23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This was about 20 years ago. I dont remember the dates. But I do know I went through them to repair my credit. They charge me and never fixed anything.
Product: Money transfer, virtual currency, or money service

I called XXXX spoke to Zelle Agent XXXX he remoted into my bank account thri XXXX  while talking he called me from XXXX. Asked me to go to Transfer money to XXXX XXXX at XXXX. Then he opened my XXXX XXXX, XXXX & XXXX XXXX when I realized he was scamming me after he asked for my XXXX account. Told him this was not normal why he was doing this when I told him I was a victim of identity theft. He immediately hung up on me. Called him back and supervisor who answered said he was with another client
Product: Debt collection

this is my 3rd time requesting investigation and will be filing litigation against this company for trying to collect on a debt after I sent a cease and desist letter demanding verification on this debt. They still have NOT fulfilled their obligation By FEDERal LAW 15 U.S.C.1692g. A Simple Contract is NOT VALIDATION they were supposed to send me They have also damaged my consumer report by reporting false information After I sent them a cease and desist to stop communicating with me through ANY medium. My Consumer Report is in FACT a Medium that they did not stop communicating with, which now makes XXXX XXXX XXXX is in Violation of the Fair Debt Collection Practices ACT as well as TRUTH IN LENDING ACT for not providing me a clear and conspicuously disclosure of my right to rescind the transaction. I Have Been Stuck paying on an alleged debt since XX/XX/2018 and I am tired of the abusive practices they have been taking to collect on an alleged, invalidated debt They also have me believe that I had to put cash down on a finance charge which is false and violation of 1XXXX XXXX XXXX of the Truth In Lending ACT see attached labeled exhibit C for proof. 

There was never supposed to be any cash involved in a finance charge because it is ALL Credit. so i the consumer extended credit to their business for them to extend it back to me. That was the even exchange was the credit. they were false and misleading me from the beginning. 
That is considered Money Laundering and Defrauding the United States and is a punishable crime I WILL BE FILING A COMPLAINT XXXX XXXX, XXXX, AND THE ATTORNEY GENERAL
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} TXXXX XXXX XXXX Balance : {$12.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$230.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX : {$420.00} XXXX XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX
Product: Debt collection

I have sent out validation letter asking them to validate al the information I asked for in my letter.They sent back a copy of a computer generated printout, that does not in no way abide in accordance with the fdpca. 

They will not properly validate the debt..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, DEPT OF ED/XXXX has violated my rights. Regarding alleged accounts # XXXX, XXXX, and 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. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th attempt to get this matter resolved. I've submitted 3 previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. Experian has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with Experian. These accounts were opened fraudulently. I informed them of the issue & provided them with the required documents to block/remove the accounts via FCRA Section 605b XXXX They have failed to block the accounts, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following accounts removed from my report ASAP. Here are the names of the data furnishers & the account # 's - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am reaching out to remove the following information in my file. The items I need removed are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, in addition I have enclosed copies of the Federal Trade Commissions 's Identity Theft Affidavit. Please remove the items as soon as possible.
Product: Money transfer, virtual currency, or money service

I have opened an account on Wise, an international money service. I have added {$20.00} to the account... however, they are not giving me full account access. I am unable to make any money requests without providing a social security number. 

I have provided my social security number repeatedly. The information is 100 % correct, however Wise is not verifying my account.
Product: Credit card or prepaid card

During  XXXX  I was being treated by   XXXX   XXXX   XXXX   in   XXXX   TX., for what they termed as a   XXXX   XXXX   XXXX   but offered shots to return the majority of the   XXXX   XXXX   XXXX   XXXX   XXXX  . I agreed to the shots directly into my  XXXX . The first shot proved to do nothing as did the second and third. I went to another   XXXX   XXXX   but this time to a  XXXX . He   XXXX   XXXX   into my system and showed me on a computer screen the interior of my   XXXX   XXXX  . He stated that they had diagnosed me incorrectly and further explained why the injections they gave me did not work. They were the wrong medication and should of never been injected into my  XXXX . I contacted AMERICAN EXPRESS and explained the situation and they charged back the merchant. Soon after they AMERICAN EXPRESS put the charges back on my account. I then sent detailed correspondence to them and called and they removed again. Shortly thereafter they put the charges back on my account. This went on for six occurrences. I continued the process and the disputes and they AMERICAN EXPRESS began to ignore me. When I would call they would refer to my dispute calls to collection where i was harassed as to when I would pay my bill. Then the letters came telling me they were going to closed my account, write it off as bad debt and turn me over to collections. They would no longer have conversation with me.  XX/XX/XXXX  they did just that, they wrote it off and turned it over to   XXXX   XXXX   who I wrote and explained the situation. AMERICAN EXPRESS then turned it over to another collection firm in  XXXX , GA. Now they have some woman calling about 20 times a day from  XXXX , a number in the greater  XXXX  area.
AMERICAN EXPRESS needs to do the right thing and charge back   XXXX   XXXX   XXXX   permanently, credit my account and remove the damaging derogatory status from the  XXXX  (   XXXX   ) credit bureaus.
My dispute was of just cause and was and is not frivolous.
Thank you for your time and your anticipated assistance.
Product: Checking or savings account

