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

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, # # # # # # # # # # # # # # XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. Startes 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 instutions
Product: Vehicle loan or lease

Santander Consumer USA Inc not only allowed someone else to obtain an auto loan in my name, but they REFUSE to cooperate with law enforcement or the FTC to remove the fraudulent account from my report. They are rude to me every time I call them, and one of their " fraud specialists '' told me that it was probably my fault that my identity was stolen, because people leave their wallets laying around all the time. They have made absolutely no effort to help me resolve this, all they do is lie and scam. They just agreed to pay {>= $1,000,000} in a lawsuit for subprime lending and shady lending practices. I think it's time they answer for letting people fraudulently open auto loans in other people 's names and refusing to co-operate with the law and FTC to get the accounts removed from the identity theft victim 's credit reports. Luckily, XXXX  has been great and removed the account, which is obviously fraudulent. XXXX  and XXXX  will not remove the account until Santander does their part.
Product: Debt collection

The incident happened on XX/XX/16. I was at XXXX XXXX in XXXX. XXXX XXXX XXXX XXXX has been trying to collect the amount of {$1000.00}, but I have already paid this amount to XXXX XXXX XXXX XXXX. I have the " paid in full '' receipt from them that says I paid {$1100.00}. I also have showed them my bank account that shows the money was taken out from my account. XXXX is the agency that will not allow this to be processed as paid. XXXX and XXXX   both took this off my record, so I do not understand why XXXX  won't. Now, I have a new debt collector called, Debt Recovery Solutions, trying to make me pay {$640.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX has violated my rights. 

15 US 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these account : XXXX XXXX XXXX XXXX XXXX, CA 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 or other personal consumer reports

Subject : Formal Complaint to Remove Late Payment from Credit Report I am writing in response to your recent communication dated XX/XX/year> regarding my previous dispute. Despite your assertion that everything is accurate, I must insist that the information in question remains incorrect, and there is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ).

FCRA Section 611 ( 15 U.S. Code 1681i ) As per Section 611 of the FCRA ( 15 U.S. Code 1681i ), I am exercising my right to dispute the accuracy of this information. I request that you investigate this matter and remove the incorrect late payment entry from my credit report.

FCRA Section 623 ( 15 U.S. Code 1681s-2 ) Additionally, according to Section 623 of the FCRA ( 15 U.S. Code 1681s-2 ), information furnishers are required to provide accurate information. The creditor, XXXX XXXX XXXX, has failed to meet this obligation by reporting a late payment that did not occur. Therefore, I request that you promptly contact XXXX XXXXXXXX XXXX  to verify this information and correct my credit report accordingly. 

It is your legal duty to verify this information with the original creditors and delete or correct any unverifiable information within the 30-day timeframe. However, since it has been over 30 days since my initial request and no corrections have been made, I am giving you a final deadline of 15 days to resolve this matter. Failure to respond appropriately will result in a formal complaint with the Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX Date of Incorrect Late Payment : XX/XX/year>
Product: Checking or savings account

Ive been banking with Dave App for over two years. Last month they rejected my paycheck direct deposit and never notified me. I made sure the deposit was not over their monthly deposit limits. It took me over a week to work it out and my payroll company accidentally resent the money a second time which Dave app randomly allowed. I changed my pay to only deposit 40 % of my check ( {$7200.00} ) to Dave app. Dave again returned my direct deposit. Ive contacted them by email over XXXX times and no response. Every time I call they say they will look into it and call me back but they never do. I plan on filing for arbitration and contacting my state rep if I dont hear from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account, 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Social number XXXX I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX {$680.00} Opened XXXX XXXX XXXX {$4700.00} Opened XX/XX/XXXX XXXX XXXX {$1600.00} Opened XX/XX/XXXX XXXX XXXX {$120.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$810.00} Opened XXXX, XXXX XXXX {$490.00} Opened XX/XX/XXXX XXXX XXXX {$880.00} Opened XXXX, XXXX, XXXX XXXX   XXXX XXXX {$0.00} Opened XX/XX/XXXX XXXX
Product: Debt collection

I have asked DCI Credit Services to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Debt collection

I was contacted by Weinberg Mediation Group with a recorded message insinuating that legal action was pending against me and that the " authorities '' in my " jurisdiction '' would be notified that I was uncooperative with efforts to resolve a " legal matter ''. The intent of the message was clearly intimidation and left the impressive that I would be in serious legal trouble if I did n't not make an immediate payment to this company that I had NEVER had any previous contact with. 

