23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX, I pulled a copy of my credit report and noticed Portfolio recovery reporting derogatory information about me. I have never done business with this company before and have no idea who they were, so after a couple months of research on the internet I realize I have been placed on my report in error by the credit reporting agency, so I sent a dispute to the credit reporting agencies in XX/XX/XXXX and they responded letting me know that portfolio said that the account belongs to me and it was reporting accurately. 

At this point I was really confuse, frustrated and angry. I spoke to an acquaintance of mine who told me that there is a law call the fair debt collections practices act and that every third party debt collector like Portfolio Recovery needs to verify the debt once I request verification. 

So on XX/XX/XXXX I sent a letter directly to Portfolio Recovery requesting verification of the debt. 

They responded on XX/XX/XXXX with a templated response along with 2 pages of a XXXX XXXX  statement. I do not know why they sent a XXXXXXXX XXXX statement and don't know where they got such a statement from with my name and address. I do not even every remember having an account with XXXX XXXX. As of time of me filing this complaint. Portfolio is still on the 3 major credit reporting agencies. At this point all Portfolio did was further add to my confusion, frustration and anger. They are causing me a lot of stress and XXXX
Product: Money transfer, virtual currency, or money service

In light of the recent CFPB lawsuit exposing the platform for its shortcomings and failure to protect its users, I am filing this complaint following the CFPB 's findings that Zelle has neglected to protect its customers while allowing repeat offenders to exploit the system. I have used Zelle numerous times over almost a decade, and am concerned that my financial institution and Zelle allowed for such manipulation. The lack of accountability and transparency is unacceptable and raises serious concerns to me, a longtime user, regarding my safety as a consumer.
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 has violated my rights. 
Account Number : XXXX Account Name : XXXX XXXX has violated my rights. 
Account Number : XXXX Account Name : XXXX XXXX has violated my rights. 
Account Number:XXXX 15 U.S.C 1681 section 602 A - The section that affirms my right to privacy and confidentiality.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States that no consumer reporting agency may make any consumer report containing the following information items. 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 accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX22 I noticed an alert from my XXXX app stating that someone applied for a Capital One Card of some sorts under my current profile. I have no knowledge of this application, nor have I applied myself. Please have this removed at once for I am attempting to purchase a home in the next few months, and I need to make sure my credit is at the most upstanding condition. Please let me know in the near future if there is anything I can do to assist in making sure this doesn't occur in the future. Under 15 U.S.C. 1666 a 2 I am informing you of a billing error and would like this to be removed as soon as possible so that i can avoid further damage to my reputation and credit history. Thank you.
Product: Credit reporting or other personal consumer reports

Accounts were sent up for dispute with my paperwork withother fraudulent accounts they removed some but left the other on now wan na make wait another 30 days I been waiting over 2 years getting the run around time after time of why I have to redo my dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting that I was late 120 day I was in deferment i should not be reported as late
Product: Payday loan, title loan, or personal loan

I applied for what I thought was a payday loan for {$1000.00}. I have paid already a little over {$1200.00} back. They take {$300.00} out of my check every two weeks. I called this morning to find out I still owe a little over {$1500.00}. They stated I signed up to pay over 20 payments of {$300.00} for a total of over {$6000.00}. It is XXXX percent loan. I would have never signed up for that. I also thought it was illegal to do so in Ohio. I needed a temporary loan to pay my rent. I thought today would have been my final payment. Now I see I owe more and have over 16 {$300.00} payments left. I did have them stop taking money out of my account going forward. This can't be legal. I have more than paid this loan back and now they may come after me for thousands of dollars during a pandemic. Is this legal? I also noticed I can't even get another loan. When you try to go back and apply it states they are no longer doing loans. Please help!!!
Product: Debt collection

This company keeps calling me to collect a debt that is no longer owed. Chapter XXXX was filed months ago and I should no longer be getting these phone calls. I have asked them to take me off the list and they just hang up on me.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XX/XX/2020, my Google Pay account was illegally accessed and used to transfer over {$1200.00} USD ( in two separate {$600.00} transactions ) using a XXXX  XXXX XXXX XXXX XXXX that was attached to my account to an anonymous google account that has now been deleted. ( Screenshots attached ).  Within 5 hours of these transactions ( I didn't receive a confirmation email until 10 DAYS later on XX/XX/2020, after which I suddenly in minutes got a decision ), I changed my password and informed Google Pay about the issue and filed for a case TWICE ( screenshots attached ). I also chatted with over 5 representatives that FALSELY claimed that my money was HELD and would be sent back to my bank account. However, with hardly any investigation, Google Pay  informed me that they can not issue a refund and that my money is no longer available and that the case was not decided in my favor. Just like that, in seconds I had lost {$1200.00}. I went ahead and filed a case with my bank on the issue, which yet again resulted in Google Pay getting back to me today AFTER 3 MONTHS on XX/XX/2020, that the transaction can not be reversed ( screenshot attached. ) The google account the money went to is now permanently deleted and can not be accessed. They couldn't even stop the hacker from withdrawing the funds. 

It is evident that Google Pay does not protect its dedicated consumers even though I've been using it for the past 4 years and IMMEDIATELY reported the issue. They are UNABLE to regulate their own payment platform even if the reported account has been reported for illegal activities.
Product: Credit reporting or other personal consumer reports

I am requesting the immediate removal of these unauthorized accounts from my credit report, as I neither opened them nor knew they existed. As per USC 1681g, please delete them within XXXX  days. I have included the necessary supporting documentation.
Product: Student loan

Around XX/XX/XXXX, I received a notification from XXXX XXXX that I had a student loan account that was reported as a delinquent. As a result of the information provided by XXXX XXXX, I was able to contact my federal student loan servicer ( Nelnet ) and let them know that I had received no prior communication from them, and was unaware that they would be servicing my federal loans. During our initial conversation, they even verified that they had my appropriate email address and phone number on file. At that time, I was notified by a Nelnet representative that I could consolidate my loans, which would bring the accounts current and that they would remove the negative report from my credit score. 
On today, XX/XX/XXXX, I applied for credit for a separate loan product with another company and received a notification that I was denied due to the delinquency still being reported on my credit report. I then called Nelnet, who informed me that the information that I was given by another one of their representatives was false. The representative I spoke to today, also initially claimed that she couldn't find in their records when someone would have told me this, which I believe to be a lie in an attempt to cover up the false information that I was given, as she later stated that I had previously spoke to four different people during the time of my initial complaint with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I had applied for a job to be a driver with XXXX and XXXX and on XX/XX/2018 the Company CHECKR disclosed information from 16 years ago. According to FRCA consumer reporting agencies are only allowed to disclose background check information from up to 7 years prior, Checkr violated this rule. As a result my application was denied by XXXX and is under review by XXXX. Checkr also reported false information saying I was convicted of XXXX XXXX when I was in fact convicted of XXXX XXXX   even after I corrected XXXX XXXX of Checkr and sent them proof they still continued to report this information.
Product: Credit card

Attention XXXX XXXX : I applied for an American Express Gold Card on XX/XX/2023, & was denied. Regardless of the reason for being denied, I have the right to credit. Im giving you SECURED INTEREST inside my estate ( Treasury ). My application is a SECURITY, which is SECURED by MY ( Social Security Number ). You are SECURED by going into business with me. Withholding access to my securities is security fraud. Youre violating the equal credit opportunity act & consumers credit protection act. This entire consumer transaction ( Credit Card Is For PERSONAL USE ) is predicated on my unlimited credit. 
( Title 15 Subsection : 1611 Faults & Misleading Denial Of My Own Credit ) Since you are denying me my own credit, please retract my application. Thank you! XXXX XXXX : Attorney In Fact For : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX ( per credit monitoring service ), I was notified of a collection account being place on my account in the amount of {$970.00} via Commonwealth Finance. As I researched this collection account that does not belong to me, it was discovered that this was the exact same account that had been removed multiple times previously ( process documented via bureaus in XXXX  CFPB in XXXX  ) due to being fictitious, inaccurate and the inability to verify the identity associated to this account. Not only does the account not belong and the fact that you are reporting inaccurate information on my consumer report, I did not receive ANY notice what so ever prior to reporting this to the consumer credit bureaus, both of which are in direct violation to my consumer rights and FCRA. More importantly, your reckless actions have caused a drop in my XXXX thus causing additional damage. I demand that you remove this account immediately! In the event that you do not remove this fictitious account upon demand, I will take all actions necessary to seek legal action and compensation for said damages which are documented. Your prompt attention to the correction and resolution to this matter is highly recommended.
Product: Prepaid card

