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

On XX/XX/2019 Caine Weiner added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's credit did not verify this collection. also, there was NO written form of 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 mines. According to the FCRA, Caine Weiner has violated my rights as a consumer, and I am requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

: Method of Verification Highly Requested under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation Procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 
Please send the following information used to validate the validity of the invalidated items below : Account explanation 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

I became aware that XXXX XXXX XXXX reported an alleged debt of {$1200.00} from an alleged creditor XXXX. I have no knowlwedge or any contract and communication with XXXX XXXX, XXXX about this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to get in touch with XXXX  a number of times, and it seems like all of those attempts to even try to open up a case were fruitless. They said they would open up a case for me and that they'll let me know if the cases could be resolved or not, but they never followed up. According to my recent credit report request. There are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. VIOLATIONS OF CREDITORS & THE THREE CREDIT BUREAUS VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have inquiries on my report that do not belong to me and my identity may be Compromised. VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification. The following inquirie are a result of ( IDENTITY THEFT- ). 
This company I assure you did not have my permission or neither have they obtain my signature or valid drivers license to pull my credit. If so I would like for them to produce such documents in reference to this inquire pull on my personal credit. I AM REQUESTING FOR XXXX  TO REMOVE THE INQUIRY IF THEY CAN NOT PRODUCE PROOF TO WARRANT THE INQUIRY ON MY PERSONAL CREDIT FILE. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles 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. They informed me that recovering lost funds was impossible and tracking it was unfeasible. The CFPB findings indicate that zelle has not only neglected to protect consumers like myself but allow offenders to exploit the system.
Product: Credit card or prepaid card

I am absolutely APPALLED at the level of customer service I have received when I tried to book a flight home for the holidays using my points. I have spoken with Chase Travel and Chase Customer / Card support personnel ( through level 4 ) and no one was able to help me nor seemed to care of take responsibility. No one seemed to care about the customer nor gave me any options for me to use my points. There was no consistency with their responses. Personnel told me that I would get a call back in four hours, I did not receive one. Another personnel told me I'd get more points to compensate, I did not receive any. Extremely misleading. See personnel information below : 1. XXXX ( Chase Travel ) 2. XXXX ( Chase Travel Supervisor ) - XXXX 3. XXXX  ( Chase Travel Supervisor ) 4. XXXX ( Tier 4 Support ) - XXXX, XXXX 5. XXXX ( Account Supervisor - Chase Card Services ) - refused to give me identification number because of bad service 6. XXXX - refused to give me identification number because lack of accountability 7. XXXX ( Supervisor ) - XXXX  I have been on calls from XX/XX/XXXX each day for 2-3 hours each day. I've been passed on from person to person. It's extremely deceiving and it's absolutely a terrible customer service experience. I've been a member of Chase for years and I have been accumulating points for years with the assumption that I could use them. However, no one was able to help me use them and implied that they are essentially useless. 3 days. 3 DAYS! I've spent at least 6+ hours on the phone with no support. Please go and check the recordings of the calls for proof. I had multiple people on the line at the same time and no one wanted to take accountability. There is no one system of record as no two people understand my complaint number. Just an awful, awful AWFUL experience. This institution should not be allowed to deal with customers as they do not put them first. They make consumers deal with the problem even though it is an internal problem. I had to call back multiple times because I did not receive a call back. Not only do I have a large amount of points that I can't use, I also can't get home for the holidays. I will also be submitting a UDAAP complaint to the FDIC.
Product: Debt collection

Car was repossession was sold by XXXX XXXX.But they are trying to collect the total amount we owned before they got it.Also we file bankruptcy which has this amount they are still trying to collect by putting a lean on our property.
Product: Debt collection

