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

Within the provisions of the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), it is emphasized the paramount importance of consumer reporting agencies fulfilling their obligations with fairness, impartiality, and utmost respect for the consumers privacy rights. Recognizing XXXX, XXXX, and XXXX as consumer reporting agencies, and myself as the Consumer, I assert my right to protect my private information. This right is bolstered by 15 USC 6801, which mandates that financial institutions uphold customer privacy. NewRez-Shellpoint, XXXX XXXX XXXX XXXX XXXX XXXX fall within the definition of a financial institution under this statute. According to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies may furnish a consumer report only upon receiving written instructions from the consumer. NewRez-Shellpoint, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX and XXXX lack my consent to furnish this information and are devoid of my written authorization. Any form of consentverbal, non-verbal, written, implied, or otherwiseextended to NewRez-Shellpoint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX and XXXX is XXXX revoked. Moreover, 15 USC 6802 ( b ) ( c ) stipulates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to opt-out. Regrettably, NewRez-Shellpoint, XXXX XXXX XXXX XXXX XXXXXXXX XXXX failed to inform me of this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) expressly prohibits consumer reporting agencies from including adverse information in a report without proper authorization. The account in question constitutes adverse information being reported without my explicit consent, which constitutes a violation of the law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) mandates that individuals may not furnish inaccurate information to a consumer reporting agency, while 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations. XXXX, XXXX and XXXX are evidently failing to adhere to these requirements. Lastly, 12 CFR 1016.7 affords consumers the right to opt-out at any time. Consequently, I am opting out of NewRez-Shellpoint, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Im currently in the process of getting a loan. During underwriting it was discovered i have a judgment on my credit I was not aware of. The collection company showed on my credit was Jefferson capital. I reached out to them and was told I owe in the area of {$2000.00} for a XXXX account I never started. I asked what was the address the account was set under and they provided an address in Pennsylvania. They also provided an email that was similar to my own with numbers changed at the end. I told the man XXXX haven never even stepped foot in that state and can verify in anyway he liked to verify this account was a case of fraud. He immediately tried to get me off the phone and wouldnt let me speak. I have been getting pushed around for multiple weeks in this situation trying to resolve it in anyway I can but all Im ever told is to wait for a letter in the mail. This company feels criminal and could care less i was taken advantage of and wont be able to get my loan with this on my credit and show no intention of removing it even though I have offered to verify anything they want to prove account wasnt mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX account opened XX/XX/XXXX was sold to XXXX XXXX XXXX XXXX  and subsidiaries ie XXXX XXXX XXXX in XX/XX/XXXX.My account was involved with the CFPB consent order of XXXX XXXX and XXXX was required to cease collection of this account, release the judgment and remove the trade line from my credit report. I have talked with XXXX and they have stopped reporting the debt and removed the judgement from the XXXX account they bought and owned from XXXX. But XXXX is still reporting the trade line last reported XX/XX/XXXX even as they do n't own the account anymore they sold the account not transferred the account .The XX/XX/XXXX CFPB consent order ceases collection activity and removes this trade line. I do n't see how XXXX can still be reporting this, it seems they want to get around the CFPB order and still penalize me when unfair practices were used to collect this debt .I have asked XXXX to remove the credit line and was told no they would not. I feel that by XXXX reporting this trade line they are still trying to collect on this debt as it is affecting my credit score by being listed as an unpaid debt. By the CFPB order XXXX can not receive any form of payment to this account, I can not even pay this debt to improve the effect on my credit report due to the CFPB consent order of XX/XX/XXXX. I am requesting that XXXX remove this credit line in accordance with the CFPB consent order of XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle or many occasions and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering loss funds was impossible and that tracking these funds was not feasible. The CFPBs findings indicate that Zelle was not only unable to protect consumers but 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: Credit reporting

that debt did not belong to me, to my understanding the car was paid off but somehow its still showing on my credit, please take that off of my credit it is effecting my credit score
Product: Debt collection

