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

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Convergent  XXXX ( XXXX  XXXX XXXX XXXX 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 1692 Section 805 A. States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the Consumer.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

15 U.S.C 1692 b ( 5 ) not use any language or symbol on the envelope or in the contents of any communication affected by the mail or telegram that indicates that the debt collector is in a debt collection business or the communication relates to the collection of a debt. 

15 U.S.C 1692 C ( A ) Without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt. 

On XXXX XXXX by Certified Mail I disputed inaccurate and unverified information on my XXXX XXXX XXXX consumer report from XXXX XXXX, XXXX XXXX  and XXXX XXXX. I have attached those correspondences below. XXXX XXXX XXXX responded by placing a block on the XXXX file due to Identity theft in which I included a police report. I then received a letter from Convergent attempting to collect on this alleged debt. XXXX XXXX XXXX sent a response regarding my dispute with XXXX XXXX  stating it was verified as accurate but they do not have access to account documentation therefore they were unable to provide any copies of documentation with my signature or how this information was verified to be able to report it on my consumer file. I requested information about who they spoke with at XXXX XXXX to verify the debt and they were unable to provide such information. 
According to the F.C.R.A Sections 609 ( a ) ( 1 ) ( a ) & Section 611 ( a ) ( 1 ) ( a ) it states that XXXX XXXX  signs has to provide copies of signed documentation and XXXX XXXX stated that they don't even have access. According to Section 611 ( a ) ( 1 ) ( A ) Method of Verification wasn't provided except for the fact that it was accurate and complete as of the date it was furnished to their database. XXXX XXXX didn't properly investigate this information so why are they reporting this information on my file. Lastly, XXXX XXXX didn't respond to my dispute regarding XXXX XXXX XXXX  at all. This letter was included with the other two dispute letter sent by Certified Mail as XXXX XXXX did say they received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

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  ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : [ need inquiry removed ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX
Product: Credit card

This is not the first time I have had issues with Chase services ( banking and credit card services ). On this occasion apparently both my credit card accounts were cancelled without my notice and despite calling no reason is provided and I am told I will have to wait for service letter. Can't they use the secure messages in the dashboard immediately? Isn't that what that is for? The Chase back office teams have also cancelled a number of my inbound account funding transfers from my external accounts causing payment processing delays, extra fees, and charges that I have had to absorb for vendors/suppliers I conduct affairs with. Customer service is rarely ever helpful and belittles me with no response, leaving me helpless and extremely frustrated and aggravated on numerous interactions with Chase.
Product: Credit card or prepaid card

A credit card was open with discover with someone trying to use my name. the name on the card is XXXX XXXX. I always go by XXXX XXXX XXXX XXXX. XXXX refuse to take this card of my credit file. The card was removed from my credit file in XX/XX/XXXX-XX/XX/XXXX. then suddenly appeared inXX/XX/XXXX. This card was open while I was in the hospital battling XXXX. I have spoken to Discover but they play games and give me the run around. The card was open online. plese have them remove this card from my credit file.
Product: Debt collection

I demand to see Verifiable Proof ( an original Consumer ContracXXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Mortgage

On XXXX XXXX XXXX I bought an apartment in Florida with a loan, we deposited USD XXXX to start the business. This process lasted approx. 4 months, from XXXX to XXXX. At no point did they tell us the interest rate, they only told us that it was the rate that was current on the day of closing. 
On the closing day ( XX/XX/ ) we consulted that the XXXX had the rate between 5.25 % and 5.50 %, but we were forced to sign the interest rate imposed by the bank A & D Mortgage LLC which was Annual Percentage Rate ( APR ) : 9.322 % and monthly Interest Rate 8.490 %, which does not correspond to the market rate on the day of closing, which we consider a hight rate for the credit acquired. 
For this reason we require advice from you for the reduction of the current market interest rate, since the bank did not agree to correct it in sustained communication with them by telephone. 
Thanks in advance for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

I sold some Litecoin cryptocurrency from Coinbase on XX/XX/2017 in the amount of {$1300.00} and had it transfer to my linked account for payout. money never reached my account. I sent a support email to the company and didn't get a response. I've sent probably 10+ emails and more recently XXXX @ coinbase to try to get them to help me. I have not gotten any help in this matter in almost 2 months now. my most recent case # for the email i sent today is XXXX. I noticed that all my other emails have been deleted from the support page within my account now. This company won't help at all. Their phone lines say they can not help with anything about money whether it be deposits or withdrawals.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received our computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2023 by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me-not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2023 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent two letters to Experian to have incorrect information verified and removed they refuse to acknowledge my request by sending letters stating I did not provide sufficient identification for them to verify my identity. I submitted with my request twice, life insurance documents, current bank statements and Valid driver license.
Product: Checking or savings account

