23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX was the original creditor for a pay day loan i had in XX/XX/XXXX, the new owner of this zombie debt MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, MO XXXX, re-aged this debt to XX/XX/XXXX. In an attempt to keep this debt alive and on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing this complaint due to multiple accounts showing on my Transunion credit report as a result of identity theft. According to 15 USC 1681C-2 states " except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any info in the file of a consumer that the consumer identifies as information that resulted from an alleged " identity theft '' not later than 4 business days after the date of receipt. ''
Product: Debt collection

They called and said they are looking for my son. Their phone number is ( XXXX ) XXXX. They also called his Uncle. They called me over and over but would not divulge any information as they could only contact my son. I gave them my son 's number on numerous occasions. My Son is in a XXXX program at the University of XXXX. He said they continually call him while he is in lab doing research and because they never leave a message he just assumed it was a political or prank call. Regrettably at my urging he called them back. They demanded payment on a credit card bill we thought had been resolved when he purchased a home in Arizona. They demanded XXXX of the money immediately and got my son 's bank account number and additional information with the second amount in full the next month. We are very concerned and not sure what we should do next. My son acted on my panic. He is a college student with no money. I feel horrible. Since then, I have seen numerous reports on Email this is a scam company. What can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I went to my local bank and closed my XXXX Credit Card account to avoid being charged another annual fee, because I no longer needed the card. I was told everything was handled and there was a {$0.00} balance. They removed the account from my viewing on the website, so I had no way to access the account in any way. The gentleman at the bank ensured me everything was handled. I assumed the account was closed, and it was noted on my credit report in XX/XX/XXXX. All of the sudden, in XX/XX/XXXX I saw a number 90 on my credit report. This signified that I was " late by 90 days for a payment ''. I have never gotten any documentation on this matter until this point. I attempted multiple times to contact XXXX to discuss. I went in circles talking to department to department about how to deal with whatever it was that was negative on my account. Nobody responded to my calls. I then was contacted by a third party collection agency who asked me about the situation and I told them honestly I was shocked that months after I closed the account, these charges showed up, but I was more than happy to work with him to figure out what happened. I called the gentleman back several times, and he never returned my calls. At this point I have no idea what to do, or how to get this off my credit report, but this is totally wrong and unacceptable. I have never had a missed payment in my LIFE. XXXX 's lack of direction, response, and responsibility has caused my future to be in jeopardy as now I am applying for a new job, and trying to secure a new apartment, and have this innocent scar on my record.
Product: Money transfer, virtual currency, or money service

I purchased {$120.00} worth of Bitcoin from Coinbase.com on XX/XX/18. After the purchase they notified me that they would be accepting my purchase and taking my money immediately but withholding the Bitcoin indefinitely. I called them up minutes later on the day of the attempted transaction and tried to cancel it, but they refused. I have contacted them pretty much every day between XX/XX/18 and today ( XX/XX/18 ) asking for them to either refund my money or give me the Bitcoin I purchased and they have still refused to do so. No one would ever purchase an investment at its current market value but not take ownership until an unspecified time of the brokers choosing, I know I would never agree to that and have not agreed to in this situation. But that is how Coinbase.com insists they do business. I still have neither my money or the cryptocurrency I paid for.
Product: Debt collection

We paid this debt in full but they refuse to tell the creditors that it is. I have an email proving so, but my dispute just came back stating that Rent Recovery Solutions said it was not paid. We paid via XXXX XXXX and was told by XXXX XXXX, our account Represenative that if we sent a XXXX XXXX our debt would be deleted off our credit that day. Here we are a few weeks later and it still isnt And they arent telling the creditors our correct balance with is {$0.00}. This account should be closed and deleted from our credit immediately.
Product: Mortgage

Please see the attached. I made two mortgage payments in XXXX since they pretended to never receive the first. When I contacted my bank for a refund on the first one ( that the mortgage co. did NOT give me any credit for ), they have now charged me an additional {$25.00} fee on that payment they claim we never made. ( That's an update since I filed my complaint with you ). So that's two {$25.00} fees they've wrongfully charged us now. Plus the auto pay was approx. {$63.00} more than it should have been in XXXX XXXX They are completely out of control.
Product: Checking or savings account