On XXXX, I called personal line credit about payment was due on the same day. I told them Please Do not take any funds out of the accound because there no funds in the checking account. After they agree to not do that. The next following day they did take out XXXX dollars out for the payment told them not to. 

At the same time this new account was made for reburisment funds for fruad insident. It was not made to pay bills or anything else that has to do with banking. Now the account reads negative XXXX dollars that Wells Fargo inform
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many inquiries to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

So in 2020 during covid 19 I was out of work for 11 months and fell behind on a few car payments through bridgcrest in wich I have 3 late payments on my credit report for all 3 credit bureaus in the past 2? 5 yearss I have been back to work and haven't been delinquent one time I spoke with bridgrest the tell me there not allowed to request the late payments be removed from my credit report. There really hurting my score rite now and I need to get approved for a new home in less than 2 months I've tried everything please help!
Product: Debt collection

When I left XXXX XXXX XXXX cable and phone service, all they wanted was their equipment so they would n't have to put it on my credit report. I gave XXXX XXXX XXXX all their equipment cable boxes, wires, and etc ... I ask them was we in good standards and they said yes. I check my credit report back in XXXX of 2016 and notice I had a debt from a collection company call AFNI on behalf of XXXX XXXX XXXX. I disputed the debt with all XXXX Credit Bureau and AFNI refuse to remove this debt off my credit report, their reason was XXXX XXXX XXXX said I owed the debt, but AFNI could n't prove it. I called AFNI on XXXX XXXX, 2016 and explained my situation, AFNI said yes we have received a couple of dispute from all XXXX Credit Bureau, but XXXX XXXX XXXX wo n't respond to your dispute or provide any proof since XXXX of 2016 we have not gotten any answers from them. Basically AFNI has been lying to all XXXX Credit Bureau saying they made contact with XXXX XXXX XXXX, which they have not. AFNI is a very dishonest company, from my understand if a company do n't make contact with in 30 days in a written statement or showing proof, the debt should be removed, it has been 4 months. My contract was with XXXX XXXX XXXX not AFNI which is a very dishonest collection company. I need removed off my credit ASAP ...
Product: Mortgage

I have an FHA, federal government mortgage, which Carrington is the administrator on. Under the CARES ACT Carrington is delaying my mortgage for three months. At the end of three months Carrington states I will need to re apply. Due to my client base not paying me now I am having trouble paying the mortgage. With a government backed mortgage I am requesting that the missed payments, up to 12, be applied to the back of the loan extending the loan for an additional 12 months. This would include all escrow amounts including pmi, insurance, and property taxes. 
Carrington has refused to follow the Cares Act for government backed mortgages. I received an invoice today listing last months payment as over due and that I need to pay two mortgage payments by XX/XX/XXXX. This is even with their letter stating my mortgage was under the forbearance provisions of the CARES ACT. 
Only with a conventional loan, not a government backed mortgage can Carrington force me to pay a lump sum at the end of the forbearance period. Carrington is in violation of the CARES ACT for government backed mortgages. 
Please assist. 
Thanks, 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 Child Support # XXXX ( Texas Child Support XXXX ), XXXX XXXX # XXXX XXXX XXXX 5326, has violated my rights.

15 USC 1681 section 602A states I have the right to privacy.

15 USC 16816 and 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C ( 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 7 years.

15 USC 1681 S-2A1 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. 
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.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Transworld Systems Inc regarding their attempts to collect a debt of {$980.00} allegedly owed to XXXX XXXX. Transworld Systems Inc has inaccurately claimed that the account was opened on XX/XX/XXXX, which contradicts the fact that I was with XXXX XXXX XXXX as a longstanding customer as of XX/XX/XXXX. This misinformation constitutes fraudulent and incorrect reporting. 

The actions of Transworld Systems Inc are in violation of the Fair Debt Collection Practices Act ( FDCPA ) which prohibits the use of false, deceptive, or misleading representation in debt collection, as well as the Fair Credit Reporting Act ( FCRA ) which mandates accurate reporting of consumer information. Furthermore, their failure to respond to my dispute, filed on XX/XX/XXXX, is a violation of the FCRA 's requirement to investigate and respond to consumer disputes in a timely manner. 