The people answering my complaint still refuse to see it. My original account had been opened a year prior to this incident of XXXX XXXX falsely accusing her. Why was my first account being messed with in the first place? Wells fargo did a dirty and criminal thing against me and violated my civil rights. I never harassed XXXX XXXX. She violated our privacy rights by telling me that she made more money than I ever will and told me to take my XXXX XXXXXXXX son back in my home. They were both XXXX and XXXX screaming and cursing me out in front of my son. But lying saying I was saying it and how she came across the street and nearly assaulted me. I have a right to be upset at how my new account was closed after a short time of being open after I was forced to drive back and forth to the bank, so she would be there. The people at wells fargo ignores my side of the story I didn't even know she was even at the bank. How was I supposed to know that their head of security XXXX XXXX didn't bother to look at the security footage? This is all they want to do to me enrage me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Incorrect Addresses : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX Employer : XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX  Date Updated : XX/XX/XXXX
Product: Vehicle loan or lease

My son has a car loan with CARMAX. He's been in the hospital for the past several weeks and has fallen behind by XXXX days on his payments. Despite being in the XXXX XXXX XXXX together with my help we've managed to make some sort of payment toward the account. We've asked several times if we could defer the payment of the load by XXXX or XXXX payments long enough for him to get caught up. His problem is not financial, it's the fact he can't physically make the full payment on the account due to him being in the hospital and I can't make the full payment on his behalf because I am on a fixed income due to retirement. I have tries going into the local dealership where he purchased the vehicle with his debit card to make a payment, however, even with his verbal authorization o over the phone and written authorization the dealership has refused to allow me to make his payment on his behalf using my son 's debit card. I've tried to make payments over the phone, yet I run into the same problem. Everyone says how eager they are to help, yet we've gotten no help at all with this problem. His attorney has even written the company, yet no one has reached out to us. I've asked several times to discuss this with a manage, over the phone, however, no XXXX ever seems to be available. We're just asking for a XXXX or XXXX  day deferment. Long enough for us to catch the account up. Right now it remains XXXX days past due and is only accumulating late fees ever month as a result and a negative mark against my son 's credit. We just need to speak to someone about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$120.00} XXXX XXXX {$130.00} XXXX  XXXX {$1500.00} XXXX XXXX {$5100.00} XXXX XXXX {$150.00} XXXX XXXX  XXXX {$22000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX FKA XXXX XXXX {$1400.00} XXXX XXXX  XXXX {$260.00} XXXX  XXXX {$720.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
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. 
system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. 
I want the CFPB to
Product: Credit card

They charged me interest and fees after I paid my card in full. I should have never been charged anything after the account was paid in full on XX/XX/2023.

XX/XX/2023 I paid comenity express IN FULL {$140.00} XX/XX/2023 comenity express charged me interest of {$2.00} XX/XX/2023 comenity express charged me a late fee of {$2.00} XX/XX/2023 comenity express charged me a minimum interest charge of {$2.00} XX/XX/2023 comenity express charged me a minimum interest charge of {$2.00} XX/XX/2023 I paid {$9.00} and requested the company stop charging me interest and fees on a balance I paid off months ago.

XX/XX/23 Comenity express responded saying they could not waive fees.
Product: Checking or savings account

Deposited two checks and some cash at the same time through their ATM. I selected " receipt without check images ''. The machine froze for about 10 seconds, then said " transaction canceled '' but it did n't return anything to me. I immediately made a claim and they credited me roughly the amount I deposited XXXX {$1600.00} instead of {$1600.00} ). Now a month later, they 're saying they found one of the checks, but not the other and none of the cash. So.. if it was deposited all in a stack, but they ca n't physically find the cash, I believe someone pocketed it. They say they checked it twice and I 'm not entitled to money I did n't deposit ; Essentially telling me I 'm lying. I 'm having the paycheck reprinted, but someone walked out of there with my cash.
Product: Credit card or prepaid card

We purchased appliances and charged the balance of  XXXX .  XXXX  to newly opene d Sears  credit card, we paid the balance in full on  XXXX / XXXX / 2017 . However, the new balance of  XXXX .  XXXX  balance appeared with the reference of   XXXX   XXXX   XXXX   XXXX   XXXX  , which eventually changed to Laundry, Alterations, Gift Wrap, Other. When I asked for explanation or proof of any purchases, I was bounced from department to department ; nobody could provide any information but refused to reverse this unsubstantial charge. On- line service provided me with different explanations, as well.   On  XXXX  after asking for the proof multiple times, the  Sears  respond was : We received your recent inquiry regarding your account.   Thank you for contacting Cardmember Services regarding the charge posted to your account on  XXXX / XXXX / 2017 .   This transaction in the amount of {$100.00} appears to be a purchase for Laundry, Alterations, G ift Wrap, Other. ''
Product: Checking or savings account

XXXX XXXX XXXX XXXX Assets : XXXX XXXX XXXX, Chase IRA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, Chase Money Market, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 18 month Criminal Extortion Estate and Trust HOMEOWNERSHIP XXXX V. XXXX XXXX XXXX  XXXX XXXX XXXX OH XXXX Homeowners Association Deeded Lots Wife and Child XXXX XXXX XXXX Sister Tax Return V. 
XXXX XXXX XXXX, XXXX XXXX Chase Bank Employee, 3 Weeks XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Permanent Removal of Fraudulent Account Due to Identity Theft To Equifax Information Services LLC, I am writing to formally dispute a fraudulent account that has appeared on my credit report. I have been a victim of identity theft, and this account was opened without my authorization. Under the Fair Credit Reporting Act ( FCRA ), I am requesting the permanent removal of this fraudulent account from my credit file. 
Fraudulent Account Details : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  I have attached a copy of my FTC Identity Theft Report and a copy of my government-issued ID for verification. 

Please conduct an immediate investigation and remove this fraudulent account permanently from my credit report. I request written confirmation once the account has been removed. 

Thank you for your prompt attention to this matter. If you need any further information, please contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX XXXX Last Four : XXXX Attachments : Copy of FTC Identity Theft Report Copy of Government-Issued ID Copy of Credit Report Highlighting Fraudulent Account
Product: Money transfer, virtual currency, or money service

I work internationally as a XXXX in XXXX. My school provides us with a large bonus of {$7100.00} XXXX or {>= $1,000,000} XXXX, which is a significant amount of my salary in XXXX. The money was deposited into my XXXX bank account on XXXX, XXXX. I went to the bank with a representative of my school and a few other teachers to wire transfer the money to our USA bank accounts so we can use our money while home for the holidays. I performed the transfer at my bank in XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX ). I was informed during this time that my bank. XXXX XXXX XXXX, did not have a XXXX code so we would need to go through an intermediary bank, which was XXXX but that I should receive the money within the next 2 days in my account. Needless to say the money has not arrived into my account at XXXX. Currently I am home in Minnesota for the holidays, extremely stressed out and financially broke. The money was transferred to XXXX XXXX XXXX XXXX from XXXX to first convert the XXXX to XXXX, then XXXX XXXX XXXX XXXX to XXXX. XXXX has tracked the money to XXXX. The transfer has not been rejected or cancelled. I have called and also have personally visited both XXXX and XXXX. XXXX XXXX XXXX says that they are unable to do anything because they are only the receiving party but they did verify that the bank name, routing number, and my account number for XXXX was correct. I have personally visited XXXX which indicated that their swift code was correct and told me they can not help any further. I have called XXXX they have refused to do anything to help, stating that they can not verify me as authentic communication and they have not taken any action to look into this matter, even though I have identification when visiting a XXXX branch personally. I do not have an account with XXXX. XXXX says they can investigate but for a price, which I will initiate if necessary. XXXX is holding my money unethically and should process the transfer or reject it so it is sent back into my account in XXXX. XXXX is unjustly holding onto my money benefiting for the interest it is gaining. I am in extreme emotional distress. This is a significant portion of my salary, that I have been depending on, and its XXXX time. I really hope this situation can be solved very soon. I have the information and paperwork from the transfer available upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letters to XXXX, Transunion, and XXXX to investigate my accounts. It has been longer than 30 days. These consumer reporting agencies are in violation. 
According to 15 USC 1681i - XXXX, Transunion, and XXXX have 30 days to investigate and to send me the results. In addition, they failed to record the current status of the disputed information which is also a violation. 
Evidence attached. 
Thank you.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : 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