I filed three fraud claims with Wells Fargo- one was approved as fraud ( {$380.00} ) and the other two were not ( {$170.00} and {$270.00} ). I have spent hours talking with the bank to no avail my account is overdrawn. I have not received a debit card. I have been disrespected and belittled by the lead at the bank I have requested to speak to a supervisor and I have yet to receive a call.
Product: Credit reporting or other personal consumer reports

Subject : Section 611 Dispute Letter Inaccurate Information on Credit Report Dear Credit Reporting Agency, I am writing to formally dispute certain information on my credit report that I believe is inaccurate and violates my rights under Section 611 of the Fair Credit Reporting Act. The specific inaccuracies are as follows : **Item to be disputed : ** XXXXXXXX XXXX  account ending in XXXX **Reason for dispute : ** This account and its associated balance do not belong to me ; they result from identity theft and fraud. 

**Current status : ** Ongoing **Desired action : ** I request the disputed information 's correction, update, or deletion. 



I have enclosed supporting documents that prove my claim, including bank statements, payment records, and identity theft reports. This is so that you know that these documents are for your review only and should not be shared with unauthorized parties. 



I respectfully request that you conduct a thorough investigation of my dispute as soon as possible and verify, amend, or remove the disputed information from my credit report within the 30-day timeframe mandated by the Fair Credit Reporting Act. Additionally, I would appreciate written confirmation of any changes made to my credit report.

Thank you for your attention to this matter. I look forward to a quick resolution that accurately reflects my credit information. 



Sincerely, XXXX XXXX XXXX attachment Scanned by XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number - XXXX I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting Immediate deletion of all prior reporting made to any consumer reporting agencies, Experian, XXXX, XXXX and XXXX. You must Cease Collection efforts until this alleged debt is validated. You must show proof that you Legally own this alleged debt and that it is accurate and complete thank you for understanding
Product: Money transfer, virtual currency, or money service

I am reporting to formally express my concerns for Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution on Zelle failed to investigate my calm s adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPB finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeated 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$0.00}, {$0.00}, {$0.00}, {$4000.00}, {$29000.00}, {$4000.00}, {$13000.00}, {$40000.00}, {$30000.00}, {$54000.00}, {$160.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNTS 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$40000.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$54000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 11. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Product: Credit card or prepaid card

I have a Amazon Rewards Card Visa held by Chase Bank. On XX/XX/XXXX, a charge was made on my card for {$1000.00} at XXXX XXXX. This is not my charge, as I was hospitalized at the time, and the card was in my possession. I also never shop at XXXX XXXX because my husband works for a direct competitor. Additionally, I never charge any amount close to {$1000.00} on the card. I reported the fraudulent charge, it was removed, my card number changed. Now Chase has put the charge back on my card, claiming its legitimate. It is not. I am a XXXX patient, can not leave home. I also dont shop online at XXXX XXXX XXXX Chase is an awful bank. My charging history on the card since XXXX bear out that I never charge {$1000.00} at once, and never in home improvement stores.
Product: Credit reporting or other personal consumer reports

This communication also serves as a formal demand to opt out of the disclosure of my nonpublic personal information to nonaffiliated third parties, as mandated by the Fair Credit Reporting Act ( FCRA ), 12 CFR 1016.7, and 15 U.S. Code 6802. 

Violation Notification : It has come to my attention that XXXX has been reporting information related to the aforementioned accounts on my consumer report without proper verification or my consent. This blatant disregard for my privacy rights and the accuracy obligations outlined in the FCRA and relevant federal privacy regulations is unacceptable and requires immediate attention. 

Opt-Out Request : I hereby exercise my legal right to opt out of any further disclosure of my nonpublic personal information to nonaffiliated third parties, including any information inaccurately or unlawfully reported by XXXX. 

Required Actions : 1. Cease Disclosure Immediately : I demand the immediate cessation of all disclosure of my nonpublic personal information to nonaffiliated third parties.

2. Correct Reported Information : I insist on a thorough review and correction of any inaccuracies in the reported information linked to my consumer report.

3. Confirmation of Actions Taken : I expect a written confirmation detailing the corrective measures implemented by XXXX to rectify the reported inaccuracies and confirm compliance with my opt-out request. 

This letter constitutes a formal complaint, and I am prepared to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and seek legal counsel to protect my rights if necessary. 

