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

Ive been fighting to rectify fraudulent activity, names, addresses, social security numbers, accounts, returned equipment to XXXX, utility bills and addresses and social security numbers belonging to my ex-husband and his ex-wife snd more since 2013 l. Ive been a victim of Experian/ XXXX breach also. Their websites, phone numbers, etc are all non-functioning for me and thousands of others with the same issues. I can not access or prove my own identity or social security number! I lost my identity and want my life back! They charged my back account for unauthorized up charges for who knows what. Ive spent hours, for years, monies etc. on this. Please help me.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Florida XXXX I.C. System, INC XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : Cease and Desist I.C. System, INC I am demanding verification of such debt. Verification is defined as a formal declaration made in the presence of authorized officer whereby one swears to the truth of the statements in the document " Garner, B. ( 1995 ). Black 's Law Dictionary ( 6th ed. ) ''. I demand proof that this corporation provides proof that I signed a contract with them. Since you will not be able to prove that I owe your company any money, I demand you to stop emailing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to rent a house recently, and I was denied. Trans Union is providing inaccurate information on my credit report through their rental application process department. It shows that I have XXXX XXXX  ; XXXX in XXXX XXXX, XXXX in XXXX XXXX that was dismissed because I paid it. XXXX in XXXX XXXX XXXX XXXX I never resided in. I contacted Trans Union and submitted XXXX dispute ( XXXX ) for XXXX of the XXXX  in XXXX XXXX. None of these evictions should have been on my report. I filed XXXX  XXXX bankruptcy and all XXXX judgements were added. To my bankruptcy, except XXXX XXXX because I never lived in XXXX XXXX and this information is inaccurate. Trans union needs to remove this inaccurate information on my credit report this XXXX cause me to become homeless if I can not get a leasing and/or rental agency to except my application. I have already wasted a {$150.00} dollars on application fees. I spoke with XXXX in Trans Unions XXXX XXXX department and she told me that it doesnt matter if I filed bankruptcy. That trans union can report whatever they find in the system about me.
Product: Credit reporting or other personal consumer reports

I noticed incorrect payment history listed on my credit reports for XXXX, Experian, and XXXX for XXXX XXXX. This account is listed as XXXX  days late in XX/XX/XXXX and XXXX  days late in both XXXX and XX/XX/XXXX. I have no knowledge of this account. I requested information on account ownership from both the credit bureaus and XXXX XXXX directly and received no response. The credit bureaus simply told me they verified the information but never provided me with that information directly when I requested it.
Product: Credit reporting or other personal consumer reports

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX the accounts listed on my attachments has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

Originally started with me receiving a change of address form I did not apply for. Then I received a credit card from Bank of America that I did not apply for. Then received a credit card statement from Bank of America for another card that had approximately {$12000.00} charged on it that I did not apply for. Also have received other notifications that credit cards are not being issued because of lack of identifiable information. Notified Bank of America, local law enforcement, postal service and now consumer finance.
Product: Debt collection

The collection company is attempting to collect a debt that is not mine. The debt is for insurance on a home I do not own and they will not correct their error.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX Re : Formal Dispute Regarding Unauthorized Transactions and Account Issues Dear To whom it may concern, I am writing to formally dispute a series of issues related to transactions and unauthorized changes to my Zelle account. Despite multiple complaints submitted to your organization, these matters remain unresolved. As a consumer, I am invoking my rights under applicable federal laws, including the Electronic Fund Transfer Act ( EFTA ) and other regulations enforced by the Consumer Financial Protection Bureau ( CFPB ), to ensure these issues are properly addressed.

The Issues : Funds Sent to the Wrong Recipient : On numerous occasions, I noticed that funds I intended to send were mistakenly transferred to the wrong recipient. I have submitted multiple complaints requesting an investigation into this matter, but I have yet to receive a satisfactory resolution. As per EFTA regulations, Zelle is obligated to investigate disputes and provide a clear resolution. 

Unauthorized Account Unregistration : I discovered that my Zelle account was unregistered without my consent. This action disrupted my ability to send and receive payments and has caused significant inconvenience. I have repeatedly asked for an explanation and proof that this action was authorized, but no response has been provided. 