I rented an apartment at XXXX XXXX XXXX in XXXX XXXX, California. The leasing agent, XXXX, who represented XXXX XXXX XXXX took {$800.00} of mine stating it was for XXXX cat fees of {$400.00} each cat and deposited it in her personal account as told to me by a detective in the XXXX XXXX Police Department. The eviction notice was also tampered with because my copy stated the day before the sherriff 's office copy resulting in loss of property. I contacted XXXX XXXX and they refused to respond. They sold this to Genesis Credit Management LLC and there is {$11.00}, XXXX that they state I owe for breaking the lease. I can gaurentee you that apartment was rented less than 1 week later.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX
Product: Mortgage

Pennymac Loan Services services my mortgage for XXXX XXXX XXXX, XXXX XXXX, FL XXXX ( loan number : XXXX ). I set up auto-pay features with Pennymac over the phone in XX/XX/XXXX. I identified what checking account I wanted Pennymac to withdrawal from for my monthly payments. For two months, ( XXXX and XX/XX/XXXX ), XXXX attempted to make withdrawals from an incorrect account. A Pennymac representative, during a follow-up conversation once the issue was identified, admitted that I had supplied the correct banking information on the XXXX call and that Pennymac was at fault. Both conversations were recorded with transcripts. It was noted that Pennymac made no effort to use any method of contact ( email, phone, mail, etc. ) listed on my account to inform me of this problem. Moreover, I offered to supply evidence of bank statements confirming that I had sufficient funds in the correct account. Unfortunately, Pennymac refuses to remedy the situation with the credit bureaus. Pennymac has only waived the late payment fees of {$73.00}. I subsequently have an erroneous late payment penalty that is significantly affecting my credit score and is incurring severe hardship on my financial situation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXX Amount : {$800.00} Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I asked for proof within thirty days or please delete this item off my credit report as soon as possible and No action was taken.
Product: Credit reporting

I have repeatedly disputed these inquiries with Experian, I set my dispute certified mail. Experian did n't respond within the 30 days which is a violation of the FCRA XXXX XXXX. The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offers b ) insurance c ) employment or d ) a court order. 

I did n't authorize any of these inquiries. I sent dispute letters to Experian and dispute letters to the furnisher and they never sent me a copy of my signature or a contract, these inquiries are still not deleted from my credit report. These inquiries are affecting my credit score. I attached a copy of the companies that pulled my credit, whom I did not give permission to do so. Please remove these inquiries from my credit report immediately.
Product: Payday loan

fees and payments were different than what they are deducting from my bank account ; additionally i have learned they are n't licensed or authorized to do business in VA ; also no instructions for stopping ACH transactions on statement ; terms and conditions or website.
Product: Credit card or prepaid card

Back in XX/XX/2020, I was approach to do a job as a XXXX XXXX. I check out the website and look legal. The company said that they would put money in my account so that I can purchase products they ask me to do during the task. On XX/XX/2020 Capital One credit my account {$3300.00}. With the money in my account and company said that no sales taxes will be charged. I went ahead and did the task on XX/XX/2020 which was to purchase {$3000.00} worth of Gift cards. Part of the task was to take picture of the gift cards and text them to the XXXX  company. We did the task as require of the company per their request. On XX/XX/2020 we found out that the gift cards were XXXX out and also Capital One took back the {$3300.00}. We did the task base upon Capital One deposit of XX/XX/2020. If there was a problem with the deposit they should have not deposit the funds in my account on XX/XX/2020.I talked with Capital One and keep being told they would call me back. I just received an statement saying we owe Capital One for this.
Product: Debt collection

Equifax mentioned that they investigated the information from XXXX XXXX that I disputed and the disputed information was verified as accurate. 

Dispute : I did not subscribe to XXXX. My demand requires you to investigate every claim of impropriety on my credit report. It includes : 1. Contact with alleged creditor ; 2. Request for signature exemplar ; 3. If none is produced, please remove the derogatory information ; 4. Remove all hard inquiries on my credit report if NO signature exemplar is provided. 

This is a final goodwill attempt to have you clear up my record. 

This is a formal notice that this account ( s ) are disputed. Please note that wrong information is a violation of FCRA & FDCPA. 

