23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 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- ( i ) promptly delete The following inquiry is unauthorized : On XX/XX/2020XXXX XXXX XXXX  add a hard inquiry on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act The Following companies has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

Complaint Subject : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611 Account Name : XXXX  Account Number : XXXX Complaint Details : I am filing this complaint because there is a charge-off on my credit report that I believe is inaccurate. I have disputed this charge-off with the credit reporting agency, but it has not been addressed properly in accordance with the Fair Credit Reporting Act ( FCRA ). Specifically, the charge-off listed under [ XXXX ] is reported as a negative entry, but I dispute its accuracy. I have requested that the credit reporting agency investigate the charge-off under the following sections of the FCRA : Section 1681b ( 2 ) This section mandates that all information reported about me must be accurate and reflect the truth. Section 1681b ( 5 ) This section requires that users of consumer reports ensure that they have a permissible purpose for obtaining and using my credit report and that the information is accurate. The charge-off may have been reported inaccurately due to a lack of proper verification. Section 611 This section requires that all disputes be investigated and resolved within 30 days, ensuring that inaccurate information is either verified or deleted from the credit report Despite my request, the credit reporting agency has failed to respond in a timely manner, and I have not received a satisfactory resolution. Under Section 1681b ( 2 ), the credit reporting agency is obligated to report only accurate information, and Section 1681b ( 5 ) requires that the information has been reported with a legitimate permissible purpose. Under Section 611, they must complete a full investigation within 30 days of my dispute. I believe the charge-off is inaccurate for the following reason ( s ) : 1- Last Verified do not match 2- High Balance is incorrect 3- Closed Date do not match I am requesting that the CFPB assist in ensuring that this charge-off is properly investigated and, if the creditor can not substantiate its accuracy, that it be removed from my credit report. Action Requested : Ensure that the charge-off is verified or deleted in compliance with FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611. Ensure that the credit reporting agency conducts a complete and timely investigation into my dispute and resolves the issue as required by the FCRA. Thank you for your attention to this matter.
Product: Debt collection

This debt collector has engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I did not sign an agreement on. A legal contract is signed by two parties and I didnt participate in any of it. More so they didnt follow the 5 step validation procedure which make this unfair practices. According to the FDCPA I am entitled to XXXX XXXX  per violation and clearly they violated my rights.
Product: Money transfer, virtual currency, or money service

I am wrong to formally express my concerns regarding Zelles handling of disputes particularly in light of 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 infeasible.The CFPBs findings indicate that Zelle has not only neglected to protect consumers bus 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 or other personal consumer reports

**Re : Cease and Desist Demand and Dispute of Debt Account Number - XXXX Dear XXXX XXXX XXXX I am writing to formally dispute the debt referenced above, which you claim I owe. I request that you provide validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I request that you provide : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A detailed explanation of how the debt amount was calculated.

4. Copies of any documents showing that I agreed to pay the alleged debt.

5. The name and address of the original creditor, if different from the current creditor.

Until I receive this validation, I consider this debt to be in dispute.

Furthermore, under 15 U.S.C. 1692c ( c ) of the FDCPA, I formally demand that you cease all communication with me regarding this alleged debt. This includes phone calls, letters, emails, or any other form of contact. The only exceptions are communications required by law, such as the validation of the debt as requested above.

Please be aware that failure to comply with this cease and desist demand may result in legal action against your company. I expect your immediate compliance with this demand and that all collection activities cease immediately.

Thank you for your attention to this matter.
Product: Credit card

I have taken on tremendous amounts of debt. Currently this is what I have to my name : XXXX XXXX XXXX - {$780.00}, XXXX ( Mortgage ) XXXX XXXX XXXX Bank - {$80000.00} ( Car Loan ) Chase Bank - {$100000.00} ( Car Loan and Credit Card XXXX XXXX XXXX - {$48000.00} ( Credit Card ) Total Debt : {>= $1,000,000} I would like to challenge each of these financial agencies on the basis that the money used to create the loans was made by fake XXXX entries and therefore fraudulent. Legal precedent is just about any fraud case, including the cases against XXXX and XXXX XXXX. 

If XXXX cant inflate assets, neither can XXXX, XXXX, XXXX, or any other organization. If XXXX cant fake journal entries, neither can the Federal Reserve. 

I have public quotes from banking institutions where they admit that they are committing fraud when they create loans. 


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

I filed disputes on several creditors due to statue of limitations had expired, incorrect information was reported, and accounts were not mine. They denied to follow up with the investigation and would not allow me to re-dispute their findings. I was recently notified that CFPD has filed a lawsuit against XXXX. They alleged the company of accepting unreliable information and failed to notify consumer dispute results. This aligns with my situation. XXXX, Transunion and XXXX have not attempted to remove, nor correct any information. XXXX, Transunion and XXXX also failed to remove improper addresses/spelling of name with the excuse " its linked to a collection account '' Im requesting the derogatory remarks be removed or corrected immediately, as it is affecting my changes to purchase a home and vehicle. XXXX, Transunion and XXXX violates my rights as a consumer, as well as federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX # XXXX and XXXXXXXX XXXX XXXX XXXX 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 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
Product: Mortgage

I had a previous complaint XXXX This suppose to have been resolved. It was not. XXXX XXXX was suppose to have waived all the fees and correct my credit report. He was suppose to had sent me a copy of my mortgage that was redone with the rate of 3.75. He did not. Now they have sold my mortgage to another company adding more money than what I am suppose to owe. I sent them XXXX to them in XXXX stating that I am showing good faith that they would fix what they promised. They still did not fix it.
Product: Credit reporting

I have on numerous occasions supplied Experian with a copy of my Notarized and signed ID theft affidavit and letters from the Office of the Comptroller of Currency and XXXX in regards to an account that was opened at XXXX fraudulently due to ID Theft. Experian has failed to honor their legal obligations regarding ID Theft and has continued to allow the account from XXXX to remain on my credit report. This is even after XXXX has contacted me by letter and through the Office of the Comptroller of Currency stating that this account would be removed from my credit reports. 

On my last dispute XXXX and Experian even updated the account even though XXXX has promised to remove this account from my reports and XXXX ( which XXXX sold the account to ) has removed it from my reports due to it being opened due to ID theft. 
The multiple falures by both XXXX and Experian to honor their word and/or legal obligations has caused me both financial difficulties ( increased insurance premiums, increased deposits, increased interest on open accounts ) but has also caused me XXXX XXXX.
Product: Debt collection

My teenage daughter received a phone call on her cell phone from Chrysler Capital looking for an old neighbor that moved a year ago. 

I find it appalling that someone with Chrysler Capital thought it would be okay to do this. 

An employee of Chrysler Capital had to go online and look for a name or address of an old neighbor to the debtor in an attempt to track him down. They anticipated an old neighbor ( me ) will let him know about the call in an attempt to shame him into taking care of his debt. 

I will not do Chrysler Capital 's job for them. They should be stopped from using tactics like this on others.
Product: Vehicle loan or lease

I purchased a used vehicle in XXXX through GM Financial. This was XXXX XXXX XXXX. I made the first 4months on time if not early. I then got into an accident before the 5 payment was due. The auto policy through XXXX XXXX at the time totaled the vehicle and they took the vehicle. My Gap insurance that was puchases with the vehicle paid the remaining balance. GM financial then tried to collect an amount from me that they forgot to apply to the intrest after the vehical was paid off. I then reported the to the XXXX and the found them at fault as they had to remove it from my credit report on all 3 bureau. Years later approximately around XX/XX/XXXX they started to report to the 3 bureaus again as i tried to call them. And they refuse to fix it. Please look into it
Product: Student loan

The Department of Education forgave all of my previous ( prior to XX/XX/XXXX ) student loans due to XXXX. The monitoring period was from XXXX XXXX through XX/XX/XXXX, with XXXX of those loans having a monitoring period that extended to XX/XX/XXXX and XX/XX/XXXX, respectively. Therefore, the " Date of Status '' being reported to the credit bureaus ( XXXX, XXXX and XXXX ) should not show any activity beyond XXXX XXXX. Nor should a " recent balance '' stated, or implied, appear as though the accounts continue to have a balance owing. Furthermore, the " Recent balance '' should be shown to be " XXXX. '' This is not the case. 

Nelnet Inc, the student loan administrative arm for the Department of Education is reporting inaccurate and misleading information to the credit bureaus ; thus, distorting my credit score and worthiness. This has resulted in lost of credit and job opportunities, and has affected my finances negatively. 

The accounts that show under student loans, include : Department of Education, Nelnet Inc, and XXXX. All of the student loans were transferred to the Department of Education ; and, ultimately forgiven. Nelnet Inc, the administrative arm of the Department of Education, oversees student loans and any forgiveness of such loans. Reporting of such loans is also handled by Nelnet for the Department of Education.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, EQUIFAX AND XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance {$3500.00} ; XXXX XXXX XXXX Balance {$5000.00}
Product: Checking or savings account

Old Dominion XXXX XXXX provided me with a fictitious and fraudulent rejection letter regarding account opening rejection due to XXXX XXXX report when I passed all criteria and discriminated against me and opening of account. When asked agent in charge ( please see information below ), of explanation of rejection of bank account opening, no reply was provided to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These inquiries may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following inquiries are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 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: Debt collection

XXXX from Account Control Technology has contacted me several times at my place of employment. I can not have calls from outside of the company for personal use. She left a message with our XXXX to call her back at XXXX ext XXXX.
Product: Credit reporting or other personal consumer reports

I have been a victim of fraud. Thankfully a lot of the accounts were {$0.00} balance meaning the suspect couldn't steal as much as he thought he would from me. I am now following my recovery steps. To begin on XX/XX/XXXX a XXXX XXXX XXXX account was opened and reported {$20.00} balance. On XX/XX/XXXX a XXXX XXXX  account was opened and reported {$0.00} balance. On XX/XX/XXXX a XXXX XXXX account was opened and reported {$0.00} balance on the account. On XX/XX/XXXX a XXXX XXXX XXXX account was opened and reported a {$0.00} balance. On XX/XX/XXXX XXXX XXXX opened a collections account reporting {$540.00}. I have reason to believe " XXXX XXXX  '' is from a XXXX  XXXX XXXX XXXX that was opened fraudulently and i also disputed in the past. The reason is because they both reported the exact same balance.
Product: Money transfer, virtual currency, or money service

I have sent an international transfer using MoneyGram for family support to XXXX. The amount I sent was XXXX $ and it should amount to XXXX SEK. It is my first time using MoneyGram. I initiated the transaction on XX/XX/XXXX. The money was taken from my XXXX XXXX 2 days later, and I received an email on XX/XX/XXXX saying the money was sent successfully and it should appear in the receiver account at XX/XX/XXXX the most. 

When the money didn't show up, I contacted MoneyGram and I opened a case with MoneyGram on XXXX. I got a resolution today on XX/XX/XXXX, saying there was an error on the MoneyGram side and they will return the transfer fee of XXXX USD. Still the money isn't showing on the receiver side. 

I contacted MoneyGram today XXXX to tell them, the money still didn't show up and I wanted to understand if there was a mistake, what was it, when should I expect it in the receiver bank or if they have any transaction Id that I can use with the receiver bank. They provided nothing and the customer support hung up on me. They kept referring to the resolution email which doesn't answer any of these questions. 

My family has called the receiver bank multiple times and there is nothing on their system. MoneyGram isn't allowing me any information that I can use for tracking, they claim the money is deposited and they can't provide me any document or transaction id that can prove that and at the same time.
Product: Debt collection

XXXX  XXXX  XXXX Account Number {$1100.00} Balance XX/XX/2019 Date Opened Collection account. {$1100.00} past due as of XX/XX/2019. 

CREDENCE RESOURCE MANAGE XXXX Account Number {$1000.00} Balance XX/XX/2019 Date Opened Collection account. {$1000.00} past due as of XX/XX/2019 I've called several times ( both companies ) with no answer, hence no resolution. Credit agencies have also been notified.
Product: Credit card or prepaid card

Both my husband and I received bills in the mail for XXXX separate Best Buy credit cards with purchases on them. We never opened these credit cards, nor did we make those purchases. 
The credit card in my name was opened XXXX XXXX, 2022, and a charge of {$1400.00}. 

A card was opened in my husbands name on XXXX XXXX, 2022 and charged for {$2200.00}. 

When we received these statements in the mail, we contacted Best Buy to report it, and told them to immediately freeze and close the card. We also called to freeze our social security numbers and put an alert on them. 

Best Buy responded to me and said they denied my fraud claim. 

please let me know what other information you need, thanks!
Product: Credit reporting or other personal consumer reports

My account with XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Bank account or service

Purchased a vehicle in XXXX Texas. The dealer uses US Bank as XXXX of theirnew car loan lenders. I never received a welcome package so to speak with my account number and where to send payments. I actually had to go back to the dealer and ask the finance department to get the info I needed to make a payment which was due in five days. A 30 day time frame from the original purchase. Since I have an account with XXXX, that monitors my credit, I got an alert as to the new purchase and wanting to know if I had originated the loan or not. During the set up of my account on US Bank website, it was noted that my address was incorrect, my name was spelled wrong twice, giving me XXXX new aliases and a new address that I never lived at reported to all XXXX credit bureaus. After contacting US Bank customer service, their reply to my situationwas to give me phone numbers to the credit bureaus, which I could call to dispute the erroneous information, which they caused and created due to complete carelessness on their part. I just wish I had another XXXX of moving this loan to someone who cares about customer service. 
XXXX