23daVinci/CFPB_Complaints huggingface dataset:
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 numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate claims adequately. They informed me that recovering 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 scam.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I recently obtained a copy of my credit report and noticed multiple discrepancies, including unauthorized inquiries and conflicting information on the same accounts across the credit bureaus. 

These discrepancies include differing account numbers, dates of last activity, last payment dates, balances, account statuses, and original balances. The listed accounts are as follows : XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX Important dates Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXXXXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX Important dates Inquiry date XX/XX/XXXX I request that you provide me with complete documentation related to these accounts. This should include the original contract bearing my wet signature, full transaction history from the date of account opening to the present or closure, and any other documentation used to verify the accuracy of the accounts. 

I want to remind you of your obligations under 15 U.S. Code 1681e ( b ), which necessitates following reasonable procedures to assure the maximum accuracy of the information relating to the individual on the report.

Furthermore, under 15 U.S. Code 1681i ( a ) ( 5 ), in the event of any disputed information being found inaccurate, incomplete, or unverifiable during any reinvestigation, the consumer reporting agency must promptly delete or modify that information and notify the furnisher about this alteration or deletion.

As such, I expect a thorough investigation into this matter. If you're unable to provide verifiable proof within 15 business days after your investigation, the disputed accounts and/or the listed information must be removed. 

Enclosed you will find copies of my ID and a utility bill for identity and address verification. 

Looking forward to your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX did an inquiry and I do n't know why
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX Trafficking Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX  trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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

On XX/XX/2023 I received a letter from XXXX XXXX  stating they had won a lawsuit in court against me. I dont have any credit cards. XXXX XXXX XXXX. My mom went online and got a copy of my credit report and there were several things on there I never signed up for, the following is on my credit report that I never had knowledge of : 1. XXXX XXXX 2. XXXX XXXX XXXX. 
3. XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax investigation has taken more than 75 days to investigate my initial dispute, and they have still have failed to respond more than 75 days later. I wrote to Equifax requesting an investigation to advise them of accounts showing Inaccurate, Unverifiable, and Incomplete on my credit report on XX/XX/XXXX. Equifax received and accepted through registered mail my dispute letter mailing dated ( XX/XX/XXXX ) and my follow-up letter dated ( XX/XX/XXXX ). To date, they have not done their duty as mandated by law. These erroneous errors are continuing to report on my credit report after multiple attempts to have them corrected. Under Federal Law, I also understand they are required to complete and notify me of their investigation results within 30 days, which I have given an additional 45 days due to COVID, which they have failed to provide me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX-XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXXXXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX Date of inquiry XXXX XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 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 or other personal consumer reports

After reviewing my credit report on XX/XX/2024, I noticed personal information that was not furnished by me to the credit reporting agencies : XXXX, XXXX, and Transunion. After calling to correct the information and update it, they failed to removed non-mailable addresses and incorrect names on my credit report. They also refused to provide the names of the furnishers of the information found on my credit report. 
According to the Fair Credit Reporting Act, 15 USC 168 section XXXX a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and Transunion are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared. 
15 USC 1681 section XXXX a section XXXX states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Consumer reporting agencies XXXX, XXXX, and Transunion do not have my consent to furnish this information and they surely do not have my written consent. 
15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. XXXX Transunion, and XXXX are not maintaining reasonable procedures.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Had previously filed a complaint against Aspen for their illegal third party reporting on my credit and they have removed the incorrect information ; however, my husband who was also on the fraudulent contract also still has a blemish on his credit report with XXXX XXXX
Product: Credit card

I have been a customer with Bank of America for over 20 years. Today was the worst service they have provided. They reissued a debit card without consultation with me. Because I am abroad, this is a problem for me because the new card was send to my home address in the USA. I called 5 times and was finally disconnected when the customer service office closed at XXXX XXXX I GOT ABSOLUTELY no help FROM ANYONE. 3 OF THE REPS WERE RUDE, INCOMPETENT AND PLAIN UNHELPFUL. This is the WORST service I've got from Bank of America. I nedd this complaint to be sent to them and I am asking to have a SUPERVISOR call me ASAP, listen to the issues I raised, and propose a solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