I received statements from both Discover and XXXX XXXX in XXXX of XXXX indicating that I owed balances on credit card accounts. On XX/XX/XXXX, I sent letters to the XXXX or each company requesting that they validate the alleged debts within 10 days by providing information as required by USC 1692 ( G ). After not receiving validation of the debts, I followed up with the companies. On XX/XX/XXXX I sent a Notice of Fault to each company informing them that I still had not received the required items to validate a debt per USC 1692 ( G ), and asked them once again to provide the items required by the USC to validate a debt. Since I still had not received validation of the alleged debts from either company by XX/XX/XXXX, I submitted an FTC Identify Theft Report. I submitted this report since I believe that these accounts are fraudulent, and I am the victim of identify theft. As of XX/XX/XXXX, I have still not received validation that these debts belong to me. I have, however, received calls, letters, and texts from both companies repeatedly demanding payment for these alleged debts. Recently, Discover sent me a letter indicating that they were preparing to file a lawsuit against me for failure to pay this alleged debt. Additionally, aside from harassment, Discover and the Credit Reporting Agencies ( XXXX, XXXX, XXXX ) have damaged my financial reputation by indicating that I owe these debts. With this complaint I am once again requesting that Discover provide validation that this debt belongs to me per USC 1692 ( G ). If no such validation can be provided, I demand that these accounts be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

After submitting my complaint I was told that the " complaint did not appear to be submitted by me ''. I called the CFPB to confirm that I did in fact submit the complaint and was told to upload a copy of my credit reports showing the violation on Equifax, XXXX  and XXXX There is no option for me to upload this to the existing complaint. 

This, AGAIN, as previously stated numerous times is in violation of my right to privacy under the FCRA. I want this removed from my credit file immediately. 

My full name is XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX phone number is XXXX XXXX XXXX XXXX This is the information you have requested from me so I'm providing it to you again.
Product: Credit reporting or other personal consumer reports

I pulled up my credit files from each credit agency, XXXX, XXXX and Equifax. Each of these agencies are reporting accounts that do not belong to me. The accounts are listed as XXXX XXXX XXXX with account number # XXXX, XXXX XXXX XXXX with account number # XXXX, XXXX XXXX XXXX with account number # XXXX, XXXX XXXX under account number # XXXX. I have requested each credit agency to provide me with contracts that bear my signature that I signed for these accounts. Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must respond to a request for a debt validation letter. If they don't, they're in violation of the act. I will be filing a complaint as well to Maryland State Attorney General Office. The dates the information was requested is XX/XX/2023 and XX/XX/2023. As of today I have not gotten anything from any of the credit reporting agencies.
Product: Debt collection

AFNI informed me that if I paid the debt they would delete off of my credit reports. AFNI is still reporting as a collection on my XXXX and XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a legal team working with me to improve my credit standing. XXXX XXXX XXXX has placed negative, uncharacteristic remarks on my credit reports which is affecting my financial goals. The XXXX XXXX Account is on a regular payment plan and pursuance of this credit card debt is being handled by local law office here in AZ. The payments to clear this outstanding debt are consistent and in good standing. My team of paralegals have sent an escalation regarding negative reporting to the bureaus and I received a letter on XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX XXXX stating they will not investigate the dispute as it is frivolous and irrelevant. There clearly is no integrity involved and this company will dismiss your right to dispute the information on the credit reports.
Product: Debt collection

For at least 10 years I have been hounded about money owed on a Lowes account. I never opened a Loews account and if I did. I never charged anything to it. 10 years or so ago, I paid a bill collector anyway who said this was related to a XXXX charge. The collector promised that I was paid in full. However, I received another collection notice today. I periodically get phone calls.I have called numerous times and can not get this resolved.
Product: Checking or savings account

I tried to close my account because they were charging me money to get the advance money. I was told that I had to pay XXXX to get XXXX $ in my bank account.
Product: Consumer Loan

I acquired an auto loan in XXXX, had perfect pay history until XXXX in XXXX I had a catastrophic event happen to me which rendered me completely XXXX, while waiting for my XXXX to be approved I fell behind in some car payments, once it was approved I paid in full on XXXX/XXXX/XXXX the back amount that I owed and from that day forth never missed or was late with another payment. Loan was paid off on XXXX/XXXX/XXXX. My complaint is that the company I had this loan with never reported my perfect pay history from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX, thus robbing me of good credit on my credit reports instead showing just C/O during these four years.
Product: Credit reporting

