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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 


XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$380.00} written off. 
XXXX XXXX  Under dispute Date opened XX/XX/XXXX XXXX {$740.00} Status Account charged off. {$740.00} written off. {$740.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX dispute Date opened XX/XX/XXXX XXXX {$1100.00} XXXX Account charged off. {$1200.00} written off. {$1100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX dispute Date opened XX/XX/XXXX XXXX {$0.00} XXXX Account charged off. {$470.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Account charged off. {$1300.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$3800.00} XXXX Account charged off. {$3800.00} written off. {$1600.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XX/XX/XXXX Balance {$1200.00} {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
XXXX BANK Potentially negative XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX XXXX 
Collection accounts XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$480.00} Status Collection account. {$480.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$470.00} XXXX XXXX account. {$470.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1200.00} XXXX XXXX account. {$1200.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$380.00} XXXX XXXX account. {$380.00} past due as of XX/XX/XXXX.
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. 

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 has violated my rights. Or 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: Credit reporting or other personal consumer reports

List of FCRA CONSUMER RIGHTS VIOLATED 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; Violation 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information Account past due amount invalid, already paid and reporting well over amount in attempt to hurt credit. Transunion report has been modified with invalid data to punish and cohere consumer 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681 Violation 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate Collections account failed to identify itself properly, intentionally scribbled over name to make it so they can not be verified, signature is not legible for verification, letter does not provide all documents stated and letter is only a spreadsheet and does not validate debt When asked to Please provide the following : Agreement that grants the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor where I agreed to pay the creditor.

Any insurance claims been made by any creditor regarding this account.

Any Judgments obtained by any creditor regarding this account.

Name and address of alleged creditor.

Name on file of alleged debtor.

Alleged account number.

Address on file for alleged debtor.

Amount of alleged debt.

Date this alleged debt became payable.

Date of original charge off or delinquency.

Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful.

I am also requesting Copy of original contract with my signature Copy of payment history Name and address of original creditor Proof of collection authorization The means of which this information was VERIFIED and VALIDATED No information was provided, instead company is requesting personal information they should already have if debt was validated correct. Debt has been false reported without proper verification.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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
Product: Debt collection

Gurstel Law Firm asked me to make an offer on my debt. I made one of {$10000.00}, which was ignored. I then made another offer of about 40 % of the debt due the original creditor, which I had settled a different debt at 40 % with. I informed Gurstel Law Firm that I expected a response to my proposed settlement within five days, or I would consider the debt invalid. I received no such response, and Gurstel Law has continued their lawsuit against me.
Product: Credit card

On XX/XX/XXXX I attempted online to book a flight with XXXX XXXX around trip from XXXX to XXXX XXXX and back. The first trip was priced at {$390.00}. That would include my seats and a round-trip when the confirmation printed out it did not bring me back to XXXX. It only took me to Florida or XXXX XXXX, Florida, I have tried again to book that same flight this time the charge was XXXX when the confirmation printed out is still left me in XXXX Florida it did not bring me back to XXXX. I called XXXX XXXX the next day on the XXXX the agent said no worries he will take care of it he and he booked my flight. It was correct this time, the flight brought me back to XXXX and I also had seats that I chose with the seats and the return flight it was {$430.00} to guaranteed the price. The agent sent me to my phone while he was online a payment portal for me to agree to the {$430.00}. He waited online, I went to the portal with my XXXX XXXX card and I paid the {$430.00} and then twice. I reminded the agent that I needed to be reimbursed for the flights that did not bring me home because somewhere in the process before printing my confirmation, the airline made a mistake, the agent replied, no worries I will take care of it. Several days later I checked and the agent did not take care of it. Ive tried disputing it XXXX XXXX gave me credit and when XXXX XXXX wrote in or challenge my dispute. The {$840.00} was applied back to my card. XXXX XXXX is taking XXXX XXXX word over mine, I have been a faithful card holder since XXXX. Ive never missed a payment and Ive never been late. I am not willing to allow XXXX XXXX  who is presently under federal investigation for overcharging and racketeering to get away with doing me the same way, I cant afford to give XXXX XXXX an additional {$840.00} XXXX XXXX dispute department is clearly not looking at the full evidence. They are not reading the evidence because its clear that I was overcharged. Three transactions in the last transaction is the only one thats valid. I need my money back and I need XXXX XXXX to act on my behalf instead of XXXX XXXX, who is presently under federal investigation for the same behavior.
Product: Money transfer, virtual currency, or money service

