23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/2023 I purchased a piece of furniture for {$2600.00} from XXXX XXXX. The purchase was made via my Chase credit card. 
The order form stated a delivery date of late XXXX - early XX/XX/2023. As of XX/XX/2023 the item was not delivered. I contacted the company and was told the item would be sent in XXXX. The item never came. I contacted the company again and was told it would be delivered in XXXX. Come XXXX the item never came. I contacted the company and was told maybe next month. At this point the company was not giving me an estimated date, and I felt the like the order was a fraud. I told the company in an email, " unacceptable '' I know longer want the merchandise. It was months past the delivery date. I did not get a response. 
Come XX/XX/XXXX, the company dropped the item off at my house. I did not sign for it. I contacted the store, and they are currently in XXXX  XXXX. They are now run by a liquidation company. I called my credit card Chase to dispute the purchase. Chase opened the dispute under the category " item not received ''. The company provided the deliver date and Chase closed my dispute. I reopened the dispute, telling Chase all of the facts. Chase closed the dispute this time stating I did not attempt to return the item. I did in fact attempt to return the item, and I did not accept it either.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2020 Loan Type XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  Past Due {$520.00} Pay Status >Collection in accordance with the Fair Credit Reporting ACT XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my name, address, date of birth, and Social Security Number ( SSN ).

These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. Specifically, I request that the following incorrect information be removed : XXXX XXXX XXXX, XXXX, NY, XXXX. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NEW YORK XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/year>
Product: Money transfer, virtual currency, or money service

Good afternoon and thank you very much for assisting me with resolving this matter! 

Last Wednesday ( XX/XX/XXXX ) I was transferring money from my Capital One checking account to my XXXX XXXX checking account, via XXXX. There was a phone number that was identical to mine ( the first XXXX digits ) in my contacts directory and I inadvertently clicked that number and hit send before I realized it. 

I've contacted the individual that it was sent to - no response. I filed a refund request with Capital One and the money has not yet been credited to my account, and XXXX has told me to kick rocks. I literally filed this complaint with Capital One XXXX minutes after sending the cell transfer. Please assist with this. 

I'm available to discuss anytime - XXXX 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 issue 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 was 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 is a lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

I was most recent charged {$86.00} in overdraft fees. I am enrolled in OOPS which is to prevent the account from overdraft. I was charged an overdraft fee for a transaction that didn't go through not once but 3 times.
Product: Debt collection

There are accounts on my credit report that I believe were added incorrectly and without my consent. I request these be investigated and removed promptly.
Product: Credit reporting or other personal consumer reports

A dispute was submitted to Experian mailed certified mail XXXX tracking XXXX. I received an email from Experian refusing to investigate this issue and advising that I did not send the disputes, which is incorrect. I mailed these disputes off, I've provided my ID, bank statement, and XXXX to verify my identity. Attached is a copy of the tracking and the email I've received from Experian. According to the tracking, the dispute was delivered. According to the Fair Credit Reporting Act inaccurate, or unverifiable information must be removed or corrected, within 30 days. Not doing so, is a violation of FCRA.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> Experian, XXXX, XXXX received a hard inquiry by XXXX hired by XXXX regarding an application for a reverse mortgage. I have shielded my credit to insure only authorized requests by me. I received an alert from Experian to let me know there was an inquiry. I asked my loan officer if he knew the company and said yes. I spoke to XXXX and said that XXXX had requested it. Unfortunately, thereafter, I began getting texts, mail and voice mail from unauthorized loan companies. I also received in writing today with detailed information about my balances, original mortgage company ( it's on a servicing account, currently ). 
I have a blocked and private cell phone. I only give out personal information to companies I choose to do business with. 

I was told that credit reporting companies sell reports from credit bureaus. Then sell consumer information to mortgage companies. I've tried calling and there's no fax or email to the credit bureaus. Mailing would take months to resolve issue. I have a right to privacy and protection. 

My hard earned credit and private information should not be allowed, sold or shared to unauthorized companies, without written authorization by consumers. I've also gotten solicitations and have seen companies which did a " soft '' review without my consent.
Product: Credit card or prepaid card

