23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan

I took out a loan from Ace cash express around XXXX of XXXX. I received a phone call around XXXX of XXXX stating that they will take legal action if I did n't pay so I set up a payment arrangement asap for XXXX . On that Friday that I set the payment arrangement to come out I received another phone call from another collection agencies stating that I was paying the wrong people and got called a liar and stupid and they hung up in my face. I called ace cash to see who had my case which they told me that the collection agency that called me a liar was the right agency to pay. so I was freaking out because I gave my account information to the wrong people I called them back to cancel the payment arrangement but they insisted that I was paying the right people. they had all my information where I lived my job and my social security number so at this point I did n't pay anyone and I do n't know what to do because im XXXX and scared. they told me that they will get everything straighten out and give me a call but I never received one
Product: Credit reporting or other personal consumer reports

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 card

I accidently sent a {$1000.00}. payment to Chase - XXXX that was suppose to go to XXXX. At that time there was a XXXX balance on my acct. I called and spoke to someone on XX/XX/XXXX and they gave me grief about getting back the payment and said it would take XXXX days. I called on XX/XX/XXXX to check status if it being sent out and was told they sent out only {$930.00} of the {$1000.00}. over payment since there were XXXX small charges to the account on XX/XX/XXXX. My statement does not come out till the XXXX of each month, so I had n't even received my statement for Chase for the coming month. They have refused to send me my full balance of the {$1000.00}. that was accidently sent to them.
Product: Credit reporting

I was notified of a collection against my account with XXXX. This account has been closed for XXXX months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Toyota financiaXXXX account XXXX had reported in my credit bureau that I was passed due 30 days for the month of XXXX when I have never been late I have always even pay more. Please help, my credit has gone down almost 50 points for their error I have so hard to maintain my credit in high score and now this happen. First they incorrectly reported my balance I had dispute that with XXXX  and than they reported me delinquent for XX/XX/2021. I have reached out to them and they are being difficult to fix error they did. Please I need that completely erase from my credit report
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account Revmd I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Product: Credit reporting or other personal consumer reports

Equifax XX/XX/year> did not review my disputed accounts
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of their recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. they informed me that recovering lost funds was impossible and that tracking this transaction was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. this lack of unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

Discover card someone opened a secured card in my name I never authorized it and they won't remove it
Product: Money transfer, virtual currency, or money service

I opended a XXXX account on or around XXXX XXXX XXXX It was opened with my Drivers License and a mobile phone selfie. On or about XXXX XXXX XXXX  I went to withdrawl my money to my bank account via transfer. I submitted my Drivers License and a selfie again and recieved on my mobile device " Account Restricted ''. They did call me once around XX/XX/XXXX and were agressive when I made the arguement that I have been verified and questioned why they would treat a customer in this manner. The amount locked is $ XXXX. There is no real person to call or contact. They say on the app I am in Que for a phone call. At what time and when? I have been Queded for 5 days. If I miss the call, then what? 

On there app they are asking for a bank statement and I submitted that. How long can they hide behind the security excuse and not return funds. Why are the allowed to operate outside of any banking norms? 

Please intervene on my behalf. They can look at my account via phone number which I have be submitted to you. 

XXXX ( XXXX XXXX ) you should not be doing business in California.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this dispute because Experian credit bureau has violated FCRA laws 611 ( a ) ( 6 ) and ( 7 ). This organization has received my letters requesting that they validate debts that are in question on my credit report. They responded and stated that those debts are accurate information. I disagree completely. I have also exercised my right to request their methods of verification just as the law states and they have continued to violate the law by not providing their methods of verification information within the allowed time frame. 

" As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher ; '' Copies of correspondence and certified mail time stamps are attached to this complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XX/XX/year> Subject : Dispute of Civil Liability for Negligence ( Reference : 1681 0 ) I am writing to formally dispute the claim of civil liability for negligence referenced as 1681 0. After careful consideration of the circumstances surrounding this matter, I believe that the claim is unfounded and merits further review. 

Ive disputed XXXX XXXX several times due to lack of clarification of the company and accuracy of the amount owed. I have not gotten any resolve. 

I would like to point out the following points that highlight my position : XXXX. I have no verified debt with XXXX XXXX XXXX. The amount owed is not accurate Given these circumstances, I respectfully request that you reconsider the claim of negligence. I am willing to discuss this matter further and provide any additional documentation needed to support my position. 

Please respond to this letter as soon as possible, so we can work towards a resolution. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your understanding. 

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

Filed multiple disputes and requests to HMC Group for HIPAA authorization forms signed by me in wet ink. Neither the credit reporting agency nor the debt collection company has responded with requested documents per FCRA and FDCPA laws and regulations. This company was also SOS Group with I also sent multiple certified letters to requesting this same information and also recieved NO documents. A cfpb complaint was filed ( XXXX XXXX XXXX XXXX  which SOS Group ignored and this complaint was sent to the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct.