My Request for Resolution : In light of these issues, I am requesting the following : Thorough Investigation : A detailed investigation into the disputed transactions and the unauthorized unregistration of my account. 
Refund of Funds : Full reimbursement for the amount sent to the unintended recipient. 
Written Explanation : A formal explanation of why my account was unregistered without authorization, along with proof of any documentation supporting such an action. 
Adherence to Federal Laws : Compliance with all provisions under EFTA and CFPB regulations, including the timely handling of consumer disputes. 
Failure to Address These Issues : If Zelle does not adequately address my dispute, I reserve the right to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory authorities. I also reserve the right to pursue legal remedies if necessary. 

Please acknowledge receipt of this letter within five ( 5 ) business days and provide a written resolution within 30 days, as required by law. I expect a prompt and professional response to avoid further escalation of this matter. 

Thank you for your attention to this matter. I look forward to resolving this issue promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CEASE AND DESIST IMMEDIATELY XXXX XXXX am a NATURAL PERSON, in accordance with 15 U.S.C 1692c I am advising you, XXXX, XXXX, in writing that I refuse to pay the alleged debt. I am demanding you cease all forms of communication with me through every illegal avenue. You have caused me mental and financial stress when you issued a debt that does not belong to me the natural person and which I am not responsible for. 
I DEMAND THAT THIS CONTRACT BE VOIDED!! Cease and desist all collection attempts on this false debt I refuse to pay. 
According to 15 U.S.C 1692c ( c ) ( 2 ) I am invoking my specified remedies as a consumer and original creditor I demand all of the following : An audit trail of the alleged debt.

Zero out the balance of the account. 
STOP & DELETE negatively reporting to all consumer reporting agencies DELETION from all consumer reporting agencies If there is no response or compliance to this cease and desist it will be another violation under FDCPA for willing non-compliance and I will seek litigation as well as provide your entity with an invoice for every violation. 
Sincerely, XXXX 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. Experian and XXXX are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not able to open up a checking account. I have went to several different banks to open up a checking account and my request was denied due to adverse and negative information on my Chex Systems Consumer Report ID : XXXX, I have sent numerous complaints to CFPB in regards to Chex System reporting inaccurate information on my consumer report. Chex Systems has responded to me informing theres nothing adverse reporting on my consumer report, yet Im steady being denied to open up a checking account due to adverse information on my consumer report. I feel Chex Systems is using discriminatory practices against me which is unlawful.
Product: Checking or savings account

On XX/XX/ I recieved a call.from a number that came up as chase fraud line stating that my account was being hacked for a wire transfer and I needed to reverse charges. I was told what to do and I done it. The amounts was {$9700.00} and {$9500.00} which is alpt of money and I thought I was saving my savings. I was then lead through process and put on hold. The phone hung up so I called chase and explained what happened and they said I was scammed. So I filed report with them about 40 mins after the initial call, chase is saying I did not call until XXXX and trying to deny my fraud claim. I want my money back from this scam and it should of been recalled as soon as I called chase on the XXXX of XXXX. I have filed a police report and a report with the FBI also on which chase told me to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, 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 Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX XXXX XXXX XXXX : {$9100.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX XXXX XXXX XXXX : {$9100.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I am a member of the South Carolina XXXX XXXX XXXX. Back in XX/XX/XXXXI transferred my apartment at XXXX XXXX XXXX to another student at XXXX XXXX University. Her father wrote a transfer fee check and I paid her first month 's rent. XXXX XXXX never cashed her father 's check because it was my responsibility to cover the transfer fee. I was never informed of this nor was I contacted by XXXX XXXX about this outstanding balance. However my distaste does not reside with them. 
I have been over seas on XXXX training for a month, XX/XX/XXXX -XX/XX/XXXX and then recently came back and moved to my new home in NC XX/XX/XXXX. After a week of being home I was contacted by Hunter Warfield,  XX/XX/XXXX, they were at first polite explaining the situation they had supposedly also contacted my mother. After speaking with my mother and then the apartment complex I had found out what had happened. 
This morning I was contacted again by Hunter Warfield at XXXX, XX/XX/XXXX, this time they were very agitated and begun to get quite rude with me. They told me they have been they have been trying to collect this debt that I had not heard of until a week ago and that they have been attempting to collect it over a month. Again I tried to calmly, but sternly, explain I have not been here for a month and I have been investigating the matter since they had contacted me. That is when they said they were going to charge me. I then asked what they were going to charge me with. They said they were going to charge me, and send this to a credit report agency. Then told me that they had taken my response as that I was not going to pay the {$300.00} debt. Once he stated this, he then proceeded to quickly hang up on me. 
Please understand I never said I would not pay the debt. I then called back the apartment complex to tell them my experience and they apologized greatly astonished by they lack of professionalism exhibited by Hunter Warfield. They then explained to me that since they themselves were never able to contact me ( since I was on a XXXX ) that they would be so kind to remove the debt from the collection agency. 
I have never been treated with such arrogant and ignorantly placed hostility when approached. I would have expected a greater amount of professionalism from a 'law firm ' trying to collect payment, cruelty and threats is not the way to accomplish any goal in business or law.
Product: Money transfer, virtual currency, or money service