My home was destroyed by hurricane Ida and condemned I was selling my kitchen cabinets on XXXX XXXX for XXXX this person by the name of XXXX XXXX reached out and wanted to buy them. The agreement was he would send check for the amount of the cabinets plus moving fees for a company to pick them up I received a check for XXXX so XXXX for cabinets XXXX for moving fees. He coaxed me into sending him the XXXX through XXXX via my chase bank. He said thats the only way the moving company would move the cabinets. They needed the money up front. He then two days later canceled it saying his sister had an accident was in the hospital with XXXX XXXX XXXX and he needed the XXXX sent to him in cash thats when I realized it was a scam. He scammed me at a very vulnerable time I have lost my home. Im a XXXX in the XXXX just come through XXXX I need this money back. Please can you help me. This is just not right. I need my chase to look into this for me. Thank you
Product: Debt collection

CFPB Complaint Against Fair Collection & Out Your Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Email Address : XXXX Date : XX/XX/2024 Debt Collector : Fair Collection & Out Debt Collector Address : XXXX XXXX XXXX XXXX XXXX MD XXXX Original Creditor : XXXX XXXX XXXX I am filing this complaint against Fair Collection & Out ( herein after " FCO '' ) for violating the Fair Debt Collection Practices Act ( FDCPA ) and its implementing regulations. Specifically, FCO has engaged in the following unfair, deceptive, and abusive practices : Violations : 12 C.F.R. 1006.34 ( b ) ( 5 ) : FCO has violated the restriction on contacting you at inconvenient times or places. ( Provide specific details of the inconvenient times or places you were contacted, e.g., early mornings, late nights, at your workplace when contacting employees is prohibited ).

12 C.F.R. 1006.35 ( c ) ( 4 ) ( i ) : FCO has contacted you by phone more than seven ( 7 ) times in one week or within seven ( 7 ) days following a conversation about the debt. ( Provide details of the excessive call frequency ).

12 C.F.R. 1006.34 ( d ) : FCO has used harassing, oppressive, or abusive language during its communication attempts ( Provide specific examples of harassing or abusive language used by FCO ). 
15 U.S.C. 1681s-2 ( 7 ) ( A ) : FCO has made false or misleading representations about the character, amount, or legal status of the debt. ( Provide details of the alleged misrepresentation, e.g., inaccurate amount of debt claimed, threats of wage garnishment without legal basis ). 
Request for Relief : I request that the CFPB investigate these violations and take appropriate action against FCO. This may include : Ordering FCO to cease all communication regarding the debt. 
Verifying the debt and providing written validation of the amount. 
Correcting any inaccurate information reported to credit bureaus. 
Awarding damages for emotional distress and any other losses caused by FCO 's violations. 

Thank you for your time and attention to this matter. I look forward to your prompt investigation and resolution. 

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

After several attempts of contacting the credit bureaus and synchrony advantage card XXXXXXXX XXXX to add the account to my credit profiles the account was never added to my XXXX XXXX or Experian. The account number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALORICA ( WAM ). IGNORED OUR DEMAND TO REMOVE THIS TRADELINE FROM XXXX  XXXX MANUALLING DOING SO.
Product: Credit reporting

I called Equifax today XXXX/XXXX/15 and got XXXX XXXX from the office of consumer affairs. I called to explain how I was n't able to view my credit report. As I was trying to explain my issues I was rudely cut off and talked to in a very condescending manner from XXXX XXXX. I asked her why I ca n't view my report. I was given zero explantation and continued to be talked to rudely. At this point I asked for a manager and was denied the right to speak to a manager and hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX Equifax Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.
Product: Checking or savings account

