23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

When i first moved out i was told i could pay the bill online with any card. I get the bill and call the office shortly after to notify that my account is not active. The employee told me that most accounts do not close immediately, mine was acting weird. So the employee tells me that one of the managers of something ( could be technology or business ) would fix my account so i could pay the bill online. I give it about a week or two and try to login again, but to no avail i could not login. I get no phone call notifying me that the employees did their job. I call again and they said that the last person had given me false information because once an account closes they can not open it again. Why would someone tell me i could pay the bill online if that wasnt true to begin with? I digress, the person on the phone then tells me I have two options : the first being send a money order in. The second being to come in with a card and i could pay it this way. I work full time so coming in wasnt an option until today. So I come in today and the person working informs me that everything I was told prior to today was not correct and THE ONLY WAY I COULD PAY IS BY COMING IN WITH A MONEY ORDER not online with a card, not in person with a card, and not through mail with a money order. Then I call a week before it was due and the same employee I first talked to answered. I tell the employee ( XXXX ) my situation and he said he doesn't know why any of the employees gave me the information I received, when he was one of those employees. The company is XXXX XXXX XXXX. Look up reviews on the management and employees theyre known to be horrible. I emailed the company an email similar to this that expressed more frustration but no response. I would provide documentation but apparently my account doesnt exist, and all my encounters happened via phone call or in person. 
P.S I'm rereading some of the reviews on the complex and it seems as if XXXX isn't the greatest of managers
Product: Credit reporting or other personal consumer reports

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ATTN : I am reaching out to your company because there are fraudulent inquiries on my credit report. 

Pursuant to 1681b Permissible purposes of consumer reports I also never gave you any written consent to report anything on my consumer report.

By law these inquiries on this letter must be deleted immediately Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
No consent is IDENTITY THEFT! 

XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX , XXXX . 
Inquiry : XXXX XXXX, XXXX
Product: Money transfer, virtual currency, or money service

Last year XXXX XXXX XXXX was merged into Cash App Tax. I tried to access it through XXXX XXXX, I was unable to and my data was shared with XXXX XXXX without my permission including personal identification information such as SSN and date of birth. I then tried to access my taxes through Cash App, however I am unable to. After verifying with a code to my email, the app asks for a code sent to an old phone number. There are no other options provided to access the account and despite already providing a code I am unable to log into the account. There is no option to contact customer support to assist. There is only a chat with a bot that provides the same response and does not connect to anyone representing Cash App. My Tax forms for previous years are stored with this company, I did not want that but the forms were shared by XXXX XXXX as a result of them " merging '' although now they claim to be XXXX XXXX.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

to the best of my knowledge these are ftc violations
Product: Debt collection

Company : I.Q. Data International, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX I.Q. Data International failed to comply with FDCPA 15 USC 1692g, Section 809 ( b ) as I formally requested debt validation. 

Details : ( 1 ). I.Q. Data placed a collection account on my credit report on XX/XX/XXXX, prior to sending a debt letter to me. This is a collection action. 
( 2 ). I received a written debt letter from I.Q. Data dated XX/XX/XXXX stating I had 30 days to respond ( Enclosed ) / ( 3 ). On XX/XX/XXXX, I generated a formal dispute letter for debt validation. I faxed my formal dispute letter to XXXX as stated on the debt letter. ( Fax confirmation of receipt on XXXX/XXXX/XXXX attached )./ ( 4 ). On XX/XX/XXXX. I sent that same formal dispute letter for validation to I.Q. Data via certified mail to the address for written disputes as stated within the debt letter ( Copy of certified mail return receipt and tracking information included )./ ( 5 ). As of XX/XX/XXXX, I.Q. Data has not formally validated this debt./ ( 6 ). This debt was formally disputed with XXXX XXXX prior to referring to the collector./ ( 7 ). The amount due on the collectors demand letter is different than what my internal XXXX account reflected. My internal account reflects a {$0.00} balance. 

I have been harmed as this collection item had an adverse effect on my insurance rates and home purchase goals. 

