23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

We are XXXX XXXX. We used the card to purchase items for a job performed in Colorado ( live in wv ) from XX/XX/XXXX to XX/XX/XXXX. When we got back home and got paid for the job we called call center and wanted a balance so we could pay off. They gave us a balance of XXXX. We paid that balance by ck. number XXXX. On or about XX/XX/XXXX we received another bill that was pass due with a whole different account number. We tried calling over the next few days to get info and finally got a hold of someone. They told us what the charge was and we agreed that it was a charge for items we had purchased. Although they couldn't tell us how the ACCOUNT GOT OPENED it was for an item we had purchased. We made arrangements to pay, close the account and the company agreed to drop the late fee because of the confusion. That check was mailed on XXXX and was ck # XXXX which brings us to this morning, XX/XX/XXXX. I received a call form citi bank collections stating that I needed to pay immediately. I told them the story and asked to speak to a supervisor. this is where my complaint comes in. There is no recourse for employees not leaving notes on accounts. There were no notes of when I called in XXXX or XXXX. They never started taking notes on the account until I started requesting employee id numbers. It is a web of transfers that will never get you to any result. If you start catching on your are hung up on. I got hung up on 4 times. After the fourth hang up I began to have an understanding of what was going on. If the collections team didn't like what you had to say they hung up on you. Customer service was no different, I got hung up on there too. I spent 4 hours trying to get to someone that would take my complaint. I have all the names and employee id 's of the people i spoke with.I have closed both my accounts with Citi Bank and would like someone to contact me to speak further on the matter from your organisation. At this point I'm not worried about the bill, I know it will be paid, but the process that business is being performed at the call center needs to change. I will no longer support citi bank but its because of the employees, not the services provided.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX Account XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$16000.00} Late/Open Inquiries in Dispute : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Please review this complaint thoroughly, as it was submitted intentionally and with careful consideration. My credit report contains mixed information, including accounts, transactions, and items that do not belong to me. Despite my efforts to resolve this, the issue persists, causing me considerable stress and XXXX.
Product: Debt collection

Portfolio Recovery Accociates says that I owe them {$7100.00}. I believe this debt to be paid off as it was paid in full to the original creditor XXXX Bank long ago and I believe that this attempt to collect said owed debt is time barred, let alone paid off Portfolio Recovery has also soft pulled my credit reports over the last year
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX   XXXX XXXX  XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I FOUND OUT THAT I WAS A DATA BREACH VICTIM, MOREOVER FOUND OUT SEVERAL ACCOUNT THAT I DO NOT RECOGNIZE .I ASK FOR DELETION OF THOSE ACCOUNTS.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle many times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They told me that recovering lost funds was impossible and that tracking these transactions was not feasible. The CFPB 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 consumer safety.
Product: Debt collection

I have an item on my credit report from Credit Management LP claiming the original debt was with XXXX. I paid this debt in full over 4 years ago and returned all the equipment. Credit Management LP also claims this debt started on XX/XX/XXXX of XXXX I have not had a XXXX Account in over 4 years.
Product: Debt collection

This company represents XXXX XXXX. I paid XXXX XXXX directly the {$110.00} they said was owed. I never received any correspondence from Caine and Wiener. I noticed their information when I was denied my HOME loan based off of their entry to my credit profile.Someone please help. I have made a complaint and a formal dispute with Caine & Weiner, XXXX, and Attorney General of California, Georgia, and Texas. My end resolution is to get this entry deleted.
Product: Debt collection

harassing family members, my wife and daughter, on separate phone calls, their private numbers, with lean against our home to obtain personal information. I called to try to discuss and they hung up on me, responding they didn't have to give me information and I obviously wasn't going to pay so they are just going to file a judgment.
Product: Credit reporting or other personal consumer reports

My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 5 USC 1681b.They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days. Also

15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C .1681 Section 604 A Section 2 : It also sta
tes a consumer reporting agency can not furnish a account without my written instructions.

