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

It appears that my file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX : US SM BUS ADMIN ODA Inquiry Date XX/XX/2020 EQUIFAX : ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$820.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$39000.00}
Product: Checking or savings account

i received a letter out of no where and both my savings and checking account was canceled for no legitimate reason
Product: Debt collection

On XX/XX/XXXX at XXXX MST I received a call from an employee of Emergent Services. He identified himself and his organization and indicated that I had been sent a letter last XXXX. He refused to disclose the subject of the letter or the nature of his organization. When I asked, " Is this an attempt to collect a debt? '' he became quite aggressive, saying things like " If you don't want to work with us ... '', notwithstanding the fact that he made no substantive response to my questions " Who are you and what do you want? '' " What was the letter about? '' " Is this an attempt to collect a debt? '' ( I asked that twice, and he hung up on me when I asked it the second time. ) It is my understanding that debt collectors are required to identify themselves as such and to disclose that communications that they initiate are attempts to collect a debt. In the present case, neither requirement was satisfied. 

I believe that this matter related to an auto loan for a new XXXX XXXX for which I cosigned several years ago. The borrower was XXXX XXXX aka XXXX XXXX aka XXXX XXXX, a predator who defrauded me of several XXXX XXXX dollars and who is subject to an Order of Protection issued on XXXX XX/XX/XXXX by a judge of the 13th District Court ( XXXX County ) of New Mexico. She made no payments despite assuring me that I would make none. She ran the car into the ground in a year, such that on repossession it fetched {$850.00} at auction. The original lender was XXXX XXXX.
Product: Debt collection

I dispute the validity of this debt and demand validation in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g ( b ) Until such time as you provide me with the required validation of the debt, I demand that you cease all collection activities, as is my right under 15 USC 1692c ( c ). This includes, but is not limited to, ceasing all calls, letters, and any other form of communication related to the alleged debt. Please be advised that failure to comply with the FDCPA may result in legal action being taken against your agency. I expect your prompt attention to this matter and await your validation of the alleged debt. Clark County Collection Services isn't licensed in my state to collect this fraudulent debt. This company violated my consumer rights by placing this on my credit report without any notice nor was I given a letter to response within the 30 day time frame. FDCPA 1006.30a no parking of debt Clark County Collection Services was asked to submit their documents and not itemize copies of papers of the spending on the account. I requested proof my signature and the original contract if one was signed. I didn't give any permission 15 U.S.C 1681b to open any account under my name. 
This collection agency attempts to collect a fraudulent debt. Clark County Collection Services to remove this fraudulent account off my credit report without any investigation into the matter. Theirs no account number for XXXX XXXX XXXX XXXX
Product: Checking or savings account

I transferred funds into my Marcus account from XXXX financial institutions to complete an indirect IRA transfer, I waited until the Marcus webpage indicated that the funds were " available for use '' and then initiated a transfer at the new IRA XXXX to pull the funds from my Marcus account, I received two calls from Marcus and I verified the recent transactions in my Marcus account. I was shocked to get a call that Marcus would not honor the full amount of the funds pulled to complete the indirect IRA transfer despite the full amount showing as " available to use ''. When I spoke to a supervisor on the phone, she was unable to tell me when the full funds would be available to transfer out to complete the indirect IRA transfer, I was told that the availability date was up to their discretion. The funds that were not available to complete the transaction were from a transfer that was initiated on XX/XX/XXXX and shown to be available on XX/XX/XXXX. I initiated the fund transfer request from the new IRA XXXX  on XX/XX/XXXX. 

I requested to speak to her supervisor but was told that there was nobody for her to transfer me to satisfy my request. 

I have been a Marcus customer since XXXX. I am very disappointed in Marcus ' inability to give me concrete answers to the availability of my funds despite their system indicating that my funds were " available for use ''. I will suffer damages for the failed transfer to complete the IRA indirect transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : 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: Credit reporting or other personal consumer reports

The following account on my credit report is inaccurate and its hurting my credit score and ability to obtain credit. Please delete this account immediately. 
account # XXXX  XXXX
Product: Credit card or prepaid card

Payment made on XX/XX/XXXX on Chase credit card account in the amount of {$24000.00} was returned in XX/XX/XXXX Payment made on XX/XX/XXXX on Chase credit card account ending in XXXX in the amount of {$25000.00} was returned in XX/XX/XXXX. I am unclear how this is even possible when I have emails from the company I worked for authorizing the payments and they were clear for six months. The authorizing company essentially is stealing {$50000.00} from me and Chase Bank is helping them do it. 