XXXX XXXX XXXX/XXXX XXXX XXXX ACCOUNT # : XXXX ; XXXX ; XXXX ; XXXX AMOUNTS : {$540.00} ; {$300.00} ; {$540.00} ; {$1300.00}. 
XXXX XXXX XXXX XXXXXXXX, XXXX, NC XXXX Remove these four credits information from my report. XXXX XXXX XXXX on Tel : ( XXXX ) XXXX was a billing company and a creditor mentioned by XXXX XXXX XXXX XXXX XXXX 
these accounts are not mine. It must be removed immediately. 

I need what was provided to you to show the medical bills are mine. why are you believing them over me. I am disputing and they said is mine medical bills, then show me proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance : {$300000.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$300000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$300000.00}
Product: Consumer Loan

Spring leaf/OneMain XX/XX/XXXX I filed a complaint with CFPB under XXXX. 

I found that there were more issues than I has originally realized. 
I have OVERPAID this account more than {$21000.00} I had been paying on this loan from on or about, XX/XX/XXXX - XX/XX/XXXX. That is almost 12 year. I have made many requests to get a copy of my complete financial report for that period, to calculate my exact OVERPAYMENT. *OneMain 's representative, XXXX , Executive Office of Customer Care , XXXX, advised in her response to my complaint with CFPB , " that I was on a recorded line. When I would not accept her offer, suggesting she needed to address my additional concerns, XXXX XXXX said she had to speak with her paralegal, before agreeing to give me my financial history. XXXX came back and advised that since I had not accepted her proposal, she would send it to CFPB along with her response to my complaint. Her letter dated XX/XX/XXXX, to CFPB, indicated there was an attachment. I spoke with CFPB, Agt XXXX XXXX, who advised no attachment was received. I had been asking XXXX for my " Account Transaction History '', since XX/XX/XXXX. Many promises have been made, but the history of what was done with my money was never sent by XXXX. 
Proof of advancements has not been provided XXXX stated, XX/XX/XXXX, that I had made XXXX additional " lines of credit '', increasing the loan almost an additional {$4000.00}. I requested that the proof of these advancements be provided. This would mean thatOneMain states it is showing {$14000.00} was loaned, including XXXX amounts {$490.00} and {$560.00} less than days apart. I would like to see the proof that these advancements were made by me. 
Despite the fact that I have regularly payed on this loan for almost 12 years, my balance with OneMain still shows it is almost {$9500.00}. According to XXXX, OneMain will allow me to continue paying, but with the interest rate reduced to XXXX. Further, OneMain says it will waive {$660.00} in late fees. This last files in the face of a statement from XXXX where she says, in her email to CFPB XX/XX/XXXX, ... '' However, your account has received consistent principal reduction since your payments were made timely. '' ... " and no late charges assessed to your account in the future. '' ( Same email XX/XX/XXXX ) How can OneMain refuse to give mean actual history of the money paid from XX/XX/XXXX to XX/XX/XXXX. I made my last payment to OneMain in XX/XX/XXXX after reviewing and calculating the status of the loan from my own records showing what I believe to be approximately {$21000.00}. If OneMain disputes this amount, then where is the account history.
Product: Checking or savings account

A Credit Karma savings account was opened without my authorization. I accidentally clicked a link and then a savings account was opened. No disclosure was made clear to me. When I attempted to close my Credit Karma account I was not able to close the credit monitoring account because the savings account was open. I was not aware that I had a savings account open so I contacted support and had it closed in XX/XX/2021. I tried again today to close my Credit Karma account but it was not able to be closed because the savings account exists, even though the savings account is still showing open.
Product: Money transfer, virtual currency, or money service

