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

The following inquries i did not authorized. I tried disputing twice and they saying i did it. 




XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Banks and XXXX & XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX , personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  and XXXX & XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Banks and XXXX & XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX  and XXXX & XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

JP Morgan Chase Bank JPMCB CARD XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, DE XXXX TEL : XXXX Company named above claims as a creditor on my credit report. 

Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I am in collections, but fails to state the amount or what reason that I am in collections This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. 
I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statue of limitation ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus failed to do so.
Product: Money transfer, virtual currency, or money service

I am writing to verbally express my complaints regarding Zelles handling of disputes, particularly the CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution, and Zelle has failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was m unfeasible. The CFPB findings indicate Zelle has failed to not only protect the customers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of responsibility and transparency is unacceptable and raises concerns about customer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my consumer report and I notice that the following account states that it's in bankruptcy and has also been sold to XXXX XXXX XXXX. There is no bankruptcy on my consumer report and you can't sell debt in a XXXX as it is against the law. 

XXXX. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 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. 

XXXXXXXX  : Debt included in XXXX not true, Last Updated XX/XX/XXXX, Date Opened XX/XX/XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX, I took delivery of a XXXX XXXX XXXX from XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, MD XXXX, ( XXXX ) XXXX. My salesperson was XXXX XXXX and the finance director was XXXX XXXX. I was having difficulty acquiring a loan with my XXXX XXXX XXXX as a trade. I spent several hours over 6 days, working with Mr. XXXX. I could not get a loan with my XXXX XXXX incorporated in the purchase. I was told there was too much negative equity. I asked if it would be a better chance on getting a loan approved if I selected a new vehicle. I was told it was possible. I was shown the XXXX XXXX XXXX by Mr. XXXX. After I looked at the vehicle, I was told that I could get a loan but they could not take my XXXX XXXX XXXX as a trade. I was told by Mr. XXXX XXXX to complete the purchase on the XXXX XXXX XXXX and have the XXXX XXXX XXXX voluntarily repossessed. Mr. XXXX  gave me instruction on how to have my XXXX XXXX XXXX voluntarily repossessed and I was provided with a loan from Ford Motor Credit based on this discussion. The voluntary repossession left me with a charge off debt of {$18000.00}. In XXXX, my wife requested that I return the XXXX XXXX XXXX to Ford Motor Credit. I complied. Ford Motor Credit filed a civil suit for {$6000.00}. Now, I have two repossessions on my credit ( charge off ) and owe {$18000.00} to XXXX XXXX and {$6000.00} to Ford Motor Credit as a result of the transaction with the finance director XXXX XXXX and salesperson XXXX XXXX of XXXX XXXX XXXX. I feel that it was improper for Mr. XXXX and Ford Motor Credit to offer a loan for a vehicle from XXXX XXXX and advise me to have my XXXX XXXX XXXX voluntarily repossessed, knowing I could not pay for two vehicle averaging {$680.00} for each vehicle. The payment on my XXXX was about {$680.00} and the XXXX XXXX was about {$680.00}. Mr. XXXX and Mr. XXXX knew I could not afford to pay for both vehicles at the same time and that is why Mr. XXXX told me to have the XXXX XXXX XXXX voluntarily repossessed. I feel I was targeted and mistreated by XXXX XXXX and Ford Motor Credit by offering me a loan knowing it required me have my car repossessed and eventually sustain a residual debt from the voluntary repossession as well as a negative rating on my credit report.
Product: Money transfer, virtual currency, or money service

I bought a tool called XXXX XXXX XXXX, where this tool promised to manipulate XXXX and position your videos in the first positions of XXXX. 

I made the payment of {$97.00} in this tool and used it for two days, and the tool did not do the results it promised, it still caused me harmful damage to my XXXX  channel. 

I went to ask for the money back by paypal, I still lost the dispute and the seller, laughed my face and canceled the remaining 22 days that I had paid. 

Then you can see that it's a seller that we can not trust. 