Equifax - XXXX submitted my-Name-address, current and previous-date of birth-ss # Equifax than presented me with XXXX multiple choice, " verification '' questions, none of which had anything to do with me. 
Clicking the " submit '' button routed me to an error message, saying I had to XXXX snail XXXX mail them copies of my IDs if I wanted my ( once yearly XXXX credit report. 
When I pay for my credit report, I only need a name and a ss #.
Product: Debt collection

TrueAccoud on behalf of XXXX XXXX charges off an account in the amount of {$320.00}. However they use this as a write off on their end but intentionally neglect to send me a XXXX form for each year they have reported the charges off amount. Theyre have charged off the amount {$320.00} but still report and show it as an amount due currently. Which you cant have a charged off amount and still report it to the credit bureaus as a current amount due.
Product: Money transfer, virtual currency, or money service

Cash app I was a victim of fraud and provided proof both times it happen and the issue was not resolved. I was a victim on my old account that they shut down that was tied to my XXXX and on my new one which is XXXX XXXX
Product: Money transfer, virtual currency, or money service

Subject : Formal Complaint Against Tap Tap Transfer Dear Sir/Madam , I am writing to formally lodge a complaint against Tap Tap Transfer , a money transfer service provider, regarding a transaction that I initiated through their mobile application. The details of the transaction are as follows : - **Transaction Date : XXXX/XXXXXXXX  - **Transaction Amount : {$92.00} - **Recipient : XXXX XXXX XXXX XXXX XXXX ID : XXXX Despite initiating the transaction and receiving a confirmation from Tap Tap Transfer, the intended recipient has not received the funds. I contacted Tap Tap Transfer immediately to resolve this issue, but to date, they have refused to take responsibility or provide any satisfactory resolution. Furthermore, they have ceased responding to my emails and have restricted my access to their platform. 

This conduct by Tap Tap Transfer is unacceptable and potentially fraudulent. As a consumer, I believe my rights under U.S. law have been violated. I would like to bring your attention to the following laws that protect consumers transmitting money : 1. **Electronic Fund Transfer Act ( EFTA ) : ** Under the EFTA , consumers are protected against unauthorized transactions and errors. Financial institutions are required to investigate and resolve any reported errors promptly and fairly. Tap Tap Transfer 's failure to respond and restrict my access appears to violate these protections.

2. **Remittance Transfer Rule ( Regulation E ) : ** This rule provides specific protections for consumers who send remittance transfers, including the right to error resolution and cancellation. According to the rule, remittance transfer providers must investigate reported errors and remedy them within 90 days. Tap Tap Transfer 's lack of response and remedial action is in direct violation of this rule.

3. **Federal Trade Commission Act ( FTC Act ) : ** The FTC Act prohibits unfair or deceptive acts or practices in or affecting commerce. Tap Tap Transfer 's refusal to address the issue and their subsequent restriction of my access to their platform constitutes an unfair practice.

Given the above violations, I request that your agency take immediate action to investigate this matter and compel Tap Tap Transfer to : 1. Refund the full transaction amount to me if the recipient can not receive the funds.

2. Provide a detailed explanation of the failure and the steps taken to prevent such issues in the future.

3. Restore my access to their platform and respond to all my previous communications.

Please find attached copies of all relevant correspondence with Tap Tap Transfer, as well as any other supporting documentation.

I appreciate your prompt attention to this serious matter and look forward to your response. If you require any additional information or documentation, please do not hesitate to contact me.

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Im a Wells Fargo customer from 2012 to present my account was always overdrawn when I didnt overdraw I was always charged a overdrawn fee I will call to confirm what was going on with my account most of the time I will get a mean person on the phone so I would go into a branch and still nothing and now since I refuse to pay a overdraft fee this time Wells Fargo closed my checking account I still have my savings but I see that they charge my savings account I removed all of my money and stop all of my direct deposits and now they talking about closing my savings accounts I been with Wells Fargo for like 10 years and they want even approve me for a secure credit card using my own money witch cost my credit score to go down.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I disputed an account with XXXX XXXX a collection agency because the account was being reported to Equifax although XXXX no longer had my account. The dispute came back in XXXX stating the account is my account. 