I anticipate your prompt response within 30 days of receipt of this letter, providing detailed information on the corrective actions taken by XXXX to address these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 09 XXXX XXXX XXXX, 11 XXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Company 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: Debt collection

I was perusing my credit reports last month and came across a collection account that was originally with a LVNV Funding, but it said that a company called Resurgent Capital Services and I was instructed to contact them directly regarding this collection account. I have absolutely no idea what this collection is from. I do not recognize it at all. It is a small collection of only {$230.00}, so I sent an email to Resurgent Capital Services and included a screen shot of the collection account from my credit report and provided them with my full name. I informed them that I have absolutely no idea what this debt/collection is from, but that I simply want/need it deleted from my credit reports, so I asked if they would be willing to settle this collection for a lesser amount in exchange for deletion from my credit reports. I had to email Resurgent Capital Services MULTIPLE times before I finally got a response nearly a month later. I received a response from someone named XXXX XXXX, who stated that she was unable to locate " any specific account '' in their system under my name. She then asked for very personal information, such as my social security number, date of birth, my address, etc., which I REFUSED to provide her. I don't even know who these people are. I provided her with my full name as well as a screen shot of the collection account from my credit report, which should provide ample information for her to locate any account that they may have for me. 

I responded and informed her that if they have no record of any collection accounts for me, then they need to IMMEDIATELY delete this collection from all 3 of my credit reports. 

Resurgent Capital is now refusing to respond to me and this collection account for {$230.00} is STILL showing on my credit reports. I need it deleted IMMEDIATELY. This is slanderous and false credit reporting and they are violating my consumer rights by refusing to not only communicate with me regarding this, but also refusing to delete this from the credit bureaus. With my complaint I have attached a screen shot of this collection account as it is seen on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 my spouse, XXXX XXXX, authorized Equifax XXXX XXXX XXXX  to pull a credit report on himself. My spouse did not provide them any information on me, ie : name, social security or DOB. On that same day I received notification that an inquiry was submitted on my credit report in my name. I did not authorize a credit report nor did anyone give them my information. The company was contacted and stated that since it is a mortgage in the State of California it was necessary. They were asked to delete the entry and refused. Again I did not give my permission to have my credit report accessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX XXXX  Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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: Student loan

I submitted a request for my payment plan to be changed in XXXX, and they lost or deleted my application with no correspondence. I submitted again XXXX weeks ago and still no word. 

They also charged my bank account twice incorrectly for the same amount. I don't know what to do. They don't have accurate information on how to handle autodebit on their website, they will not respond to email. I have called XXXX separate times, each time put on hold for over XXXX hours, and then disconnected. This is completely unacceptable. They overdrafted my checking account in error and told me that I was overdue for a payment when I was not.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( Experian, XXXX, XXXX ) credit report, and I noticed some late payments on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Acct # XXXX Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX These companies are in clear violation of the law. Under 15 U.S. Code 1681b Permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give written instructions to furnish this account on my report? Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Also, this agency is in violation of the law, 15 U.S. Code 1666b - Timing of payments a ) Time To Make Payments ( A ) creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. THIS AGENCY HAS NEVER PROVIDED, MAILED, OR DELIVERED ANYTHING ACCORDING TO TIMING OF PAYMENTS. Please delete and update the late payments from my consumer report, this agency is in violation of several consumer laws which should be acted upon immediately
Product: Credit reporting

I issued a Dispute Letter by certified mail on XXXX XXXX, 2016, in which I have not received a response from TransUnion. I then sent by certified mail on XXXX XXXX, 2016 requesting deletion of all disputed accounts from my credit report according to FCRA Section 611 ( a ) ( 5 ). TransUnion failed to verify within the 30 day time period and send due notice to myself as to such findings.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 i made a uniformed decision on XX/XX/2017 when I entered the mentioned consumer transaction. At the time I was not aware of the money or costs it will cost me personal, financially, physically, and mentally, to do business or extend my credit to this company. I didnt understand the meanings statedand it was not clear and conspicuous to me at the time. i have been attemping to urchase an assset but but because of this i am not able. I beleive because there is no evidence of a debt only these papers of some type of copied papers of statements the comapny continue to show and this allegd agreement. 
The agreement should be voided because I made a uniformed decision and didnt understand none of it. I could have made a better choice if I knew the details in full. 

Also i don't have any business dealings with company named Convergent, the attatched is not evidence of indebtedness. please delete from my report