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

I HAVE REQUESTED FROM EQUIFAX ON NUMEROUS OCCASIONS A PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CUSTOMER CONTRACT. I HAVE DEALT WITH RUDE AGENTS AND BEING PLACED ON HOLD FOR INORDINATE AMOUNTS OF TIME.UNDER THE FRAC ACT SECTION 609 ( a ) ( 1 ) ( A ), YOUR COMPANY IS REQUIRED BY FEDERAL LAW TO VERIFY THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT. I DEMANDED TO SEE A COPY OF THE ORIGINAL CONTRACT WITH A WET INK SIGNATURE ON IT. COPIES OF COPIES ARE NOT VALIDATION AND ARE NOT CONSIDERED PROOF THAT YOU HAVE ON FILE. UNDER THE FCRA LAWS UNVERIFIED INVALID ACCOUNTS MUST BE REMOVED. XXXX, XXXX, XXXX HAVE NOT GIVEN ME PROOF AS INSTRUCTED. AS A RESULT OF THIS CONTINUOUS REPORTING OF FRAUDULENT UNVERIFIED ACCOUNTS. THIS ACCOUNTS WERE OPEN BY THE THIEF AND NOT ME
Product: Checking or savings account

Zelle is mishandling my money and I want to be part of the lawsuit going on nationwide with cfpb
Product: Credit card or prepaid card

I was convinced by scammers that my computer needed repair-they flashed an alert with a phone number to call across my screen while I was using the computer. I called thinking I was speaking to XXXX-it was XXXX. " XXXX '' took control of my computer and got assess to my online banking information. They asked me for my cell phone number as well. 
I reported the incident to HSBC by phone the day after this happened. In subsequent communication by phone or text to HSBC, I have repeated told them what charges I actually made and for which I will/have paid for. I have changed credit card accounts twice since the original bill : erroneous charges was made to card ending XXXX and the XXXX balance eventually transferred to card ending in XXXX. 
On my monthly statement, I saw charges from XXXX, XXXX, XXXX, XXXX on my credit card. None of these companies I have any prior dealings with. The amounts charged XXXX is also no where near my usual spending pattern. HSBC bank USA has denied my claim to this date, that I was scammed and has insisted that I pay XXXX. To date, I have not received any merchandise to keep or return for reimbursement. I filed a police report as I was asked to do-complaint # XXXX. 
HSBC has been giving me the run around every time I speak to them and when I ask to speak to a supervisor, they are evasive and will not transfer me to a supervisor. 
I have been speaking to multiple people ( I have been writing down dates and names for months ),  no one central. I went to my branch to speak to the person on my denial letter-no phone # to contact him per bank personnel. Difficult to find and communicate with person/persons who made the decision to deny my claim. Difficult to discern how or why they made their decision. Have not been able to get anyone to understand what happened-cyber identity theft- since I made the initial complaint. Difficult to understand the customer service reps due to the heavy accents and being transferred from here to there multiple times with long hold times.
Product: Consumer Loan

I leased a vehicle in XXXX of XXXX. In XXXX of XXXX I began having difficulty making the lease payments. GMAC worked with me to turn the vechicle in early and terminate the lease early. The car was dropped off at our local GMAC dealership in XXXX CA where it was purchased in XXXX of XXXX. This account was later included in Bankruptcy that was filed in XXXX XXXX and Discarged in XXXX XXXX. The issue I am having is that GMAC is still actively reporting this account currently each and every month, which is causing it to apprear on my credit report as a currently derogatory account which is clearly is not. Also GMAC was reporting the account as paid, then when it was included in the the Bankruptcy they continued to and still are reporting it so that it appears currently derogatory. This is affecting my ability to get any kind of financing for another vehicle because it looks like I have a very active derogatory auto loan. 
G M A C DECODE XXXX XXXX XXXX XXXX XXXX CLOSED XXXX I-U UNRATED XXXX XXXX XXXX XXXX AUTO ACCT INCLUDED IN BANKRUPTCY BKPY XXXX ( XXXX ) CH XXXX BANKRUPTCY BKPY XXXX ( XXXX ) AUTO LOAN PAID ACCT INCLUDED IN CH XXXX BANKRUPTCY BKPY XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

. 
XXXXXXXX XXXX XXXX
Product: Credit card

I have contacted Paypall before - no response.

