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

I think FCRA 605B means we should delete any mistakes from my credit report. Can you look at the papers? Some of the accounts listed have wrong info, like the amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to reach out to credit bureaus to correct my credit report but nothing has been done up to this moment. I was a victim of identity theft and there are unauthorized inquiries and accounts that aren't mine reported. I wrote them another letter on XX/XX/2021 which I attached to this complaint hoping that they will check on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX ( XXXX ) 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 1666B : 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, or personal loan

I initially opened an installment loan and got merchandise with this company in XXXX. I made payments on the account up until XX/XX/XXXX. I called in and spoke to a representative on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My balance is not going down even with all of the extra payments that I have been making. I was notified on XX/XX/XXXX that all of my payments were going to a closed account. So i asked " what closed account could they have been going to? '' because i've never had another account. The representative told me that she would escalate the issue and have someone to call me about the problem that they noticed. I never received a call back, so I called to find out if the problem was solved and was told that all of my payments were not reported because they took it upon themselves without my permission to do extensions every month after i made my payments online and without my permission. This company is a total scam, as of today one of my credit reports shows a balance of XXXX and the other XXXX after 4 years of payments. This is crazy.
Product: Credit reporting or other personal consumer reports

I am currently rewriting my complaint with TRANSWORLD SYSTEM INC concerning inaccuracies in the information on my accounts. Despite sending a letter requesting an investigation into the mentioned accounts, the process took over 30 days to complete. TRANSWORLD SYSTEM INC claims to have finished the investigation, but upon reviewing my recent report, I observed no changes. They assert that the information is verified, but discrepancies in the date of last activity, date opened, date of last report, payment history, and status suggest otherwise. This situation seems unjust. I am aware of my rights under XXXX XXXX XXXX XXXX XXXX XXXX which guarantees my right to privacy, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, stipulating that a consumer reporting agency can not furnish an account without my written instructions. I have attached my FTC with the report number XXXX for this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a realtor in XXXX of XXXX who was helping me look for some apartments. He showed me a few and he had some of my information based off my W2 that I showed him. I did not give him permission to apply for none of the apartments he showed me. ( which he only showed me just two ) something just felt suspicious because my intuition was telling me not to trust him anyway. I Listened to myself of course and no longer worked with him. im currently looking on my credit report and I see that it says " tenant screening ''. I'm sure that's him because I was working with him around that same time. I did not apply for any apartments with him neither did I give money for an application fee so I'm not even sure why its on my credit report. the date of this inquiry was XX/XX/XXXX Here 's the creditors information XXXX XXXX Im not sure where this Experian account came from as well. I have no knowledge of this information. I didn't even know Experian had business credit. Im unaware of this activity and this was not me. the date of this inquiry was on XX/XX/XXXX Here 's the creditors information EXPERIAN BUSINESS CRED
Product: Credit reporting or other personal consumer reports

Subject : Request to Block an

d Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breach OF EQUIFAX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. I am also attaching proof that I was a victim of the Equifax data breach, and I kindly request that this information be considered as part
of my claim. 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX Account # XXXX Amount : {$0.00}
Product: Money transfer, virtual currency, or money service

am writing to formally express my concerns regarding Zelle 's handling of disputes particularly in light of the 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 these transactions 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 accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I have been receiving calls from XXXX XXXX XXXX, XXXX within the past couple of months everyday, at least twice a day regarding an account that I had with XXXX XXXX ( I believe this is the creditor ) in XX/XX/XXXX or XX/XX/XXXX. I believe the original amount was about {$2400.00}. The business has been closed for several years and I received calls from the law office a couple of years ago and started making payments. When I requested a copy of my original loan documents and totals of payments made directly to the law office, I believe XX/XX/XXXX or XX/XX/XXXX, I never received documentations. Around XX/XX/XXXX, I spoke to a representative and explained that I did not owe any monies to XXXX XXXX and requested that they stop calling me. Since that time, I have continued to receive numerous calls daily. No voicemail messages are being left but the calls continue to come in. I received a letter on XX/XX/XXXX, dated XX/XX/XXXX, from the law office stated that the letter was in regards to : XXXX XXXX XXXX, XXXX vs XXXX XXXX XXXX, Index Number : XXXX. I am guessing this is for the old account and have no idea who XXXX XXXX is. It states that I owe {$9900.00} with daily interest rate of {$1.00} which is insane to me. I want them to stop harassing me for monies that I do not owe to them. Again, XXXX XXXX do not even exist so I am not sure why after all these years, the law office has starting calling me again.
Product: Debt collection

