23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I am disputing the credit information being reported on my credit record by : WELLS FARGO DLR SVC/ almost {$5000.00} CHARGE-OFFXXXX XXXX BUREAU XXXX, XXXX are reporting this as an involuntary repossession on XXXX 2015. 
We requested a voluntary surrender of the vehicle as we had a job layoff that affected our monthly income, but they did not provide us with information to do so. They claimed to have sent us the information, but we did not receive it even after repeated attempts and multiple conversations via phone with multiple departments and persons. They finally sent us paperwork and had the vehicle picked up for months later and then reported it as an involuntary repossession instead of a voluntary surrender and undersold the vehicle for less than its current value. 
We had to spend extensive time chasing them down for a voluntary surrender, had to store the vehicle until they sold it, maintain insurance coverage and vehicle tags for four months, and am now suffering defamation of character ( involuntary repossession is totally different than voluntary surrender ). Being a middle-aged, XXXX female, I resent having to call to attention false statements and unethical practices that border the grey edges of legal practices such as this that insult my intellectual abilities, defame my character, and threaten my ability to attempt to reenter the workplace, obtain housing, and/or improve my credit status to better myself.
Product: Credit reporting or other personal consumer reports

Since the beginning of XX/XX/XXXX, I have received pre-paid debit cards that I have not applied nor have used for and application cancellation notices from financial institutions that I have established relationships and accounts with notifying me of accounts that were attempted to be established by someone who has fraudulently taken over my identity. Through these institution policies and technical advances, these accounts were stopped, and applications were canceled. However, the results of these attempts left inquiries on my credit report that were the result of fraud. 

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

It APPEARS TRANSUNION, XXXX, AND XXXX ALL HAS VIOLATED MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT AND THE FAIR & ACCURATE CREDIT TRANSACTIONS ACT. I'VE SENT SEVERAL DISPUTES WITH THE MOST BEING ON THE XXXX WHICH INCLUDED A COPY OF LOCAL POLICE REPORT AND IDENTITY THEFT AFFIDAVIT WHICH INCLUDED SPECIFIC ACCOUNTS THAT WERE FROM THE RESULT OF IDENTITY THEFT XXXX XXXX XXXX, XXXX XXXX XXXX, DEPT OF EDU, XXXX XXXX & XXXX XXXX. TRANSUNION, XXXX, AND XXXX HAS FAILED TO BLOCK THE FRAUD RELATED ACCOUNTS UPON BEING NOTIFIED WITHIN 4 BUSINESS DAYS FROM A CONSUMER IN ADDITION TRANSUNON, XXXX, AND XXXX HAS FAILED TO PROVIDE ANY NOR ACCURATE VERIFICATION WHATSOEVER AND HAS DELIBERATLEY IGNORED MY REQUEST TO UPDATE AND REMOVE THE FRAUDULENT ADDRESSES AND INQUIRIES THAT ARE STILL DISPLAYING ON MY CREDIT FROM MY CREDIT FILE WHICH CLEARLY VIOLATES SECTIONS 605B, 609, 611, AND 623 OF THE FAIR CREDIT REPORTING ACT NOT TO MENTION XXXX XXXX CONTINUES TO REPORT A FRAUD RELATED ACCOUNT AFTER BEING NOTIFIED FROM A CONSUMER REPORTING AGENCY WHICH NEVER PROVIDED ANY INITIAL 5 DAY COMMUNICATION WHICH IS REQUIRED BY THE FAIR DEBT COLLECTION PRACTICE ACT NOT TO MENTION IT HAS BEEN OVER 60 DAYS FROM MY INITIAL DISPUTE AND YET NEITHER TRANSUNION, XXXX, AND XXXX HAS BEEN ABLE TO PROVIDE ANY ACCURATE VERIFICATION PERIOD OBLIGATING ME TO THESE FRAUD RELATED ACCOUNTS. I WILL NOT ACCEPT THE TYPICAL RESPONSE OF YOU NEEDING TO CONTACT THE FURNISHER OR YOU NEED MORE SPECIFIC INFORMATION REGARDING THE ACCOUNTS, OR YOU REFUSE TO HONER MY REQUEST BECAUSE IM A WORKING WITH A CREDIT REPAIR COMPANY. THE ONLY REASONABLE SOLUTION WOULD BE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS FROM MY CREDIT FILE SINCE I'VE PROVIDED MORE THAN THE NECCESSARY REQUIRED DOCUMENTS TO SUPPORT MY CLAIM.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes particularly in light of 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX, XXXX XXXX OH XXXX Dear Sir/Madam, I am writing this letter to dispute the validity of a collection account that appears on my credit report. I believe it is in both our best interests to clear up any misunderstandings and resolve this matter amicably. I request that you investigate the account in question and remove it from my credit report immediately. 