Paypall is asking me for my sign-in information and password to my bank account. I refuse to do this. Today it wouldn't let me make a payment without me giving this private information. 
Paypall adds other credit card information to my account. Today I was asked if I wanted to update another credit card because it had expired. I said no but WHY IS PAYPALL GOING INTO MY CREDIT? 
Paypall has screwed up my information so badly that now I am being denied credit. I have an exceptionally good credit card rating. There is absolutely no reason for me to be turned down from XXXX transfers, from XXXX to refuse to take payment from XXXX XXXX. i DON'T KNOW WHAT THEY ARE DOING BUT IT IS WRONG. 
When I call Paypall, the people say they aren't Paypall, they are synchrony bank.

Pappall has shifted two payments from them to another credit card. I can send this. I never authorized this. 
Please stop them. They have screwed up my credit big time. They have no business with any of my other credit cards. 
What is happening is that they are connected to all my credit and if they put on a hold BECAUSE THEY THINK THERE WAS FRAUD, THEN ALL MY OTHER CREDIT CARDS ARE MESSED UP AUTOMATICALLY.
Product: Credit card or prepaid card

I removed an excess payment on my XXXX XXXX XXXX XXXX of {$2800.00} via cash advance at my local Credit Union. Later I realized XXXX charged a fee of {$140.00} for me to remove the excess funds to get the balance to XXXX. I feel it is unfair to charge a customer to remove a credit balance.
Product: Debt collection

A XXXX XXXX called 6-8 weeks ago and left a voicemail that he was with Alliant Capital Pre-legal division to advise me of a legal matter cae # XXXX. I am going through a divorce and thought this may be about the debts we are working through the court and as per my attorney ( XXXX XXXX ) we have been requesting all debts in writing. So i returned the call and advised XXXX XXXX to send me a copy of the debt in writing. He advised that I was going to be sued and tried to get me to set up payment arrangements. I said I no, I need it in writing & I provided my mailing address as well as my email and I ended the call. Now I am receiving threatening calls from a XXXX XXXX at work and on my cell phone. Friday XXXX/XXXX/16, there were several messages on my cell that I needed to call by XXXX or I would be sued in XXXX County Monday morning. Then XXXX XXXX called my place of Employment and when he was told she was going to put him in my voicemail, he refused and our Receptionist pushed him through to voicemail. He called back and the call was transferred to my Superviser, XXXX and she told him that we do not permit these type of calls for Employees, he told her that it was a legal matter pertaining to fraud committed by me and he already spoke to our HR Department regarding possible garnishment and she asked who he spoke with and he replied, that everyone should stop being a " gate keeper '' and tell me to call before XXXX or I would be prosecuted in XXXX County. 
I am not disputing that we may owe this debt, I do not know for sure what it is because I have still not been provided anything in writing. I am in the process of a divorce and trying to collect all debt info so that I can utilize a debt repair/assistance agency and am only asking to receive it in writing so arrangements can be made. What I do not deserve is someone calling my place of employment speaking of fraudulent activity and wage garnishments tarnishing my name with my Superiors. I want the calls to my place of employment to cease immediately and for Alliant to provide the debt in writing so that my Attorney and whichever debt assistance agency I use can help me identify and make payments on legitimate debts.
Product: Credit reporting or other personal consumer reports

RE : Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reportingTheCongressmakes the following findings : ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. 
Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAnypersonwho willfully fails to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by theconsumeras a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In generalAnypersonwho is negligent in failing to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( 1 ) any actual damages sustained by theconsumeras a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and this bankruptcy must be deleted from my consumer reportor i will seek monetary damages in small claims court in my city and state. Also i already sent this letter to theConsumer FinanciaXXXX Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, andFederal Trade Commission. 
OFFICE OF THE ATTY GEN XXXX XXXX XXXX XXXX XXXX XXXX  ATTY GENERL AND OFFICE OF THE ATTY GEN THE SAME ACCOUNT AND ITS ON MY CREDIT TWICE
Product: Credit reporting, credit repair services, or other personal consumer reports

Please read all the numbers thank you. I appreciate your patience. I am allowing 24 hours for this investigation to be resolved positively because my rights has been violated with my consent to place unverifiable information directly on my credit report without using steps to verify this account or inquiry by law you are required to use important steps which no credit reporting bureau ever does. It 's the love to profit on a consumer to place an inquiry onto reports of consumers. Now that 's violating and breaking the law. You are considered a criminal by going onto my credit file without my consent to place inquires and accounts on my credit file that I 'm unaware of. Please continue to read and look at the attachment photos of the inquiries, and accounts that I 'm unaware of and have no clue of. It is your job to keep consumers safe, but you guys rather Breach out information to profit any way you guys know how. 