I am frequently called by Harris and Harris at my home landline. They leave a vague message of attempting to collect a debt [ no name of who they are attempting to contact ] with instructions to call a number that is a long distance number. Even if I answer the call direct when I am home it is the same recording to call the number back. This has gone on all of 2016 and almost every day of a given week. I initially called the XXXX number to ask to be removed from the system robo-call or whatever it is. The line leaves you on hold incessantly and runs up time and I hang up. I have no debt or owe anything that would be in collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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: Money transfer, virtual currency, or money service

Wells Fargo blocked my ability to send payments but would not tell me why. They lie and obfuscate. I launched three separate inquiries with them over the blocking of my use of XXXX XXXX XXXX XXXXand each time they told me they could not help and I would have to talk to XXXX. They would not help me get the use of it reinstated and acted like they had nothing to do with it. XXXX says it was all Wells and that they can not help me and I have to go talk to the bank. Neither one will help me, neither one will give me a straight or honest answer as to why it was blocked. Each one says it is the other. I think it is wrong to block a customers access to the service and lie about it. They should have to be transparent because it is my access to service and my credit that is affected. I have since moved nearly {XXXX XXXX  out of Wells Fargo after 30 years of being a customer. And XXXX should not be able to block me without explanation. Both companies are not acting with responsibility or transparency and are breaking the public trust when they are allowed to do business like this and not be held accountable. I have been very inconvenienced and put in a bad position as I have been able to send payments for months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Experian multiple requests asking what method was used to validate the debt. I have submitted documentation from the Bankruptcy court advising that they do not report bankruptcies, I have contacted pacer and they have also confirmed that they do not report. I have also contacted XXXX XXXX and have also confirmed that my report is current locked and no information has been provided. I have submitted all the documents of proof and I just received that the account has been verified. I am requesting who, and what method was used.
Product: Credit card or prepaid card

I ordered a dresser using my XXXX XXXX Citibank credit card online at XXXX XXXX XXXX on XX/XX/2018, the amount was {$330.00}. They sent me an email on XX/XX/2018 saying that they would deliver on the following Monday, XX/XX/2018. They delivered on Monday, but right after they left my house I recognized one of the leg was broken. I called the delivery team back from my driveway to come back. They agreed and took the dresser back and called their company immediately. They told me that they would re-deliver a new one on the following Thursday. I then received an email on XX/XX/2018 saying that the re-delivery would be on Thursday XX/XX/2018. They never came back. 

I provided Citi bank credit card dispute department all the information and emails that I had with this company, showing them the company sent me an email saying that they changed the delivery date to Thursday XX/XX/2018, meaning that they were supposed to come back. 

I called the company everyday, sent them emails /messages via their websites and no reply. I searched online for their store and first thing I saw was that their company was a scam/fraud. Many people bought furnitures from them and never received their furnitures, or they charged people 's credit cards without authorizations. Citibank didn't do research and all they told me was they couldn't rule on my favor because I need a credit slip/charge back slip from the company in order to get my money back. I then contacted Citibank multiple times, asking them to do research on their end on this company. Their website is no longer active and they never picked up the phone. I was communicating with Citibank multiple times and at the end they still told me the same thing that I need a charge back slip from the company in order to get my money back even I explained to them the company appears to be shut down and how can I get a charge back slip from a company that is no longer active. I can't contact them. They appeared to be a fraud, why would a fraud company give their customers a charge back slip? 

