23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Comenity Bank, Victorias Secret, sold an apparent debt to XXXX XXXX XXXX. This company neglected to send the bill to the correct address over 7 billing cycles and received returned mail. I was never notified of the purchases on the account nor did they send a bill to the correct address if the purchases were made. 

XXXX XX/XX/2019 was the time the bills were consistently sent to the wrong address. 

I contacted Comenity Bank to inform them that I never shop at Victorias Secret and if I did I would have not spent the amount on {$480.00} I asked why they couldnt inform me of the account, purchases and dates of purchase and they couldnt not provide me with this information being they sold it to a debt collector. 

I would like to dispute the charges as it may be fraud.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Consumer Loan

In early XXXX 2015, I entered Compass Bank to do business. The counter agent solicited business. I was redirected to XXXX XXXX, XXXX Representative. XXXX XXXX attempted to increase my home equity line of credit ( HELOC ). In doing so, she opened both a checking account and credit card account. I strongly protested to both immediately. She advised that the checking account was a requirement of all " new '' HELOCs, which is what would occur if my limit is increased. I was not aware that the credit card account was not closed until I received a statement a few weeks later. 

In the meantime, I did not want to go through the changes the bank required to increase my HELOC. On XXXX XXXX, I advised XXXX XXXX I was no longer interested. At the same time, I instructed her to close the checking account ( and any other accounts ) opened in relation to this HELOC application. When I received statements, banking and credit, I realized that nothing had been done. I reached-out to XXXX XXXX on a couple of occasions with no luck. When I sent her an email inquiring about her availability to assist, she established contact. Unfortunately, she failed to follow through. She did not close either account and I have called customer service to do so. Today, a week later I find out that the checking account can not be closed via phone unless it is at a XXXX balance ( sounds crazy to me ). Last week, they told me that my balance would be returned less a service charge. I was unhappy to hear that I have to pay to close an account I never wanted. When I was advised that I HAD to open a checking account, the minimum amount required to open was {$25.00}. I have already lost {$3.00} due to the monthly service charge. 

We are over 60 days and I can not get this checking account closed, just confirmed credit card account closed XXXX XXXX per my request yet I can not get this checking account closed. I have spent a considerable amount of time with Compass Bank. This reminds me of a time, not long ago, when you entered a mobile phone company 's establishment to browse and would leave to realize later that your mobile provider had been changed. The term used then was " slamming. '' Even electric companies practice slamming. I feel like I have been slammed by Compass.
Product: Debt collection

This is a charge for XXXX equipment when I cancelled my service with them. I returned the equipment with the return receipt that they sent me to return it. I have attached the complete record of this. I have the label where it was shipped and a copy of the items there were shipped back, as well as the email authorizing the return. I have contacted XXXX XXXX XXXX and the collections people repeatedly about this but have not gotten any assistance. I do owe on a wireless bill too and will be paying that because I owe it but this, I do not owe!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see CFPB Compliant ID XXXX and my response : I did not get satisfaction nor were anyone from XXXX XXXX XXXX ever available to take my calls or to return them. I want the CFPB to see the response from XXXX XXXX XXXX and note under the bullet points, XXXX XXXX of XXXX XXXX XXXX states : " Your Chapter XXXX  statement of intent lists XXXX as 'retain and pay ' ''. I did this and I paid off the carload early which should have been reported to all the credit bureaus. I was never late in paying off the loan and in fact, paid it off months early. If I had not paid it off, XXXX would have repossessed the car. The fact that I told them I was keeping it and acknowledged the debt by paying for it ahead of the the XXXX  month requirement is evidence enough that I should have a positive report off this on my credit report and I ask that the CFPB INSIST AND REQUIRE XXXX TO LIST THIS POSITIVE CAR PAYOFF ON MY CREDIT REPORTS.
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. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. 

