23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Reference # XXXX CREDIT MANAGEMENT LP ( Open date:XXXX ) NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT CREDIT MANAGEMENT LP I, XXXX XXXX , a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g . I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF ALL DOCUMENTS LISTED UNDER REGULATION F 1006.18 ( e ) PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease and desist all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 U.S. Code 6802 ( a ) Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize the aforementioned collection accounts as reported. The aforementioned collection accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned collection accounts are the result of identity theft and fraud.
Product: Debt collection

I am receiving multiple calls from this company on multiple occasions. I know they are allowed to call once a day and I have no problem with that except they never leave a voicemail.I have received a calls on many dates that I can provide call records for, these are the ones that stick out the most, XX/XX/2019 XXXX XXXX ( this one I answered and got no response on the other line ), XX/XX/2019 XXXX XXXX ( 3 separate calls at this time ). I called and asked why they were calling so much and was told, " sorry for the over calling '', -I asked they remove my number and the gentleman said ok and hung up. This is all from -phone # XXXX. I have read reports about them using multiple numbers but those numbers can not be found. I have a few numbers I have blocked. I don't know if they are related due to them never leaving a message.
Product: Mortgage

Please see the first XXXX attachment. All particulars are there. I have also attached exhibits to document all issues. 

Thank you very much XXXX XXXX
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 XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023 XXXX Date of Inquiry XX/XX/2023 XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXXXXXX XXXX Date of Inquiry XX/XX/2023 & XXXX Date of Inquiry XX/XX/2023.
Product: Credit card

Kickoff who was part of my XXXX XXXX XXXX filed XX/XX/year> and XXXX XX/XX/year>, keeps reporting its a charged off not Bankruptcy and keeps lowering my score the company said They removed nothing when they did and its illegal for them to do that. I on my 3rd round with disputes once it gets fixed then they report charged off again. I even included the bankruptcy documents to both the credit agency and the company. Please have them stop reporting charged off its been discharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute regarding an account listed on my credit report by Weltman Weinberg Reis. I stated that there was no Date of First Delinquency listed as required by federal law. I also stated that the estimated month and year this item will be removed : XX/XX/XXXX was incorrect. XXXX  claimed they verified the accuracy of the account. This is impossible as there is still no Date of First Delinquency listed, and the date of removal is incorrect. I am including evidence that shows the date of last payment on these accounts was XX/XX/XXXX. Therefore, the removal date should be 7 years later, XX/XX/XXXX. 

Included are two letters from the original creditor. The original creditor was XXXX  XXXX, XXXX and the loans were serviced by XXXX, both names appear on these letters. The letters show that both loans last payment was on XX/XX/XXXX. 

Additionally, when I wrote to the collection agency that currently appears to hold the debt ( Weltman Weinberg Reis ) and asked for verification of the debt. They sent documents Im also including. There is a printout titled Loan History Details that shows no payments made after XXXX. Then there is a document titled Post Default Payment Summary. This document shows payments of XXXX on XX/XX/XXXX for one account and on XX/XX/XXXX on the other account. This might be the dates they went to collection, but as shown no payments were made on those dates.
Product: Mortgage

After literally years of trying to get Bank of America to send documentation as to why and how I am bound to their terms, I received an interesting document from Seterus whom Bank of America turned my loan over to. Now to be very clear, Bank of America did not provide this document to me even though I have been asking for it for years but here 's the most interesting part, it is a 'Assignment of Mortgage ' document dated XXXX/XXXX/2016. I hope everyone sees the issue here, they have for years not only been harassing me and collecting money and everything else, but very clearly they had not done what was proper and there 's still parts to it that are not proper but I still have n't put the pieces together with this. The fact is that Bank of America has grossly mis-handled my loan and I have another document that XXXX has provided which I believe to be forgery but first, I would like an explanation from Bank of America on this document and that explanation should include why BoA did not file this previously and also why was I not provided a copy from BoA??? One very notable part of this is that my loan was transferred to Countrywide so I still do not believe that this document is valid or relevant in any way. Another thing is that this document was never recorded which perhaps is a clear indication BoA knows there is a problem with this document. One more addition is that the 'note ' that XXXX sent does not match the original mortgage note that was recorded for the loan so again, there is A LOT of suspect material at this point!
Product: Money transfer, virtual currency, or money service

