23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have disputed an account with XXXX  several times with more then enough documentation to support removal of an account. The account in question is Originally from XXXX  and is now being held by CCS they are located at XXXX XXXX XXXX XXXX, MA XXXX. They have since taken the balance down from {$730.00} to now {$500.00} after my last dispute. So even if that were valid then It should not be in collections or reporting as late at all because they had the wrong amount this entire time and therefore it was wrong to begin with. Unfortunately for XXXX and CCS I have been sent 3 different documents from XXXX stating a {$0.00} balance is owed and the matter closed. Luckily XXXX investigated this and removed it because it is fraudulent. It is still effecting my credit negatively. If a mistake was made by either XXXX or CCS, with all do respect it is not my problem. They emailed and mailed me confirmation of a {$0.00} balance and nothing being owed. Which i will hopefully be able to attach to this complaint as well. This company has over 500 XXXX complaints, this isnt normal. I will be filling a corresponding complaint with the Attorney General 's office as well in their state of Massachusetts.
Product: Credit reporting or other personal consumer reports

According to the fair reporting act. everything must be reported 100 % accurate to the credit report. The credit bureau stated that my account was properly investigated. how can that be true when the date of last activity last reported date open date, last payment date, is incorrect. account number XXXX ( XXXX XXXX )
Product: Credit card or prepaid card

I do banking with Capital One through the banks mobile app. I have a payment due on the XXXX of each month and I schedule the payment through the app. On XXXX XXXX, 2020 I received a notice to update the app and I had problems updating the app. I called the bank to ensure the payment was scheduled to be processed. I was assured the the representative that it was scheduled. Three days later I received a notice from the bank that I was late. I called the bank and was told they did not see where it was scheduled. I talked to several supervisors with no resolution. I made the payment again. I received another email stating that my credit card purchases may be declined. The next day I received an email from the bank saying they researched the issue further and discovered the problem was their fault. I went to a local branch to payoff the card and close all my accounts. A lady at the bank called the credit card department to get the {$25.00} late fee returned. The supervisor in the credit card department refused to issue the credit and mislead me twice and two women at the bank branch heard the supervisor mislead me. I still have not received the credit. I feel sure the bank will use this false late payment to raise my interest rate and post the late payment to my credit report. Attached is the letter from the bank admitting the bank caused the problem.
Product: Money transfer, virtual currency, or money service

I requested XXXX withdrawals, XXXX for XXXX XXXX, and the other for {$16000.00} XXXX on XX/XX/2022 around XXXX pm EST from my BlockFi Wallet account. Per email/social media customer support these withdrawals should've been processed by XXXX EST XX/XX/2022. They have not processed and still show as pending on the BlockFi platform and have not been released.
Product: Credit card or prepaid card

They are reporting that I was 30 days to only 2 of the three bureaus. I could not be late if I was on auto pay. They even refunded my late fees when they admitted it was there fault even told me they would fix the 30 day late and I got notification in my account today that I was lied to by XXXX. Very dishonest company. They also were supposed to send out a check for over payment and have been wait 45 days for that. They speak just lies. Do jot care about customer. Do not care about ethics.
Product: Checking or savings account

reviewing the reports, I realized I was a victim of identity theft with Bank XXXX XXXX and Chase Bank. I also was advised to send them an identitytheft.gov report in connection with the identity theft that l 've been a victim of. I lost my identification and just ordered a new driver 's license and social security card in XX/XX/2020, not realizing someone would find it and use it to gain access to my life. Please assist with the removal of this erroneous and untrue information that I am a victim of. It is truly detrimental to the growth and lifestyle I am trying to maintain for myself and my child. Thank you.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX : {$23000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$580.00} XXXX XXXX Balance XXXX {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX {$560.00} XXXX XXXXXXXX Balance : {$2900.00} ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX {$650.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

This complaint is in regard to the Zelle payment service used by my bank XXXX XXXX. 

A friend of mine sent me a Zelle payment of {$1800.00}. 

Her bank XXXX, has a glitch in their system which caused a double payment to be sent. She called her bank XXXX and one of those payments were cancelled. 

I received the {$1800.00} ( one payment ) in my account at XXXX XXXX, however my bank XXXX XXXX blocked my Zelle account as they said theres a claim of fraud associated with this transaction. 

Since this occurred, Ive had two called with ( 1 ) the sender of the payment, ( 2 ) XXXX representative, and ( 3 ) XXXX XXXX representative. 

XXXX has reiterated several times that : There was NEVER any fraud that occurred nor have there been ANY claims of any type made associated with this transaction. This issue was caused by a glitch in XXXX zelle system which caused a double payment to be made and one they reversed. 

I have been a customer of XXXX XXXX for over 35 years. I have used Zelle for over 15 years and never have there been any complaints or anything else associated with my account or use of Zelle. 

It has been over two weeks since my use of Zelle has been blocked from no fault of my own. I have requested several senior officials @ XXXX XXXX and Zelle to contact me, yet until this time, none of them have returned calls or addressed this issue. 

My Zelle account is still blocked. 

Please consider this an official complaint against Zelle and XXXX XXXX. 