I believe this is a willful violation of FDCPA 15 U.S. Code 1692k. 

XXXX.Q. Data International has well over 250 complaints listed with the XXXX
Product: Checking or savings account

I am a single mom who gets paid every other week y. It appears PNC bank is just charging my account {$7.00} a day for going into an overdraft on top of already charging me {$36.00} for the three payments they made and another {$21.00} for going into overdraft, the whole system does not make any sense to me. I was lured into their program by being promised a {$300.00} bonus depending on the amount of money I deposited within a certain time. I did meet the criteria but they never honored it. Turns out the representative at their bank did not give me my checking account information but a savings ( reserve ) account number where my direct deposit ended up going and I did not qualify for the promotion. They do not provide checks so I had to depend on their representative to give me the appropriate information for the company I work for. To appease me because I filed a complaint they gave me {$100.00}. In addition when I opened the account I only wanted a checking they ended up opening two other accounts for me. Apparently it was part of the virtual wallet account package. However, I do n't use those accounts. I have a savings account with a credit union. Within less than a week I was charged the following : XXXX XXXX {$7.00} for service + charges fees XXXX XXXX {$36.00} overdraft fees XXXX XXXX {$21.00} for service charges + overdraft fees XXXX XXXX {$7.00} for Service charges + overdraft fees XXXX XXXX {$36.00} over draft fees XXXX XXXX {$36.00} overdraft fees I have attached a copy of my statement as proof
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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.
Product: Credit reporting or other personal consumer reports

Adding a letter to my active disputes There are a few more issues they are in violation of.
Product: Bank account or service

After numerous iterations with the bank things were finally resolved as far as the amount of a payment on XXXX/XXXX/16 during a conversation that I had with one XXXX around XXXX. I was told that I would be debited XXXX per month starting XXXX XXXX and that I would be billed XXXX for XX/XX/XXXX and XX/XX/XXXX and that I should not do anything until I receive the new bill. On XX/XX/XXXX ( ~XXXX ) I called again and spoke to one XXXX ( sp? ) who informed me that once the direct debit is set up they will not send a bill - which had been set up in XX/XX/XXXX. I was specifically told that the XXXX/XXXX/16 direct debit would be in the amount of XXXX and that I must send in a payment for XXXX that must be postmarked no later than XXXX/XXXX/16. I remitted the payment as instructed and have proof of payment on or about XXXX/XXXX/16. On XXXX/XXXX/16 I discovered that a unauthorized direct debit in the amount of XXXX had been processed against my checking account. I called the bank ( XXXX, XXXX XXXX requesting that the debit be reversed as it was not an authorized amount and was told that a ticket would be opened and that I would receive a call back within 3-5 days. I explained that this had the potential for overdraft fees to be incurred and requested that the matter be escalated to the executive office : I was told that they would not do so, but would have a supervisor call me. I received a call later that day from XXXX XXXX who also refused to open an executive office compliant, but who gave me an email box that I could complain to. On XXXX/XXXX/16 ( ~XXXX ) I received a call from XXXX telling me that they were processing the refund, but that there was no information as to the form ( I requested that the money be direct deposited to the account that it was taken from - an account within the same bank ) or the timing of said payment. Finally today ( XXXX/XXXX/16 ~XXXX ) I received a call from XXXX informing me that the refund would be issued with a check being cut XX/XX/XXXX or XX/XX/XXXX that we should receive by XX/XX/XXXX or XX/XX/XXXX. I explained that this was unacceptable and that I wanted this matter escalated and was given the name and number of his superior ( XXXX XXXX ) - I called and left a voice message but have not yet heard back. 

It is totally unacceptable that a bank of this size should be unable to correct THEIR mistake and that it should take up to 20 days to return funds that were never authorized to have been removed from my account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the non-compliance issue related to my account with your company, referenced under code XXXX. It has come to my attention that certain actions or obligations were not fulfilled as required, and this has led to a violation of the compliance regulations outlined in the relevant code. 