I received an {$220.00} " American Express Virtual Reward Card '' and it said I could use it online or in store. I've tried XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX. It's either been declined ( I've tried significantly less charges than funds available ) or the stores have rejected it because it's not a physical card. I am completely unable to spend the funds on the card. I am beyond frustrated at the lies, it's basically been worthless to me. When I tried calling, I couldn't get anyone to pick up
Product: Credit reporting or other personal consumer reports

To : CFPB, XXXX, XXXX, XXXX ; TDRCS XXXX XXXX XXXX; I am submitting this formal dispute regarding the inaccurate and inconsistent reporting of my TDRCS/XXXX XXXX  account ( Acct # XXXX ) across all three major credit bureaus. The discrepancies are as follows : XXXX and XXXX report a balance of {$910.00}, while XXXX continues to report an outdated charge-off balance of {$5900.00}. 
This account was settled for {$3000.00} in XX/XX/year>, yet no accurate updates have been made across the credit bureaus. 
I have not received the required IRS 1099-C form for the forgiven portion of the debt, raising further compliance concerns. 
Despite multiple attempts to resolve this matter with both the original creditor and the credit bureaus, the account remains inaccurately reported, in violation of the Fair Credit Reporting Act ( FCRA ) : Section 623 ( 15 U.S.C. 1681s-2 ) : Obligates furnishers of information to ensure accuracy and completeness when reporting to credit bureaus. 
Section 611 ( 15 U.S.C. 1681i ) : Requires credit reporting agencies to investigate and correct disputed information promptly. 
Additionally, the Consumer Financial Protection Bureau ( CFPB ) recently took enforcement action against TD Bank, N.A., which owns TD RCS, for similar violations. In XX/XX/scrub>XXXX XXXX the CFPB cited TD Bank for repeatedly furnishing inaccurate consumer information to credit bureaus, failing to correct errors, and neglecting reasonable investigations into disputes. The CFPB ordered TD Bank to pay {$7.00} XXXX in restitution and a {$20.00} XXXX civil money penalty. This case highlights systemic issues with TD Banks reporting practices and further supports my request for the removal of this inaccurate information. 

Supporting Evidence I have attached documentation that demonstrates : The discrepancies in reported balances and account statuses across XXXX, XXXX, and XXXX. 
Proof of the settlement payment made in XX/XX/year> for {$3000.00}. 
Screenshots of the conflicting information, including incorrect reporting dates and balances.
Product: Debt collection

I checked my credit report a few months ago and saw this account on my reports. It is not mine, I am a victim of identity theft. I have filed a police report and trying to get these matters handled. I need this account removed from my name and my reports immediately. This is my final attempt at a peaceful mediation. 

The account number is XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration with the persistent presence of fraudulent items on my credit report, despite multiple attempts on my part to rectify this issue. I have been diligently working to address these inaccuracies for an extended period, and the lack of resolution has had a detrimental impact on my financial standing. 

Despite my numerous attempts to address this issue with your agency, the fraudulent items persist. I have engaged in written correspondence, submitted supporting documentation, and made phone calls in an effort to resolve this matter, yet the inaccuracies endure. 

Enclosed with this letter, please find additional supporting documentation reiterating the fraudulent nature of the items in question. I have attached : I request that your agency undertakes an immediate and comprehensive investigation into the fraudulent items listed. The continued presence of this inaccurate information is causing substantial harm to my financial well-being, and I insist on prompt corrective action. 

If a resolution is not achieved within a reasonable timeframe, I am prepared to escalate this complaint to relevant regulatory bodies, including the Consumer Financial Protection Bureau ( CFPB ). 

Conduct a thorough investigation into the fraudulent items outlined. 
Remove the inaccuracies promptly and update my credit report accordingly. 
Provide written confirmation of the resolution and the actions taken. I am asking for your assistance to remove these fraudulent items in my credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 trust this letter finds you in good health. I am writing to bring to your immediate attention a critical matter involving the unauthorized disclosure of my credit information. 
As an individual deeply impacted by my upbringing and surrounding environment, the protection of my personal data holds paramount importance. My unique circumstances have instilled in me a profound awareness of privacy and the crucial necessity for consent in the sharing of sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned. 
It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information. 

Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court. 
I urgently request that XXXX conducts a thorough investigation into this matter to address the FCRA violations promptly. As a consumer, I am well-versed in my rights under the FCRA, and I trust that XXXX will take the necessary measures to rectify this situation in compliance with the law.I have taken the necessary steps to report this breach of the FCRA to the Consumer Financial Protection Bureau , the Attorney Generals Office , the XXXX XXXX XXXX XXXX and the Federal Trade Commission XXXX This escalation is aimed at ensuring comprehensive resolution and to prevent further misuse of my personal information. It is my hope that by involving these regulatory bodies, we can facilitate adherence to legal standards and protect the rights of consumers like myself. 
Your immediate attention to this matter is required. Failure to comply with the demands outlined in this letter will compel me to pursue all available legal remedies to protect my interests and ensure compliance with the FCRA. 

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 removed ( XXXX ) XXXX REMOVED ( XXXX  ) WHICH MAKES TRANSUNION INFORMATION ABOUT ( XXXX  ) INACCURATE ALL 3 MAJOR CREDIT REPORTING AGENCIES ARE TO MATCH % 100 INFORMATION OR TO BE DELETED AS INACCURATE ACCOUNTS!!!!!!! 
15 USC 1681 A. B, C!!!!!!! 
CONSUMER FEDERAL PROTECTION SERVICES AND THE FAIR CREDIT REPORTING ACT!!!!
Product: Credit card or prepaid card

I am Recently under Pandemic Unemployment Assistance. I been on this program since the year XXXX looking to close the account in XXXX. The account has been open and remains open with holding payments for no cause or reason. There is no issues on my end but the biggest and main issue is who filed this claim. I was working with XXXX XXXX in the beginning of the pandemic so i would not and should not have filed not having a clue of PUA. I have sent UI messages to the uifraud department with no real investigation. Lowes LLC is attached. All my proof is tied to Maryland Civil Commission Rights & DOJXXXX  All accessible through Email. I also have Ebt phishing as well.
Product: Consumer Loan

Santander Consumer USA, XXXX Texas gave me a loan to purchase a car.. With this I am grateful. Because it was a very high interest loan with a daily simple interest rate which is calulated daily. After speaking to my account, he advised me I would save allot of money if I would to pay off my loan early buy paying it weekly. XXXX advise me to send my payments to a XXXX XXXX in XXXX Texas, which is the USPS XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas ( this post office is open XXXX hours per day XXXX Now I live in the XXXX which takes one day or the same day to get mail to Santander Consumer USA XXXX Texas. I have called the company requesting that my payments are posted the day it is received in their XXXX this company has refused. I have been told on a recorded line that they use a 3rd Party to pick up the mail, and the 3rd Party does not Pick up the mail everyday. As a customer this means to me, the XXXX XXXX we must use has staying power for this company to post my payment as they see fit. This information has also been verified with the USPS XXXX must signed for all the mail pickup and they do not pick up everday. Santander/XXXX add addititional daily interest even after they know they have and willingly deceiving me. When I called the complaint department ( the office of the president ) I 'm told nothing by this department, what I want is the Santander Consumer USAXXXX to go back and give credit for the times they delayed my payments to collect additional interested. This company also said they do not work on Saturdays and no payments are posted. One of my payments were posted on a Saturday which had been at the post office prior to Saturday, and they would not change it. 
On XX/XX/XXXX SantanderXXXX received my payment. I was given credit for the XXXX because the company picked it up on the XXXX of XX/XX/XXXX this is just a few examples. I would like my bill corrected and the daily interest corrected. Now because they have proven to me that they do work on Saturday, all my electronic payments sent on Friday should be posted for Saturday. It is from the time they received my payments, not when This company picks up my payments and post them. I do have proof from the Post office and even my bank showing when my payments are sent.
Product: Credit reporting or other personal consumer reports

There is some old credit report are close on my report would like for them be take off of my credit report like XXXX that is close as of XX/XX/XXXX, XXXX XXXX as of paid XXXX, Also XXXX XXXX  that is close paid XXXXXXXX XXXX is closed XXXX, XXXX XXXX. XXXX XXXX XXXX There a few that need take off my credit report I didn't Authorization that be put on my credit report Also can you take off those old address need to come XXXX well XXXX XXXXXXXX there are XXXX of them need help with.