The block on my use of Zelle should be lifted. 

Thank you. 

Sincerely, XXXX
Product: Money transfer, virtual currency, or money service

I was scammed on XX/XX/year> and after I realized that I was being scammed I immediately called PayPal and told them to freeze my account because I was scammed. They reassured me that no transaction would go through. I also called my financial institutions and filed a police report. I have been back and forth with PayPal and provided them with the police report that I was in fact scammed and today I received an email from them that I am now in collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Disputed an item on my Transunion credit report through XXXX XXXX onXX/XX/XXXX. The Item is For " XXXX XXXX XXXX XXXX  '' in the amount of {$7000.00}. This account has incorrect balances and the date is showing incorrect on my report. The estimated completion of this dispute was XX/XX/XXXX. It is now XX/XX/XXXX and the status of the dispute is still showing " investigating '' I have called Transunion 3 times starting XX/XX/XXXX and they have told me that the investigation was completed on XX/XX/XXXX but I have yet to see proof. Transunion stated that they sent out an email and verified the email that was on file but I still have yet to receive one. The XXXX XXXX website is still not updated.
Product: Vehicle loan or lease

I have made a half dozen attempts to have this taken off of my credit as it shows my account is open which it has been closed paid in full and duly noted on XXXX to XXXX occasions by JP chase bank with the profound and profuse apologies Ive even gotten correspondence in the mail email and the dealership in which I determine vehicle and purchase my new vehicle the controller has the information as well as the finance department and the general manager. I am a XXXX XXXX of XXXX who was left with XXXX foreclosures from a ex-husband who left my children and I XXXX and no choice but to relocate to another state and start over. With XXXX years of that on your credit and having to start over as a XXXX XXXX raising XXXX kids you can imagine what this is done to me reliability to get credit to even have a credit card. Ive been more than nice and patient with every phone call Ive made and every person expecting to but every XXXX months this happens again and its destructive and destroying my life. I want every XXXX of the XXXX credit bureaus to receive a letter of apology and correction and whatever they can do to conserve compensate me for the absolute nightmare than dealing with for XXXX years of not being able to get a credit card of not being able to secure a financial home for my son to go to college not be able to have my name on my mortgage because my credit wasnt good enough. Its quite humiliating. Please any and everything you could do to advise me as to what my rights are arabesque about selling and settling this from my best interest and to be sure this never happens again to myself or someone else would be appreciated. Thank you so much in advance. XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I contacted XXXX XXXX XXXX and inquied about a debt that 's being reported on to my personal credit report. I spoke to a XXXX XXXX, XXXX ext : XXXX and supervisor by the name of XXXX XXXX. I requested that theyprovide me with proof of debt and a legal binding contract with XXXX XXXX XXXX that I have signed. I explained that I have never signed anything document that gives them the right to report to my credit report. I even asked for them to prove that they are legally bonded in the State of  Florida to collect debt. I was told that they are not required to provide such information. They stated that they will mail out a dispute letter. All these questions were left unanswered. They kept asking how do I plan to resolve the debt. They were not helpful at all and very evasive.
Product: Debt collection

This company continues to file a new collection on my account every year with a new account number. I have tried disputing this over and over and they supposedly provide documentation but all it has is a digital signature. The address in which they provided I was not even living in at the time. The last XXXX of the credit card they are claiming I have never even had. This company is purely a scam that is ruining my credit with not hard proof my social security number is no where on the info.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX. Please remove this fraudulent account ASAP.
Product: Student loan

I paid for XXXX student loan payment in XXXX. I set up autopay and when I did this, they said it wouldn't apply until XXXX, so I paid early. When I paid, I received confirmation that my next payment was due XXXX. They just took another payment out and overdrafted my account, and there is no way to get in contact with them. They do not answer their customer service line. People state online that it happened to them too, and it can take months to receive the refund. I feel helpless to do anything about this & it's criminal!
Product: Vehicle loan or lease

I originally leased the car in XXXX. Its a XXXX XXXX XXXX. They ended up giving me a really high interest rate even though I had excellent credit. I paid the lease off after XXXX years and then I wind up buying the car Ive been paying on the car since XXXX {$650.00} a month for XXXX years now that its XXXX and I still owe {$6000.00} on the car the total amount of payments for that car is going to be well over {$80000.00}.
Product: Student loan

I was contacted by Ameritech Financial via phone in XX/XX/XXXX. They claimed to be a company backed by the government to assist with persons who needed help paying their student loans. They stated that if I qualified their program would result in forgiveness of my debt by the United States government for my student loans. They asked me a series of questions that ultimately led to an approval to the program. My student loans are held by XXXX and Ameritech told me they would deal directly with XXXX for a foregiveness of my student loans and my payment would be XXXX dollars a month and would be paid to XXXX through Ameritech. I have been making automatic payments for twenty-eight months to the equivalent of {$2700.00}. I received a letter from the Federal Trade Commission dated XXXX, XXXX stating they have begun the process and have sued Ameritech Financial for deceptive practices. I contacted XXXX who told me they have not received any payments toward my student loans as of XXXX XXXX. As a result, I have to take steps to ensure Ameritech can no longer access my bank account and take back control of my student loans through my lender. This has cost me thousands of dollars in interest charges and 28 months of payments toward my student loans.
Product: Credit card