So I have had a ton of problems with this company. XXXX of my disputes took over XXXX years to recieve a response. Anyway I filed another dispute and for some reason it was taken back as no error found. The card was lost and used against my will or knowledge. I had thw PIN memorized but also written down in my wallet, which had also been lost. I had to order a new license and social security card and other cards. Also my virtual card got hacked as well and I brought that up to current and had a new virtual card issued. 
Anyway, this transaction that was made fraudently came back as no error found because my pin, that had also been stolen out of my wallet was not entered wrong. That makes no sense, because the pin was with the wallet that had been stolen. So I want that money replaced because that transaction was fraudulent. 
Then that brings us to a bill payment for XXXX XXXX XXXX  that was XXXX and it qas made with my hacked virtual card. I have never had XXXX XXXX XXXX  as my phone company. If you actually looked into, this transaction was for a totally different person, and also a male. I have called XXXX XXXX XXXX They told me to file a dispute to get my money back. That XXXX I would like returned. 
I am filing another dispute that was made with my hacked virtual card. I am filing rhe dispute now, they are for XXXX, XXXX and XXXX. The XXXX and XXXX are from XXXX XXXX XXXX as well, as I said I never had an account with them. The XXXX XXXX  transaction is for a court fee that was not mine. It is not in my name and was also paid for with my hacked virtual card. I want the money from the XXXX XXXX XXXX XXXX  transactions back as they were all made fraudently, and I want the XXXX XXXX transaction paid XXXX XXXX to me as well, as this fee was not in my name and not my court fee. I am so disappointed as I have recieved no emails about any of my disputes. I have to file complaints on this site to even get a response. None of my disputes are even looked into, and I believe I am having such trouble getting my money back because I have filed so many disputes. I am getting tired of my money getting hacked and not being able to recive it back from the bank. The companies that the card was used fraudulent have informed me to file a dispute with the bank and get the money back. I am so dissatisfied and disappointed with this bank. 

I recommend never using this bank. They take forever to get back to you, and then receive your money back when you dispute fraudent activity.
Product: Credit reporting or other personal consumer reports

I NEVER GAVE ANY OF THE CREDIT BUREAUS VERBAL OR WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. NO CONSENT IS IDENTITY THEFT. A COPY OF THE LAW IS ATTACHED WITH THIS DISPUTE. I HAVE NOT GIVEN YOU PERMISSION TO ACCESS MY CREDIT FILE AND YOU HAVE NO PERMISSIBLE PURPOSE BY LAW TO CONTACT THIRD PARTIES WITH MY PRIVATE OR PERSONAL INFORMATION. YOUR OFFENSES AMOUNT TO AGGRAVATED IDENTITY THEFT PURSUANT TO 18 U.S.C. $ 1028A. YOU HAVE KNOWINGLY TRANSFERRED, POSSESSED, OR USED WITHOUT LAWFUL AUTHORITY A MEANS OF IDENTIFICATION OF ME, WHICH IS A FELONY PUNISHABLE WITH UP TO 2 YEARS OF IMPRISONMENT, IN ADDITION TO CIVIL LIABILITY.
Product: Checking or savings account

Ok this happened approximately XXXX year ago, I noticed that there were several transaction made on my card one morning, when I tried to buy something with my debit card. And it was declined. And the day before there was several XXXX dollars in my account. So I went inside the bank and the banker I talked to helped me file a claim. So there were over XXXX transactions taken from my account in a XXXX month period. And it added up to over {$6000.00} dollars. So I waited for XXXX months for them to investigate. Then I received a letter saying the claim was denied. And that I authorized all of the transactions. So they closed the claim. So I asked for a copy of the statements, and they were mostly from XXXX. So I noticed that all of the amounts were small amounts,. So that's why I didn't notice the money being taken. And the amounts were no more than XXXX, or XXXX XXXX etc. I have never purchased anything from overseas. So I went and filed a police report and the bank said maybe they would reopen my claim. But they refused. So my phone was also hacked, and I had to buy a new phone. And someone claiming to be from XXXX security called and said they were returning money to me, and at that time I had {$700.00} in my account and they tried to get me to log into my mobile banking but I said no, so they continued to stay on my phone. Then I hung up on her so I could call the fraud line for Wells fargo and somehow the XXXX lady was still connected and kept pushing mute on my phone so I couldn't call and report that someone was trying to withdraw {$700.00} from my account. So I immediately removed the wellsfargo app from my phone. And they said they were not going to give me back any of the money.
Product: Money transfer, virtual currency, or money service