I want to file a complaint against Cash App ( Block , Inc. ) for bad customer service and unfair practices. They didnt do enough to stop or handle fraud on their platform, which left my account exposed and unprotected.

On top of that, their process for handling disputes was super unfair and misleading. They didnt follow the rules for resolving errors under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. This whole situation has caused a lot of stress and inconvenience, and Im asking for the proper help to address this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed c/o with XXXX  XXXX  listed on my experian credit report. I have disputed the account well over 5 times in the year with dispute, i've listed multiple issues with the account and inaccurate information listed on my report. After filing a complaint against XXXX XXXX with cfpb on XX/XX/XXXX, the issuing bank XXXX  XXXX  sent me a letter dated XX/XX/XXXX claiming the account correct and valid. using the letter XXXX  XXXX  sent and information listed in said letter, I disputed the XXXX XXXX account with experian again on XX/XX/XXXX and disputed almost all information listed for the account on my experian credit report. using the account information that XXXX  XXXX  provided the following errors are listed on the account for XXXX  XXXX  that experian updated on XX/XX/XXXX as verified from XXXX   XXXX. 

CR= Experian credit report. 
LTR= XXXX XXXX  letter acct open date. 
CR-XX/XX/XXXX LTR- XX/XX/XXXX Payments CR-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX LTR- No payments ever. 

Late payment dates CR- 30 day XX/XX/XXXX, 60 day XX/XX/XXXX, 90 day XX/XX/XXXX LTR- XXXX XXXX claims no payments ever, lists account as opened XX/XX/XXXX more than 90 days before first listed missed payment. 

Charge off CR- c/o list in XXXX LTR- XXXX XXXX lists c/o XX/XX/XXXX then lists account sold to DC on XX/XX/XXXX and then reports c/o after account is sold in XX/XX/XXXX. 

XXXX  XXXX  in their own letter lists an application for installment loan account as approved on XX/XX/XXXX, but not opened until XX/XX/XXXX. 

the account for XXXX XXXX is still currently listed on all 3 of my credit reporting agencies, almost no information is listed correctly on any of the 3 and all 3 have various missing information. 
experian lists on the account last update from XXXX XXXX as XX/XX/XXXX, dispute sending me numerous alerts about the account information being updated from XXXX  XXXX. 

The letter that XXXX  XXXX  sent to me about the account, in their own words claim as accurate reported information directly contradicts what experian claims as accurate infomation listed on my experian credit report. 

at this point the online experian dispute center give not updates for my disputes since XX/XX/XXXX and all email dispute updates I'm sent open into an error message. leaving me being told my disputes are updated and that information for the account has been updated. viewing my current experian report on experians web site along with a purchased report from XXXX on XX/XX/XXXX. no corrected information found account information listed same as the beginning of XX/XX/XXXX. all information appearing to be listed in error when compared to XXXX  XXXX letter listing their accurate information about the account still listed on experian report unchanged as of- XXXX ; XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize '' Experian, '' nor did I consent to following inquiries being furnished on my consumer report : 1. XXXX XXXX - XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX - XXXX, XXXX, XXXX XXXX XXXX XXXX - XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX - XXXX, XXXX, XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX, XXXX XXXX XXXX- XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX- XXXX, XXXX XXXX XXXX XXXX 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: Checking or savings account

