23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have never opened or gave permission for anyone to use my information to obtain a store credit card in my name. This XXXX Credit Card account was opened without my knowledge. I have been away at college since XXXX living in XXXX XXXX until XXXX and transferred to another college in XXXX XXXX XXXX. I maintained my own residence off campus. I am attaching prior and current lease agreements to show I was not a resident at the address this credit card was sent to. This account was opened fraudulently. I just resolved a XXXX XXXX XXXX  credit card as fraud through the courts that is pending a dismissal of the suit and received notice that all three major credit bureaus have been update to reflect as such. If you provide me with the date of last payment I can provide proof that the bank account ending in XXXX did not bare my name and was not mine. This is the information I used to show XXXX XXXX I did not owe this debt. I also had a notarized document from the person who opened this account without my consent for that merchant
Product: Debt collection

A fraudulent company called XXXX keeps calling me and requesting for me to call them back. They have been calling me for over a year. I do not know what it pertains to, but I did a search on them by XXXX  XXXX scam, and the XXXX XXXX XXXX appeared with multiple complaints saying the same thing. The complaints say that the company is a scam, and they are not a legit company. Like most Scammers, this company keeps calling me as is the case with those other complaints. If this was a legit company, I would have received a letter with supporting documentation. I don't owe anyone anything. I keep all my bills current. They have called me many times!!! Their most recent phone call was yesterday, XX/XX/2023, and a woman named XXXX left me a message requesting that I call her back at XXXX. I have yet to have any communication with this " company '' because I already know they are scammers. I have never received anything in the mail. I do not want to get on the phone with them because they might record me such that they ask a question, and I respond, and then later they re-record the conversation with a response that seems like I agree with them. Again, I have never had any communication with them ever! I am not sure where they are located, but I think they may be in XXXX. Please help!
Product: Credit reporting or other personal consumer reports

I am filing this complaint against EXPERIAN due to a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 
Recently I discovered that the XXXX XXXX Account Number : XXXX, which was previously deleted from my credit report, has been reinserted without proper certification of accuracy or notification to me, as required by law. 
Under FCRA Section 611 ( a ) ( 5 ) ( B ), the following requirements must be met when reinserting deleted information into a consumers credit file : 1. Certification of Accuracy : The consumer reporting agency may not reinsert deleted information unless the furnisher of the information certifies that the information is complete and accurate. I have not been provided with any evidence that such certification was received.

2. Written Notice to the Consumer : The consumer reporting agency must notify the consumer within 5 business days of the reinsertion. I have not received any written notification from EXPERIAN regarding the reinsertion of this account.

3. Disclosure of Furnisher Details : The agency must provide the name, address, and contact information of the furnisher, as well as notify me of my right to add a statement disputing the information. This information has not been provided to me.

This reinsertion has caused significant harm to my credit profile and violates my rights as outlined by federal law.

The reinsertion of this account into my credit file without meeting the requirements of the FCRA constitutes a violation of my rights. I respectfully request the CFPBs assistance to ensure EXPERIAN resolves this issue promptly and complies with all applicable laws. I KINDLY REQUEST THAT EXPERIAN REFRAIN FROM SENDING ME GENERIC OR AUTOMATED RESPONSES. I AM ACTING SOLELY ON MY OWN BEHALF IN THIS MATTER, AND AM NOT USING THE SERVICES OF ANY CREDIT REPAIR ORGANIZATION OR THIRD PARTY TO HANDLE THIS DISPUTE. 
Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did numerous disputes with Transunion about items/inquiries on my credit report that did not belong to me. Transunion falsely claim the accounts belong to me without any physical proof being mail to my address on file. I demand that Transunion remove these items from my credit report as the items/inquiries are damaging my credit report. 

Collections XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I did numerous disputes with XXXX about items/inquiries on my credit report that did not belong to me. XXXX falsely claim the accounts belong to me without any physical proof being mail to my address on file. I demand that XXXX remove these items from my credit report as the items/inquiries are damaging my credit report. 

Collections XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX I did numerous disputes with XXXX about items/inquiries on my credit report that did not belong to me. XXXX falsely claim the accounts belong to me without any physical proof being mail to my address on file. I demand that XXXX remove these items from my credit report as the items/inquiries are damaging my credit report. 

