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

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 I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX Bankruptcy, Account name : Ideal Auto Sales, Account name : Security Financial. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I disputed the information with the bankruptcy court, XXXX XXXX and XXXX. Bankruptcy court stated they do not verify any bankruptcy open or closed with any third party including pacer. I never gave written permission for anyone or any company to furnish any information on or about me. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy 1 5 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 1 5 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

I am submitting this CFPB Complaint to you today to inform you that you have failed to comply with my request and you continued reporting the fraudulent accounts and information on my Credit File. I have read that under the Fair Credit Reporting Act section 605b, you are required to remove any accounts and information that resulted due to my identity being stolen. However, upon checking my updated Credit Report, no changes were made and that the disputed accounts and information are still being reported! This action of yours is a clear violation of my consumer rights under the mentioned federal law. I need you to remove the following items completely from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If you believe that the disputed accounts and information belong to me, I need you to send me copies of proof of verification or any documents proving your claims. I would also consider you sending me copies of results of your investigation. If you can not send me any of these documents, it will be understood as deletion of the disputed items.
Product: Credit reporting or other personal consumer reports

I have been with the same bank off and on for 8 years. I have an issue with how they quickly dispose of tax records which I will report separately. I have had checking, debit, and savings accounts with them, two of which I closed because there seemed to be fraudulent activities. 

I received a banking history report from both reporting agencies that banks use to open accounts. On one of the reports, I have several open, and deleterious actions regarding the accounts that I've had with this one bank.

I have tried to get an explanation from the local branch, and provided the manager with a copy of the deleterious banking history report, of which she was unaware. I am still trying to get an explanation from this branch, and it's been going on 6 months. I am unable to open any type of account at a different bank. 

I sent an email to their headquarters, and a resolution specialist got in touch with me. She did not provide her last name ; her direct phone number does not accept voice mail messages ; and it's been 3 weeks. 

I don't think I'm overdrawn, but on the banking history report, it said that I was short on the new check print order charge. I provided verbal and written proof that the bank cancelled the checking account and said they would cover the print charges. The bank would not correct this charge on the banking history report, although that particular reporting agency said they had tried to work with the bank regarding the charge. 

I need explanations. The local bank branch says it's because I use a mailing address from a homeless advocacy agency. 

Thank you.
Product: Debt collection

This Company XXXX XXXX added a collection account to my credit report that is well over seven years old. The date stated that it was opened was XX/XX/XXXX but last reported on XX/XX/XXXX.I have made multiple attempts with reaching out to this company to verify debit.I have called received hold music, email and sent a letter to verify the original creditor. On my further research, This company is NOTOROUIS for doing this to other people. They have open lawsuits as well. I sure the reason why I cant get a reply back is because this company knows that the SOL has passed! I have also reported the issue to ALL 3 CREDIT BUREAUS. 



Your Help is Needed and Greatly Appreciated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
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 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 is unacceptable and it raises serious concerns about consumer safety.
Product: Checking or savings account

XX/XX/XXXX th I use my debit card, which left my account at 0, no overdraft, I was getting a deposit that same day, and they close my account for no reason, I have been getting direct deposits 3 of them from social security to my account, and they didnt give me a reason
Product: Credit reporting, credit repair services, or other personal consumer reports

Experience has been giving the law a thorough breaking. 605B of the fair credit reporting act clearly says what the CRA should should do when identity theft is claimed. In subsection A, The law says I have to provide 4 items. 1. Appropriate proof of my identity. 2. A copy of an identity theft report. 3. That myself the consumer identify the fraudulent items that need to be removed from my file. 4. My statement that I did not derive any benefit or caused any of the blocked accounts to be opened. The CRA must block the items I identify in 4 business days or less.

Subsection B- the 2nd part of 605B says the CRA is supposed to notify the furnisher of the information that they're blocking that their reported item has been blocked and it stemmed from identity theft. 30 days to reply.