I initiated a small transfer ( {$3700.00}. ) from an external bank ( XXXX XXXX  ) to my Chase savings account on XX/XX/18. I was told by Chase the funds would be transferred in to my Chase account on XX/XX/18. On that day I logged into my Chase account, and there was a notice that my account had been suspended for suspicious activity, I had received no notice from Chase-no email, no text, none whatsoever, and I was scared that someone had accessed my account. I cancelled my appointment to meet someone, and called them. I literally had to speak to 4 people until I found out why they suspended my account-it was due to the transfer I had requested into my Chase savings account!. I was on the phone for close to an hour about this. They called XXXX to ask if I had the funds to cover this, and XXXX confirmed that I did have the funds. Then the Chase representative asked me, " What is the purpose of these funds you are transferring? '' I told him it was none of his business, and he said he would not transfer my funds if I didn't answer! I finally told him it was to buy something, but I felt violated and harassed by his coercing me to say this. I have filed a complaint with Chase, but I am contacting you because despite multiple calls to them, with multiple promises that the funds would be transferred, it has now been 5 business days, and they still have not transferred my money into my account. The money is listed under transfer activity on my Chase account 's website page ( see attached ), but it is not even listed as pending. I have been a customer of Chase for many, many years, with not one single reason for them to do this. I have transferred funds with no problems in the past, NEVER EVER had any NSFs or any other problems. I have also complained to their Executive offices, and they promised me a return call, but they never called me.
Product: Checking or savings account

Discover Bank has had a rash of fraud on their accounts. I got an email on XXXX XX/XX/XXXX, about an authorized activity on my account. I did not click on the email, but went to the website and tried to log in. It was locked and told me to contact their fraud department. When I called it said the wait would be over XXXX hour. I sat on hold for XXXX hour and XXXX minutes and had to hang up because I was at the doctors. For the last few days I have been calling trying to get a person to no prevail. After XXXX hours on hold their phone system hangs up on you. Their customer service refuses to help you and tells you there is nothing they can do. 
XX/XX/XXXX XXXX hour XXXX minutes- had to hang up XXXX seconds- said the wait was over XXXX hours XXXX hours XXXX minutes - system hung up XXXX minutes - system hung up XXXX minutes - system hung up XXXX minutes - system hung up XX/XX/XXXX XXXX minutes- said the wait was over XXXX hours- had to hang up XX/XX/XXXX XXXX minutes- said the wait was over XXXX hours XX/XX/XXXX XXXX hours XXXX minutes - system hung up They have frozen my funds with absolutely no way to contact a human to assist me. Their customer services answer is we know about the problem and are working on fixing it, but you just have to keep calling until you get to a person. They will not help you, they flat up refuse to let you speak to a supervisor. If i needed these funds for any reason i would have no way to access my money.
Product: Debt collection

I previously filed a complaint about Transworld debt collection contacting me about XXXX XXXX account. 

Today they sent people to my HOME. And I was forced to show identification, I was accused of being her over broke down cars in my driveway and I was humiliated in front of my neighbors. 

In XXXX my father XXXX XXXX passed away, he lived with me, wether he was affiliated with XXXX I do not know its not my responsibility to assist a debt collection company. My mothers name is XXXX I finally sent them to her house after beating on my door 3 times in a 10 min period. 

Attacking someone who has never had buisness with them AT MY OWN HOME is absolutely not ok and against multiple laws. 

I was told unless I paid her debt or found her for them or accepted documents for her they would not stop. 

I work nights they are disrupting my sleep and a man XXXX XXXX XXXX when I live alone as a woman is not ok. 

I will be staying in a hotel I expect them to pay for until they cease.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. I dont live at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 Please remove all these addresses that dont belong to me. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately 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.