Collections XXXX. XXXX XXXX. XXXX 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

I reviewed my Consumer Reports and noticed that I had four late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX [ # XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting or other personal consumer reports

Subject : Disagreement with XXXXXXXX XXXX Response - NCS Dispute Dear CFPB, I am writing to formally disagree with Experians response regarding the issue with National Credit Systems ( NCS ). XXXX failed to ensure that NCS completed the required information on the form I provided. It appears that XXXX took NCSs word at face value without verifying the details. 

This is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g, which mandates that a claim be disputed and proper validation requested. This matter remains unresolved, and XXXX is attempting to avoid responsibility by accepting false claims from NCS without proper verification. XXXX failed to have the debt verification form filled out which would clearly show NCS false information.

Moreover, NCS is reporting an incorrect date for when the account was opened, allowing them to continue to unlawfully keep the account on my record. I will continue to file complaints until this issue is fully resolved and the necessary corrections are made.

Thank you for your attention to this matter. 

Sincerely, 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 failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about the consumers safety.
Product: Debt collection

On XX/XX/XXXX, I received a phone call from a representative at WD Global Group stating they were calling to collect on behalf of the payday loan company XXXX XXXX ( XXXX ). The representative inquired as to why I hadn't paid the debt. I told them I started to pay it off however I had two companies calling me trying to collect on the same debt and because neither of them could provide proof they were authorized to collect payment from me for said debt, I stopped. I was not about to pay two different companies in full twice for the same debt. The representative told me if I did not settle that day they would be forced to pursue legal action against me. I decided since I did have the money to pay the debt off and asked the rep to send me an email with proof that the debt had been paid off. I was told that I would receive a receipt of payment via email ( I can not find the email stating that my debt had been paid off although I do vaguely recall seeing one. ) I made a payment arrangement for {$260.00} ( original debt was for {$220.00} ) was withdrawn from my checking account on XX/XX/XXXX ( my statement shows the exact time and date for withdrawal as XX/XX/XXXX, at XXXX XXXX ). I didn't think anything of it until mid-XX/XX/XXXX when I received a phone call from another collection company by the name of XXXX XXXX claiming I owed them for the very same pay day loan. The call started off as a threat from the XXXX XXXX XXXX XXXX XXXX demanding to speak to my landlord regarding this debt. I started digging through some old debt collection papers and came across one of the original letters from XXXX XXXX and the original collection company that took over this debt, XXXX XXXX XXXX. I reached out to XXXX to inquire if they still owned my debt and asked them to provide proof. I let them know that both WD Global Group and XXXX XXXX XXXX were portraying themselves as authorized to collect on this debt and that WD Global Group had collected from me. They informed me that they did indeed still own the debt and have since XXXX. Based on my phone conversations, emails and the provided proof XXXX sent me via email and in the mail, I realized that I had been scammed. I sent a validation letter, a copy of XXXX 's email stating they owned the XXXX XXXX debt, an original letter from XXXX XXXX, and a copy of my XX/XX/XXXX bank statement showing where my payment had been withdrawn via certified mail to WD Global Group on XX/XX/XXXX. They have yet to respond. In addition to contacting them via certified mail, I have called their office multiple times and left messages in the last month and a half. They have not picked up the phone nor returned any of my calls or any emails I've sent them to this day. I am reporting this matter to CFPB in hopes of getting a refund and make other consumers aware of these debt collectors that prey on people they are not authorized to collect from. Ask as many questions as you can, educate yourself on fair credit reporting and practices, and demand these companies verify and validate all debt to avoid being scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked you to disclose your method of verification on the alleged bankruptcy you are reporting. You then replied to me with the enclosed Notfication claiming that the bankruptcy was verified by the Bankruptcy XXXX. 

Appalled by that information, I went directly to Bankruptcy Courts and in response to my inquiry they claim to have never verified this item with you and provided me the enclosed letter. This would mean this bankruptcy is by law considered XXXX. 

I AM AWARE, THE FCRA STATES THE FOLLOWING : A XXXX must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the XXXX is not required to remove accurate data from your file unless it is outdated or can not be verified. 

I have enclosed the XXXX letter for your inspection. Please DELETE this item from my credit reports as it is NOT verified! 

The XXXX and XXXX XXXX VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 

Please send me an updated copy of my report once the bankruptcy is DELETED.
Product: Credit reporting or other personal consumer reports

These accounts below are paided off. Please update credit report. 