On XX/XX/XXXX I contacted XXXX XXXX and was informed that they haven't had the account ( XXXX ) since XX/XX/XXXX and that on XX/XX/XXXX the deletion request was sent by them to XXXX, XXXX, and Equifax, because they report to all XXXX agencies. 

On XX/XX/XXXX I contacted Equifax to ask why the information was still being reported considering XXXX XXXX  contacted them back on XX/XX/XXXX instructing them to delete the account and was told that the information was last reported by XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX stated that they are not reporting anything. 

XXXX adjustments is disputing the accuracy of what is being reported by equifax and stated Equifax has been having issues with their system in regard to reporting incorrect information such as accounts that should be deleted, not being deleted. 

I requested a letter from XXXX XXXX confirming that they have not reported to any of the credit reporting agencies about the account since XX/XX/XXXX. I will be receiving it in the mail. 

I asked Equifax will the submission of the letter suffice once I get it and was told by a supervisor that once they confirm the accuracy of the information they should be able to delete the account from my file. 

I asked The supervisor at Equifax if they contacted XXXX XXXX in XXXX regarding my dispute I filed on XX/XX/XXXX and was told they contacted the original creditor, however I can not see that as being true due to XXXX XXXX stating they haven't had the debt since XX/XX/XXXX. 



I have exhausted all efforts to resolve this issue on my own. Equifax XXXX XXXX  phone number is XXXX. 

Please help
Product: Checking or savings account

am always having issues in opening an account online, it's always saying i couldn't verifying my identity in all the banks i try to open online which is wrong because i am very sure of details that i put in any of the applications that was applying for to be 100 % correct and this has been happening for a while to me. i would always have go to any bank branch of any of banks i need open and its really stressful and frustrating for me
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX XXXX violated my 609 rights by reporting information to TransUnion regarding my credit file. TransUnion further violated my rights by adding this incorrect information to my credit profile for others to see. 

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 , reported to TransUnion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have addresses, phone numbers, and names corrected on my report this is violation of my consumer protection rights.
Product: Vehicle loan or lease

Paid on a XXXX XXXX XXXXXXXX for years, had full cover insurance all my life. I had direct insurance, and full coverage.XXXX XXXX XXXX my XXXX caught on fire and blew up on us. One was burned and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX will not pay for my car, now everything has ruined my life. Had renters insurance through XXXX XXXX, had it for years. My house flooded and lived in setting water for 8 months. Had to throw out my furniture, clothes and shoes, due to mold. They would not cover anything. Had statements from plumber and photos. No adjuster came to my home and even looked at damage, they went by pictures. Ive always had insurance, but when I need them, Im pushed to the side with no help. Its a law we have to have it, should be a law to take care of customers that have always had insurance
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$2700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$2700.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$680.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  {$460.00} XX/XX/XXXX XXXXXXXX XXXX XXXX {$75.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted separate, multiple requests via letter to Equifax Credit Bureau as well as each Creditor, requesting them to investigate several unauthorized hard credit inquiries that they have listed on my credit profile. 

I requested that they either provide me with physical documentation validating these inquiries, or, that they remove them immediately as they are damaging to my credit profile. 

The inquiries that I requested be investigated were as follows : XXXX ( XX/XX/XXXX ) -XXXX/XXXX ( XX/XX/XXXX ) -XXXX XXXX   XXXX ( XX/XX/XXXX ) I can not stress enough, not one of these hard credit inquiries were authorized by me. At no time did I give  permission to any of the above institutions permission to access my credit file. 

As noted above, on XX/XX/XXXX I requested Equifax to investigate. On XX/XX/XXXX, I received an automated response via letter not informing me of any investigation process, but to inform me of how inquiries may have been added to my credit file. I did not ask them how inquiries may end up on my file, I asked them to investigate my unauthorized hard inquiries. 

Equifax did not investigate anything, they failed to move forward any due process in this matter. 

One Creditor also wrote me back in the mean time stating that they ( the creditor XXXX XXXX ) won't even investigate the inquiry and asked me to contact the Bureaus. So if XXXX XXXX wont investigate, obviously they can not verify the inquiry. With that being said, Equifax should remove it. 

Equifax is not doing what they are supposed to do. I am attaching the automated response they sent to me via US Mail, I am also attaching a letter that XXXX XXXX wrote to me stating they will not investigate anything.