This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

the dedt is not mine they do not have a contract with signature on it and have trying to reach them it derogatory against my credit
Product: Credit reporting or other personal consumer reports

I am aware that FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccurate reporting. According to the law, I am entitled to {$1000.00} for each incorrect entry on my credit file.
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 : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 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

requested XXXX and Transunion to investigate a collection in the amount of {$150.00} from XXXX collection as the date was filed was XX/XX/2020 and being refiled a different amount XXXX times since, to damage my credit further. XXXX confirm a miss conducted by XXXX collection and removed it from my credit. Transunion without investigation forward my complaint to the collection they just change the date and amount ( both false ) and put it in my credit report as the collection agent wanted. Need TransUnion to do more diligent on the date of filing which was XX/XX/2020 and the legalities of repeated filing in a different amount so the collection company can not take advantage
Product: Credit reporting or other personal consumer reports

I had a vehicle that was leased and the company closed down and they are now in a bankruptcy case and I was unable to obtain plates for car due to company not sending info to XXXX so I gave vehicle back. Now I need the car loan XXXX removed off my credit due to not being my fault I paid for car for a year and was not able to get plates. So I voluntarily gave car back
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has inquiries that are on my credit report that I did not authorize. I sent Equifax a certified letter but I have yet to hear from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recent breach of security at Equifax has leaked personal identifying data - furthermore it is data that simultaneously identifies and authenticates me to services that are central to my well-being and quality of life. 

Because of this breach and the extremely poor systems they have in place to mitigate damages as well as monitor and prevent abuse of that information I am forced to initiate a freeze on all credit and banking systems for an unforeseeable amount of time. 

This is a massive inconvenience for utilization of the systems they postured to place so central to modern living. On top of that inconvenience, however, I am forced to pay Equifax to protect me from the problems they have created. As long as a freeze exists on my credit and banking systems I will be paying to temporarily thaw those accounts. This can extend to several years and be done an unknown number of times. Unfortunately, the alternative is to leave everything hanging in the open and available to exploit.
Product: Credit reporting or other personal consumer reports

XXXX, is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( me ) and the person ( XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, Equifax, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charg-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website, from my Consumer Report. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX for the cancelled debt of {$1800.00} in order to file as ordinary income. Where is my 1099-C? FORTIVA is clearly writing off debt with the IRS without sending out XXXX as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX terms and conditions they agreed not to share my information with non affiliates. XXXX, Equifax, and XXXX are not an affiliate of XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( 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. XXXX must also refund the remaining balance of the consumer account upon its termination.
Product: Debt collection

This is not my debt, as shown by the attached UCC 11 documentation.
Product: Credit reporting or other personal consumer reports

Please remove old address which are unmailable. 


According to the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ), there is a need to ensure that consumer reporting agencies exercise their significant responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Experian are consumer reporting agencies, and I am the consumer. I have the right to ensure my private information is not shared, as backed by 15 USC 6801, which states : " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' A furnisher of information to credit agencies is defined as a financial institution under this title.

According to 15 USC 1681, Section 604 ( a ) ( 2 ), " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Neither XXXX, Experian, nor the furnisher of information to credit agencies have my consent to furnish this information, and they certainly do not have my written consent. Therefore, any consent previously given, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) states that " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The furnisher of information to credit agencies never informed me of my right to exercise my nondisclosure option.

Additionally, 15 USC 1681c ( a ) ( 5 ) states : " Except as authorized under subsection ( b ), 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. '' This account is an adverse item being reported without my permission.
Product: Credit reporting or other personal consumer reports

I did not authorize these companies to run credit, this is fraudulent.
Product: Student loan