Stay alert with XXXX from XXXX XXXX, he does not deliver on what he promises.
Product: Payday loan, title loan, or personal loan

This company Goodleap has failed to take automatic payments from my debit card for over a year now and in results have been reporting to the credit bureaus late payments I have recently claimed bankruptcy and I explained to this company that since Covid I have been dealing with financial issues I have finalized my bankruptcy and was told by this company that even if I was in bankruptcy and I did or did not include them in the bankruptcy which I didnt claim them in the bankruptcy, I am continuing to pay them and I am in good standings, they said I am no longer to be put in for automatic payments and that they are not going to help me resolve any credit issues I had asked them in good faith and transparency is there anything I can do and they had said no I am being discriminated against I feel like my financial situation is the reason why they are treating me this way I had spoke to an individual who is a manager her name is XXXX XXXX I had asked her to please provide me this information stating that they are no longer able to except payments from me because I am bankrupt she said this is her company policy she had also stated there was nothing I can do and no one else to talk to and whoever I talk to is going to tell Me The same thing. I explain to her that I do feel like she is targeting me because of my financial situation I explain to her that I am current on the account and Im just trying to get answers she explained that I need to email her to get any answers answered and that she is not going to transfer me to anybody or let me get any help from anywhere else I also ask for a supervisors name which is XXXX XXXX I have yet to receive a call or any feedback from her I was told she is aware of the situation and was going to contact me, discriminating against me for my financial situation that I have no control over is illegal and wrong and I will pursue this if need be legally.
Product: Debt collection

I had a past due balance from an apartment Complex called XXXX XXXX which was sent to Hunter Warfield, a collection agency. I spoke with XXXX XXXX back in XX/XX/XXXX who said that my balance was {$570.00}, but was willing to settle for {$220.00}. I was unable to do that as I originally planned. I called the agency back today & spoke with XXXX XXXX who now says that my balance is {$580.00}. I asked why and he said that they charge interest and that they 've had the account since XX/XX/XXXX. When I .looked at paperwork from XXXX XXXX, my balance was {$520.00}.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Checkr , Inc. for their mishandling of my background check, which has had a severe impact on my ability to work and has resulted in significant financial hardship. 

I applied to be XXXX XXXX  for XXXX in XXXX I completed all necessary steps, including obtaining a local driver 's license ( upon request by XXXX ). XXXX utilizes Checkr , Inc. for conducting background checks. Subsequently, I received a notification from XXXX that Checkr is stating that my background check had failed. 

Upon reviewing the provided information, I discovered that my last name was misspelled in Checkr 's records, while it was correctly spelled on XXXX 's platform. Despite multiple attempts to rectify this issue by contacting both Checkr and XXXX directly, neither party has resolved the matter. 

This error has also prevented me from signing up with other companies such as XXXX and XXXX, which similarly rely on Checkr for background checks. Consequently, I am unable to work with any company requiring a driver 's license check through Checkr. 

I have filed a complaint through XXXX XXXX XXXX XXXX XXXX XXXX XXXX  regarding this issue, but have not seen any resolution through that avenue either. Despite my efforts to resolve this problem through direct communication with Checkr and XXXX, and even with the assistance of the XXXX, the issue remains unresolved. 

As a result of this ongoing problem, I am experiencing significant financial hardship and am unable to earn a living. 

Thank you for your prompt attention to this matter. 

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

XX/XX/2024 I am not able to register debt from available credit of profile name on web page. I need a XXXX XXXX dollar line of credit or of funds made available to savings account from available credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  account with XXXX balance & showing collection status was included in bankruptcy filed XX/XX/XXXX & XXXX in XX/XX/XXXX. I have disputed with you previously, and after months of waiting and going around about this issue, you found in my favor & updated it to included in bankruptcy & zero balance. The very next month the entry showed a balance and collections status again & I disputed again. You deleted the entry completely. I was just notified yesterday that another dispute was opened for the account but I never requested a dispute, so I called and asked you to delete the disputes because my credit report was fine with your bureau and looked correct. You assured me the disputes were deleted, but this morning when I checked my report you have processed the dispute that I didnt initiate and as a result the account is showing up on my credit again and it is showing in collection status with an XXXX balance again?! I called & talked to a rep who said he can update it back to included in bankruptcy again but I need someone to make this account stop coming back and tanking my credit every month. Please delete or block this account from being able to be added back or changed and please block any disputes from being able to be initiated unless I call and request myself. This was fixed and now I am back to square one again. These are old accounts that have no reason to be edited at this point once they are corrected. I have attached a copy of the previous dispute where you deleted the entry and a copy of the recent dispute that I did not initiate where you added it back.
Product: Debt collection