What kind of protection do they offer to their customers? I paid {$330.00} for something that I never received, and Citibank never spent the time to do research and protect their customers. This company is a fraud and Citibank still says there's nothing they can do. 

This is the company 's website : XXXX XXXX XXXX This is what I found online regarding their company : XXXX : XXXX XXXX XXXX   XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  When I received the letter from Citibank saying that my credit was reversed and that I have to contact the merchant for a credit slip or chargeback approval letter, I was very frustrated. I ordered something which I have never received, not to mention the time that I wasted calling them everyday. How can I even get a credit slip from them if their company is closed and website is down? If they are willing to provide me with a refund then I wouldn't even have to file a dispute. 

I have been a loyal customer to Citibank, and they really disappoint me that I decided to switch to another credit card company instead. 

Thank you so much for your time and patience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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, U S DEPT OF ED/XXXX/XXXX, XXXX, XXXX XXXX XXXX. Inquiries : 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

Inquiries on my credit report that I havent authorize
Product: Credit card

On XX/XX/2024 I have submitted CFPB Complaint # XXXX against Synchrony Bank asking for the specific reasons behind three specific concerns related to closure of my long-standing Lowes credit card account XXXX 

The three ( 3 ) specific concerns raised were : 1 ) that the credit limit lowering and the account closure were just 3 days apart ; 2 ) that the account closure was done by the automated system, without human involvement / review / approval ; 3 ) that a human CSR on the line that I spoke with advised me that there's no way to reopen the account, no matter the fact that it was closed in an automated manner, without human involvement, review or approval. 

I was looking for a clear explanation of the speicifc reasons why that was done or is the case, for each of the above three ( 3 ) specific concerns that were raised. 

On XX/XX/2024, I have received a generic " write-off '' response from Synchrony Bank via CFPB, see letter attached, that merely recited the sequence of events ( dates and actions taken ) and didn't provide any specific reasons why for any of the above three ( 3 ) raised concerns. 

I am now submitting this complaint as a follow-up to CFPB complaint # XXXX, once again seeking the speicfic reasons why that was done or is the case, for each of the aforementioned three ( 3 ) specific concerns that were raised.
Product: Credit reporting or other personal consumer reports

I didn't authorize XXXX XXXX to run my credit on XXXX. Neither did I give my permission to XXXX XXXX on XXXX or XXXX on XX/XX/year>. Without my permission given to third-party individuals it is fraudulent behavior. Plus the criminal background that's listed to hinder me. Plus the inaccuracies in 2 addresses. XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. I submitted an FTC report also. confirmation code : XXXX.
Product: Checking or savings account

On XX/XX/XXXX I deposited a check for {$680.00} via Bank Of America 's mobile app. It posted to my account the next day. On XX/XX/XXXX my account was deducted {$680.00} with the explanation that the check image was unreadable and therefore returned by XXXX XXXX XXXX unpaid. I still had the physical copy of the check so I mistakenly tried to redeposit the check on XXXX/XXXX ( before I knew that it had already been paid ) but it was returned NSF. According to XXXX XXXX XXXX, the check was paid and their account holder 's account was deducted {$680.00} on XXXX XXXX, XXXX. A XXXX Financial Representative faxed over a letter on official letterhead to this effect on three separate occasions as per requested from BOA, but they are still maintaining that the money has not been paid by XXXX XXXX XXXX. I have been given three different contact names and fax numbers by Bank of America 's research and adjustments department yet have no way to confirm that they have received or processed the information. I have spoken to a different person each time I have called, around 17 times. I have spent over 6 hours trying to get them to reach out and directly contact XXXX. I have provided the contact information so I do n't have to act as the intermediary since clearly I am not familiar with their operating procedure, but to no avail. XXXX XXXX XXXX  provided the information they requested yet Bank of America refuses to address the problem. On XXXX/XXXX I was told that they actually did receive a fax on XXXX/XXXX, but they said they needed more information. They chose not to contact XXXX XXXX XXXX to request this information, but instead closed the case. Bank of America recommends that I deposit the check for a 3rd time, clearly demonstrating that they lack understanding of the issue. I have been to both banks in person and spent over 6 hours explaining the situation to Bank of America representatives on the phone, often being told conflicting information. I 've asked to have the case escalated but was told there is no case manager available.
Product: Debt collection

I have tried disputing this charge because I have no knowledge of this bill whatsoever. The company name is CONSUMER ADJUSTMENT CO. Saying that I owe almost {$2000.00} and won't take it off my credit report. There contact information is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX I've tried calling and no one will call me back.
Product: Debt collection

I have no clue who's the people are. They call multiple times.
Product: Vehicle loan or lease

I entered in to a consumer credit transaction with Capital One Auto Finance XX/XX/2021 involving a finance charge along with a down payment of {$3500.00} from my debit card. Pursuant to 15 USC 1605a the finance is charge is the sum of all charges in a consumer credit transaction and DOES NOT include cash.

The option for insurance was not offered to me as well as my right to right of recession they purposely denied me my rights by not providing me with the appropriate forms to exercise my right which is in violation of 15 USC 1635. 

Upon further review of the transaction I reached out to Capital One multiples times via phone ( XX/XX/2021, XX/XX/2021, XXXX XXXX ) to demand my title be returned to me with no lien or any type of security interest and was told by a representative they had not received the perfected title from the dealership in order to provide the form needed to remove them from my lien. But would reach out to the dealership to expedite the process, however the DMV printed off their screen to show me that Capital One was already listed prior to this conversation which is the reason I called. 

They have now began to email me about late payments and attempts to collect on a debt for something I do not owe them as the finance charge is the sum of all charges and was paid in full through the consumer credit transaction. 

I have now sent via certified mail a Validation of Debt, Cease and Desist as well as an Affidavit of Truth, still awaiting response. As a federally protected consumer under Title 15 Chapter 41, my rights have been violated and Capital One Auto Finance is criminally liable, pursuant to 15 USC 1611 and also civilly liable, pursuant to 15 USC 1640 and 15 USC 1692K.
Product: Checking or savings account

Chase decided to lock my account on XX/XX/2021 and I've been told it's pending closure as of XX/XX/2021. They won't give me a reason why. I've called and also gone in to the branch today and they tell me I am not able to access my account AT ALL and that it's under review. They can't tell me why it's under review or anything. How are banks allowed to close someone's checking account and not tell them why or even let me gain access to their money? What if it was fraudulent, and someone out there has my info? What if they thought something looked suspicious but it wasn't so then my account is being closed for no reason at all! I wouldn't know because they won't give me any info! All the money I have to my name is held in my chase checking account. What the XXXX am I supposed to do if I can't access it to pay my bills, to buy gas or food?? This is the most ridiculous thing that I've ever had happen. How do they have the right to do this? I have no money currently due to this situation. They said they will mail out a check once the review is complete and that could take anywhere from 2 -10 business days maybe longer? I can't wait that long. I have bills due this week.
Product: Credit reporting or other personal consumer reports

I am submitting another complaint because I am once again stating that I have sent multiples letters for half of a year requesting that the information be removed and updated. From XX/XX/XXXX until XX/XX/XXXX. The information has not been updated at all. And not has been updated. 

I have already sent multiple letters requesting the information to be removed and to be verified. And you ask me to continue to do it The response giving to me on XX/XX/XXXX was to re-submit disputes. The doesnt make sense to do that. My rights are being completely violated. I am not submitting anymore letters and I am seeking litigation if the information previously requested is updated and removed. 

XXXX XXXX XXXX is a resold debt from a different debt collector. And they are trying to collect a debt from XXXX, and on my XXXX Report, another debt collector is trying to collect on a debt from XXXX of the same account. Which is completely illegal. I pulled the information from the Experian app and printed the reports. 

XXXX has no documentation saying that I have agreed to pay that debt they are collecting on the behalf of XXXX XXXX. They will not provide information of registered agent of service, obligation of debt with my signature on it of agreeing to pay. 

Youre violating my rights and the FCRA federal law.