Interactions with XXXX : XXXX/XXXX/XXXX - I received notice that my forbearance was ending under the Standard Repayment Plan, and I saw that I qualified for the Revised Pay As You Earn plan ( REPAYE ) and filed documents to certify for the plan. 
XXXX/XXXX/XXXX - I was notified by XXXX that I would be asked to make a {$5.00} payment under the Standard plan to switch to REPAYE, and the instructions said to simply pay the amount when the bill was due by XXXX/XXXX/XXXX. 
XXXX/XXXX/XXXX - I paid the {$5.00} required to switch to REPAYE. 
XXXX/XXXX/XXXX - XXXX sent me a denial letter, saying I did n't qualify for REPAYE because I did n't make the payment on time. Keep in mind that this letter was sent BEFORE the due date of the payment ( XXXX/XXXX/XXXX ). 
XXXX/XXXX/XXXX - Called XXXX to clarify ; a representative stated that the rejection " should n't have happened '' and she stated that she would open the application to be re-processed for REPAYE. She stated that someone must have denied me despite them having record of me made the required payment to switch. 
XXXX/XXXX/XXXX - Received a letter of disclosure from XXXX stating that I am in repayment under the Standard Repayment Plan, not REPAYE. 
XXXX/XXXX/XXXX - Called XXXX, spoke to XXXX XXXX # XXXX ), and he noted that my application still had n't been processed to switch to REPAYE, but it was " open. '' Meanwhile, I have a payment under the Standard plan due in XXXX ( more than I can afford ; the REPAYE plan allows for lower payments ). XXXX stated that he would need to put me in forbearance again to avoid having to make the payment in a few weeks, and stated that he put me in forbearance for just XXXX month and that the application " should be processed '' before XXXX 's payment date. 

It is unacceptable that processing applications for repayment plans takes this long and are rejected for false reasons XXXX lack of payment when payment was clearly provided ). I was hoping to make my first payment under REPAYE in XXXX, but I 'm still not even on the plan yet with no set time guarantees for when it will be processed. No representative has been able to give me a set time for when the REPAYE application will be fully processed, except that they hope it 's going to be " before XXXX. '' Meanwhile, my interest continues to accrue due to shady business practices by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX Balance : {$25000.00}.
Product: Credit reporting or other personal consumer reports

After submitting my previous complaint, I received correspondence from Macys today That did not come with anything. I asked him for. I asked him for documentation containing my signature or something proving that the account is mine and this is the second time I received the response from them and they are not able to provide that information. I think it is pretty clear at this point that theyre in violation of The fair credit reporting act. To further prove my argument, the correspondence I received today is not even in my name therefore they are reporting an account to my credit report. Thats not even under my name. I will be uploading photos of this letter as that they are violation and I want this account removed from my credit report immediately. The account I am referring to is as follows : XXXX ) MACYS/CITIBANK, XXXX. 
Acc # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter to Equifax concerning an erroneous account furnished by XXXX. The Account in question had multiple errors across all 3 bureaus and did not reflect the information I had concerning the account. I have had this ongoing issue with XXXX and they have never given me valuable proof of the charges on the account they have against me. XXXX  records of this account are misconstrued and I believe XXXX used predatory and illegal tactics on my account. I then sent a letter to Equifax questioning their reinvestigation process because not one time did they call me or notify me that a reinvestigation was taking place. I then on XX/XX/2022 wrote a formal complaint to the XXXX about Equifax and XXXX about this erroneous account and the NEXT DAY without doing any investigation they sent their response. As per the generic response of Equifax that I sent to the XXXX I never asked for the account to be verified or wether the account was mine. I notified Equifax in the reporting error of XXXX. Not one time in their reinvestigation did they contact me as a consumer. Allowing information to be furnished on my consumer report as they see fit is one sided and against the law. An account can not be verified if the consumer was never notified and there is no first hand knowledge of the account. If there were indeed errors in the reporting of the account that was furnished how can you say NOW the account is 100 % accurate when none of the information furnished matches across all three bureaus. This is a direct violation of the FCRA and I do take items on my consumer report lightly. Basically in Equifax 's response to the erroneous account is that they did not do an independent investigation of the account in question but sent XXXX an email for verification and waited for XXXX 's response and they even admitted that they have no records of this account at all and they are simply going off of he say of XXXX. If they have no evidence of this account and are simply letting furnishers dictate what to put on a consumers report when this account has affected my livelihood and my ability to obtain credit is horrendous to say the least.
Product: Checking or savings account

Capitol One bank took money out my account with no email saying why. I ordered something online from a merchant returned it refund not correct.
Product: Credit reporting or other personal consumer reports

I am writing to express serious concerns about issues I have encountered with the credit bureau. Upon reviewing my credit report, I discovered several inaccuracies, such as false account listings, inconsistent billing, and accounts that do not belong to me. These discrepancies significantly impact my financial security, and I urgently seek your assistance in resolving these issues.