23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

/XX/XX/XXXXXXXX XXXX for the past several years has continued to pop up on my credit report. Every time I remind them that the original creditor XXXX XXXX XXXX XXXX found this account to have been fraudulenty opened in my name in a state I was not residing in at the time using my information via the internet and phone. I have been the victim of identity theft years ago. Convergent knows this a will pop on my report several times in the last several years and when I dispute the fraudulent account, they find its fraudlent from XXXX and delete. Then 6 months to a year later they try and collect again on a known fraudulent account hoping I will not dispute and they can make money ( so I've been told by one representative on XX/XX/XXXX. They are predatory. I have no outstanding bad debt and a good credit score, despite this fly by night operation popping up every 6 months to a year violating the FCRA and FDCPA laws about collections and reporting by being harrassing, providing false and intimidating talk and information relative to a known fraudulent account and attempting to collect on an already deemed fraudulent account. I have proof of them violating at least 6 different federal collections laws over the years. Friday, XX/XX/XXXX, without a call or mail to where I have lived and continue to live in Virginia ( not Florida ), they inserted on my credit reports. Laws state that a consumer must be served a dunning letter that state the alleged original creditor, amount alleged to be owed, the alleged date of oncurrance of alleged debt along with a required statement by law that identifies them as a debt collection company and the rights of the consumers. This never happens with this company. A true violation of consumer protections and rights. I pay all my bills monthly. I simply will not be harassed by this company by holding my good credit hostage in an attempt to extort money. I was told on XX/XX/XXXX by XXXX at XXXX XXXX via phone that I should " just pay the XXXX dollar bill '' even though it wasn't mine because he " can do whatever he wants to get me to pay ''. I record and document my phone conversations with this company and file them away. It seems this company has a difficult time owning up to what constitutes " good business ethics and preactices ''. Please help.
Product: Credit reporting or other personal consumer reports

I recently noticed a hard inquiry on my credit report from XXXX, XXXX and Experian. 

This inquiry was from XXXX ( XXXX XXXX ) on XX/XX/2023. I did not authorize the hard pull of my credit, nor do I recognize the name of the company. I only requested that XXXX XXXX XXXX XXXX be used for the purpose of my loan, which I was already a customer at XXXX XXXX XXXX XXXX. 

Please have this inquiry removed because it was UNAUTHORIZED and the ONLY authorization should be XXXX XXXX XXXX XXXX, as that is where I belong, and that is where I secured the loan.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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

XXXX XXXX has violated According to 15 USC 680 ( 2 ) ( B ) A financial institution may not disclose nonpublic personal information to a non affiliated third party unless A suchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted which means all of the following accounts has nothing to do with XXXX XXXX and XXXX XXXX  which make them non affiliated which means I as the consumer must have XXXX disclosure agreements before any of my personal information could be given to any non affiliated and I must agree to it also according to 18 USC 1515 ( B ) ( 3 ) this is considered intentionally omitting information from a statement and thereby causing a portion of such statement to be misleading, or intentionally concealing a material fact, and thereby creating a false impression by such statement ; which means you saying you're not disclosing my personal information to non affiliates
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting, Act XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX, has violated my constitutional rights. 

15.U.S.C. 1681 section 602A ( States ) I have the right to my privacy.

15.U.S.C. 1681 section 604A section 2 : it also states a consumer reporting agency, can not furnish my account without my written instructions.
Product: Debt or credit management

Reached out to the company because I was charged upfront fees they didn't do what they said as it pertains to cleaning my credit & I reached out XX/XX/year> they sent an email saying my case was closed. I'm so confused how this big companies can just take advantage of people & only a select few get compensation.
Product: Checking or savings account

I notice transaction on my wells from cashapp from someones cash app account. I also changed my phone number so there transactions I didnt even commit from XXXX to XXXX
Product: Vehicle loan or lease

The company removed charges but didn't remove late payments. The charges should never have been there from beginning. During whole lease never missed XXXX payment. After car was turned in they came with a bogus charge.
Product: Checking or savings account

The week of XX/XX/XXXX, I received an electronic deposit of about {$33000.00} from the SBA Economic Injury Disaster Loan program ( EILP ). 