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX XXXX : XXXX XXXX ( Original CreditoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$620.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : {$620.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$400.00} XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$200.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX LL XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$200.00} Inquiries : XXXX XXXX XXXXL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

We have been with Ditech for a couple of years. In XX/XX/XXXX, we submitted papers to loss mitigation to lower our payment. We then found out certain documents were missing. We then resubmitted in XX/XX/XXXX. Every time we would speak with a different representative, then get different information. We would submit a document they needed then not hear from them, then I would call to make sure everything was fine then they would need something else. It is now XXXX XXXX, 2016 and I can not get a representative on the phone. We have called for two weeks and when I say representative it switches to that extension then says I have read an invalid number. So I have sent three emails to ditech explaining I cant get a person on the phone so that I can ensure my paper work is fine. Their response is to call the same XXXX number. Which I in turn do and still the same recording occurs. I have also called the department of ditech that is taking loans so that I could speak with a live person- after speaking with them they switch me to correct department and the same thing happens ... .you have reached an invalid extension. No one from the company calls my house, cell phone or work. I can not reach a person to speak with about my account. It is the most bizarre experience I have ever had. Plaese help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now XXXXXXXX XXXX XXXX  cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX and I have an auto insurance policy ( XXXX ) with USAA. 
On XX/XX/XXXXXXXX  I filed a vandalism claim ( XXXX ) and XXXX XXXX XXXX XXXX supplied the photos regarding damage and entire car paint job, and by XXXXXXXX XXXX a check was issued, but never received after ( 2 ) weeks had past. 
On XXXX another check issued via XXXXXXXX, but never received nor a slip from XXXX, in which the owner from XXXX XXXX has been waiting over ( XXXX ) more weeks, in which the adjuster, XXXX did nothing to track the XXXX  check. 
On XX/XX/XXXX another check was issued and on XX/XX/XXXXXXXX  I received email stating check cancelled due to one of three choices 1 ) check issues in error 2 ) contained an error 3 ) request to be issued payment to another payee. 
On XX/XX/XXXXXXXX XXXX XXXX issued another check to me via XXXX. This has been going on for over ( 1 ) month. These so called issued checks that never reaches it's destination is getting old. 
On XX/XX/XXXX I contacted USAA and I was told the XXXX package was delivered on XX/XX/XXXX at XXXX and signed by a XXXX XXXX 
Security at this location XXXX XXXX XXXX XXXX, New York XXXX stated that there is no security by the name of XXXX working here. 
The repair shop is not happy, I lost ( 1 ) month payment for car parking without a car to park, and created inconveniences and bad relationship with the repair shop. 
USAA should be held accountable for their ghost checks that has never been received to date. ( Amt. {$10000.00} ) I read that USAA had settled to pay 15 mil to US CFPB for unfair business practices, etc. 
ACTION REQUESTED : To have USSA pay the amount due for repairs and paint job to me or XXXX XXXX. 
I paid USAA ( 6 ) months payment on XX/XX/XXXX, thereafter automatic monthly payments. My payments are spot on.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 creditor ( I C Systems ) added a derogatory remark to my XXXX  profile per XXXX XXXX. Upon further research, this account was a transfer/sold and i am no longer responsible for this account. Debtors creditor did not verify this collection. Also there was NO written form of communication, contract, or written signature for the accused at all. A bill without signature does not validate a debt and anyone can send me a bill saying it mine. According to the FCRA ( I C Systems ) has validated my rights as a consumer and I am request legal actions to remove this account IMMEDIATLY!
Product: Checking or savings account

I have been a customer of Wells Fargo for 12 years and in the past I've never been assessed overdraft fees for pending items that has not posted to my account. On 3 occasions, XX/XX/29, XXXX & XXXX, I was assessed overdraft fees on items that posted to my account even though AFTER each item was paid, i had a positive daily ending balance. However, there were still items that was authorized/pending on my account which was affecting my available balance. 

In the past, I was always able to make a deposit before the cut-off to cover the items that was pending and as long as my actual account balance was positive when other items posted, I did not have to pay overdraft fees for those items. Now, Wells Fargo is immediately taking the funds for authorized transactions from my current balance - even though they are still pending and has not posted to my account, and causing me not to have enough funds to cover the items that post. Hence, I now have to put funds in the account to cover the pending/authorized items AS WELL AS the overdraft fees. If I do not put deposit those funds, I will be assessed overdraft fees for the pending items even though they were already deducted from my bank balance which caused me not to have enough money to cover the items that posted. 

I believe this to be an unfair overdraft fees practice. According to the overdraft fee laws, if you opt into the overdraft fee protection, at the banks discretion they can pay the items. However, if the items has not been processed and is still pending, technically, the bank has not paid them yet and therefore, your actual bank balance should not be affected by those pending transactions until the bank actually pays them. A customer should not be paying overdraft fees for pending transactions that has not be paid from their account by the bank.
Product: Debt collection

I had my old apartment stripped and robbed top to bottom along with the XXXX equipment and instead of inquiring with the police department like they were supposed to they sent the debt onto a collections agency charging me personally for the stolen equipment. 

I notified XXXX of this and they did n't care that someone had been charged and sentenced in the theft of their property they just want to blame me while blindfolded and ear-plugged to all reality. 

I think they just do n't care about their customers at all and its just quicker/easier to condemn the first name they see on their screens rather than investigating or contacting the customer. I never received any communications from XXXX alerting me to their internal decisions or reasoning. And without notification they ruined my credit by placing a collections for XXXX dollars. 

I will never be able to pay this amount nor should I legally be held liable for stolen property that a criminal has been charged and held responsible for by a court of law. If the government is unable to persuade you into doing what is right then I will find justice with my lawyers.
Product: Credit reporting or other personal consumer reports

This is erroneous information that affects me. 

XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX  - XXXX