I have an open account with HSBC Bank, which was closed paid in full in XX/XX/XXXX. The account is showing as still active as of XX/XX/XXXX. The account status shows closed - transfer/sold with a balance of XXXX. This account is past the 7 year date and should be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a complaint to CFPB about Equifax handling of my credit report dispute. Equifax responded to the request stating they sent me an update. I received the update and it is a generic form letter. This is unacceptable. Equifax provided my credit report to these companies without my consent and they are not following the established FCRA guidelines for disputes. Equifax did not verify the accuracy of these inquiries. All they did was sent me a form letter. Equifax needs to delete these fraudulent inquiries or Equifax needs to verify the accuracy of each inquiry. If Equifax is unable or unwilling to verify these inquries within 30 days, they need to be deleted. 

I have contacted Equifax about this and they told me to send in a police report and/or a FTC Report . I have done both and even though they have evidence and documentation that this is fradulent, they still are refusing to do anything except send me a form letter telling me why they report inquiries. 

I do not want another form letter. I want Equifax to follow the FCRA and verify these inquiries. In the next repsonse I receive from Equifax, I am expecting to see the name, address, phone number, date, method of contact, and the person that each inquiry was verified with. ***** DO NOT SEND ME ANOTHER FORM LETTER THAT DOES NOT CONTAIN THIS SPECIFIC INFORMATION AS OUTLINED BY THE FCRA***** I should not have to keep telling Equifax how to follow procedures.
Product: Credit reporting or other personal consumer reports

Equifax is saying in attempt to aviod my initial complaint numbered XXXX XXXX XXXX  against them directly by saying they investigated with the company the information while they are also admitting in the same breath under penalty of perjury of violating my privacy. My complaint is against equifax directly for violating my privacy by not contancting me directly giving me the right and opportunity to ensure the information is accurate nor did they ask me in the intial investigation or reinvestigation if i consented to the transaction or report. Nor was i given the opportunity to opt out of the information being reported by the financial institutions. They directly infringed on my right to privacy per 15 usc 1681 ( a ) ( 4 ) as they have a grave responsibility to fairness, impartiality, and respect to my privacy. They have been so unfair they did not even know what was unfair until I said something inside the prior cfpb complaint number XXXX. 

Congress stated that equifax assumed this role and Noone gave them permission and they must be fair. congress also states that the banking system is dependent on fairness and accurate reporting systems and agencies and if they aren't accurate they can hurt and destroy the banking system. Which they have not made me confident in going inside the bank to extend my credit anywhere. I've also been denied the opportunity to extend my credit. This has been a direct result also of defamation of character. They've hurt my consumer report by making false and fictitious statements being the non affiliated 3rd party in the matter per 15 usc 6802 and not providing me with the information or system used to give evidence that I was given clear opportunity to have the information not disclosed or given to them in the intial consumer credit transaction. We asked for this evidence in the prior cfpb complaint XXXX XXXX and, did not receive it just them further admitting to injury of me. Per 15 usc 1681 ( a ) ( d ) ( 2 ) ( a ) iii This is a direct breach of my privacy. I've also made notice in my prior complaint affidavits that they did not adopt thd right procedures to meet the needs of commerce for consumer credit. Furthermore according to 15 usc 1681 ( a ) ( 2 ) an elaborate mechanism must be developed for investigating and evaluating credit worthiness, credit standing, credit capacity, character and general reputation for consumers. Equifax deceptive forms made creditors think i was in debt and they did not properly prove the validity and if the debts were valid they created a false impression that i was not able to pay the alleged debts without having proper information or consent to reporting. As ive also shared the correspondence of said creditors in the attachments sections. Again ive been discriminated against and denied the right to extend credit. Ive also suffered emotional and fininaical hardships. Therefore your compqny is liable per 15 usc 1681 ( o ) if this request is accepted, I will not escalate this matter to the federal court. 

Deletion of the following consumer reports XXXX XXXX XXXX XXXX XXXX Also pay the attached invoice.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -US SM BUS ADMIN ODA XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX  XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : -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 an account without my written instructions.
Product: Debt collection

I made contact with XXXX XXXX XXXX who is operating as the " attorney '' for XXXX XXXX ( A subsidiary of XXXX XXXX XXXX ). I tried to discuss the recent consent order that was issued by the CFPB to let them know that the default judgment that they obtained and the payments that I am currently making are a part of the order. I know that they have time to address the Consumers but I was just trying to get a copy of my payment history so that I can close on a mortgage. They were not willing to cooperate with me, said that I have defaulted on the payment agreement, and were rude for no reason. I could not get the legal staff on the phone. What are my options as far as the Consent Order goes?
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is due to failure to validate in accordance with 1692g, I do not have a contact with Performant Recovery. I am also requesting a receipt of this loan, as well as please provide the note!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX XXXX, XXXX  XXXX acct # 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX