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

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Zion Debt Holdings was listed on my credit report as a collection amount due of {$1300.00}. I spoke with XXXX XXXX at XXXX and he stated my name was listed on a contract with XXXX XXXX system for XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX and XXXX XXXX ( XXXX ) was listed on this contract which was delinquent in payments in XXXX. I have reported them to XXXX XXXX XXXX XXXX XXXX because I have never received any information regarding this situation, he stated they had been sending letters to the XXXX, XXXX address. Also I spoke with XXXX to file a dispute because I wanted this taken off my credit report. I do not know this person, have not signed any such contract, was unaware this collection issue which was on my credit report and I am making a claim of fraud along with stolen identity. 

Your assistance in this matter is greatly appreciated.
Product: Prepaid card

I received a AMEX gift cards from my employer. I find I can't use this card anywhere. 

These virtual cards are declined online and in brick and mortar stores, at restaurants and grocery stores, or XXXX wallet - no one will take these cards. 

I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). They can not transfer my balances for my XXXX unusable virtual cards to a physical card. They can not offer me a refund. 

They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. 

This system seems designed to skim a few dollars from American consumers. They hold our legal tender hostage and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. 

This is simply not the case. I can not reach a resolution with AMEX customer service nor can the original purchaser. 

I have been unable to use their card. My money is inaccessible. All I want is the total balance on my card in cash/check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to CFPB being I'm a service member serving in the XXXX XXXX XXXX by which I have a complaint and would like for this item to be removed being I have followed and sent the required doument of ( SCRA ) Service Members Civil Relief Act a while back and they are reporting incorrect information and information that is not mines. From the several complaints written here on the consumer financial protection bureau from similiar service members and veterans I am requesting that the following inaccurate items be immediately investigated. Please delete this misleading information in order to show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record. 

These are the companies that are all 3 of my credit reports that are inaccurate and not mine : XXXX XXXX / XXXX / XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, 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 UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX and XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I AM A VICTIM XXXX XXXX XXXX AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. 

CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH

15 USC 1681 C-2 AND 15 USC 1681 C-3. EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS
DAYS.

AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/year>
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Mortgage

I am utterly furious with Wells Fargo, and the way they have miss managed my account. I currently have a sale date for XXXX XXXX, XXXX, and they wont post pone it! My case is still under review for a Clarity Commitment which was granted in XXXX. The problem is during that time I was in the middle of review and every time I called to get updates ; representatives never mentioned it. It was a few months ago when I found the letter of acceptance in my files and demanded Wells Fargo to acknowledge it. This is the reason Wells Fargo has been sued previously and the reason why I am extremely upset. This is under investigation and they continue to prolonged the process. The escalation department is the XXXX reviewing my file and stating they do n't have access to post pone the sale date. I 've been advised to re-apply, but the re entry team wont accept the complete application that was received last week. They are declaring since I have fallen behind by almost three years Wells Fargo has a right not to review my file! I 've spoken to my lender and they 've have no restrictions. I do n't understand the reason Wells Fargo continues to put XXXX XXXX blocks and fail to take into consideration my home was part of the lawsuit claim back in XXXX. I 've written a letter explaining this frustrating situation.
Product: Debt collection

Received a letter from a Law firm : Pressler, Felt & Warshaw representing XXXX XXXX XXXX. stating a lien was being placed on my home. I sent a letter to the law firm requesting proof that the debt was indeed mine all that was sent was a court judgement that was filed in court. Nothing proving the debt was indeed mine. Upon doing this research I see that this debt recovery initiated back in XXXX which there was never any communication in regards to said debt. Provide the necessary information proving that this is indeed my debt. Meanwhile a Lien has been placed on my property not sure how any of this was done without my knowledge of anything.
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 XXXX XXXX, 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 XXXX out of XXXX 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. Please see the attached file for what I am complaining about and take immediate actions. 


XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

THIS IS XXXX XXXX AND I AM DISPUTING THE ALLEGED ACCOUNT WITH DIVISION XXXX XXXX XXXX AND MIDLAND CREDIT MANAGEMENT AND XXXX XXXX XXXX. I AM REQUESTING VERIFICATION UNDER OATH OF THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR FOR THIS ALLEGED DEBT. I AM INVOKING MY SPECIFIED REMEDY AS THE ORIGINAL CREDITOR AND DEMAND FOR MIDLAND CREDIT MANAGEMENT AND XXXX XXXX XXXX  TO CEASE AND DESIST ALL COMMUNICATION WITH ALL THIRD PARTIES ; XXXX, XXXX AND XXXX IMMEDIATELY.
Product: Bank account or service

I just filed a complaint # XXXX on the wrong website for with the CFPB. IT was on Saturday XXXX/XXXX/16 and the chat was closed but I was angry about what Chase Bank was doing with my deposit. I deposited a {$50000.00} check from XXXX Hospitals Self Insurance on XXXX/XXXX/16. It was payment for money I had put out due to one of their doctors. When I deposited the check, my bank in XXXX, WV said the check would be put on hold for verification and would be available to me on XXXX/XXXX/16. The my accounts section on Chase.com said the check was on hold until XXXX/XXXX/16. Then I got an e-mail from XXXX XXXX, Senior Vice President at Chase Bank stating the money, MY MONEY, would not be available until XXXX/XXXX/16 and I could call XXXX option 1 which I did and spoke with XXXX. HE said there was nothing he could do because XXXX XXXX, where the check was issued, does not verify. My complaint is that Chase Bank is holding MY MONEY 5 days past the time stated on my deposit receipt. I am having XXXX on XXXX/XXXX/16 and may have a few things coming into the bank before XXXX/XXXX/16 and will now have to pay some things later than expected due to this Senior Vice President deciding to hold MY money for an additional 5 days. This is very disconcerting to me that they have the power to do this to a long time customer.
Product: Debt collection

So I already filed XXXX other complaints against XXXX XXXX  ( I do not work out at all ) Never did. Apparently these accounts were all opened in different years. This specific complaint account number is XXXX. Amount is for XXXX. They keep harassing me about this. Again, I did NOT open these accounts. My information was leaked on the dark web as I use a software that allows me to see and tell me that it was. Please kindly help me remove these balances.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block, inc. ) 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. Furthermore 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 me significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Checking or savings account

On XX/XX/2018 three fraudulent transfers were made from my Bank of America accounts two from the checking account and one from the savings account through a service did not know about or ever used. Contacted the fraud department claim XXXX and made the police report Case XXXX. After days of running back and forth trying to do what they requested they denied the claim as they said the transfer was made from my device. I am not sure how it happened, but I told them I did not do or authorize the transfers. For decades been a customer but it did not matter, I have no way to prove it but those transfers were fraudulent. The burden of proof is on the victim not who committed the crime. The victims specially the elderly are being victimized losings all their funds. BOA is not only not protecting the consumer but also by putting the burden of proof on the victim.
Product: Consumer Loan

I was over charged for a vehicle that I had purchased from Herbies Auto Sales located in XXXX XXXX XXXX XXXX, XXXX, CO XXXX on XXXX/XXXX/2012 and it was reposed because I found out they over charged me for a vehicle that had a salvage title. I refused to pay them and I told them to come and pick up the car witch they did they then sent it to collections and I have had trouble purchasing a vehicle since. Please help me I have written letter after letter to the XXXX and they refuse to take this off my credit report. Please help me to dispute this thank you.
Product: Debt collection

Pro collect is the collection company and for the last five years I have been disputing and resending over proofs that this is not my apartment. Today I spoke with a few managers one female name XXXX and one make I forgot his name and they both were extremely unprofessional. They told me they dont care about what I say I owe for this debt and I will pay it and that I am a liar even though I provided them proof. They screamed and hollered at me as if I was one of their children and yes I did return the total disrespect after calmly trying to resolve the issue. The line is recorded so you all can request the call from Wednesday XX/XX/2021 starting at XXXX XXXX  and the last call and rude encounters being at XXXX XXXX eastern time for proof of them admitting I do not owe the balance they are providing on my credit report and they they are initially depriving my children and I of a decent place to stay. The amount Im fraudulently being accused of {$5500.00}.
Product: Credit card or prepaid card

A company by the name of Cavalry purchased an account from XXXX XXXX. They sent a past billing statement they stated came from XXXX, but the amount listed as owed was much more then I had ever purchased as I didnt even have a car at that time. The amount listed as owed is listed on the statement as {$410.00}, but they didnt even have any individual purchases listed so that I could see what they were trying to bill me for. 

I was sent a card by XXXX over 4 years ago in 2016 and closed this account with XXXX a few months later in the same year. I closed it because I didnt have a car and not much use for it and because of a dispute with XXXX over billing as I had only used the card at one XXXX store buying chips and a soda a couple of times and putting gas in a friends car about 2 times, so the amount owed from my calculations should have been around {$100.00}. 

I am asking for your assistance regarding this matter as I feel as if I am trying to be taken advantage of. I do not know if it is being done on purpose or the result of Cavalry not looking into the details of this statement but it is clear the amount on the statement is 3 times as much as I charged on this account and 3 times as much as XXXX told me what was owed when I asked them to close this account over 4 years ago in 2016. 

This is especially disturbing to see because of the obvious discrepancies in what was actually charged and what they are stating is owed and the lack of a list of itemized transactions in the billing statement. but it is especially and even more so disturbing because this country is in the midst of a pandemic with deaths totaling over XXXX and the economy and jobs not being this bad since the Great Depression and people suffering from not having jobs and putting food on the table and this company is asking for me to send them 3 times as much as what was charged on this account.
Product: Debt collection

I applied for a loan with prosper last year for the amount of XXXX to do home remodeling. 

After making all of my payments on time, I decided to change my payment due date because of the XXXX and XXXX XXXX  unexpected expenses. 

They agreed to change the date from XX/XX/XXXX to the XX/XX/XXXX the following month. 

They errouniously took the payment out on the XX/XX/XXXX any way after we agreed to change the date to the XX/XX/XXXX. 

The payment caused me to have to pay over draft fees that they refused to reimburse to me. 

I eventually made my payment the next month and they would not waive the fees and they did no honor the skip a payment that we all agreed upon. I do have emails showing proof. 

Therefore they sent my account to a collection agency when it was not ever 30 days past due. 

By any rate I have still made my payments to prosper because I'm not late nor did I sign a contract with any other company. 

As a way of getting back at me and causing me to have bad credit they did not debit the money from my account when I paid my bills on the XX/XX/XXXX and XX/XX/XXXX. on time. For the XXXX debit they took the money out 3 weeks later after I called them to find out what was going on. 

When I checked my credit report they are reporting me as 30 days past due erroneously. 

I tried several times calling and emailing them and they have not returned my call. 

Please assist me in this matter because I feel that they are deceptive loan sharks.
Product: Credit reporting or other personal consumer reports

I have provided XXXX with the information that Sumitt Collections is reporting a false debt on my account. I provided the evidence to them. 

XXXX XXXX who was recently fined and under federal investigation claims I owe them money. 

My bank investigated the matter and I won the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

PENFED CREDIT UNION POSTED AN OPEN LINE OF CREDIT ON MY CREDIT REPORT XXXX XXXX AND NEGLECTED TO SEND ANY INFORMATION TO ME ON CREDIT APPROVAL AND I HAVE NOT BEEN ISSUED A CREDIT CARD SINCE I DISCOVERED THIS ACCOUNT ON XXXX XXXX WHILE REVIEWING MY BANK STATMENT ONLINE.
Product: Credit reporting or other personal consumer reports

I am not able to upload the XXXX report for inquiries that are not mine. Identity theft is the cause of the inquiries reporting on Transunion credit reporting.Please remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX  XXXX XXXX  CARD. The dates were XXXX, XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving in to a new apt . I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreements accommodations.
Product: Debt collection

I settled the debt with the company 7 days prior to having to appear in court. I was assured that a judgement would not be entered against me for the debt. On XX/XX/2019, I received a court notice that a judgement had been entered against me for this debt. When I called the company after almost an hour I was told that a letter was faxed on XX/XX/2019, to XXXX indicating that the account was settled in full. After speaking to the court I was told that this is not their fax number and they never received such a letter. I had to obtain the correct number and provide it to the collection agency which should not be my responsibility. In addition, they said that they would have the letter faxed as soon as possible, without any urgency to fix the problem that they created, as of now the judgement has not been withdrawn.
Product: Credit card

My account was hacked and the account was closed. I had this account for years. I had a lot of transactions I needed records of of me sending my son mother payments. Cash app let me get hacked for thousands of dollars when I tried to call customer service all I could speak to was a cash bot was not able to get a hold of no one from customer service on the phone. This account was closed during covid time I would like to say 2020.