear Sir or Madam, IQ Data International is attempting to collect an alleged debt that they claim is owed to my previous landlord.

I disputed this alleged debt and provided documentations demonstrating the amounts alleged owed by m
y previous landlord for several months of rent they alleged was not paid was in fact paid and I provided receipts to IQ Data International, requested that they investigate the matter as I was disputing the debt, but they failed to respond to my debt verification requests or provide the requested documents pursuant to the Fair Debt Collection Practices Act 15 USC 1692g. They failed to do either, but instead reported this inaccurate invalid debt to the credit reporting agency.
Product: Vehicle loan or lease

I file XXXX  XXXX Bankruptcy XX/XX/XXXX XXXX Toyota Financial was included, I spoke to Toyota on the XXXX of XX/XX/XXXX and informed them I was returning the vehicle I took to XXXX Toyota, Sales Manager name was XXXX, I gave keys he took pics, said he will call in the nest day, that never happen, vehicle still sitting at XXXX Toyota, XXXX said he gave keys to Toyota Sales rep, and he did nothing?, Toyota is reporting negative information on me with all three credit credit agencies, I filed XXXX XXXX for a fresh start and in spite being included in XXXX  XXXX they are calling me reporting XXXX addition debt dragging my score down even further.
Product: Credit card or prepaid card

Starting on XX/XX/XXXX I started receiving phone calls from XXXX XXXX  XXXX and capital one asking if I had opened these applications for lines of credit. I denied having done so. Then on the upon checking my credit report I saw a fraudulent account opened with BECUBank its actually a credit union. And when I called them they asked me to do a police report which I did on XX/XX/XXXX. I have also placed fraud alerts on all three credit bureaus on XX/XX/XXXX. I have also put a security freeze with the credit bureaus on XX/XX/XXXX, XXXX. BECU told me that there was online banking done under that fraudulent account by a person a name of XXXX XXXX. They had opened a checking account and used bill pay to pay some bills or rent. I am in the process of closing these fraudulent accounts with BECU. Whoever did open these fraudulent accounts had my Social Security number and my address, and was able to do so with just these two pieces of information.
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 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 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: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Equifax creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting or other personal consumer reports

I have made several attempts to address the unauthorized inquiries on my consumer report without success. These inquiries have no connection to me whatsoever, and I am not responsible for them in any way. Their presence has resulted in considerable emotional and financial hardship. As an identity theft victim, I may need to resort to legal action if this issue is not properly resolved.

The false and fraudulent entries on my report have significantly impaired my financial opportunities, preventing me from acquiring my desired home and adequately supporting my family.
Product: Checking or savings account

I have requested a removal of a personal statements or consumer statements I have with Equifax and XXXX but still I see reflecting still. Please remove any personal statements on any XXXX XXXX that still has the fraud alert or reports as it is inaccurate. Also, remove my old phone number XXXX and update my Phone number as accurate as what I currently have access with now. My correct phone number and also the updated one should be XXXX and XXXX. All or any newly opened or reported account opening should verify it directly with me daytime phone XXXX or XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXX closer look, this was due to inaccurate information on credit report ; mine. My XXXX id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I have had a data breach with equifax they have my stuff on my dark web and sold my information also on XXXX I noticed a lot of address wrong social different names used that I got to report bc I think someone in Texas have bought a house in my name I need every consumer that is in with these peony and at the time I was paying to get my credit up so everything has got screwed up but I dont see how different names and address and different social popping up on all my stuff and so now I am in a world of XXXX and been wondering why they cant verify me bc my stuff got stolen by hackers!!!! I need to notify everyone and plus things I dont know about!!!