On or around XX/XX/XXXX, my debit card was declined at a gas station and then a grocery store. Upon calling Chase to report the matter, I was informed that my account had been frozen because of the SBA loan and that since the loan was for a business, I needed to provide the bank with an EIN. I explained that I am an XXXX driver, that in the state of California, XXXX drivers are classified as independent contractors, and that I operate as a sole proprietor and use my social security number for tax filings and other business purposes. However, my explanation was not accepted, and they persisted in their demand. 

I reached out to Chase Executive Office and spoke to " XXXX XXXX '' to see if they could expedite a resolution of the matter, but they never got back to me. I also went to a local branch to try to close my account, but I was told that Chase fraud/loss prevention would close the account in 10 days and mail me a check for my checking/savings balances. I subsequently called the fraud/loss prevention number myself, and they confirmed what I was told at the branch. 

However, upon calling the fraud/loss prevention number again on XX/XX/XXXX for a status update, I was told by XXXX that my account was indeed pending closure but that they would keep my money and not send a check until I provided EIN documentation even though I had already told them several times that I am a sole proprietor and that I do not have, nor am I required to have an EIN, nor required to register as a sole proprietor with my secretary of state. 

Since XX/XX/XXXX, I have been blocked from accessing my account information and funds with no formal notice of explanation from Chase, including citation of any relevant constitutional provision or legal/regulatory statute ( s ) giving them the right and authority to withhold my money. Chase even caused debits to my account to bounce including my rent payment for XXXX because of the freeze/suspension. 

Chase is in clear violation of the Expedited Funds Availability Act ( EFAA ), and I request that the Office of the Comptroller of the Currency and CFPB order Chase Bank to close my account immediately and to have my checking and savings account balances and any and all applicable interest to which I am entitled paid to me by cashiers check and available for me to pick up along with a final statement at a local Chase Bank branch as soon as possible.
Product: Credit card

I am disputing the charge from XXXX XXXX XXXXXXXX XXXX XXXX on my account on XX/XX/2024 for {$1000.00}. I have not received the service from the merchant and all my attempts to try to contact the merchant have been unsuccessful. The merchant has not provided anything to substantiate this charge. I ask that you credit back this charge.
Product: Debt collection

Im upset that this Company has given me several different amounts they say I owe. Also they paid XXXX on this account monthly to start the Statute over and make it seem like I had been making these payments. Im upset that they would do that because I sent this car back in 2012 and hasnt made any payments since because the car I purchased was a total out vehicle. Ive explained this to XXXX and they refuse to look into it so that this account is removed from my credit report. They have reported 4 different amounts that I owe them and to think they would go to such links to try to solicit money from me that I dont owe.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


Account Name : XXXX XXXX XXXX Account Number : XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly a late payment in XXXX, XX/XX/2018on the XXXX XXXX account number XXXX. ( Please see page 2 from the credit report attached. ) This account was closed in XXXX, XX/XX/2018 and reports a {$0.00} balance due. This incorrect coding and falsely reporting a late payment on this account is harming my credit score. Please delete this item from my credit report and/or change the coding error.
Product: Debt collection

I got a promotion 0 interest for 12 months For XXXX XXXX. Through XXXX XXXX Wells Fargo ( XXXX ). My project started XX/XX/XXXX at XXXX and ive never missed a payment. I did a balance transfer through XXXX XXXX  XX/XX/XXXX my remaining balance was XXXX I made regular payment thinking it didn't go through. I went to bank and they said it went through. I call Wells Fargo they said they didn't receive gave me correct address. I gave my bank my statement I don't know how the address got goofed. Wells Fargo said I can open a claim till that payment goes through. today I called Wells Fargo and they said they can't removed the interest they can take XXXX off of the XXXX interest if I pay it today. They are not willing to do anything. they didn't charge me interest on what I owed first off. my account went from XXXX to XXXX. almost what I started out with from the start. That's crazy. Im getting scammed they are not willing to forgive anything. my bank says they can't do anything they will speak to someone higher up and get back to me. what can I do. I have proof that full payment was made. as soon as I found out I fixed it and they received that full payment today XX/XX/XXXX. Please help me. they charged interest of the full amount. what is the point of making on time payments. no one disclosed to me any of this information that it would be like this. please help
Product: Debt collection