XX/XX/XXXX, I start a water delivery service company called XXXX XXXX by XXXX. I have 30 days try their service but after they delivered water and cooler in my home ; I return all equipment on XX/XX/XXXX, because I found that water has particulars inside. I cancel my service. XXXX company charged on my credit card for every month {$33.00} I dispute this case with XXXX card. 

XX/XX/XXXX, I received a collection letter from Associated Credit Service INC. Also, I received several harassment phone calls from them. They demanding {$200.00} plus {$190.00}. They showing that the two XXXX XXXX   Water company account, they asked two separate charges. This credit collection agency asking depth not, it is not mine plus they showing two separate case file and two different account number. 
Also, contact with XXXX XXXX water company, I spoke with the collection and credit department. The person I spoke with XXXX. I confirm that I only have one account. 
This collection company, try to collect money that I do not owe or service with.
Product: Checking or savings account

Capitalone has not deposit my check XX/XX/year>. In the amount of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Gm financial once again reported to credit bureau about my account even though they have sold my account to a collection again This an attempt to destroy me by a XXXX manger in XXXX North Carolina because we got in to an argument. We had made arrangements about the payments on the vehicle. The next day he repossessed the vehicle. Then he promised me that I wouldnt have to worry about it being on my report. He said if it did appear he would remove it. I said wait a minute you telling me if this appears on my credit report you will remove it.I asked him that because I dont trust no one I mean no one not even my mother. He said yes thats a easy fix. Well that easy fix has cause me nightmares. It has cause me nearly one hundred points since XXXX. I will be contacted my uncle who is U. S. Senator to let him know that how I am being treated and what this credit bureau is doing to me. No wonder theyre talking about abolishing the three credit unions. Because if they let whats happening to be everybody in this world that is a shame. Well not everybody just XXXX and XXXX. I also will contacted the U.S.Congress OF These United States of America to let them know about the injustice people of XXXX are experiencing with these three Credit Bureau. It is a shame I fought for my country. Im a 100 % XXXX Veteran and I have to experience this type of horrible treatment from the credit bureau. This is the year 2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again, this has been going on since XXXX XXXX 2021. The XXXX XXXX Account do not have any account with me or for me. I have no contract with them and just learned, they do not have anything in my nor are they attempting to collect a debt in my name. Equifax is constantly stating they are working on the issue. How can you work on something that is not valid and does not exist. I have also reported this to my states attorney office as well. They can not provide a method of verification because there is no account for them to verify. They have violated the FCRA and also my rights and I will be pursuing this further. They damaging my name and reputation buy having incorrect information on my Credit. There are still 2 other complaints with you all that are open. XXXX  and XXXX  have remove the item because it does not exist.
Product: Debt collection

My card was charged {$130.00} which I didnt make any purchase or withdraw Ive already contacted my bank for a new card and a dispute to help fix the transaction that was made.
Product: Checking or savings account

Check XXXX : XX/XX/2013. 
Deposit of a {$3400.00} check from XXXX XXXX XXXX, issued by XXXX XXXX. 

Bank of America placed a hold on the entire check amount. The provided reason was, " A hold was placed on your check ( s ) because check specific information indicates item may be returned. '' My subsequent inquiries to the bank were met with a response that the process is automated and can not be manually overridden. 