As per Code XXXX, your organization is obligated to report accurate information and investigate them. However, the failure to comply with these requirements has resulted in inaccurate credit reporting. This negligence has created considerable consequences that need immediate attention. I urge you to take swift action to rectify the situation and ensure full compliance with XXXX XXXX moving forward. 

I ask that you please remove inaccurate information from my credit file.
Product: Bank account or service

My complaint is with Direct Express, the card the government uses to issue my Social Security XXXX checks. This is regarding the complete withdrawal of funds from my account with Direct Express from an ATM. Using a cloned credit card unknown persons at XXXX on the on the morning of XXXX XXXX, 2016 made several withdrawals from the account, each transaction was around {$300.00} for a total of {$1600.00}. They did suspend the account and issue a new card however ; after that first call we have been unable to speak with anyone. Direct Express has made no attempt to contact me to help resolve this theft from my account or assist in filing a police report. I 've long been a user of Direct Express and up until now have always regarded them as an excellent company. I have every faith therefore that they will do whatever they can to rectify this situation. 

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

The inability to collect real time information by all of the three major credit bureaus and their farming that incorrect information to multiple third party credit reporting organizations creates adverse action severely holding us hostage. Their lack of real time gathering was highlighted in the last complaint you did nothing about. As example report XXXX issued by XXXX XXXX XX/XX/2012 still incorrect and they- even while acknowledging and promising to correct our negative information did nothing. Telephone numbers as the data outdated and not in service, one could go down the list but why bother? Then they have the gall to advise it will take months to update while one languishes. To repeat for these who have trouble comprehending- Yesterdays complaint further proof of the inaccuracy of reporting and their distribution of such to third party entities who provide that outdated and incorrect information continues to hold us financially hostage and unable to do anything where finances are involved. Opinion- for one to actually think you or they would do anything to improve integrity naive. Of course this is NEW and yes pass it becuase frankly you do nothing about the multiple earlier complaints!
Product: Debt collection

My identity was stolen as a result several accounts have been opened in my name without my consent or knowledge. I have submitted disputes and provided police reports and the accounts are still negatively impacting my credit report
Product: Checking or savings account

I have had funds debited from my account and I still have not received the requested documents I have asked for. I asked for my XX/XX/2020 banking statement. I have yet to receive it but I am receiving ones I did not ask for I need my XX/XX/2020 banking statement. It is being left off for a Strange reason. As I have requested it many times since XX/XX/XXXX I also asked for it XXXX and XXXX and also XXXX and have yet to receive it only information I am not requesting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complain, and I'm including it again. XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Consumer dispute XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXConsumer Assistance XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Credit Information Dear XXXX XXXX XXXX XXXX Experian And XXXX XXXX assistance. I am writing to formally dispute certain inaccuracies in my credit report as required by the Fair Credit Reporting Act ( FCRA ). My name is XXXX XXXX XXXX, and my Social Security number is XXXX, I have recently reviewed my credit report dated XXXX and I found the following items that I believe are incorrect. 
XXXX. XXXX XXXX XXXX - Description of the Inaccuracy late payment XXXX days late XXXX and XXXX between the dates of XXXX XXXX, XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX - Supporting Documents : Letter from XXXX XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX Account Number : XXXX Balance zero paid in full -Supporting Documents a letter from XXXX XXXX XXXX XXXX 
XXXX. XXXX XXXX XXXX XXXX I paid the balance in full as of XXXX XXXX it needs to be updated. 


XXXX. My Personal name is XXXX XXXX XXXX including telephone number XXXX please remove any other numbers thats is save to my credit profile please remove old telephones. 
XXXX. XXXX XXXX is paid in full as of XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX were XXXX days past due which it has being paid on time please remove it off my credit report. 

XXXX. Self-credit builder is reporting XXXX late payments, which am currently paying on time it has been update yet please update it to my credit report. 
XXXX. XXXXXXXX XXXX  account is reporting XXXX late payment & # XXXX ; XXXX which I am currently paying it on time it hasn't been update in the system please remove it off my credit. 

XXXX. XXXX is currently reporting XXXX days late payments which am paying them on time can you please update the account details. 
XXXX. XXXX XXXX XXXX is reporting XXXX late payments, am currently paying them on time can you update the account details. 
XXXX. XXXX Is not updated I paid them in full as of XXXX can you please update my account removing the late payment. 
XXXX. XXXX XXXX XXXX bank is reporting XXXX  days late payments can you please update my account am currently paying them on time. 
XXXX. XXXX XXXX Bank reporting XXXX, XXXX days past due, when I paid them in full as of XXXX can you please update my account regarding this situation. 
I kindly request that you investigate these matters and remove or correct the inaccurate information from my credit report. According to the FCRA, you are required to conduct a reasonable investigation of my dispute and respond within XXXX days. 
Please find attached copies of my credit report with the disputed items highlighted, along with any supporting documentation. I appreciate your attention to this matter and look forward to your prompt response. 
15 U.SC 1692C 15 U.SC 1692G 15 U.CS CODE 16181S2 15 U.CS 1681C-2 15 U.CS 1681i 15 U.S CODE 1681 ( XXXX ) 12 CFR 1026.3 15 U.S CODE 1666b Thank you for your assistance. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I pulled my annual credit report and noticed that XXXX XXXX  list account number XXXX list an account in defaulton my credit reports XXXX, XXXX and TransUnion. Please note that XXXX data breach on XX/XX/year> : The web portal wasfi rst breached, and XX/XX/year> : Attackers began moving into other parts of the network and exfi ltrating data. It took XXXX XXXX XXXX XXXX to discover the breach and did not notify the public until XX/XX/year>. This is not my account and I would like itremoved from my credit fi les.
Product: Vehicle loan or lease

On XX/XX/XXXX a vehicle I purchased at XXXX XXXX  auction XXXX XXXX XXXX broke down while I was driving on the expressway. I had to get it towed from the expressway to the tow yard then XX/XX/XXXX I had to get the vehicle towed from the tow yard back to the dealer XXXX XXXX  auction and now they allegedly fix the problem but now they trying to have me pay for it turns out, they fixed it but the vehicle still wont turn on now they want me to tow it to another shop to get it fixed and make me pay for that. I contact the finance company. They asked me to ask the dealer to get me the diagnostic report I asked the dealership for the document, they only send me pictures they not willing to send me the paperwork and this is all while it has not been a whole month since I purchased the vehicle on XX/XX/XXXX I paid for the towing I paid for the oil change, and I paid for the XXXX new tires that I put on there all within almost month of me purchasing this vehicle The documents I have sent is the conversation with me and the person that has sold me the vehicle at the dealership at XXXX and also the other documents shown shows what Ive been paying for within the month of me get in the vehicle as well as them telling me to hurry up and pay my first payment on the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the accuracy of the information contained in my credit report from Equifax LLC . I have reviewed my credit report and found that there are violations of the following federal laws : 1. 15 U.S. CODE 1666B TIMING OF PAYMENTS : My credit report indicates that I have made late payments on my accounts. However, I have always made my payments on time. The information on my credit report is inaccurate and is damaging my credit score.

2. 15 U.S. CODE 1666 CORRECTION OF BILLING ERRORS : I have identified several errors on my credit report, including incorrect account balances and missed payments. I have attempted to dispute these errors with the creditor, but they have not corrected them. This is a clear violation of the law.

3. 15 U.S. CODE 1681B PERMISSIBLE PURPOSES OF CONSUMER REPORTS : My credit report has been accessed by companies without a permissible purpose. This is a violation of my privacy rights and the law. 

I am requesting that Equifax LLC promptly investigate these violations and make the necessary corrections to my credit report. I would like to request a copy of my updated credit report and a written confirmation that the corrections have been made. Additionally, I request that Equifax LLC provide me with the names and addresses of all parties who have received my credit report without a permissible purpose. Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Inquiries : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.