Debt owed to  XXXX   XXXX   XXXX   XXXX  for {$120.00} was paid to  XXXX   XXXX   XXXX  on  4/04/17.  Received letter from  Southwest Credit d ated  4/06/17 for same account. Faxed payment information to Southwest Credit on 4/18/17. Received letter from Sou  thwest Credit  dated  4/25/17 stating they had received our dispute but we still owed the balance. Received phone call from Southwes  t Credit on 5/03/17 and was told they would continue collection action on this account.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

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 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: Debt collection

I do n't have the original receipt but in either mid-XX/XX/XXXX/early-XX/XX/XXXX, I purchased a couch from XXXX on XXXX XXXX in XXXX, IL. I originally used my bank 's debit card, in-store, transaction went through smoothly. Less than a week later, the couch went on sale ( {$20.00} reduction ) and was told they would adjust the purchase to the sale price since it was just a couple of days between the purchase and the sale. On XX/XX/XXXX, I received a fraud alert from my bank requesting that I authorize a department store charge in the amount of {$910.00}. It seemed odd because I had already paid in-store approximately a month prior. I checked my account online and saw that XXXX made the charge in store, reversed it and then charged my card again on XX/XX/XXXX. I authorized my bank to approve the charge. However on XX/XX/XXXX,  XXXX again charged {$910.00} triggering my bank to send another fraud alert. At this point, I was annoyed with XXXX dipping in and out of my account ( for the 3rd time ). I attempted to contact XXXX to send them a check for the payment to settle this entire thing. After much back and forth with that, I sent them a check which took them nearly 3 months to process. Fast forward toXX/XX/XXXX, XXXX is again calling and emailing me saying that I owe them {$910.00} for the couch I purchased 2 years ago. I have the cancelled check from my bank but my experience with XXXX unprofessionalism, and horrible accounting processing has completely put an end to me ever dealing with them again. By the way, I was told when I paid the full amount by check, they would process and adjust the price and refund me the difference to reflect the sales price ... never happened.
Product: Credit reporting or other personal consumer reports

Subject : Formal Demand for Clarification of Negative Reporting Deadline Dear XXXX XXXX XXXX, XXXX, XXXX, Experian This is a formal demand for information regarding my account. I require confirmation of the exact date by which you are legally permitted to report this account negatively on my credit file. As you are aware, continued reporting beyond the lawful period may constitute a violation of the Fair Credit Reporting Act ( FCRA ). 

Failure to provide this information promptly will leave me no choice but to explore all available legal remedies to protect my rights. I expect a written response with the requested details within 10 business days of receiving this letter. Portfolio recovery is being deceitful and not reported on credit file removal date. Assignment to collections does not restart XXXX  year reporting window. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
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. 
times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 
1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 

( NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Im trying to buy a house for my family and in the process of me buying a house when I pulled my report. I seen all these ridiculous false accounts on my report so, I sent certified letters to all 3 credit bureaus addressing the the accounts Im questioning. They are not accurate and thats not fair they putting this on my credit report and its hurting me. Im attaching all the letters I sent out and the return receipts and proof of my identity. i wrote these letters on XX/XX/2021.
Product: Debt collection

checked credit report, had new report of a debt with FRONTLINE ASSET STRATEGIES stating I owe over {$3000.00} for a debt with XXXX XXXX, I filed a complaint with the police, XXXX XXXX fraud deprt and the frontline reporting that this is not my debt. I have never had XXXX XXXX ( or an XXXX that was reported to be on the account ) i have never even stepped foot in a XXXX XXXX store but apparently an acct was opened in my name at a store, we have requested proof that this debt is mine, how did they verify my identity to open account and have gotten no response from XXXX XXXX or frontline asset