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

I am writing to formally express my concerns regarding Zelles handling of disputes. Specifically in the light of CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial insinuation and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds is impossible and that tracking these transactions was feasible. The cfpbs findings has shown that Zelle has not only failed to protect consumers but also allowed repeat offenders to abuse the system leaving us vulnerable to scams. I would like to be reimbursed for the following transactions.
Product: Credit reporting or other personal consumer reports

I didn't authorize the XXXX inquiry on my TransUnion report. The XXXX sales rep applied without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the reporting 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 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, For my student loans, The reporting of these account ( s ) are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device; Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

I demand theseaccount ( s ) be deleted from my consumer report immediately. Please send a copy of my updated report once complete.

For the other accounts : 12 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 an account without my written instructions. I did not give permission for these to be reported on my consumer reports.

15 U.S.C 1681c. ( a ) ( 5 ) 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 the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT. These have caused defamation of my character and extreme stress. 
Please send me an updated report upon completion of my request.
Product: Debt collection

Attached is a adverse action letter that could be a virus, I have need to apply for something at Westlake financial and need this removed of my record Adverse Action Notice Thank you for submitting your request for a pre-qualification! 

Based on the information provided, Westlake could not provide you with any pre-qualification options at this time. 

Please give us a call and one of our friendly Westlake representatives will be glad to help you. 

Attached is the letter explaining the reason why no pre-qualification options were available. Your password for the attachment is Date of Birth year e.g XXXX 

Contact Us on : XXXX Terms and Conditions This message was sent to XXXX as an information message This message was transmitted by : Westlake FinancialXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This email may contain privileged or confidential information. If you are not the intended recipient, notify us immediately at XXXX. 

Do not disclose the contents to another person. You can view our Privacy Policy online
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the reporting of the following accounts is in violation of my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.

Information supplied is inaccurate and incomplete. At times it even contradicts itself.
Product: Credit reporting, credit repair services, 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. 

XXXXXXXX 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 XXXXXXXX, 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 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

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX  Date of Inquiry XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I attempted to sign into my account. My username was not recognized. I requested that the username be forwarded to me. It was, and the username was the same username I had. I called and after a frustrating roundabout of automated questions I finally got a live person. She verified that I had the correct username and asked me to create a new username, which I did. I followed the emails she sent me to reset my password, but I still was unable to log in. She said my case would have to be escalated, and it would take 24-48 hours to receive a call back. I asked to speak to her supervisor. She said the supervisor would give me the same answer. I said I'd like to speak to the supervisor regardless. She put me on hold and then came back and tried to dissuade me from speaking to the supervisor by re-verifying my information, which I had already done with her. I asked her if it be better if I had her delete my account and then I could create a new account. She said that would be fine except that I would have to use a different email address. I said that would be no problem. She said she deleted my account. This is a short version of the call, which lasted 26 minutes. I hung up with her and then went ahead and attempted to create a new account as a new user. I tried twice with two different emails. Each time I received the following message : Oops, we're sorry! We have encountered an internal system error. Please note that your order has been canceled. Sorry about the convenience. Call us toll-free at XXXX. I tried to call that number twice and it was impossible to speak to a live person, and I was unable to resolve the issue. I am extremely upset that a credit bureau is so XXXX and anti-customer service. All I am attempting to do is have an account that will allow me to freeze and unfreeze my credit report per the request of my financial manager. My next step will be to contact XXXX XXXX in XXXX.
Product: Debt collection

I contacted Equifax numerous times during last 3 months to prove the rights of dispute this XXXX  collection amount. each time Equifax asking me to provide a CERTAIN documents, Once I provide all the documents they asked for, They still IGNORED and INSISTED to keep this FALSE collection in my credit. 

In the same time that I submitted just one document to XXXX, they Thankfully dispute this False collection Immediately. 

PLEASE DISPUTE This XXXX Collection RIGHT AWAY. 

Thanks
Product: Debt collection

I have contacted Portfolio Recovery Associates LLC about a debt from XXXX XXXXXXXX XXXX about a merchant debt that they say I owe to XXXX. It appears that this company Portfolio has purchased the debt but I have entered into no legal binding contractual agreement with them and they are harassing for {$XXXX} and I DO NOT OWE Them this. 
I have asked them several times to supply me the written SIGNED contractual agreement with them and XXXX showing my signature on any agreement and they WILL not or CAN NOT supply me with that. They simply send me copies of bills or statements and this does not constitute any kind of validation of this debt being mine. Statements and Bills do not show proof of ownership. They recently sent me a letter stating that I do not have a right to challenge their stance and that any written letter to them will be ignored and considered answered already. The burden of proof is on them to show that I am the legal owner of this account that they purchased. Unfortunately they are a 3rd part collection agency that purchase the debt from XXXX but that does not legally give them the right to try to collect from me as I HAVE NO CONTRACT with them. I am DEMANDING proof of ownership, and the only way to show that is to show my signature on an agreement between me and XXXX. SIMPLY sending me copies of bills or statements does not prove your position that the account is mine and that I owe this debt.
Product: Credit reporting or other personal consumer reports

This account is a certificate of indebtedness ; it is now considered income and income can not be reported on any credit report. nAME, accounT # xxx, has violated several of my rights as a consumer. Furthermore, the sale or sharing of my personal information to a thirdlparty collection agency without my explicit consent constitutes several violations of both the Privacy ct of 1974 ( 5 U.S.C. 552a ) ( b ) Conditions of Disclosure.-No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( XXXX ) to a consumer reporting agency in acordance with section XXXX ( XXXX ) of title XXXX. This also violates the XXXX XXXXt ( 15 U.S.C. 6801 ). Under the Privacy Act, federal agencies are prohibited fr om disclosing personal information without the individual 's consent, except under certai n circumstances, and under the XXXX XXXX, financial institutions are required to protect the privacy of consumers ' nonpubl ic personal information and limit disclosures to third parties without consent. Given that I did not autorize this disclosure or sale of this account, I am formally requesting imediate action to investigate this violation, cease further sharing of my information and to remove all unauthorized reporting related to this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrectly to XXXX  ; Experian and XXXX a collection in the amount of {$900.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and should be reporting a {$0.00} balance. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus  to remove this item however, I have not been successful.
Product: Debt collection

I have never rented a car from XXXXXXXX XXXX XXXX XXXX and I have never heard of, had a contract with, or did any business with Summit Account Resolution. I have never received anything regarding this debt as this debt isNOT mine! Remove it from my credit immediately!!!!
Product: Student loan

My loan was serviced through Navient. A few years ago I was trying to get onto a low payment play and take advantage of the Public Service Loan Forgiveness Program. I was told by Navient that the " graduated '' repayment plan that I was on qualified for that program and that after 10 years of payments the remainder of my loan could be forgiven. A month or so ago I called to check on something and was informed that in fact the plan I was on did not qualify, meaning that for the last 2 plus years I was making payments that were not qualifying for said plan.
Product: Credit reporting or other personal consumer reports

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid : XXXX XXXX XXXX {$660.00} XX/XX/year> In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 
I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act cXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 15U.S.C 1681.Section 602 A. States I have rights 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: Credit reporting, credit repair services, or other personal consumer reports

equifax and attorney genrals office continues to report inacurate information on my credit report. This is an effort to hurt and opprese me by destroying my credit score. Keeping me from good employment housing and jobs. the continue to violate federal law by reporting inaccurate information on payment history and allows the Attorney genral to move and change payment history to what they feel is correct. They have caught them several times reporting wrong info or jus flat out making it up but still allow them to report wrong information on my credit report. i need help.
Product: Debt collection

On XX/XX/XXXX, I followed a dispute with Schwartz Vays, they responded on XX/XX/XXXX as dated on their letter which I received XX/XX/XXXX. During this time while my dispute was ongoing, they continue to charge interest in fees which violates consumer financial protection bureau regulations. 

On XX/XX/XXXX I filed the second dispute disputing these interest in fee charges from the initial dispute, during this dispute they continue to add fees and interest during the dispute. 

I have now filed a third dispute with them, disputing all of the interest and fees that they have added, while the first and second disputes were open.
Product: Bank account or service

In XX/XX/2013, my ex-wife asked Capital One to withdrew money from my saving account to pay the mortgage from Capital One. 
It is my saving account and it is not a joint account. 
I did not understand why did the bank follow her instruction without informing me.
Product: Credit card or prepaid card

On XX/XX/XXXX, Citibank mailed via US Mail a solicitation that stated : " Effective XX/XX/XXXX, your APR has been lowered to 0.00 % for PURCHASES MADE THROUGH XX/XX/XXXX. '' It seemed too good to be true, but I thought Citibank was a reputable firm and believed it. 

Relying on their statement above, I made purchases that I likely would not have made had Citibank not represented that no interest would be charged on the purchases. 

On my statement dated XX/XX/XXXX, Citibank has already billed me for one day 's interest - {$20.00} - on PURCHASES MADE PRIOR TO XX/XX/XXXX, and it appears that they intend to bill me about $ XXXX/month for those purchases which were represented as interest free. 

Their offer contains other confusing language which didn't seem to have any impact on their statement " '' Effective XX/XX/XXXX, your APR has been lowered to 0.00 % for PURCHASES MADE THROUGH XX/XX/XXXX. '' Please cause them to reverse all accrued interest on charges made XXXX and cease billing interest for same. 

I hope you are doing ok during the COVID crisis. What a nightmare this is.
Product: Debt collection

I received a letter in XXXX saying I owed XXXX XXXX. After receiving letter, I attempted to login into my XXXX which was now locked out. I called XXXX who transferred me to a 3rd party collector American Coradius International LLC. After finally getting a hold of an agent with above mentioned company I asked what the debt was for, and she had no information just the amount and asked me to pay said amount. Since then, I haven't received any other correspondence in regard to said Debt, so I called XXXX again and they transferred me to the same company which gave me the same answer. Both times there was a language barrier as the collection agency seems to be a call center at this point, I'm not sure if it's a scam or if there's an actual debt to XXXX. I have a limit on my XXXX card and have received statements for from XXXX for my credit card and no showing of this debt. and without access to XXXX, I'm not sure what the XXXX is for or how i incurred this Debt and no way to dispute the debt either.
Product: Debt collection

I contacted XXXX XXXX XXXX XXXX about a payoff of the medical bill that I owed to XXXX XXXX XXXXXXXX XXXX. She gave me a verbal and a written letter as to the total if I paid it by such and such a date I mailed my payment in and it was 5 days late and they cashed the payment and agreed to the amount, but in the mean time placed a collection on all 3 credit bureaus, XXXX, XXXX, and XXXX that will now stay on for 2 years. NOT Fair and there is no law that says they have to report anything.

Since then they have not tried to contact me at all so the money was good to close the account but not to stick me with that on my credit.

This is affecting my chance to obtain a loan.

I want all references of this to be removed from my XXXX, XXXX, and XXXX credit file
Product: Debt collection

i had received a letter from a collection agency claiming to be a law firm to collect a debt that isnt mines from a gym membership that supposedly opened by me.i had never attended this gym XXXX XXXX XXXX because i live in florida.