I sent money to the wrong person on accident and Zelle couldnt do anything about this. This happen around XXXX
Product: Checking or savings account

Someone withdrew money at an atm in a completely different state and I figured because 15 minutes before I made a purchase in my hometown theyd just go ahead and approve the dispute but Ive been fighting with them to get anything besides automated responses its extremely negligent. You can not speak to a manager directly nor can you speak to the dispute team directly you have to contact them via email and then they respond within 24 hours and the responses are automated.
Product: Money transfer, virtual currency, or money service

Writing to express my concerns about Zelle 's ability to handle disputes and concerns brought forth. Even within situations where there were discrepancies during my transactions the failure to take me, the consumer, and show interest in trying to find relief or investigate the issues. Noting the fees were lost or untraceable. Nor recoverable. I use the services with three accounts and it shows Zelle neglect failed all their consumers.The CFPB brought to light that Zelle exploited their customers and left us vulnerable. Their nonchalantness gave off the image of lack of accountability. on XX/XX/year> a Zelle transaction coming from a family member who frequently sent them. That transaction was for {$1000.00}. But I received {$10.00}. After the family member showed me a screenshot, we both contacted our institutions in hopes of revering the funds. After several attempts and being transferred to the department that handles Zelle transactions, we were told it's nothing they can do.
Product: Checking or savings account

Someone stole or copied my Chime debit card information, made a duplicate copy, and made unauthorized transactions. Chimes investigation team has denied my disputes because they says there was no error. My last transaction was at XXXX XXXX XXXXXXXX in XXXXXXXX XXXX. Less than 20 minutes later someone made unauthorized transactions at a gas station, XXXX XXXX XXXX XXXX XXXX XXXXXXXX in XXXX, XXXX. When I seen the notifications appear on my phone that someone was actively stealing money from account I immediately locked my card, change, the password, and called Chimes fraud department, which is being tracked on the mobile app also. It is a proven fact that Chime members can not have more than one active debit card at once so therefore, I can not make a debit transaction in XXXX XXXX  and then drive to XXXX, XXXX in under 20 minutes and make another debit transaction because that would mean Im in two states at once. After I contacted Chime and reported fraudulent activity I contacted the merchants manager and they directed me to customer support. I have clearly been the victim of fraud, provided documents of receipts from the merchant that a card was swiped using my debit numbers, the merchants manager number, and followed the precautions after a customers card or banking info has been stolen and was still being denied. I filed over 5 claims and was denied each time and sometimes I was denied in minutes like an investigation hasnt even happened. Supervisors from Chime claim that their investigation team denied my claims because I didnt change my pin after I became aware of the unauthorized transactions which isnt accurate because I changed my password, locked my account, and reported fraudulent activity so all future unauthorized transactions were prevented. And not to mention my account was put in a negative balance afterwards so there was no need to change my pin when all of my funds were stolen already. Ive complained and expressed my frustration to at-least 7 supervisors and theyre all agreeing with me that I have evidently been a victim of fraud and they would try to investigate to see what is going on, and to try and see if I can get provisional credit but nothing. I get denied again. Below are the transactions, dates, and times : Date : XXXX XXXX  My last transaction : XXXX XXXX XXXX XXXX XXXX  ( {$22.00} ) XXXX Date : Monday, XX/XX/2024 Unauthorized transactions : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Amount : {$99.00} Time : XXXX Amount : {$45.00} Time : XXXX
Product: Credit card

Received XXXX texts from an XXXX XXXX XXXX asking to speak to me regarding " changes in my account. '' I that any changes to an account agreement has to be sent as a written notice. I also asked that he stop texting using the number he had used, as I had not consented to text messages. 