These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. see attachments
Product: Debt collection

On XXXX at XXXX I received a call from a women who stated she worked for D2 Management and asked could she speak to XXXX XXXX . I responded by asking the lady who is she and what does her company do? She responded and said the company is a 3rd party who collects debt on behalf of their client and I stopped her and told her I am not sure who she is and to stop calling and she proceeded to ask if the last 4 of my social was XXXX  and I disconnected the call. Later that day I received an email from the same company saying they were trying to collect a debt.
Product: Debt collection

On XX/XX/XXXX I entered into a MEMBERSHIP  CONTRACT with XXXX  ( XXXX FL ) a XXXX   whole buying club, membership cost was {$5300.00} XXXX total cost {$7500.00} ), after the contract was signed I was granted access to the their inventory, however I quickly realized that the items I wanted to purchase were " no longer available ''. 
I short time later I got laid off from my job and was not able to make membership payments. 

Today SECURITY CREDIT SERVICE account number XXXX owns the dept which totals {$5700.00} and on my credit profile does not state that the purchase was made from XX/XX/XXXX it shows the date the debt was purchased from XXXX XXXX XXXX on XX/XX/XXXX. 

In the state of florida were he purchase was made the statues of limitation on contracts is 5 years I am requesting this debt be removed from my credit profile. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and TransUnion credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX  XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX Balance : {$360.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I requested a copy of my credit report, that whens it came to my attention that I have an inquiry of my report that I did not authorize. I sent a certified letter dated XX/XX/XXXX to XXXX XXXX XXXX XXXX requesting to provide me with a copy of any documentation associated with this account bearing my signature authorizing an inquiry. A 2nd certified letter dated XX/XX/XXXX was sent attempting a last goodwill gesture to contact the credit reporting bureau about the erroneous reporting on their behalf. I also sent a certified letter dated XX/XX/XXXX to Experian requesting the same information and nothing has been done by either XXXX XXXX or Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute XXXX shows that it was completed but I can not get a copy of what the results were. As you can see by the attachment there is supposed to be a PDF download and there is never a PDF download with any of my disputes for me to view. They are required to keep them online for 30 days the dispute was just completed on XX/XX/XXXX and there is no PDF download. I have no idea of the results and they won't tell me over the phone.
Product: Credit reporting or other personal consumer reports

I sent disputes to XXXX, Equifax, and XXXX regarding incorrect information on my credit report. I listed the accounts and pointed out the violations in my consumer report. It's been over 30 days, and I haven't received a response. Attached are copies of all the letters I sent.

This company has violated FCRA Section 623 ( a ) ( b ) by not marking the disputed account as disputed. Additionally, Section 605 ( c ) has been violated due to incorrect reporting of the last activity date, which should reflect the last payment made.

The company has also failed to validate the collection account, violating FDCPA Section 809 ( b ), according to the FTC 's opinion.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX FIN XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( XXXX  ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights
Product: Mortgage

We lost our home 2011 due to Wells Fargo denied to refinance our house
Product: Checking or savings account

I opened a Citibank regular checking and savings account on XX/XX/18 under a {$400.00} account opening promotion after meeting certain requirements. The account was approved on XX/XX/18. During the account opening process, I transferred {$14000.00} and {$100.00} from an external bank account into the Citi 's checking and savings account respectively. I received my debit card late XXXX and made a {$500.00} deposit via Citi 's Mobile Check Deposit on XX/XX/18. Then around mid-XXXX, I received a physical check for {$14000.00} from Citi. I try to login to my account online to research the strange check but was unable to access my account. All of my access to Cit 's credit card account were locked as well at this time. I contacted customer service for support on XX/XX/18 and a rep explained to me my account was closed effective XX/XX/18 without providing a reason and stated they already sent me a physical mail to explain the actions. He hinted that it has something to do with the overwhelming demand for the {$400.00} account promotion. I told him I have not received the letter and would like to get an explanation. He keep on repeating that the account is already closed and there was nothing he can do. Unfortunately a Citi branch is XXXX miles away so I could not visit a branch for assistance. I deposited {$15000.00} into my Citi accounts but only received a check for {$14000.00} without interest. The interest on these accounts are 0.03 % and 2 %, respectively. When depositing the {$14000.00} check from Citi, there was a 7 business day hold. Even though the deposit method is the same, I have not received the {$100.00} from my savings account and I am also missing {$500.00} from my checking account. The phone rep stated they have already issued {$600.00} credits to the original banking source and it has been almost two weeks and I have yet to receive the money held by Citi. Due to the held funds, I have incurred financial hardship to pay my bill and was charge with {$32.00} in NSF fee by another financial institution. I have met all the requirements under the {$400.00} bank account opening promotion except the account must stay open for 60 days. Citi closed my account on the 44 day to reneg on the promotion.
Product: Bank account or service