Subsection C, The 3rd part of 605B, Gives the CRA, 3 reasons where they can rescind or decline a block of information. 1. Error 2. Materially false information from me to request the block. 3. Proof that the consumer received goods, services, or money from the blocked transaction. This law MUST be done in order of A, B, C. Experian refuses to obey the law entirely. They never block in 4 business days or less upon receiving my documents as the law states. Experian acts ABOVE congress and the law, they rewrite the law to fit their breaking of the law. The courts said I need to give Experian a right to remedy. This is it. I will send my NC driver 's license, ss card, the XXXX with the fraud items to be blocked immediately and my state herein. They have 4 days to block here.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XXXX XXXX XXXX  I HAVE NOTICED FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CONSUMERS REPORT AND CREDIT PROFILE
ACCOUNT NAME: XXXX XXXX
6 LATE PAYMENTS
Credit usage XXXX  Balance XXXX
Balance updated XXXX XXXX XXXX  Credit limit
XXXX  Account number
XXXX  Open/closed
Open
Date opened XXXX XXXX, XXXX  Account type
Credit card
Status
Open.
Status updated XXXX XXXX  Highest balance
XXXX
Monthly payment XXXX
Last payment date
XXXX XXXX, 2023
Contact info
Address
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX  Phone number XXXX XXXX
THE DATE OPENED DATE CLOSED AND LAST PAYMENT IS IN ACCURATE ON THE 3 CREDIT BUREAS 
AND ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL...SINCE THIS IS A FRAUD DUE TO IDENTITY THEFT THIS BE REMOVED FROM CREDIT PROFILE AND CONSUMERS REPORT 4 BUSINESS DAYS FROM RECEIPT
Product: Credit card

Hello, my amazon credit card by chase was stolen as with my phone. I filed a fraud claim with chase and they told me they will send me a new card and conduct their investigation. Its been a few months and I havent heard anything back. They were supposed to issue me provisional credit but failed to do that as well. I have been carrying a {$6000.00} balance of fraudulent charges and they seem not to care at all. Ive been making the payments but I find it immensely ridiculous that they seem not to care or follow up. Please help me. I received a letter when I submitted my fraud claim and then nothing else ever came not have they ever contacted me again for any kind of information. I call and they dont seem to have an answer as to why. 

The transactions for the fraud claims were XXXX XXXX XXXX XXXX XXXX XXXX XXXX These XXXX claims I have heard nothing back from.
Product: Credit reporting

My name is XXXX XXXX Not XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report and seen a bunch of stuff that wasn't mines on my credit report like bills, addresses and names. I sent letters and tried calling multiple times to get the negative information deleted but had no luck. I was told to come here and submit a complaint to get help. it has been 2 months now and still no answers from XXXX, Equifax and XXXX
Product: Credit reporting or other personal consumer reports

Today, I had found out that the items I want to removed previously on my dispute remains on my credit file. However, I want to remove it immediately with your help. Per FCRA section 605b, the Credit Bureaus are required to remove any items listed on an identity theft report. Please find the required documents to assist in the deletion of the erroneous information which are being posted on my credit file. I demand that this matter be treated with the utmost urgency and seriousness. The continued presence of fraudulent items after this attempts is unacceptable and reflects gross negligence. For this unresolve issue, I am pleased to ask an immediate help from you to remove as soon as possible these negative items which i do not recognized as truely mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$480.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$770.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$480.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$770.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX.
Product: Money transfer, virtual currency, or money service

RE : PayPal case # XXXX, Merchant ID # XXXX SUMMARY : I sent {$3200.00} to my Nephew on XX/XX/XXXX. This is advertised by PayPal as an " Instant Delivery ''. 
The charge posted to my XXXX on XX/XX/XXXX. PayPal has the funds, but has delayed ( two weeks and counting ) and has still not delivered the payment as advertised and promised. 

On XX/XX/XXXX I made two payments using PayPal to my Nephew, XXXX XXXX. The 1st payment went through just fine. The 2nd payment Transaction ID # XXXX for {$3200.00} was flagged by PayPal as an " Open Dispute '' and a hold was put on delivering the funds. 
On XX/XX/XXXX I was on a 58 minute " chat '' session with XXXX from PayPal in an attempt to resolve PayPal 's concerns. XXXX was not able to answer my specific questions or help resolve the actual problem -- -he only was able to describe PayPal 's resolution processes. 
I can submit a transcript of the on-line chat session if requested. There was a initial problem with one of my funding bank accounts, but it was cleared up immediately and I have two emails dated XX/XX/XXXX and XX/XX/XXXX from the Branch Sales Manager saying the PayPal situation is resolved. 