I hereby request that Transworld Systems Inc verify the validity of the debt owed to XXXX XXXX and promptly remove any fraudulent reporting from my credit report. Despite multiple attempts to resolve this matter, I have received no response from Transworld Systems Inc as of the date of this complaint, XX/XX/XXXX. 

I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and take appropriate action against Transworld Systems Inc to ensure compliance with federal consumer protection laws. 

Thank you for your attention to this matter. 

Sincerely, 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 recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times & reporting discrepancies, my financial institution & Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible & tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle had not only neglected to protect consumers but had also allowed repeat offenders to exploit the system. Leaving users vulnerable to scams. This lack of accountability & transparency is unacceptable & raises concerns about my safety as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the TransUnion Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 1. XXXX  XXXX XXXX Balance : {$0.00} 2. XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX Date of inquiry XX/XX/XXXX 4. XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX Date of inquiry XX/XX/XXXX 6. XXXX Date of inquiry XX/XX/XXXX 7. XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry10/01/2021 10. XXXX  Date of inquiryXXXX 11. XXXX XXXX Date of inquiry XX/XX/XXXX 12. XXXX XXXX Date of inquiryXXXX 13. XXXX XXXX Date of inquiry XX/XX/XXXX 14. XXXX Date of inquiry XX/XX/XXXX 15. XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I sent a letter to snap on to validate a debt they are reporting on my credit. I sent the letter to the address that they provided to the credit reporting agencies, and the letter was returned for insufficient address. The FCRA prohibits furnishers from providing information to a consumer reporting agency ( CRA ) that they know ( or consciously avoid knowing ) is inaccurate. 
I sent all three Credit reporting agencies a letter and proof that the letter was returned and they took zero action and it's still reporting on my credit report. This is a huge FCRA violation and this account needs to be removed. 

Ive included all letters written including the letter that was returned for the second time In XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX Balance {$1900.00} XXXX XXXX XXXXXXXX Balance {$940.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XX/XX/year>
Product: Prepaid card

The Prepaid Debit Card was provided for FMLA benefits and there was an issue with a transfer I initiated on XX/XX/2023. I transferred {$3100.00} to my personal XXXX account, which I had closed previously, and because of that, I did get the money. but the money should be returned to the money network bank, because the account was closed. 

I have reached out to both companies ( XXXX and Money Network ), but they keep saying the money is not there. 

Money Network is not able to provide the ACH trace number to XXXX to track the transaction. Every time I call them, they put me on hold for 30-60 minutes with no response
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX. I live at XXXX XXXX XXXX XXXX PA XXXX. 
I am contracting the bureaus Experian today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal trade Commissions identity theft affidavit.
Product: Credit reporting or other personal consumer reports

After reviewing and studying the Fair Credit Reporting Act, I found a law called 15 USC 1681 section 602 a, which says credit reporting agencies like Equifax, XXXX and XXXX, must treat people fairly, be impartial, and respect their privacy. I'm one of those people, the consumer, and I have the right to make sure my private information isn't shared, as backed by 15 USC 6801. This law states that every financial institution, including those " Furnishers of information to credit agencies, '' has an obligation to protect my privacy and the security of my personal information. 

I found another law, 15 USC 1681 section 604 a section 2, that says these credit agencies can only share my information if I tell them in writing that it's okay. But they never got my written permission. Additionally, I have student loans with XXXX, and they have reported information about my loans without my explicit consent. 

I found yet another law, 15 USC 1681C ( a ) ( 5 ), stating that these agencies can't keep sharing negative information about my financial history without my permission, unless it's criminal records older than seven years. But they're doing that, and it's against the law. 

Regarding my closed XXXX account, they shouldn't be reporting it negatively without my permission, which is also protected by 15 USC 1681C ( a ) ( 5 ). 

Also, 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states that if someone knows that the info they're giving to the credit agencies is wrong, they're not supposed to do it. And 15 U.S. Code 1681e says these agencies are supposed to have good procedures to make sure they follow the rules. But it seems like Equifax, XXXX and XXXX aren't doing that. 

All of these so called debt collection agencies, XXXX and XXXX alike are committing securities fraud. According to 12 CFR 1016.7 states that I can say " stop sharing my information '' at any time. So, I'm telling them to stop reporting this information without my proper consent. These are the following agencies I would like to opt out of sharing my information with, including but not limited to : *XXXX XXXX XXXX ( AXXXX XXXX XXXX ) *XXXX  * XXXX * XXXX XXXX XXXXXXXX My XXXX account is collectively over {$39000.00} and my XXXX account is {$260.00}