23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I attempted to make a rent payment to my landlord using zelle via XXXX XXXX. The transaction confirmation email showed my landlords name and they did not receive the money due to two digits in the phone number being reversed. I called the bank within the hour to report the issue. The bank investigated and refused to return the money that was given to an incorrect person despite the name on the confirmation being different from the name of the person receiving the money. The bank told me to contact zelle. Zelle proceeded to tell me to contact my bank and the person that received the money both accepted the money as well as refuses any attempts at contact. The amount in dispute is {$1800.00} usd of rent money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint : ( XXXX/XXXX  ) has violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

I have NOT given permission for ( XXXX/XXXX ) to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section b . 

TransUnion must remove all information reporting from and relating to ( XXXX/XXXX ) including third party debt collection accounts associated with ( XXXX/XXXX  ) because the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b. 
XXXX/XXXX TransUnion Account # : XXXX Account Type : Revolving Account Type - Detail : Charge account Bureau Code : Individual Account Status : Transferred Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : 0 High Credit : {$4000.00} Credit Limit : {$5500.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : Account closed due to transfer Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX
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 of {$16000.00}, {$4100.00}. 
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 Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4100.00} -This is not my account.
Product: Prepaid card

Card does not work in store or online, requested new card and upon receiving it, doesn't work either.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC XXXX section XXXX states, I have the right to privacy. 15 USC XXXX section XXXXA section XXXX, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCXXXX XXXXB, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Payday loan, title loan, personal loan, or advance loan

This was a fraudulent taken out in my name. Please remove this from my credit due to identity theft.
Product: Debt collection

I had a credit card with XXXX XXXX XXXX XXXXXXXX XXXX and I had got behind and paid the charge-off through LTD financial services because XXXX XXXX XXXX XXXX XXXX had sold the credit Credit item to LTD and I paid the item with LTD over the telephone back in XXXX  LTD agreed to have the account removed off of my credit report
Product: Money transfer, virtual currency, or money service

I already filed a complaint with the CFPB, which was responded to by XXXX. The complaint number is XXXX. 

The company did not apply the law properly. 
I request to be provided with the IRS statute and exact Code of Federal Regulation title and section that states that where a mistaken transaction has occurred that XXXX may not cancel or reverse a transaction and must report it to the IRS. 

Recommend this be sent to legal dept as the law is not being applied properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit Bureau has failed to remove items off my credit report that I have proved did not belong to me or have and incorrect information attached to said accounts
Product: Debt collection

Three things. 

First, alleged debt was never properly validated by affidavit in accord with XXXX  XXXX. A formal request to provide this was sent via Certified Mail XXXX XXXX XXXX XXXX XXXX and delivered on XX/XX/2020. 

I am demanding Chrysler / Santander disclose all documents upon which they are relying in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. Section 1681g, which state the consumer is entitled to said records. 

Secondly, the repossession was called off according to XX/XX/2020, correspondence from Chrysler yet was immediately put back on the books on XX/XX/2020, without validating purported debt. When I asked manager # XXXX on the phone today for the contact information of the repossession company, she refused to provide it. 

Thirdly, I have no clue which entity is truly attempting to collect the alleged debt. Demands are from Chrysler Capital and a year end tax statement provided from Chrysler Capital shows their Federal Tax EIN to be XXXX. Yet when one searches the data base for that EIN, it does not exist. In contrast, certified title records from the Florida DMV show a Federal Tax EIN of XXXX-XXXX, which belongs to Santander Bank. This seems very suspicious and fraudulent. Which entity is truly trying to collect on this alleged debt? 

As an aside, the beneficiary has now stepped forward and claimed all accounts with the IRS and nothing is construed as abandoned.
Product: Debt collection

OK ... .SOMEBODY USED MY MIDDLE NAME AND FORMER MARRIED NAME TO OPEN A XXXX ACCOUNT AT AN ADDRESS I NEVER RESIDED AT. I DO NOT KNOW WHO DID THIS ... HOWEVER, THIS NEEDS TO BE REMOVED FROM ALL OF MY CREDIT BUREAUS ... .I SPOKE WITH THE DEBT COLLECTORS YESTERDAY AND THEY CLAIMED THAT THE DEBT WAS CLOSED AS OF XXXX XXXX, 2016 ... ..HOWEVER, IT IS SHOWING UP ON MY XXXX REPORT! XXXX!!! I DO NOT BELIEVE THEM, EVEN THOUGH THEY DOUBLE CHECKED!
Product: Payday loan, title loan, or personal loan