XXXX XXXX Last reported XX/XX/year> {$2600.00} Open balance {$5000.00} Credit limit XXXX XXXX {$36000.00} Reported balance XXXX days ago XXXX XXXX {$32000.00} Reported balance XXXX days ago
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 XXXX bank purchased my bank XXXX. I had an Experian account, I contacted them to inform them of this transaction. At which point they canceled my " boost '' and lowered my credit score by over 100 points. I have never been able to straighten this matter out with Experian. Nothing on my bank account changed. It's the same information as my XXXX account, but Experian says they can't update my information. I had to purchase XXXX after one of the Experian supervisors had me email my personal information to their customer service department. I have tried for the last four months to resolve this situation with Experian. I worked very hard for two years to get my credit score where it was, to have it lowered due to Experian 's negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act a list of accounts below has violated my federally protected consumer rights to privacy to privacy and confidential under 15 U.S.C Accounts XXXX XXXXXXXXXXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX U.S.C 1681 Section 602 A. states I have the right to privacy 15 U.S.C 1681 Section 604 A. It also states 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 reports containing any of the following items of information other than records of convictions of crime which antedate the report by more than XXXX XXXX 15 U.S.C 1681 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any 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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX

Account # 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 card

I'm needing the line of credit that this business credit card is supposed to have as well as it should be more than a {$3000.00} credit limit I didn't even get the extra {$3000.00} that was sent in a letter to me. I need a line of credit and or a credit increase to {$8000.00} this card is actually suppose to have a line of credit up to {$250000.00} technically card a wire transfer be done from the Treasury account that's connected to my business account something needs to be done.
Product: Debt collection

I am writing this letter due to the actions that Firstsource Advantage , LLC has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to. 

I have recently sent them another letter on XX/XX/2022 after carefully scrutinizing my credit report. They have failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. 

It is incumbent upon them under the law they prove that they have the legal right to collect this debt from me, and that they are allowed to do so in the state of North Carolina. What they have provided me with is a statement with the original creditors details, as well as information stating that they are attempting to collect a debt that XXXX XXXX XXXX XXXX XXXX is also claiming that I owe to them as well. This is not a validation of debt letter containing a contract bearing my personal wet signature as proof that I hold this contract with their company or with XXXX XXXX XXXX XXXX XXXX XXXX 

They are using unfair and deceptive practices in order to collect a debt for which I did not have a contractual obligation with Firstsource Advantage , LLC, and that they have purchased from the original creditor. 

For the above reasons, I have decided to file a complaint with Consumer Financial Protection Bureau for the immediate removal of this inaccurate information from my credit report. 
Sincerely yours, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off on XX/XX/2022 my tracking number is XXXX. To remove personal information that I dont want on my credit report. According to the fair credit reporting at 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information to third-party people. These are clear violations of my federally protected consumer rights.
Product: Money transfer, virtual currency, or money service

I submitted an inquiry about buying a puppy from XXXX. Received an email, decided to purchase puppy for {$650.00}. Was sent an invoice and asked to send payment via zelle.  Sent payment, recieved an actual confirmation with a website and tracking number, but was also told another {$900.00} " refundable '' amount was needed to ship the puppy in a ventilation crate. First invoice stated all inclusive. They wanted the money sent to them via zelle again, but I would receive the refund cash upon safe delivery of the puppy. I refused to send them the money, since I couldn't get a response and explanation from the shipping company. Now I get no reponse from the company, zelle has no fraud protection and I've lost {$650.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$120.00} XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$5600.00} 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 XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Good leap Finacial approved for a loan to do solar and XXXX contractor fail to perform the solar, the contractor redid the contract. see attachements i filed a complaint against the Contractor and email and certified letter to Good leap not to pay the contractor but my email and letter was ignore. 
Good Leap never contacted me to open the account, never contacted me to signed any paperwork, never contacted to verified that the work is all completed before realizing the payments. 

since XX/XX/XXXX my lawyers WestonlawPC has been in contact with XXXX XXXX XXXX XXXX lawyer and my lawyers asking to hold off on any invoicing since work has not completed. see emails. 

also, i am attaching all communication that the works has not been completed and the i emailed XXXX XXXX Executive Vice president of Good leap to hold off on payments back on XXXX of XX/XX/XXXX with no response.also letteing her know that the contract was for a different amount that was financed {$47000.00} not {$55000.00} since the contract was change. 

XXXX Cassettes were installed wrong from, XXXX  condensers were installed wrong all this happened in XXXX and never corrected, finishing installing some other items but never had this resolved.