Comerica XXXX Bank XXXX was entrusted to be my mothers mineral rights trustee and managed the trust from XXXX/XXXX/XXXX thru, upon their resignation date of XXXX/XXXX/XXXX. As successor trustee I reconciled the trusts known income and known distributions during this timeframe with our CPA and have come to the conclusion that Comerica embezzled {$47000.00} for the XXXX tax year. After their resignation and all transaction we completed thru XXXX/XXXX/XXXX, I formally sent them a 'notice of accounting objection ' with still no response and we determined the exact balance of {$38000.00} still owed the trust as we speak.
Product: Debt collection

XXXX XXXX charged off my credit card without notifying me in 2018. When I called them they said it was too late. 

I've received relentless calls from the debt collection agency who has taken over the debt. 
I've told them on several occasions I wasn't going to pay the debt because I disputed it and to please stop calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that as of XX/XX/2022 as listed on my most recently reviewed consumer report, there are fraudulent accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX  XXXX {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX {$340.00} This is a direct violation of my rights as a consumer under 15 usc 1681i ( a ) ( 1 ) ( a )!
Product: Debt collection

I haven't received much information about my debt. I would like the original paperwork with my signature.
Product: Credit card or prepaid card

Ive never had a XXXX XXXX XXXX and Ive always wanted one. I didnt recieve goods or services from my credit account listed I unauthorized these avctivitys and didnt apply for this or agree to give autherised permission for my credit history. Please erase these fraud credit charges and account charge offs collected for {$610.00} im trying to apply for a target red card its a emergency if you let me get a red card I wsnt a target visa credit card to use for life I want to switch to target visa credit card instead of XXXX XXXX I get XXXX XXXX need a ballance transfer to my social security number is XXXX caid # is XXXX birth place is XXXX, ca XXXX madam name is XXXX my address is XXXX XXXX XXXX XXXX ca ( XXXX XXXX is XXXX zip code is XXXX ) I make XXXX XXXX dollars each year and I also want a I phone XXXX XXXX XXXX XXXX XXXX XXXX buy my assessors on my own thanks Ill be XXXX  after then thanks
Product: Credit card or prepaid card

Fraudulent activity on my account, missing {$580.00} that was not authorized, by me.I called the company, to report the unauthorized activity, on XX/XX/2019. Company informed me, they could not stop the transaction in the middle of it happening, and to call back in 5 days.I then called them back in 5 days, on XX/XX/2019. I said, " I enjoyed the XXXX XXXX  music, while on hold, but want to authorize them to file a dispute, with whoever it was that took money from my account, without my authorization.I was told that they could not hear me. I know I was being heard, nothing was wrong with my phone. They said, since they could not hear my response of authorization, to have a nice day, and hung up on me. The company name, is as followed ; XXXX XXXX @ XXXX. I spoke with, customer service, representative. Thank you for your attention to this matter.
Product: Credit reporting 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. 
Account name : XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX and # XXXX, Account name : XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX  XXXX # XXXX Account name XXXX XXXX XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX # XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX  # XXXX Account name : XXXX XXXX  XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 


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: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues which may violate the Electronic Funds Transfer ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it XXXX concern, My name is XXXX XXXX. I have written to your company on XX/XX/XXXX. In Regards to an extended fraud alert or fraud alert being placed on my account in which I was not authorized for on my behalf nor was I notified about this until I tried to log into my account and was denied access to my credit report. My credit report should be available to me at all times due to me being a consumer. Not only have I contacted the company on the phone to resolve this matter. I spoke with an employee on XX/XX/XXXX named XXXX user number XXXX case number XXXX. She stated someone will be in contact to get this matter resolved. No one from this company has reached out. According to the FCRA Law 605A and 605B this is a violation of my right to access my credit report. I will be filing a complaint with the CFPB about these matters concerning this illegal activity being performed by the company. 

Thank you, XXXX XXXX