Account Details : XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX oh, XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX oh, XXXX I am disputing this collection account on the following grounds : 1. Verification : I have never received any correspondence or communication regarding the above-mentioned debt. According to the Fair Debt Collection Practices Act ( FDCPA ), collection agencies are required to provide verification and proof of debt upon request. I kindly request you to provide me with any relevant information, including copies of original agreements, invoices, or any documentation that validates the debt in question. 


2. Inaccurate Reporting : I have reviewed my credit report, and I believe that the reported date and amount of this collection are inaccurate. I request you to review your records and provide accurate reporting details for this account, including the correct dates and payment history, if applicable. 


3. Identity Theft : I am concerned that this account may be the result of identity theft. As I have no recollection of conducting any business whatsoever with the alleged creditor, I genuinely believe that my personal information might have been compromised. Therefore, I kindly request you to conduct an internal investigation to verify the accuracy and legitimacy of this account. 


Please note that according to the Fair Credit Reporting Act ( FCRA ), accurate and up-to-date information must be reported on my credit report. If you fail to provide sufficient proof or fail to respond within 30 days of receiving this letter, I will take further action to protect my rights under the FCRA. 


I request that you promptly investigate these claims, and if they are indeed substantiated, I respectfully demand that you remove this collection account from my credit report and cease any collection activities associated with it. Additionally, I request a written confirmation of the removal of this item from my credit report within 15 days of your investigation. 


I would appreciate your immediate attention to this matter to avoid further escalation. I intend to monitor my credit report closely and expect a timely response from your agency. Failure to resolve this dispute adequately will leave me no choice but to pursue legal action to protect my rights. 


Please respond to this dispute in writing and provide all necessary documentation related to the investigation to the address listed above. 


Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

To Whom It May Concern, I am writing on the concerns to formally express my concerns on the regards of Zelles handling of disputes, in the highlights of the CFPB lawsuit highlighting significant issues with the with the platform. Despite using Zelle numerous times on the matter, and reporting discrepancies, my financial institution and Zelle failed to investigate my my claims adequately. They responded back to me by informing me that recovering any lost funds was impossible and that tracking these transaction was infeasible. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove the XXXX collection from my file it has been removed STATUS Company responded on X/X/2017 RESPONSE TYPE Closed with explanation Company 's Response Re : XXXX XXXX Reference No : XXXX Original Creditor : XXXX XXXX Dear XXXX XXXX : Your dispute has been noted. Please accept this as confirmation we have closed the account in our office and returned it to the original creditor. Additionally, we have requested a deletion of information provided by XXXX XXXX  to the credit reporting agencies. You may wish to check with your local credit bureau in 30-45 days to ensure that your credit file has been corrected. Your Credit Bureau Account XXXX is XXXX. Thank you for the opportunity to review and respond to this matter. This communication is from a debt collector. Sincerely, XXXX XXXX, # XXXX Consumer Affairs staff on behalf of XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX, XXXX app and XXXX. Upon further research this account is not accurate on the amount that is said that I owe. Debtors creditor did not verify this collection. Also there was no written communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Debt collection