This is a deviation from my usual experiences with Bank of America, where at least a portion of the funds from similar checks was made available promptly. The hold has resulted in severe financial distress, leaving me without funds for basic necessities. I am now unable to pay my rent and am forced to rely on a food bank for sustenance.
Product: Money transfer, virtual currency, or money service

I have had my PayPal business account for years. I have never put a balance on my account but i was going to purchase something for XXXX via shop but my PayPal balance has dropped to {$0.00}. I had XXXX US dollars in my PayPal account. I was away for the weekend so I wasnt home and then when I come back on Sunday XX/XX/XXXX I see that I have so many emails from PayPal saying my password has been changed and I sent money to this person named XXXX XXXX. I have never done business with this person so this is obviously a scam! I tired to dispute it with PayPal many times and they are saying this transaction looks like a usually transaction on my account. No it doesnt! You can see in less then 30 mins they are more 40 money transactions at once! This is fraud and I need my hard earned money back.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a dispute letter to XXXXXXXX XXXX XXXXXXXX, via Certified Mail. The letter I have added a screenshot of the United States Postal Service mailing information for said letter within this mailing as proof. I have also included a copy of the original letter received. My initial letter stated the following Upon reviewing my XXXX, XXXX, and Experian credit reports, I see that your company has reported a delinquent account in my name, with an unpaid balance of {$1000.00}. This account is currently showing as a collections account on all XXXX of my credit reports, and has had a negative impact on my ability to receive credit approvals. 

I do not take any responsibility for this debt. I have no recollection nor any written proof of ever applying for or opening accounts whereby these funds would be charged to me. I do not believe this account belongs to me, and I demand it be removed from all XXXX of my credit reports immediately. 

I am reaching out via this letter, demanding to see Verifiable Proof in the form of an original consumer contract with my signature on it, along with any and all supporting documentation pertaining to this account belonging to me. 

I am aware that according to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), it is a federal law requirement that physical verification of the original signed consumer contract be performed to ensure accuracy of any and all debts. I am also aware that by law, your company has 30 days to complete this investigation and to mail the requested documentation back to me. 

Enclosed are copies of my credit reports, showing this account for your review. Please investigate and mail the requested documentation to me as soon as possible. 

Your immediate attention to this matter is appreciated. 

At the time I am writing this letter, it is now XX/XX/year> ; 31 days after my initial letter was received by XXXX XXXX XXXXXXXX. I have also enclosed a copy of my credit report dated XX/XX/year> which shows that the disputed account below has not been removed from my credit report.
Product: Debt collection

The case subject : I was charged with a Student Loan without a valid Legal Document as a proof.The charge was made through a series of very intimidating home phone calls.The year : around XX/XX/XXXX. After my Graduation from XXXX XXXX XXXX XXXX in XXXX XXXX XXXX ( the year XX/XX/XXXX ) I paid two left Student Loans with monthly payments up to XXXX .After this date I was free of debt to XXXX XXXX XXXX XXXX or other Financial Institution. During all the school years my fees and tuition were paid through Grants and Awards Letters received every Semester.As I mentioned above the sudden and unexpected phone calls started around the year XX/XX/XXXX from people from American Student Assistance implying I have a Loan to pay, a Loan I knew nothing about it. What fallowed was a series of disputed and very frustrating phone calls and incriminated letters which went on for years. As a result in the year XX/XX/XXXX my family Federal Income Tax Return started to be collected by XXXX XXXX, a Collection Agency and they keep collecting our Tax Return every year up to present time. Some time ago I was sending a written Complaint to Consumer Financial Protection Bureau explaining my case with more details. The Complaint number is:XXXX and the date submitted to CFPB : XX/XX/XXXX XXXX Product : XXXX XXXX.
Product: Checking or savings account

I made a commitment to Chase bank in XX/XX/2018 submitting two payments to the same payee via online bill pay. However Chase bank failed to honor the agreement, the payee is demanding proof of payments or the mailing envelops in order to waive the penalty {$930.00}. When asked, Chase bank refuses to provide me the envelops, due to the fact that the two payments were never sent in the first place.