1. Not a credit repair company. 
2. Please do not provide me with any bogus generated codes or bogus verified information. 
3. On going situation. 
4. Please take me through the verifying process that you used to determine that this inquiry is actually mine. 
5. By law if you ca n't verify and inquiry or an account100 % you ca n't place it on any consumers credit file. 
6. You are violating The FCRA law section 609. 
7. I have attached pictures of the inquiries. 
8. If this is n't resolved I will file a law suit at the county court house for violating my rights, violating the law bearing information on a consumers report without their consent that is n't 100 % verifiable, you do n't have original actual documents stating any facts. 
9. I am unaware of the inquiries and I explained that several times to very rude TransUnion Reps who refuse to cooperate with the consumer. 
10. I have suffered from XXXX, lost of job, lack of sleep, XXXX, fear for my life, the Credit Breach has affected me. 
11. As you can clearly see this is n't a computer person nor is it a credit repair company. I am aware that my rights we 're violated and I am making you aware of it. 12. I have contacted the county courthouse, State Attorneys office, BBB, FTC, to complain and place public information of the complaint via online public records on XX/XX/XXXX. The only account that I am aware of is XXXX XX/XX/XXXX that 's the only one for a total of {$1800.00}. The rest I am unaware of them. I sent in information months ago and the accounts we 're removed because their was n't 100 % verifiable and a few months later they we 're place back on my TransUnion credit report which makes it weird because I sent in documents including police reports stating my facts and like I said it was removed for a few months but placed back on my credit report. Violating several laws in FCRA is not what I 'm going to allow you to do. I know my rights and shall stand firmly on the knowledge of laws to protect my rights and my credit report. Please do not attempt to degrade and violate my intelligence.
Product: Debt collection

In XXXX of 2020 I contacted the three main credit bureaus and the individual debt collectors about debts that are on my credit report that I am not familiar with. 

The three credit bureaus responded that these accounts were verified, but could not tell me how they were verified or what information and documentation was provided to them to verify these negative accounts. 

In XXXX of 2020, I contacted each debt collector directly via letters that were sent by USPS and by phone. None have sent any documentation showing that these are my accounts. I have only been provided with an account statement showing a debt. 

Because of all the fraud that has taken place throughout the world I am asking for documentation showing these debts are mine. Not an account statement. If these are indeed mine, they should be able to provide me with this information. 

After contacting my attorney, in order to move forward with a lawsuit - I will be sending another letter via Certified Mail to each company involved. If these accounts aren't removed or original documentation provided we will move forward with our legal process.
Product: Credit reporting or other personal consumer reports

Definitions play a huge part in the law, It's our job to continue to bring cases and educate the judge and jury on the FCRA. 
Notice it says, in particular, the word credit was defined only as a permissible purpose to obtain a consumers report only when the collection is in connection with a credit transaction. Is child support a consumer credit transaction? Is my child attached to some kind of loan or credit Im not aware of? Unless you can provide me, these answers remove these items, or I will be forced to sue in federal court for the max penalty on all charges ... as followed bank fraud 1. Monopolization of trade and commerce 2. Identity theft 3. Embezzlement 4. Extortion 5. Coercion 6. Deprivation of rights under the color of law 7. False pretenses 8. Privacy violations 9. Forced peonage XXXX. XXXX XXXX. Willfully and intentionally violating the constitution 12. Treason 18 U.S. CODE SECTION 1341- Fraud and swindle 18 U.S. CODE SECTION 241- Conspiracy against rights 18 U.S. CODE SECTION 242- Deprivation of rights under color of law 18 U.S. CODE SECTION 1344- Bank Fraud ( fine and / or up to 30years imprisonment ) 15 U.S. CODE SECTION 1122 Liability of United States 15 U.S. CODE SECTION 1- Trusts , etc, in restraint of trade illegal : penalty ( fine and / or up to 10years )
Product: Debt collection