He replied that he would send the " changes '' in writing via email. 

I was expecting changes to the terms, however, what I got was a XXXX request to fill and signs forms for auto-pay. 

I imagine some people who don't read or feel flustered by this type of communication from a bank would just fill and sign the form without question. 

This is a PRESSURE tactic to have consumers agree to automatic debits from their accounts. This was not a requirement of the agreement to have a credit card with Bankers Health Group, and clearly is an underhanded attempt at having customers agree to a service they did not ask for or wanted in the first place. Of course, for those who sign without reading or knowing any better, the tactic allows BHG to say they did actually agree to direct debiting and have a signed document to prove it. I agreed to open this account because it was promoted by a professional organization I belong to - I regret having a business relationship with this company as this is not the first time they use pressure tactics to try to get me to agree to more of their products.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy 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 XXXXXX/XX/year>
Product: Credit card or prepaid card

YOU BROKE THE LAW!!!! 

Pursuant to Title 15 U.S.C 1691 ( d ) ( 6 ) Adverse action means a denial or revocation of credit, a change in terms of a existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested.

Under Section ECOA 701 ( d ) ( 6 ) Adverse action means a denial or revocation of credit, a change in terms of a existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. 

YOU CITIBANK BROKE THE LAW When you terminated the credit agreement between XXXX XXXX and CITIBANK.
Product: Debt collection

I recive a notification on my credit report stating that i owe a debt to debt XXXX XXXX XXXX for a blance of XXXX dollars i called the collection agency and ask for furture information concerning this debt i inform them that i had insurance at that time and was n't aware of this bill i ask for proof they sent me a email i told the rep i was not treated at that hospital by that dr and the debt was from XXXX past the XXXX yr i asked them to remove the debt from my credit i called the hospital billing who also could not verify the account as it was writen off their system instead the account was sent to a another collection agency comonwelath fianacal who also reported it as a current account so now i have multiple collectoin agency who are reporting information that should not be on my credit report when i ask for it to be remove they refused when ask for away to to dispute it she ignored me i asked to speak to a supervisor she hung up
Product: Credit reporting

Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by XXXX XXXX XXXX XXXX XXXX. Also, by Experian Credit Reporting Agency and XXXX XXXX XXXX does n't have the rights to collect debt in the State of Texas? They are not abiding by the Law accordingly to the State of Texas and they was suppose to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made Experian aware of this they have not done an accurate investigation on XXXX XXXX XXXX. So, I called XXXX XXXX for the Secretary of State Texas Debt Collections Division and found out that XXXX XXXX XXXX is breaking : " Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. Also, you can not operate in the State of Texas with a P.O. Box as a debt collector. I am in need of another Investigation to remove them from my credit report please.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX 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, credit repair services, or other personal consumer reports

These agencies have dinged my credit twice this year, once in XXXX ( XXXX  XXXX XXXX account closed ) by 11 points and again last month 6 ( credit card balance {$160.00} ). I have access to {$15000.00} in credit and pay off balances each month, how the XXXX can they justify lowering my credit 6 points just because of a balance increase, it was paid off entirely as always. Same month my mortgage was paid, but I never get a credit for that. XXXX  XXXX XXXX confirmed that my account had not been closed but the 11 points never came back on my score. They are all crooks, I would not be surprised if the banks were in on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following account completely from my Credit Reports : XXXX  XXXX XXXX XXXX Balance {$0.00} Opened Date XX/XX/2017 2017
Product: Checking or savings account

I had XXXX XXXX account. I would notify of frauds-bank would never process FRAUDS OR credit Frauds and XXXX XXXX closed my account by messenger at XXXX XXXX AT NIGHT.
Product: Credit card

Bank of America shared my information to nonaffiliated third parties without giving me the option to opt out or receiving my written consent.