After having no issues as a Citi Bank customer for a long time, out of nowhere, there was a lot of fraud on my account. I called over and over again and waited and waited. Citi bank opened and closed a number of accounts for me and sent new cards but the fraud continued before I even received my new cards. All kinds of charges. I had to keep calling and calling and insist on talking to a supervisors before they agreed to close my account all together. My only income is Social Security XXXX. I agreed to pay {$35.00} a month to pay off the money owed on the account. Citi agreed to take this money out of my account via auto pay even though my account is closed. After my first payment of {$35.00}, Citi sent me a statement indicating late fees. I called and spoke to XXXX XXXX on XX/XX/2021 ( XXXX ). He refused to let me speak with a supervisor saying none were available. He refused to honor the agreement I set up with Citi in my previous call. I will not be charged fees and have my credit possibly impacted by something that was entirely Citi Banks fault from the beginning. I can not spend all of my time on the phone with Citi. This can not stand. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has not produced the documents needed to verify the lates on my mortagage. Ive asked for them for months ... they keep validating lates thats XXXX XXXX XXXX without telling me how nor showing proof...
Product: Credit reporting, credit repair services, or other personal consumer reports

First Dispute with agency was on XX/XX/XXXX Letter Sent to Bankrupty Court XX/XX/XXXX in reference to how they report to Credit Reporting Recieved letter from XX/XX/XXXX Bankruptcy Court Stating they do not provide credit reporting agencies with information but in fact information can be accessed through a system called PACER. 

Recieved an update on bankruptcy dispute with XXXX on XX/XX/XXXX stating that company verfied information with XXXX and was accurate.XXXX didnt send anything back bearing my signature of verified information. 

Second Dispute with agency was on XX/XX/XXXX Recieved update dispute stating company verified information
Product: Credit card or prepaid card

This complaint is for SYNCHRONY BANK XXXX AND MORE CREDIT CARD. 
I had a contract for 0 % interest for 12months with a {$800.00} credit card limit. The purchase was for {$800.00} of credit. My minimum payment was {$29.00} a month i overpaid my minimum payment each month and after 6 months later my balance was {$500.00} they cut my limit to XXXX on the closing date of the billing cycle without warning. We are on a 12 month contract. 

Them cutting my limit from $ XXXX {$520.00} mid contract breaches the contract. I had 12 months to pay it off it hasn't been 12 months. This drastically decreased my credit score. I want to sue for that reason. My account has nothing to do with their financial COVID-19 issues. I feel the reason for the decrease was not due to my credit card report or history because my credit score has been increasing it's due to their personal COVID-19 issues which is bias.
Product: Debt collection

On XX/XX/XXXX, my wages were illegally garnished in the amount of {$XXXX}. An illegal notice of Garnishment was sent to my employer. I state this is illegal because I was not properly served in regard to the initial lawsuit, the judgement, and the subsequent garnishment on my wages. I have proof that I was not served, and the debt collector did not send any information to the address where I have lived for years. This is a violation of the Fair Debt Collection Practices Act. The debt collector told the court I was properly served on XX/XX/XXXX which is a false statement because the address the documents were sent to, I did not live there, and the post office turned off all mail forwarding because it expired. I am requesting that the funds illegally garnished be returned to me and I am requesting that the debt collector contact my employer and advise them to stop the garnishment immediately. I have also filed a motion to quash the garnishment and requested a hearing in court regarding this matter. My rights have been trampled on, and I did not have an opportunity that is afforded to me by law to be able to address these matters in court.
Product: Credit reporting or other personal consumer reports

I paid off my XXXXXXXX XXXX  back in XXXX. They are still saying on my credit scores that I still owe the full amount. They are the only one of my accounts not reporting correctly as Ive paid them off at the same time. 
I disputed this information and now theyre saying Im over my credit limit on my credit report and that I still owe. 
I would like this to be reported correctly as a XXXX XXXX XXXX 
The amount that I paid in full was certainly taken from my account.
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 XXXXXXXX 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 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: Checking or savings account

On XXXX/XXXX/XXXX I paid XXXX, via USAA certified check, {$1300.00} to close my automobile loan account # XXXX. On XXXX/XXXX/XXXX, a recurring withdrawal in the amount of {$240.00} was debited from my account and posted to my 'closed ' XXXX account. On XXXX/XXXX/XXXX, USAA credited my checking account {$240.00}, pending investigation. On XXXX/XXXX/XXXX, USAA reversed the credit to my checking account. When I inquired I was told by a USAA customer service representative that a representative from XXXX confirmed the charge as valid. Since, XXXX/XXXX/XXXX, I 've spent hours on the phone with USAA and XXXX to correct this situation to no avail.
Product: Debt collection

I keep getting calls for a XXXX XXXX. I do not know who she is and when I have called and asked for calls to stop, they continue. On XXXX/XXXX/15, at XXXX, I received a voicemail message from XXXX XXXX @ XXXX and he stated that because my voicemail picked up I was acknowledging that I was the debtor. He left the mini miranda and stated that he needed to speak with XXXX XXXX regarding a personal business matter. 

I called and asked that my number be removed, I was questioned as to why she would give my number when legally all he can ask me is the debtor 's Address, phone number and place of employment. 

I want the calls stopped now! I have had my cell phone number for 10 years and get repeated calls for this person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Wakefield several times disputing the inaccurate information.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX Your NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear ( XXXX XXXX ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor.

to the secure trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised after careful review of my consumer report I have come across the following items on my consumer report. 
XXXX XXXX Account # XXXX This account is currently reported as charged-off. 
This account exceeds the XXXX dollar threshold, I was never sent a 1099c which is a CANCELATION OF DEBT which this account qualifies as realized earned income, which means the status of this account has changed. Furthermore with this account now being considered income this account no longer falls within the guidelines on the FCRA as debt and now must be removed from all credit reports in compliance with 15 U.S. Code 1681e - Compliance procedures, ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Delete This account IMMEDIATELY Failure to respond satisfactorily with the above late payments deleted from these referenced accounts and send out a free copy of my report after said changes have been made will result in legal actions taken against your company, for which I will be seeking {$1000.00} for each violation for : Defamation of character ( per se ) Negligible enablement of Identity fraud Fair debt collection practices act 15 U.S. Code 1692g violations fair credit reporting act 15 U.S. Code 1681 violations for willful noncompliance 616 civil liability for willful noncompliance 15 U.S. Code 1681n Signed XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

I sent a letter to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and all 3 credit bureaus on XX/XX/2022 In regards to The late payments that are reporting on the 3 accounts listed earlier in this conversation. I stated " In light of your company 's verification that I was late, which I find to be incorrect, I'd like to know the mechanisms that are in place to investigate these erroneous late accounts. Did you even conduct a LEGAL INVESTIGATION because it is still not reporting a 100 % correctly? It's disappointing that your organization would choose to violate the FTC 's standards when conducting an investigation. I'm curious whether any additional consumers are being harmed as a result of your lack of research. What I'm interested in knowing is who you spoke with at the creditor 's office when you first began your said investigation. Also, please provide me with their complete mailing address. Furthermore, please do not send your template letter outlining how you conduct an investigation. I'd like to know exactly how you performed this investigation no outlines, specific details. Im sure you are aware that pursuant to Before you can validate a debt, you must first prove five things, the first of which is proving who the original creditor is, in this case, proving that I am the original creditor, which I have done. You can not legally claim to have conducted an investigation unless you conduct a legitimate investigation, such as one for a criminal offense. You need to speak with my friends, neighbors, family members, and me personally. If you have not completed this step, the investigation is not complete. As a result, you do not have any validation. And all info being furnished is supposed to be verified and investigated on before placing on my credit reports, so you have not properly investigated. You are in breach of the law. 
I will leave you with this, under 15 USC 1681b ( a ) ( 2 ) you may not furnish a consumer report without the written consent to report anything on my consumer report. No consent is identity theft. I have not given the written consent to report these late payments on my report. 
Remove all late payments from my consumer report effective immediately. You are in violation. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Reporting Act XXXX Account XXXX, XXXX has violated my rights.

15 U.S.C 1681 Section 602 A States that I have a right to privacy.

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

On XX/XX/XXXX, I received a letter from Persolve Legal Group, LLP that was addressed to XXXX XXXX at my personal home address. I AM NOT XXXX XXXX. I am XXXX XXXX. The letter states that the company is attempting to collect on a debt that XXXX XXXX owes to XXXX XXXX, XXXX. The amount is {$5700.00}. There is no one by the name of XXXX XXXX at the address listed. I AM NOT XXXX XXXX. I am XXXX XXXX. I have never done business with XXXX XXXX and I have never sought a XXXX Credit Card. This debt was originally attempted to be collected by XXXX XXXX XXXX XXXX XXXX I submitted a complaint with the Consumer Finance Protection Bureau ( Complaint ID XXXX ) for which YOUR BUREAU DID NOTHING to resolve this complaint. I had to contact XXXXXXXX XXXX and received a letter dated XXXX XXXX, 2021 telling me the following : The account for XXXX XXXX has been shut down. 
I have been CLEARED of any responsibility for this debt being that I AM NOT XXXX XXXX. I did not make any purchases and I am not responsible for them. 
In addition, XXXX XXXX notified all three credit bureaus to remove this account from my credit report. 

Now the question is, when is the Consumer Finance Bureau going to actually DO SOMETHING FOR A CHANGE and go after identify theft and consumer fraud?? 

I am OUTRAGED that this debt collection was transferred to ANOTHER DEBT COLLECTION agency which is going after me for the same amount and I am NOT XXXX XXXX!