One of 2 accounts ORIGINAL creditor XXXX XXXX/ credit card sold account to XXXX XXXX XXXX XXXX Balance was incorrect. Account was paid off, for amount reflected on last collection letter. XX/XX/XXXX. Second account XXXX XXXX/ credit card. In house collection agency XXXX XXXX. Was paid in full for total amount due. XX/XX/XXXX. I uploaded and sent proof of account paid in full with initial letter received from. Original creditor. My report was disputed. As well as investigated. The information was not Corrected, as of XX/XX/XXXX. Also submitted proof of balance on XXXX/ credit card account bought up to date {$0.00} balance as of XX/XX/XXXX. Report still indicates balance on this account is still {$340.00} against my secured line of {$1000.00}. Credit. Information is not reflecting my account settlements as per information received in writing from creditor. As well as my existing account with XXXX, balance is {$0.00}.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) 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 their platform, leaving my account vulnerable and unprotected. Further more, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These Actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, 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 section2 : 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

XXXX Chase Credit Card has flagged my account for the late payment. My XXXX payment is scheduled to pay on XX/XX/XXXX and there was no payment due when I checked the account. I never received any phone call, invoice from them stating that my account is past due. This account has been closed since XXXX and I've been making {$150.00} payment since then. 

Per XXXX payment history I've made all the payments on time it's showing as 85 % payment on time. My account is not delinquent. Also, I requested XXXX Chase XXXX to change my payment date multiple times toward the end of the month and it was never done. 

XXXX Chase XXXX informed that I am behind on my payments and they stated that because I owe {$150.00} on XX/XX/XXXX. I told the representative that why are you asking for a payment in advance because the due date is so far. I feel like they have been pushing clients so much to collect a big amount instead on focusing on monthly payment and flagging the account for no reason.
Product: Credit reporting or other personal consumer reports

After doing some research i found out my data was leaked in a breach. I don't know how this happens but it resulted in multiple accounts that werent mine on my report. There were XXXX as of XX/XX/XXXX. The accounts are XXXX XXXX XXXX opened on XX/XX/XXXX with a {$XXXX} balance. XXXX XXXX XXXX opened on XX/XX/XXXX with a {$XXXX} balance. XXXX XXXX opened on XX/XX/XXXX with a {$XXXX} balance. XXXX XXXX opened on XX/XX/XXXX with a {$XXXX} balance. XXXXXXXX XXXX XXXX XXXX (  XXXX XXXX XXXX XXXX  ) opened on XX/XX/XXXX with a {$XXXX} balance. As you can see most of the accounts were opened within the same time frame.
Product: Mortgage

Trial Modification trial period plan was received, made the 3 trial payments received foreclosure notice from foreclosure attorney for a sale date XX/XX/. 
Please cancel foreclosure sale date I have made all my payments.
Product: Mortgage

US Bank Home Mortgage- I was approved through the HAF program for past due payment and 6 months of forward payments. I received my past due XX/XX/2022 and XXXX payment XX/XX/2022. I have not received XXXX payment. The HAF program says they sent XXXX payment and has now sent XXXX payment and US Bank are saying they have received nothing. Please help.
Product: Credit card

Capital one has merged with kohls store card. Although I am paying my monthly bill the balance is increasing. This is due double charging me interest twice a month. I called to inquire and the rep said the only way until stop is if you pay your balance in full. Other than that youll keep getting interest until its paid. I ad used although Im paying the balance will be triple since you are scamming people by charging interest twice a month. No one will be able to get the balance down. The rep said like I said the only way for that to stop is if you pay the whole balance and not the monthly payments. The questions I had, the rep avoided and continued with the same speech. This company is scamming people and placing us in high debt. When I asked about closing the account and pay on my balance will I still get interest charged. At first, she said no ; then she read the disclosure statement and I stopped her from continuing because the statement states that I will continue to be charged.
Product: Debt collection

XXXX XXXX previously sold a debt to XXXX XXXX XXXX. I paid the account in full and XXXX XXXX XXXX sent me a paid in full letter. Now, National Credit Adjusters is trying to collect a debt that was already paid in full. Additionally, National Credit Adjusters illegally re-aged the date changing the account open date to XX/XX/2023. I demand the account be deleted from my credit file. Please see the attached pay in full letter for XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a telephone call in XXXX of XXXX from Dynamic Recovery Solutions concerning a debt from XXXX that I had no knowledge of. They sent me a letter that I had a " XXXX XXXX XXXX XXXX XXXX' account ending in XXXX, last statement dated XX/XX/XXXX showing a balance of {$9200.00}. I have no knowledge of this account and have in fact never even been in a XXXX XXXX XXXX, I had to XXXX it to find out what it was. I will attach their letter and the letter I am sending the collections agency in response. The alleged debt also clearly exceeds the statute of limitations on debt collection based on the Federal Fair Debt Collection Practices Act 15 U.S.C. ss. 1962 et seq.
Product: Vehicle loan or lease