I immediately submitted and have continued to submit all documents requested by PayPal as follows : Files ( 9 ) [ Add ] Date Sent Type of Documents File Title XX/XX/XXXX XXXX Fax Any Bank Account Statement XX/XX/XXXX FrontDriversLicense-pg-1.pdf Fax Any Bank Account Statement XX/XX/XXXX BackDriversLicense-pg-2.pdf Fax Any Bank Account Statement XX/XX/XXXX XXXX Fax Any Bank Account Statement XX/XX/XXXX XXXX-transactions.pdf Fax Any Bank Account Statement XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Bank Statement XXXX XX/XX/XXXX Bank Statement XXXX My XXXX card was changed on XX/XX/XXXX, so PayPal has collected the funds and I am requesting immediate delivery of {$3200.00} to my Nephew. I can provide copies of Bank emails, Credit card statements, etc to support this complaint if requested.
Product: Vehicle loan or lease

My vehicle loan was being serviced by XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ). I received statements from my company up till the middle of XX/XX/2020. On XX/XX/2020 I sent a payment through XXXX XXXX for the amount of {$410.00} as i typically would. On XX/XX/2020 i called XXXX and they advised me that they no longer serviced my account and it was sent over to another company by the name of XXXX XXXX. I was given a phone number to XXXX XXXX. I called XXXX XXXX and they told me that my account was being serviced by XXXX. For the week and a half I've been in contact with both company 's, XXXX and XXXX XXXX, and they both are telling that don't service my account and I have to call the other. No one from either company can tell me who is servicing my account. I have not received any form of letter from either company explaining to me the status or the update of my account. I was never provided any type communication of whom bought my account or that it was turned over to another company. I've reached out to XXXX and the only response that i get is to call XXXX XXXX. I then spoke with a Supervisor by the name of XXXX whom works for the company Credigy Solutions. Credigy is a contracted by XXXX to service clients over the phone. XXXX stated to me that she would reach out to her analyst to find out if the account is with XXXX or XXXX. I called back and when XXXX was available I would speak with her briefly and she told me that i had to call another phone to XXXX XXXX. I called XXXX XXXX  and they told me that XXXX  has my account and then just transferred me to XXXX. I just keep getting pushed around to someone else. No one can tell who has my account. I don't know if there is an account number but they are able to locate me by my Social Security Number which i provided as the account number in this complaint. Credigy Solutions is  XXXX. XXXX XXXX, XXXX GA XXXX. Phone number XXXX
Product: Payday loan, title loan, or personal loan

So I took out a loan with Title Max. The payment was actually higher than I wanted so I then went to another loan company and this loan company sent a certified check to title max to pay my loan off and the post office attempted to deliver the certified mail where someone had to sign to get it and noone was at office so they left a note saying they attempted to deliver mail. This check sat at the post office from the XXXX through the XXXX with noone trying to go get the mail with the check included. So on the XXXX XXXX from title max called to tell me they still had not received the check from the other finance company to pay off my loan. So I contacted the other loan company and they gave me all documentation that I needed to take to title max to prove from post office they attempted to deliver it on the XXXX of XXXX with no luck. So I took everything to title max proving that and then they went to get check and got it but then proceeded to tell me I needed to pay another XXXX dollars to finish paying it off. The check was wrote for the ten day payoff that was given by store manger XXXX and just because it sat at post office waiting for them to pick it up and didn't they wanted me to pay extra money. So I ask for her boss to call me and XXXX called me back saying he wouldn't call me back cause he had no need to. And I told her I would contact a lawyer and then she proceeded to tell me that her boss said since I wanted to contact the lawyer he wouldn't going to accept the check from the other company to pay off my loan. This is disgusting how this place of business is doing people.
Product: Mortgage

I'm not sure about what category this fits into but my issue is with Wellsfargo Bank and their unethical practices. My wife and myself have been trying to get Wellsfargo, for months, to endorse an Insurance Claim check that we spent the last 2 years fighting for in court and ended up with half the money that was appraised for the fixes that needed to be done. I as well as my wife have tried reasoning with them, explaining that we do not have the money to do the repairs and I even offered for them to be able to come by while the repairs are done to make sure that the issues are being addressed. They have refused time and time again. Wellsfargo sent us a letter stating that we had to send the check to their office and that they would hold on to the money and reimburse us once the repairs are done. This is totally observed being that this money does not belong to them and we need this money to do the repairs on our home. I'm hoping that you can help us or point us in the right direction to who could help. These are bully tactics against the consumers and totally unethical practices. I have spoken with several people that I know and they have had similar issues or problems with Wellsfargo.
Product: Debt collection

Debt not owed. Collection agency illegal stole my identity and reported debt on my consumer credit report without my written consent.
Product: Debt collection

On XX/XX/2023 an apartment complex in Arkansas- the XXXX XXXX XXXX XXXX XXXX -called me to tell me I had rented an apartment. I had not. I told them that they had the wrong person, that I live in Georgia and never been to Arkansas, and therefore had not rented an apartment. They said they would need some information from me to address this situation. Figuring this is a phishing call, I told them I would not be giving out any information. I stressed that they had the wrong person and to stop calling me at the law firm where I work. Today, XX/XX/2023, I received a collection notice from XXXX XXXX XXXX XXXX stating that I owe {$80.00} to XXXX XXXX , an apartment complex in Arkansas. This is a fraudulent claim. I called the number on the notice and when I yet again refused to provide personal information, the woman on the phone started yelling at me. I believe both of these entities are fraudulent and they try to prey upon ordinary people.
Product: Mortgage

We realized XXXX weeks ago that we had no homeowners insurance that was supposed to be paid to XXXX XXXX from fay serving out of our escrow account. These people have had no interest in speaking to us. Our roof needed repair from the XXXX  winds. We went to file a claim and found out we lost our insurance due to non payment of funds in XX/XX/2023! What XXXX  XXXX is wrong with these people. I still dont even know where are house payments are to be made feel like this company owes us money ans a written description of how the plan to communicate with us
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 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

there is a collection agency XXXX XXXX that is on my Experian report. the original creditor is XXXX XXXX at XXXX I do not owe them the amount they claim I do I lived there for 3 years and owed them one months rent, I have tried to pay them several times they will only accept 3 months rent. i do not go with they say I do XXXX and XXXX have investigated and taken It off their reports Experian for some reason will not please help
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2019 I HAVE PREVIOUS SENT IN DISPUTES TO XXXX, XXXX AND EXPERIAN AND the scope of the dispute outlined on a CDV WAS NOT PROVIDED AS REQUIRED BY FCRA 611 ( 15 U.S.C. 1681I ) I NEED THESE ITEMS REMOVED XXXX Account # XXXX XXXX XXXX XXXX XXXX, OH XXXX THIS ACCOUNT HAS NOT BEEN VERIFIED AND NO EARLY WARNING NOTICE WAS GIVEN AND STATES I WAS LATE HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND IT WAS PREVIOUSLY DISPUTED HOWEVER THE DATA FURNISHER NEVER PROVIDED A SCOPE OF HOW THE ITEM WAS INVESTIGATED SO I DEMAND THAT THE LATE BE REMOVED XXXX XXXX Account # XXXX XXXX XXXX  XXXX XXXX XXXXXXXX, NY XXXX BYMAILONLY THIS ACCOUNT HAS NOT BEEN VERIFIED AND NO EARLY WARNING NOTICE WAS GIVEN AND STATES I WAS LATE HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND IT WAS PREVIOUSLY DISPUTED HOWEVER THE DATA FURNISHER NEVER PROVIDED A SCOPE OF HOW THE ITEM WAS INVESTIGATED SO I DEMAND THAT THE LATE BE REMOVED