This company which I hold no contract with, nor have received services from, reported a collection account against my SSN in the amount of {$370.00}. I sent a certified letter asking for validation with a signed contract, and received no response. I filed a complaint with the CFPB on XX/XX/XXXX. JH portfolio responded on XX/XX/XXXX. However, they still did not show adequate proof of validation. They sent me a bill. According to FCRA that is not proper validation. Proper validation, I requested was a signed contract. Considering this business has not provided proper validation, Im not obligated to pay the alleged debt.
Product: Credit reporting or other personal consumer reports

XXXX, and XXXX both did the same in contacting me during COVID19 when there was a cease order. I had been contacted constantly during the cease order. 
I also asked them to combined the loans which I requested before COVID19. 
I had a letter stating that they would not lower my credit scores. Well, they did exactly that and lowered my credit scores 43 %. I had also mentioned that I work as a XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect collections on my CR especially XXXXn and XXXX. 
Enhanced Recovery Company Original creditor XXXX {$240.00} Item was returned on XX/XX/XXXX. 
This was regarding a equipment device that was returned XXXX years ago. This collection takes it off then puts back. All other CR have removed it. I have submitted showing the date that it was sent back to company in their prepaid envelope. See enclosed documentation XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} Colonoscopy that insurance paid included in preventative maintenance plan in XXXX. All other CRs have taken this off except XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I noticed a charge for {$19.00} on my bank statement that I did not make, from " TU *TRANSUNION XXXX CAUS '' dated XX/XX/XXXX. 

I investigated and found that this {$19.00} charge had appeared every month since XX/XX/XXXX. There was also a charge for {$1.00} on XX/XX/XXXX. 

I called the XXXX number to report this and was told that I had signed up for their credit monitoring service. I explained that I had not signed up for it, did not want it, and had never once used it. I requested a full refund. They said they could only refund 12 months of charges. I asked to speak to a supervisor and was told that I would receive a call back the next day. 

A different representative called back and offered a refund for only 4 months of service. I told her that the previous representative had offered 12 months, and that I would like a full refund for a service that I had never used or ever wanted to subscribe to. She offered to cancel the subscription to avoid future charges, to which I agreed. I asked to speak to another supervisor about the full refund and was told I would receive a call back. 

A few days later, I received a call from a third representative and explained the situation again, and was told again that they would only refund 12 months of charges. I told her that if I did not receive a full refund, that I would file a formal complaint with the CFPB. Until now, I have not received any compensation from TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( 15 USC 1681, section 602 ( a ) ), consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumers ' privacy. XXXX, XXXX, and XXXX are such agencies, and as a consumer, I have the right to ensure my private information remains confidential. This right is reinforced by 15 USC 6801, which mandates financial institutions to protect the security and confidentiality of customers ' nonpublic personal information. 

According to 15 USC 1681, section 604 ( a ) ( 2 ), consumer reporting agencies can only furnish a consumer report with the consumer 's written consent. Neither XXXX, XXXX, XXXX, nor any financial institution has my consent to share my information, and I revoke any previous consent given. 

Per 15 USC 6802 ( b ) ( c ), financial institutions must inform consumers of their right to opt out of information sharing. I was not informed of this right. Additionally, 15 USC 1681c ( a ) ( 5 ) prohibits reporting adverse information older than seven years, which includes the account in question being reported without my permission. 

Under 15 USC 1681s-2 ( A ) ( 1 ) ( A ), it is illegal to furnish information known to be inaccurate. Furthermore, 15 USC 1681e requires consumer reporting agencies to maintain procedures to prevent violations and restrict report furnishing to specified purposes. XXXX, XXXX, and XXXX are failing to maintain such procedures. Lastly, 12 CFR 1016.7 allows consumers to opt out of reporting services at any time, and I am choosing to exercise this right.
Product: Debt collection

Company called and said I took out a payday loan that I never took out 6 years ago, told me I was going to be sued if I did n't pay them XXXX dollars. Name of company is Cadinal Processing, said loan was through XXXX XXXX and XXXX XXXX.
Product: Debt collection

I received several calls and later a printed statement by mail, regarding an old student loan from a Collection Agency that indicated they were contacting me on behalf of the Department of Education. I contacted them by phone and was told unless I agree to set up satisfactory payment arrangements or submit the full payment amount, I would be subject to further collection activity including garnishment of wages and or XXXX / S.S. benefits. The issue also is currently there is a tax offset already in force that automatically forwards any tax refunds toward the balance of the student loan. 

With that already active, I should not have to be threatened & harassed by a collection Agency for a debt that is already being paid by the tax offset.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a 3rd party collection agency that has been harrassing me, saying I owed money to XXXX XXXX. I told them I did not owe this money about 15 times in the past 5 months and they reported it to the credit nureaus anyway, completely destroying my credit score. Now I have to jump through hoops and bend over backwards to show I do not owe money on an account I do not have. On top of that they are refusing to speak to me because they have my name spelled wrong and they are saying that it is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any inquires which were unauthorized within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Bank account or service

I went to a XXXX ATM and made a deposit. It was anywhere from $ XXXX. Deposit was taken but after I received a receipt saying to contact claims to make sure my deposit was accepted. I called claims and made a claim, just yesterday the funds they had put during the investigation were reversed and taken out of my account without notice. Now my account is negative. After calling last night the person whom I spoke to said that there was nothing she can do and the case was closed. I asked to speak to a supervisor and she said she was in a meeting and would return my call in an hour. Keep in mind I called at 10pm pacific time. I caked again and I was allowed to put in another claim, but it would take 5 business days and this time they would not put the funds in my account. I 'm negative in my account and now I have to wait again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrect information for my XXXX is different than all other credit reporting agencys they are also not reporting the cards that I am authorized to use please report!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian 's client, XXXX XXXX XXXX XXXX ( XXXX ). automatically labels complaints as duplicate without reading. Experian passess the buck to XXXX  without explanation.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$500.00} XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/XXXX, I received a report that a new account was opened in my name with Barclays Bank Delaware for a credit card that holds a balance of {$99.00}. The account was opened on XX/XX/XXXX by someone other than myself. I called Barclays and they have no record of an account in my name or belonging to my social security number. They instructed me to file this claim to rectify the situation.
Product: Credit card or prepaid card

My edd prepaid debit card was stolen in XXXX I called Bank of america to report stole the close that card and sen new one was supposed to have around XXXX on it I get the card it won't activate an they froze my acct and that canceled the claim I did everything to verify my identity they ufroze my acct and they keep denying my claimi sent police reports copy my driver lience and they still say no error and deny again there is much miscommunication difference story eventide I call to try and get my money back th act like it's a joke and tell me they rode my acct to protect me never hourning the zero liability could y help get my money back
Product: Debt collection

Application for XXXX credit card declined, pulled credit report and found there was 1 negative account on my credit report. After further investigation it was discovered that the negative account was my Kohl 's credit card. Contacted Kohl 's to find out what had happened and they stated it was due to a late bill that was never paid from XXXX. I was unaware of any remaining balances on account as a payment was made on XX/XX/XXXX. Ten years I have been a card member with Kohl 's and have never had a late payment. Due to XXXX XXXX, I have been inside my residence for the time being and have not received any statements or bills in the mail regarding money being owed. Per Kohl 's Collection Dept. a letter was sent to my address that was returned. My mail is delivered to a mail receptacle in my neighborhood and there has not been any mail deliveries or notifications left at my door. On Friday XX/XX/20, I requested manager of Debt collection call me as I do not feel it is my obligation to pay late fees when no statements where ever delivered to my mailing address. I was told someone would call back within 24 hours. I did not receive any calls, emails, or text notifications of them trying to reach out to me.