I was told not to do anything but I took the proactive approach and filed a claim with the FTC and attorney general. I also planned on filing a report with the attorney general and XXXX for XXXX XXXX/zelle but was waiting to receive a call or email back. After calling today, I saw that there are notes on file but nothing explaining what actually happened. If you go back and listen to the recording you will be able to see that I was essentially strong-armed my a very XXXX  man in a bad neighborhood with XXXX XXXX who begged to use my cell phone for a call. I was hesitant but due to the fact I was with my wife and in a bad neighborhood, I complied with his request. He was then able to send {$1700.00} through zelle in my XXXX XXXX app before getting my phone back.I was able call in and report it while the transaction was still pending and provide the phone number it was being sent to but they were unable to stop it from happening. I will come into my closest branch as soon as its open but wanted to provide a copy of the first fraud claim to help re open the casa or expedite the process. Once I speak with someone I will then take the necessary steps through the attorney general, XXXX. I would like to submit an authorized pushed payment fraud as listen in your XXXX and will commit any time and resources I have to get this taken care of.Please submit a SUBJECT ACTION REQUEST to dig deeper into the issue to get my money back for my bills and make sure this does not happen to someone else in a poor financial situation. In the mean time I will also reach out to Financial Ombudsman Service. To see if they can add additional assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

My vehicle was falsely repossessed by my apartment complex, I was out of town on business and came back to it gone. The apartment will not reimbursement the fees I had to pay and the lender, XXXX, has listed it as a repossession due to non-payment. My car has been paid continuously and ON TIME. They refuse to remove the information! The information reporting for this auto loan is completely false. Payments were made on the account as scheduled. My apartment complex wrongfully had my car towed when I went out of town for three ( 3 ) days because they said it had not moved from where it had been parked. The apartment complex claims that they did not have it towed but a towing company isn't going to just randomly drive into a complex and tow a car away. I have proof that my payments were being made and that they were on time, this was not a situation where the lender repossessed my car for non-payment. I am enclosing documentation to confirm that the information that I am stating in this correspondence to you is true. Please remove the notation that this was a repo on my credit report because it was not. My payments were never late and this situation had nothing to do with my loan but an issue with my apartment complex.
Product: Payday loan, title loan, or personal loan

I applied for a personal loan with Upgrade Inc located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX, tel : ( XXXX ) XXXX. The total amount to be financed is {$17000.00}. The loan application # is XXXX. I called today to cancel my application and the loan and emailed them my request as well, however they told me it's too late because the funds are in process. They told my {$12000.00} is being funded to my credit card company ( XXXX XXXX ) and {$1400.00} to my personal checking account. I had XXXX  XXXX representative XXXX on the phone with me while speaking to XXXX at Upgrade Inc who told her XXXX XXXX may not be able to return the funds back to them. I kept telling them I don't want the loan any more and the representative by the name of XXXX told me its too late and its not possible to cancel. I told them I don't want the loan anymore and she kept refusing to cancel the loan. They also said that once my credit card company receives the funds that XXXX XXXX get send it back to them but my credit card company already said its not guaranteed that they will send it back to Upgrade Inc . When I told Upgrade I was contacting the Consumer Financial Bureau she finished up the call and told me to have a nice day.
Product: Credit card or prepaid card

the company scammed me into getting the card. i had to file a complaint with you already. i was waitimg for a resolution to the complaint so i did not pay any of the bill. the complaint was resolved in my favor so i called tto pay the balance and i was in collections. i then paid my card and closed my account. now i have nefative credit because of it. i called and XXXX employee number XXXX said they could only called the risk review dept and the would not respond for 30 days.