UNIVERSAL PAYMENT CORP Account number XXXX the date open was XX/XX/2017 and the Balance is {$9400.00} the action taken was police report and federal trade commission report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$3800.00} ; US DEPT ED XXXX Balance : {$3200.00} ; US DEPT ED XXXX Balance : {$3800.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$3100.00} ; USDOE/XXXX XXXXXXXX Balance : {$0.00} ; DP OF EDUC XXXX Balance : {$3800.00} ; DP OF EDUC XXXX Balance : {$3800.00} ; DP OF EDUC XXXX Balance : {$3200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This the third time I have filed an affidavit and compliant over fraudulent and in accurate information showing on my credit report. I have never done business or opened up a line of credit with XXXX XXXX # XXXX, XXXX XXXX # XXXX this is a error please delete at once. I have a FCRA 611, 623, 609 DISPUTE for a late payment XXXX XXXX XXXX XXXX # XXXX this is not accurate please delete. I have never been late on my XXXX XXXX XXXX XXXX. PLEASE DELETE THESE ACCOUNT THEY ARE NOT ACCURATE! I am unable to locate documentation that they complied with the of federal and state laws requirement, which is a violation of the FCRA & FDCPA. State FDCPA Laws I fail to see XXXX XXXX XXXX XXXX # XXXX in compliance with sTA OHIO LAW 1319.12 O.R.C. TAKING ASSIGNMENT OF DEBT. I also have report this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report where with XXXX XXXX has not even tried to contact me regarding this Fraudulent collection if they had done so they would have known they had in fact Purchase two fraudulent third party collection accounts. Please have them remove this collection account immediately. I have submitted an FTC AFFIDAVIT for the addresses and unknown accounts on my credit file please see the attached document and FCRA 605B ( 15 U.S.C. 1681c-2 ). I HAVE ATTACHED MY POLICE REPORT AND FTC RPORT AND ID
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient keeps adding disputes on my credit report.I contacted navient about the problem in XXXX on a conference call.They stated that they removed the 90 days last disputes on XXXX XXXX 2017.These disputes are fraudulent by navient because I was in deferment and forbearance during these times.Navient was not supposed to mark my credit and add 90 days late and disputes during this time.The agent told us that they removed the disputes and was sending me information about the disputes being removed.Instead navient sent me papers about deferring and forbearance of my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM BEING REPORTED 60 DAYS LATE IN XX/XX/XXXX ON A CAR LOAN THAT WAS PAID OFF AND CLOSED IN XXXX, XXXX. THIS ACCOUNT WAS NOT LATE AND HOW CAN IT BE REPORTED LATE WHEN IT WAS PAID OFF OVER 6 1/2 YEARS AGO? XXXX XXXX XXXX WAS THE LENDER, UNDER INSTALLMENT LOANS THAT ARE CLOSED, MAY I ADD AGAIN OVER 6 1/2 YEARS AGO. PLEASE SEE ATTACHED DOCUMENTATION.
Product: Credit card or prepaid card

Applied online fo r Target    credit card on their website on  XXXX  and received the card in mail on  XXXX . Went to their website on  XXXX  and saw they were running a promotion that offered people who applied for credit card online that they would also get a 10 % discount off their next purchase. I called Target to request this offer since I did n't get card until after promotion started and should be eligible for this discount. I talked with a representative and a supervisor and both said that the offer started on  XXXX  and that since I applied before offer I would not be eligible for the additional discount.     This form of promotional advertising is deceptive and treats consumers unfairly by limiting offers to particular time periods.
Product: Debt collection

I sent payment through my bank online. Informed XXXX from Hunt and Henriques that payment was sent and that it might take 5 days for them to receive. She calls me and leaves me a message that payment has not been received. I checked my online banking and it says payment is " paid ''. I also printed out a proof of payment. Called and spoke with XXXX again to let her know that my checking account is reflecting the payment has been paid and asked her to double check. She says she does n't see payment has been paid and does't double check. I ask her again to check, She insist she does n't see it and to call back later to check again.
Product: Credit card or prepaid card

On XX/XX/XXXX I contacted the account protection department of comenity capital XXXX Master Card because I was notified that my account was closed. The account was paid off XX/XX/XXXX and when I asked the customer service rep why it was closed she had no idea and said possible fraud but she didnt understand why it was closed then she proceeded to say I could speak to a manager and look into reopening once she did she said it could not be reopened it I would have to reapply. Several of my friends have accounts or I should say had accounts with this bank and they would open the account and close it there are multiple complaints about them closing the accounts after opening them for a short period of time. Something needs to be rectified here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Navient on XXXX of 2019 and advised that the courts had included my Student Loan Debt in my Bankruptcy but they refuse to remove the loans. I've given them the information from the courts and Transunion has closed out the accounts but they are still reporting balances in my XXXX.