I made a call back to the number that called me and my spouse spoke to a woman who refused any information and stated she did not have to verify the debt, that it was my responsibility and when asked that they contact me only via USPS she disconnected the call.
Product: Vehicle loan or lease

I asked for help in how I could go about lowering my monthly car loan payment from XXXX a month due to hardship with my employer. In XXXX my employer, from full time to part time but unknown for how long. I pay my car on time but they say I dont qualify.
Product: Checking or savings account

I have an Ally Bank money market account which has check writing privileges. I wrote a check from my Ally account to my local bank in XXXX XXXX to pay off a loan. The amount of the check was in excess of $ XXXX. Today, XX/XX/XXXX, I received a letter from my local bank stating that Ally returned the check to them, with the reason being " Return to Maker ''. There was more than sufficient funds to cover the check. I've contacted Ally about why they did not honor the check. They have been unable to provide an explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all credit bureaus about fraud done on my account and they all corrected it except for Equifax. EQUIFAX recieved police report back in XXXX and dispute letters copy of my I'd and a bill. There are fraudulent accounts on my equifax report flex shopper, medical collections, and university of XXXX which is a collection. They are not mines I've been contacting equifax since XXXX of this year the companys have shown exquifax proof and equifax doesnt want to show me proof.
Product: Money transfer, virtual currency, or money service

To whom it may concern, In light of the CFPBs lawsuit against Zelle, I am filing this complaint to have a formal record of my issues with Zelle. I have used Zelle numerous times for monetary payments and have noticed discrepancies in the transactions. My financial institution and Zelle informed me that they would be unable to track and recover these funds for me. As the CFPB has found, Zelle has inadequately protected its users and failed to increase security measures to protect from further weaknesses in security. This has raised concerns for me regarding past transactions.
Product: Debt collection

They called me on XX/XX/2021 and I told them not to contact me. 

I ended up waiting online for a representative because a representative refused to put me on DNC list. 

I was contacted on XX/XX/XXXX and told the woman who contacted me that I was on the do not call list. 

Today on XX/XX/XXXX, I was called again. I was hung up on twice until the last woman I talked to claimed she placed me on the do not call list.
Product: Credit reporting or other personal consumer reports

Hello, I have reached out to the XXXX companies below about hard inquiries on my credit report from XX/XX/2024. I have also reached out to XXXX, and XXXX. I do not believe a proper investigation was done. I have tried calling the numbers from these companies the companies either do not answer or the call does not go through. I would like these hard inquiries removed as soon as possible. 

GM FINANCIAL- hard inquiries XXXX XXXX  - Hard inquiries GM FINANCIAL- hard inquiries
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), my rights have been violated : 1. Under 15 USC 1681 ( a ) ( 2 ) ( a ) ( i ), which states that a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment.

2. Pursuant to 15 USC 1681 section 604 ( a ) ( 2 ), which outlines the permissible purposes for which consumer reports can be furnished, any violation of these provisions constitutes a breach of my rights.

3. My rights have also been infringed upon under 15 USC 1666b, which specifies that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Therefore, any reporting of late payments on my credit report is inaccurate and should be rectified accordingly.

ACCOUNTS THAT NEED UPDATED XXXX XXXX XXXX XXXX
Product: Debt collection

Certegy is a company that authorizes transactions when a retailer accepts a personal check as payment from a customer. Certegy informed me on or about XX/XX/XXXX that 23 checks written in my name to several retail establishments in my local area. The checks were verified based on my driver 's license number. I did not write these checks, so somehow someone had gotten a copy of my driver 's license. Certegy provided me with the name of bank that the checks were supposedly written from. I do not have an account at that bank. I called the bank and they told me that the account number on the check did not exist, so the checks were fraudulent. I filed a report with my local police avidavid department. Now Certegy has required that I submit an affidavit containing personally identifiable information to prove the checks are fraudulent. Due to my common name I have been a victim of identity theft twice in the last six months, so I will not give up my PII. Because of this Certegy has threatened to hurt my credit rating unless I give them the information. Certegy 's check approval procedures are deficient and I should not be responsible for fixing there mistakes by providing information that may expose me to further identity theft.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 

Complaint Summary : I am submitting this complaint against [ Credit Bureau EXPERIAN regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 

On [ Date of Credit Report XX/XX/year>, I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX  Disputed Information : [ Describe inaccuracies, e.g., incorrect balance, wrong account status ] Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required time frame of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 

In my request, I emphasized that any unverifiable information should be removed from my credit report IMMEDIATELY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnisher of information are required to investigate and correct inaccurate information upon notice of a dispute. 

Additional Information : Attached documents : [ List any supporting documents you are including, e.g., copies of your dispute letters.
Product: Checking or savings account

My account got hacked on XX/XX/XXXX. Though the funds were returned, my access to my account was terminated. I have tried to work with Chime for over 2 weeks I am getting nowhere with Chime on restoring my access, so I have been unable to gain access to my funds. I dropped my direct deposit so they can not get anymore from me. BUT as it sits they have a lock on almost {$1500.00} that I can't get back. My attempts to work with this company to resolve this have met with being lied to and constant disconnections. I had at least 10 conversations dropped yesterday alone. What this company is doing should be illegal on some level. I am hoping you cam help.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of [ specific item, e.g., bankruptcy ] on my credit reports with Experian, XXXX XXXX XXXX as reported under XXXX XXXX XXXX It has come to my attention that this information is being reported inaccurately and is in violation of the Fair Credit Reporting Act ( FCRA ) code 611 ( 15 U.S.C code 1681I ).