On XX/XX/23 I joined Chipper Cash ( hereafter referred to as " *CC '' ). It took a couple tries to get my acct verified, then I sent {$670.00} to my loved one in XXXX, XXXX XXXX, who I've been supporting for over 12 years. He received it immediately & used it. It hadn't been deducted from my bank acct a week later, so I emailed *CC. 
I've emailed them at least 25x ( with responses from 8-12 different names all on the same thread - some auto-generated & some actually written ). I've also called them 8-10x. The first time, a lady answered & got rather snippy w/me, but every other time a guy named 'Kano ' answers . ( He calls this 'an edge case '. ) I've also contacted my local bank branch 2-4x & the bank headquarters at least 3x. They tell me that *CC tried to access my SAVINGS acct ( vs CHECKING ), so I informed *CC of this - TWICE. The 2nd time, they emailed me right away & said it was fixed, so I tried again to 'load ' {$670.00} on the app, & it seemed to process. That was weeks ago, & it still hasn't been deducted from my bank acct altho it SHOWS that I added {$670.00} both times. 
I tried to 'stop payment ' thru my bank, but they CAN'T bc there's no record of *CC trying to take the money! I'm wondering, if *CC DOES become able to withdraw the payment, will they take it TWICE ( since the app shows that I added it two different times 2 months apart )?

It seems that, since I owe THEM money, THEY'D be anxious to GET IT, but they've treated me as if I'M trying to get money FROM them. 
So crazy!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/2021 hit my credit file on XXXX  6 times I been OPT out of financial and credit offers and opt out of all promotion offers. I have previous files every year i mail a letter and file OPT OUT. It seems a scam by XXXX XXXX XXXX that they would hit some one credit file 6 times on XX/XX/2021 with out there permission XXXX XXXX has all those address in different states
Product: Credit card or prepaid card

I received a promotion from CapitalOne for a zero-interest balance transfer to my CapitalOne card. On XX/XX/XXXX, I transferred {$4800.00} from a XXXX card to the CapitalOne card. CapitalOne shows the transfer in my account on their website. Notwithstanding the no-interest promotion come-on, on XX/XX/XXXX, my account was charged {$63.00} of interest. On XX/XX/XXXX, I spoke to " XXXX, i.d . # XXXX, in Virginia '' at XXXX, the phone number on the back of my CapitalOne card. She assured me that CapitalOne was aware of the problem and was fixing it. It has now been almost a month since that call and over two months since the balance transfer but the interest charge has not been reversed. I expect to have another interest charge assessed to my account on or about XX/XX/XXXX. I believe that if the company truly wanted to fix this problem, it could have done so already.
Product: Debt collection

On this date XX/XX/2022 AFNI open a collection. 

{$240.00} that I own I have never signed any written documents saying that I own this to the collector. 

They are violating my right of the FCRA as a consumer. 

I do not know who they are and I have not written consent from my end. 

Also, they not verified that I own this debit to this alleged company. 

Please have this removed from my all the three credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX  AND XXXX ARE REPORTING INACCURATE ACCOUNTS AND INFO THATS NOT MINE. 

Names : XXXX XXXX XXXX NOT MINE XXXX XXXX XXXX NOT MINE XXXX XXXX- NOT XXXX XXXX XXXX XXXX- NOT XXXX XXXX XXXX - NOT XXXX XXXX XXXX XXXX - NOT XXXX XXXX XXXX XXXX- NOT XXXX XXXX XXXX XXXX - NOT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX NOT XXXX XXXX XXXX XXXX XXXX, FL XXXX NOT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX NOT MINE XXXX XXXX XXXX NOT MINE ACCOUNTS : XXXX XXXX XXXX- NOT MINE XXXX XXXX XXXX XXXX XXXX NOT MINE XXXX - NOT MINE
Product: Debt collection

This is about trans union reporting that I have a derogatory remark on my credit score,  which has been paid for months. 
This is affecting my credit score. XXXX has posted the correct score for 4 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer Only XXXX have unauthorized inquiries present on my consumer report that originated from identity theft. 15 usc 1681c-2 states that consumer reporting agencies must block and remove inquiries related to identity theft. Unauthorized inquiries include : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX