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

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting my discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs 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 accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  XXXX loans are paid in full please mark account as such
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payments listed on my credit report. Upon careful review of the information, there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. 
I kindly request a thorough investigation into this matter and the prompt removal of any inaccuracies from my credit report. 

XXXX XXXX XXXX
Product: Debt collection

I monitor my credit report through XXXX, XXXX, and XXXX. I received an alert from all 3 credit reporting bureaus that there was a collection account added to my report. The company 's name is Financial Data Systems showing an account # of XXXX stating that the debt came from XXXX XXXX XXXX. I have never heard of the company Financial Data Systems. I am unaware of this company, the amount, the debt and it's origin therefore, this debt is not validated by me. Under the Fair Debt Collection Practices Act ( FDCPA ), the alleged debt has to be validated. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my PRIVACY and medical records from third parties. I do no recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. My complaint is two-fold : Validation of debt and HIPAA authorization. I demand that Financial Data Systems provide a copy of my signature with the provider of service to release information to them. I demand that Financial Data Systems DELETE credit reporting from XXXX, XXXX, and XXXX  until this debt is validated by me. Any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. Please delete this collection account from XXXX, XXXX, and XXXX  and cease all collection activity!
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency, has reported information without verifying my signature with a original copy, I have filed a 609 with Equifax, and they are in disregards of the law.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. The account ( s ) with XXXXcollections Total balance : {$2400.00} XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX Balance {$1800.00} Balance updated XX/XX/year> XXXX XXXX XXXX Account info Account number XXXX Original creditor XXXX XXXX XXXX XXXX 
Balance {$640.00} Balance updated XX/XX/year> I never gave anyone consent or permission to sell my information which is against the law to do so The first violation that was committed was the FCRA law 15USC & 1692g. They were to notify me of this in writing XXXX days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts :, has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the XXXX from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove these accounts from my report this is against the law and is considered tax fraud.
Product: Checking or savings account

Victim identity theft account takeover within first 20 days deposit XXXX sent fbi reports ftc nypd etc and they saying they paid my claim but not my husbands who they said no bank error found but didn't realize they were sending his debt cards statements etc to the address of the people who stole identity and sent 30+ supporting documents of proof but say they paid my claim in full mov XXXX but didn't still didn't secure account my husband never once got mail or debt card been fighting with them for 13 months over this when they alerted us of it!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over 60 days ago to XXXX  and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.
Product: Credit reporting or other personal consumer reports

I paid my debt in full to XXXX XXXX XXXX XXXX XXXX . they were representing first progress card. Account was settled XX/XX/year>. A while later it was removed from my credit report. Now it has re appeared.
Product: Consumer Loan

7TH AVE ACCOUNT NUMBERs : XXXX XX/XX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you 7TH AVE or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : 7TH AVE or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
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 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  ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

On XX/XX/XXXX my mortgage payment to XXXX XXXX XXXX from my savings account at BMO Harris was returned to my account. I had to then call again the following month for the same issue in this payment has gone missing and not applied towards my mortgage payment. I called again a third month in a row to get the same problem fixed this time was supervisors from both banks on a three-way call and no one could explain why my payments keep getting reversed and not credited towards my mortgage account. This is the third month in a row. I have even set up a new payment method with still no answers and my XXXX mortgage payment is still missing.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent a complaint via CFPB about Trans Union willing and negligent actions I asked for them to investigate several inaccurate items on my credit report they sent a response on XXXX XXXX saying that they were investigating I called on XX/XX/XXXX and they said they do not have a record of that complaint. Also, I told them about XXXX XXXX XXXXl erroroneous account. XXXX XXXX XXXX  is not licensed and bonded in the state of XXXX. I do not have a contract with them. I am unaware of the account. I have sent a cease and desist letter to XXXX. I made that known to the Trans Union representative. On XX/XX/XXXX Trans Union sent me an encrypted email saying that the account came back verified. I h
Product: Credit reporting

After sending the attached letter to Experian I received a response stating that Experian had contacted the company reporting the information I disputed ... ..and instructed them to review all information we provided concerning the dispute, verify the accuracy of the information, and provide us a response to your dispute, and update their records and systems as necessary. 
I have never given written or verbal consent ( as required by FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) ) to the Bankruptcy court, XXXX XXXX or any other party to share any public record information they might have on me with any Credit Bureau or anyone else ; including 3rd party suppliers of information. According to the FCRA, only information which has been Validated as true and correct can be reported on my credit file. Third party " verification '' does not meet the legal standard of validation, but, is merely heresay. Heresay can not be the basis for reporting an item on my credit file under any circumstance. A validator must have first hand knowledge of the information being validated. It is obvious that a court clerk or anyone else looking at a computer record and passing on that information as being " Validated or even verified '' does not meet the standard required by the FCRA nor by an abundance of court cases. While the information reported on my credit report has been challenged on its authenticity and its accuracy ; it is obvious from the Bureaus response, that they have no interest in listening to that dispute based on their acceptance of " verification '' as being legitimate. Therefore, I am asking you to investigate the way in which Experian conducts its " validation '' process
Product: Credit card or prepaid card

Weeks ago, we applied for a XXXX XXXX XXXX XXXX. We have receive XXXX emails confirming that we have been issued Chase Freedom unlimited cards, urging us to open our XXXX XXXX account on line, and urging us to use those cards. The last two are impossible given that we have never received any XXXX XXXX XXXX cards. Instead, Chase sent us three XXXX XXXXXXXX XXXX XXXX, XXXX in my name and XXXX in my XXXX XXXX name. We - I and my XXXX  - tried to resolve this problem on the telephone without success despite hours wasted. One problem is that the Chase authomated systems universally require that you state your account number, which we have never been told. We filed a complaint with your agency.. 

Today, we received in the U.S. Mails XXXX new XXXX XXXX cards, with a new account number, XXXX in my name and XXXX in my XXXX XXXX name. Again, we spent hours on the telephone with no resolution. WE WERE TOLD THAT THE PRIVIOUS UNAUTHORIZED XXXX XXXX XXXX HAD BEEN CANCELLED, AUTOMATICALLY CAUSING CHASE TO SEND XXXX NEW UNAUTHOIZED CREDIT CARDS TO BE SENT. We were not assured that the cards we actually authorized would ever be sent. My wife having left in disgust after hours on hold and being disconnecged by Chase, Chase 's represenative stated that the second round of unordered cards " can not be cancelled except by XXXX XXXX, the primary cardholder, '' even though XXXX are in my name and XXXX never autorized the cards in the first place. Chase has its rules. XXXX I am told by XXXX that the more credit cards we have in our names, the lower our credit score. So, all these unauthorized cards have a negative impact on our credit score. Wasn't it XXXX XXXX that was sending people unauthorized debit and credit cards? Should I call the U.S. Attorney for the XXXX XXXX of Ohio?
Product: Credit reporting, credit repair services, or other personal consumer reports

There's an unknown account on my credit file inwhich I have absolutely any knowledge of, therefore I'm demanding that this account be removed immediately from my credit file. 

1 ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These account are. hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

These account was charged off on the following date XX/XX/XXXX, & another account on XX/XX/XXXX. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations.You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts Equifax XXXX XXXX XXXX XXXXXXXX XXXX account XXXX XXXX accounts And XXXX XXXX closed on XX/XX/XXXX
Product: Vehicle loan or lease

I have had a checking and savings account, a credit card and an auto loan with this croucked company. Their fees are insane and they move withdrawals around to get the most overdrafts. Then on loans they claim to sell the vehicle WAY under value leaving a huge balance to pay. Customer service is rude and unhelpful.
Product: Credit reporting or other personal consumer reports

I REQUESTED BACK ON XXXX XXXX XXXX  THAT I WANTED TO OPT- OUT OF THE ACCOUNTS LISTED BELOW ACCORDING per 15 USC  6802b, 16 CFR  313.7a, 12 CFR  1016.7a(1)(2). XXXX XXXX XXXX, NOR EQUIFAX RESPONDED TO ME AT ALL. I REQUESTED TO OPT-OUT OF THE ACCOUNTS BELOW; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Ditech Mortgage company has up to this date, has never reimbursed me for fees they billed my account in error and validated it was their error. They acknowledged the mistake ONLY AFTER the CFPB was contacted with case XXXX. Each month they have given me the run around since XX/XX/XXXX and failed to provide me with the money. I have no other alternative to seek CFPB assistance in obtaining my money XXXX and would like to request funds with interest. I have been calling each month on the funds owed. Each month I have been advised they were processing the refund. In XX/XX/2017 I called, requested to speak to a Manager, but was advised there was no one to speak with me. The agent assured me the money would be transferred at the latest in my bank account by end of month XX/XX/2017. I was asked to provide my checking account and bank routing number. I am trying to bring my account current with an IRA hardship withdrawal but this company has done nothing to make their error, right. Please assist, this is the most unprofessional company I have ever had to do business with, thankfully there are agencies like this created to protect the consumer and track this companies dealings.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your continuous inaccurate reporting is severely damaging my financial character. You are reporting information to my consumer report without permissible purpose. I have never provided you with explicit consent to communicate with me in regards to a collection of any debt. Follow reasonable procedures in good faith, Failure to comply will result in a private right of action.
Product: Credit card

disputed my account due to someone else using my account. it was never taken off my account.
Product: Credit reporting or other personal consumer reports

Hunter Warfield - XXXX XXXX I reached out and asked for signed documentation and proof of this debt and it was never provided. 

Im unaware of this debt. I did not have an opportunity to dispute this debt. I did not receive proper notification. If in fact, you believe you gave me proper notification then please provide the certified mail with a receipt with my signature on there. Stating that I received it. I need this removed.
Product: Debt collection

I live in XXXX, but in XX/XX/XXXX I took a temporary summer position as a XXXX and worked in XXXX, XXXX. I got cable service with XXXX XXXX. I returned to XXXX in XX/XX/XXXX. In XX/XX/XXXX, I became aware that my FICO score had dropped to XXXX. For over 30 years, it has been at least 800. I checked my credit report and found that a XXXX XXXX XXXX of XXXX XXXX had placed negative information on my report. I called them immediately. They said they were collecting a past due account for XXXX XXXX. They said I still owed a portion of my final cable bill. I asked why they had not contacted me. They claimed they had. Apparently, they were asking for a XXXX XXXX. I receive a number of calls with no caller ID. I do not answer them as I am inundated with solicitation calls despite being on the do not call list. I paid the bill in full the next day with a personal check. 

I called XXXX XXXX and complained. They were sympathetic but said there was nothing they could do once it went to collections. I do not know why XXXX XXXX did not contact me. I paid my by personal check the entire time and it had my home address. SouthWest was somehow able to locate me and put a negative report on my credit report, but they could not send me a letter. I think this is grossly unfair!! I want my XXXX FICO score back asap. It is my understanding that negative reports will remain on your credit report for seven years. This is not fair!!
Product: Vehicle loan or lease

I AM VICITM OF AN IDENTITY THEFT, WHICH MEANS THAT THE TOYOTA MOTOR CREDIT ACCOUNT IS FRAUDULENT AND NOT MINE. SOMEONE STOLE MY INFORMATION AND OBTAINED THIS FRAUDULENT LOAN, THIS ACCOUNT IS NOT MINE, I HAVE NEVER OBTAINED A LOAN FROM TOYOTA. I AM NOT RESPONSIBLE FOR THE PAYMENTS FURTHERMORE I HAVE NOT MADE ONE PAYMENT TO TOYOTA. THIS IS NOT MY ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account claiming that the information they present is accurate, with which I greatly disagree. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I need the account corrected as soon as possible : XXXX XXXXXXXX
Product: Credit card

I received a letter from Chase stating they were closing my two credit card accounts due to " UNEXPECTED ACTIVITY. '' I wrote to them asking what that activity was and stating that my spending habits/patterns hadn't changed over more than two decades. They wrote back again stating the same thing : My accounts were closed due to " UNEXPECTED ACTIVITY. No additional information provided to customer for your privacy. '' They provided a number to call to ask for details. I called that number and was told they would not disclose the reasons for closing the accounts. Only that it was in Chase 's best interest. Certainly if they have a concern, then it seems to me that I should also be concerned about whatever it is they see. But no, they won't share it.

I'm very unhappy with the closure of my accounts, but I am more concerned that they will not share the reasons for doing so. For example, is there a purchase or purchases I should be concerned about? I've reviewed all of them over the past several months, and they are all legitimate with recognized vendors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my dispute results from Transunion Credit Bureau, and it was not in compliance with the dispute request for the documents sent to them by XXXX XXXX XXXX XXXX in regards to the charge off loan.I have been asking for the documents and procedures used by Transunion to verify and validate this account. I specifically as for the documents provided by the creditor XXXX XXXX XXXX XXXX, and have not received them in the timely manner consistent with the FDCPA of 30 days this is my my second time asking for these documents and not received them. By law they must remove this account or update it as payed as agreed IMMEDIATELY. I am including the results sent to me by Transunion. My next step is to file a law suit against Transunion.
Product: Debt collection

Date opened XXXX XXXX XXXX Collection account amount {$1600.00} I filled a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

data breach from equifax has caused me to have 3 social on my credit ftc violation