As per FCRA code 611, any information that does not comply with the accuracy requirements must be promptly deleted from all credit bureau records. Therefore, I request that you investigate this matter and delete the inaccurate information from my credit reports with Experian, XXXX, and XXXX. 

I kindly request that you review this dispute and work with Experian, XXXX, and XXXX to delete the inaccurate information from my credit reports as soon as possible. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFBP For the past ten months I've been trying to dispute with Equifax unverified items on my credit report. according to section 609 ( a ) ( 1 ) ( A ) credit bureaus are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts they have post on a credit report. otherwise, anyone paying for does reporting services could fax, mail or email in a fraudulent account. 

it's my right to see verifiable proof ( an original consumer contract with my signature on it ) they have on file of the account listed below. they failure to positively verify these accounts has hurt my ability to obtain credit. UNDER FCRA, uncertified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the account listed below. 

XX/XX/XXXX {$600.00} XXXX XXXX XXXX XX/XX/XXXX {$2200.00} XXXX XXXX   XX/XX/XXXX {$560.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Caine & Weiner # XXXX is in violation of my 30 day right to dispute. They added an item to my credit without any warning or proof of the item being mine. This should not be on my credit.
Product: Bank account or service

I regularly use Chase Bank 's ATM and Branch deposit services but today I decided to try out their Chase Mobile phone app to deposit a check. With all three services the wording is nearly identical on any disclaimers. Essentially " deposit by the cutoff time and your deposit will be processed that day. Funds will be made available within 24 hours. Any holds placed on the account can affect funds availability. '' With both ATM and XXXX deposits, courtesy funds are made available to the account until the checking funds come through. This is not mentioned anywhere on the deposit slips but has happened every time I have ever deposited via ATM or Branch over the course of several years. There is nothing to indicated when depositing a check through Mobile that it is different from ATM and Branch deposits and courtesy funds are NOT made available. In addition, if you should decide ( say because you are mad about the deception around courtesy funds ) to cancel the deposit, you 'll then learn that you can not cancel deposits placed via Mobile. Again nothing prior to placing the deposit via Mobile mentions these sharp differences between Mobile and ATM or Branch deposits. ( No courtesy funds, no ability to cancel deposits ). The only advice I received from speaking to Chase reps was to essentially present the check at another bank with faster processing which would then force cancel the Mobile deposit as a 2nd presentation. I feel there should be specific wording clarifying the differences between Chase Mobile Deposits and their ATM & Branch deposits. Namely that courtesy funds will NOT be available and it is NOT possible to cancel a deposit once initiated.
Product: Debt collection

" FIRST NOTICE FOR AFFIDAVIT OF DEBT DENIAL. '' Fact, I so invoke nunc pro tunc, specified remedy under 15 U.S. Code 1692 ( c ) ( 2 ) and declare that the natural person, consumer in fact, original creditor, and I furthermore appoint XXXX XXXX XXXX, of Convergent Outsourcing, Inc. to quash all alleged, indirect, unverified debt, and set off, charge off and charge back all verified debt by herein extension of credit, so be it.

The Fair Debt Collection Practice ( FDCPA ) states that the debt collector is mandated to cease all collection activity when verification is requested. Verification is defined as : confirmation of correct truth, or authenticity by affidavit or deposition.

15 U.S. Code 1692c ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

This company is in violation and performing an infringement upon a consumer 's right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a 1099 contractor with XXXX from XX/XX/XXXX until XX/XX/XXXX. In order to qualify to work with XXXX I was required to take and pass a background check and motor vehicle report check. My background check result did not change and was the same from the date of approval until XX/XX/XXXX. Meaning, no additional charges was added or dropped from my report. After speaking with numerous amounts of customer care representatives both at XXXX and Checkr in XX/XX/XXXX and XX/XX/XXXX, I discovered I was discriminated against. I was informed I was ineligible for hire due to my background check results. Zero or none of the charges pending under the First Offender 's Act law was subject to the " disqualify a person in any employment application as provided in O.C.G.A. 42-8-63-1 ''. In other words the charges against me were not of a XXXX, child/elderly abuse offense, or to become a peace officer nature. Review the attached First Offender Act Clause provided to me by my Attorney in XXXXXXXX XXXX.My name at the time of the complaint and additional information is as follows : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Last 4 digits of SSN XXXX. The issue regarded a criminal history background check result to continue working as a 1099 contractor for XXXX XXXX around XXXX and XX/XX/XXXX. Email addresses XXXX and XXXX XXXX
Product: Student loan

I was on a XXXX driven repayment plan with Nelnet student loans and all of a sudden my payments stopped and it says the next is not due till XXXX. This is not correct and I have not authorized this. I need to be on the plan that I set up because I am in the middle of purchasing a home build loan and this needs to reflect what I authorized. I have been trying to contact Nelnet for weeks. Today I was on hold for over XXXX hours with no answers. I visited their facebook page and thousands of people are dealing with the same issue. I need to know what happened to my account and how can I get it back to the income driven repayment plan that I set up. Nelnet is not answering or complying with federal laws.