XXXX is trying to verify my bank account. And PNC wont allow them to do that
Product: Debt collection

phoeniix financial services has falsely been trying to collect this in 2019 it was determined this is a false demand again reference number XXXX action taken closed XX/XX/2019 your company 's number also XXXX, this has been paid and this debt is not owed, paid by insurance company, this is a false attempt again by this company, furher more XXXX has falsely stated this is true, it is not true, this company phoenix has stated they owned the debt from another attorney the last time mis representation again, this should be illegal. 
PLEASE ASK THEM WHAT METHOD THEY USED AND PROOF THEY USED. WHEN WAS THE ACCOUNT IN QUESTION OPENED AND WHEN WAS IT CLOSED. AS WHAT INSURANCE I HAD THAT PAID THIS ACCOUNT WHAT ARE THE TERMS SHOW PROOF OF ORIGINAL COMPANY BILL, NOT A MADE UP ONE BY THIS COMPANY please investigate fully
Product: Debt collection

I settled with LVNV funding on an account originally from XXXX XXXX XXXX. Attached is settlement agreement. I would like to ask LVNV to remove this as a collection account from all three credit agencies.
Product: Debt collection

Ad Astra Recovery is reporting an amount of {$1200.00} on all three CB 's since XXXX 2014. I do not and have never had a contract with this collection agency, neither written or verbal. I have called and written them a number of times with no validated response. I was told they collect on behalf of XXXX. In 2014 I was XXXX XXXX and I have never had a loan with XXXX either. We were forbidden to do so. I informed them of that as well and stressed to them the strain that this account is putting on my credit and my life.
Product: Student loan

Navient Constantly miss places my documents and in the mean time they wo n't help me to lower my payment and will not help with anything. The only thing they said they can help is to put it on hold but in the mean time my interest rate just adds up making my loan almost impossible to pay off.
Product: Credit reporting, credit repair services, or other personal consumer reports

print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXXDispute XXXX XXXX XXXXXXXX  XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXXDispute
Product: Credit reporting, credit repair services, 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion and XXXX numerous times to tell them to please remove my XXXX student loan from my account. This student loan was co-signed with my father. He has filed for Bankruptcy and this loan was discharged during bankruptcy for him and myself. It should no longer be on my credit report. XXXX no longer has any information about this account because it was discharged during my father 's bankruptcy, which is no fault of my own. As such, the account should be removed from my credit report and should not be put as discharged on my credit report because it was discharged because of my father 's bankruptcy.
Product: Credit reporting or other personal consumer reports

update my information XXXX XXXX XXXX case XXXX account number ending XXXX and XXXX XXXX XXXXXXXX XXXX number ; XXXXXXXX XXXX amount XXXX deed of trust transfer to XXXX XXXX XXXX I also contacted records and they didn't help
Product: Debt collection

AD ASTRA RECOVERY SERVICE ( 12 SPEED CASH 16 ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$300.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax were negligent in their data security protocols and have subsequently opened myself and 143 million others up to identity fraud and theft, costing those affected as well as the American government untold millions possibly billions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX : XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX XXXX : {$1400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} Equifax XXXX XXXX Balance XXXX {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX, XXXX, and Experian delete and block information appearing on my consumer credit report that is the result of identity theft and fraud within at least 4 days of you receiving this complaint. The fraudulent, inaccurate, and false information of a personal credit card account, personal loan, and an auto loan opened. Due identity theft and the data breaches from XXXX which also caused my information to be exposed. Also Experain with the complaints filed on Experian failing to properly report. 

The following are accounts that are fraudulent XXXX XXXX XXXX account number XXXX opened on XX/XX/XXXX. 

XXXX opened on XX/XX/XXXX under the account number XXXX. 

XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX. 

XXXX XXXX XXXX  account # XXXX opened on XX/XX/XXXX. 

XXXX XXXX  account # XXXX opened on XX/XX/XXXX. 

XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX. 

These fraudulent accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and charge offs are the result of identity theft and fraud.
Product: Debt collection

I've submitted multiple times requesting debt validation from both XXXX XXXX XXXX XXXX  as well as Experian. Experian continues to respond as debt being verified despite multiple request and demands of debt validation. I've since received a investigation results mailer from Experian advising that I need to contact credit grantor to obtain proof of documents being requested. This is unethical as per the FCRA reporting company must provide proof and validation if requested. 

XXXX XXXX XXXX XXXX  has sent over an Itemized statement that still does not verify or validate this alleged debt, it simply violates the HIPPA law as I've never signed a HIPPA release form at any of my medical facilities visited
Product: Money transfer, virtual currency, or money service

I tried to donate money to the XXXX campaigns of my friends in XXXX, XXXX. Because XXXX nor XXXX does not support Palestinians to create their own accounts and fundraising campaigns, they have to ask strangers living in the XXXX XXXX countries or one with citizenship in one such to set up fund transfers and fundraisers. 

I have tried several times to send money using my XXXX account to my friend XXXX campaign, XXXX puts security blocks each time with an alert message stating " Your donation wasnt successful. Please check your payment details or contact your bank. '' or of this nature. However, my bank as not applied any restriction, which is evident as I have not received an email/text/message through my online banking platform since the first incident of unsuccessful transaction. 

Furthermore, I have had my partner with a joint bank account with a XXXX account completed transaction to the same exact XXXX campaign of my friend in XXXX XXXX without an issue. 

I have attached screenshots of XXXX 's help center responses below as well as the alert that appear with unsuccessful transaction that appeared on the said XXXX campaign page. 

Thank you,
Product: Credit card or prepaid card

XX/XX/XXXX or XX/XX/XXXX I had an emergency and needed a cash advance. Wrong PIN number or what have you. I called Capital One and got a customer service rep I could not understand to begin with. Was in a rush and we didnt agree on the small. XX/XX/XXXX I get a letter in the mail BOTH my accounts ending in XXXX and XXXX were closed without reason I ve made payments on time and much more then minimum on my mail statements. Neither card shows up in my overall XXXX  XXXX  accounts might I add other then closed. Today m going through my junk email I see I missed a payment for account ending in XXXX. So I walked and immediately paid it off, XXXX balance. I ask about my other account and all of a sudden phone communications go down. Static, they cant locate my XXXX account. I immediately tell them that yall have nothing on me, both my accounts have been closed so attempting to threaten me again isnt an option. Im trying to pay this off here and now. Im redirected. Female cant locate my XXXX account but see I just literally paid off my XXXX account. Long story short I cant get a pay off amount and she starts going in and out of service. I have XXXX, XXXX, XXXX to name a few and never had an issues like this the past year or EVER!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing a new complaint against Concord Servicing , LLC due to their failure to resolve my original complaint regarding the transfer of my account from Equiant. Despite their acknowledgment that Concord Servicing acquired Equiant, they failed to provide me with proper legal notification of the account transfer, as required by law, and prematurely closed the previous complaint without providing a valid resolution. 

Background : In my original complaint, I raised the following issues : 1. Failure to Notify of Account Transfer : Concord Servicing , LLC failed to provide the required notice when they acquired my account from Equiant, as per 15 USC 1641 ( g ) of the Truth in Lending Act ( TILA ). They were legally obligated to notify me within 30 days of the sale or transfer of my loan. I never received such notification. 
2. Failure to Notify of Servicing Transfer : If the servicing rights of the loan were transferred, RESPA requires that both the old and new servicer notify me of this transfer in writing. This notification never occurred. 
3. Inaccurate Credit Reporting : As a result of the failure to notify me, my credit report now shows inaccurate information, including the name Concord Servicing , LLC, a company I had no prior knowledge of, and this has caused significant harm to my credit score. 

Premature Case Closure : Concord Servicing, LLC responded to the CFPB and closed my initial complaint, claiming that no payments were affected and that the account remained the same. However, this does not address their failure to comply with the notification requirements under the law, nor does it rectify the damage caused to my credit report by their inaccurate reporting. Simply stating that the account history has remained unaffected does not absolve them of their legal obligation to notify me of the acquisition. 

Legal Violations : 1. 15 USC 1641 ( g ) ( TILA ) requires that borrowers be notified of any transfer, sale, or assignment of their loan within 30 days. I never received such notification. 
2. RESPA requires that both the old and new servicer notify borrowers in writing of any servicing transfer. I did not receive any written notification about Concord Servicing taking over the account. 
3. 15 USC 1681e ( b ) ( FCRA ) requires that information reported to credit bureaus must be accurate. Concords failure to notify me of the change has resulted in inaccurate information being reported, which has harmed my credit score.
Product: Debt collection

This account was open XX/XX/2015 and reported as an unpaid medical {$130.00} I have no contact information I would like to know what services I had to accrue this amount of {$130.00}
Product: Debt collection

XXXX XXXX XXXX is taking me to small claims court, declaring they are acting on behalf of Crown Asset Management to collect on a debt sold to them by XXXX XXXX in XX/XX/XXXX. This was XXXX account by XXXX XXXX. On XX/XX/XXXX, I was served with papers to appear in Small Claims Court for this debt. They falsely stated on the filing, THAT I WAS NOT DISABLED, which is not correct, as I have been on disability since XX/XX/XXXX. If they were truly representing Crown Asset Management, they would know this because I talked to them in XX/XX/XXXX when I cashed out my Pension and gave all my creditors something. You will see a reference to this account in prior CFPB Case XXXX, where I had paid XXXX XXXX {$750.00} on acct sold to Crown, but they did not want to credit my money. That was my entire pension. I only get XXXX   and I have a ten year old car with a check engine light on it. I am supposed to go to a hearing in court on XX/XX/XXXX in small claims court. I guess my only recourse is to try to file for an Exemption for my XXXX and Car. This is extremely frightening to me as I gave my creditors my entire pension in XX/XX/XXXX and have nothing left. Why do they have to harass me further?
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRIES HAVE NOT BEEN AUTHORIZED. WHEN I CONTACTED THE COMPANIES THEY TOLD ME THAT I HAVE TO TAKE IT UP WITH THE CREDIT BUREAU. THERE WAS NOTHING THEY COULD DO. 

1.XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX All Banks XXXX XXXX XXXX XXXX PO # XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX O-NLY 2. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Miscellaneous Reptg. Agencies None provided