Toyota Financial didn't report my phone number to XXXX. Toyota Financial mis-spelled my name and she didn't clear up with credit bureaus.
Product: Consumer Loan

I have asked the debt collector numerous times to not contact me at my work as they are jeopardizing my job but yet they continue to do so every time. I gave them my personal mobile number and they still call me at work and every time I tell them they say they will remove the number from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a duplicate account from the same company with a different account blance but i only have one account with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is and has been falsely reporting late payments for a period in XXXX when I had a loan with them. I have already filed a complaint once on this and in the response, the late payments that are being reported and challenged were never addressed. They only addressed late payments from XXXX and XXXX which are valid. ALL XXXX LATE PAYMENTS ARE FALSE. I have billing statements proving I made the payments in addition to seeing them in XXXX XXXXXXXX XXXX customer account portal. XXXX XXXX claims they are reporting correctly yet Experian, XXXX, and XXXX show otherwise. XXXX XXXX XXXX in California even verified they see XXXX XXXX reporting late payments in XXXX when they just recently pulled my credit. Prior to XXXX I had made all on time payments since mid XXXX and continued to do so until XX/XX/XXXX and XX/XX/XXXX. In XXXX and XXXX, during the onset of Covid, they were offering deferrals for car loan payments. I took advantage of that offer which cleared any need of payments for XXXX and XXXX. I then paid every payments on time ( often early ) from then on out. Any time I have ever called, I get passed around for hours until I magically get disconnected. I don't understand why this is such a fight. All I want is my credit report to show accurately for the year XXXX. I am unable to upload the photos of the account payment history as they are too large. Attached are statements showing I made on-time payments and nothing being past due after XXXX cause of the deferments. Also attached are pictures showing the wrong info being reported for XXXX in Experian and XXXX. I am unable to show XXXX without paying for it. There is undeniable proof that I made those payments and I should be showing current for all of XXXX. I am adding XXXX, Experian, and XXXX to this as well. Not to directly complain about them but hopefully make them more aware.
Product: Credit card

I have sent two certified letters to XXXXSANTANDER CONSUMER requesting validation for a debt on my credit report. I never received any evidence that has my signature to prove that the debt is mine. XXXXSANTANDER CONSUMER has not listed this account as " in dispute '' within the 30 day period allowed and their willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]
Product: Vehicle loan or lease

I called over XXXX weeks ago to let Capitol One Auto know that I am out on medical leave XXXX, and I filed socials security XXXX. Was given option of a XXXX mos pay half of what the normal monthly bill is. I had stipulations- one was to make a partial payment that day and other was to wait for paperwork to be e-mailed to be for this and sign and return. I did make the payment, called 3 times asking for when e-mail was being sent afterwards. Was told to " give it few days each time I called in. XX/XX/22 I called and was told something completely different. And that they " could no longer do this ''. I was not informed by e-mail, mail, phone call nothing. I want them to do what they said they would do. I am super sick of Capitol One Auto having me speaking with people overseas call center XXXX who clearly do not understand and give out wrong information, so they took a payment and never sent me the paperwork to sign and return and are trying to go back on that offer now. So, I fulfilled my part and even followed up 3 times asking where the contract was at as I never got it via e-mail. These companies need to be help up to standards here.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  accounts, XXXX XXXX XXXX, 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 XXXXXXXX XXXX, 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting XXXX Account XXXX : XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


5. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Vehicle loan or lease

I bought a used car over a year ago through a private sale. I have been trying since then to get a lien release from US Bank. I have been told that there is no record of the lien because records are only kept for 7 years. I have tried many times through phone calls and emails to get something in writing saying that there is no longer a lien on the vehicle to no avail. The state of MT will not complete the title transfer until this information is received. The vehicle VIN # is XXXX