I have emails and all documentation for everything. I am unclear why I keep getting the run around from the bank.
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 was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offends 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: Credit card or prepaid card

REFUSAL TO GET ME A PERSON I CAN HEAR ON A HAND HELD PHONE. 

CORPORATE REFUSES TO GET ME SOMEONE I CAN HEAR. 

SUPERVISOR REFUSES TO GET ON A HAND HELD PHONE. 

XX/XX/XXXXXX/XX/XXXX I WAS DISCRIMNATED BY A SUPERVISOR. 

VERY NASTY AND REFUSAL TO ACCOMODATE THE DEAF AND HARD OF HEARING AND TO ACCOMODATE ME ON A HAND HELD PHONE AND NOT OVERSEAS. 

2 SUPERVISORS FOUGHT ME TODAY AND REFUSED TO LET ME HEAR. 

discrimination twice from XXXX I want to report XXXX who was so rude and nasty at XXXX on XX/XX/XXXX They can pick up their handset because XXXX at XXXX just did when I called back. Fire XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX of 2023 I was notified of hard inquiries on my credit report from a company by the name of XXXX, they had put hard inquiries from Ally financial XXXX, Consumer, XXXX. And XXXX XXXX XXXX XXXX. On XX/XX/2023. I have never dealt with the company XXXX, they did a 60 day investigation and they sent me a letter on XX/XX/XXXX of 2023 showing identity theft was proven and that they would have the hard inquiries off of my Credit report.. I was told that I would have to go back to the company 's of Ally and XXXX and a fraud or identity theft report which was all that was already done And sent to carmax auto finance. They asked me if carmax auto finance was off my report and I said yes, it was, but they put other hard inquiries on my report which was not me. Proven by the identity theft report that was sent by the investigation done by XXXX. I got a letter today on XX/XX/XXXX, from ally financial stating that I would have to get in contact with XXXX because they are the ones that put the hard inquiry request to Ally financial, so it's gone in a circle back-and-forth. All I ask is for XXXX to remove the XXXX inquiries from XXXX of Ally financial and XXXX XXXX XXXX XXXX On XX/XX/2023 and the XXXX. Report of XXXX, XXXX auto finance on XX/XX/XXXX XXXX XXXX XXXXhank you. I also did a XXXX XXXX XXXX complaint of XXXX.Ally financial, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX
Product: Debt collection

At XXXX XXXX on Wednesday, XXXX XXXX, 2016, I received a phone call from phone number ( XXXX ) XXXX. No one talked on this call, but when I said, " hello, hello, is anyone there ... '' the caller disconnected the line. Three hours later, at around XXXX, I received a knock on the door from a gentleman asking for my mom ( who does not live with me ), as well as if I were her son. ( I had co-signed on her auto loan. ) He asked if she had a XXXX XXXX car, and where she lived. I gave him this information, thinking that he was simply wanting to service her car, or perhaps do repair work. He also asked for her phone number, which I did not give. When I asked who he was with, he responded " XXXX XXXX. '' Again, I did not suspect that this was a collection agency company, but simply suspected that it was a service company looking for my mom to help her with her oil changes, repairs, etc. He did NOT, EVER, state that he was attempting to collect a debt, and that he was with a debt collection company! I later did a XXXX search of " XXXX XXXX '' and found that it was a DEBT COLLECTION RECOVERY company! 

After filing a complaint with Chase Auto Finance, it was found that Chase did not employ this group, but rather they contracted out to XXXX ( XXXX ) through their XXXX ( XXXX ). Therefore, this complaint has been re-directed to XXXX ( XXXX ).
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX XXXX XXXX  XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX and their associated collection agency, Galaxy International. I believe my rights have been violated under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I took out a loan with XXXX XXXX. Subsequently, I have been contacted by Galaxy International in relation to this debt. Despite my repeated requests to cease communication, I continue to receive calls from this collection agency. As per the FDCPA, I have the right to request that collectors stop contacting me, and I expect this request to be honored immediately. 

Furthermore, I am requesting that you delete any negative information related to this account from my credit reports, which is in accordance with the FCRA. Under Section 605 of the FCRA, negative information should be removed after XXXX years, and given the circumstances surrounding this loan and the collection activities, I believe that these items should not remain on my credit report. 

To summarize my requests : XXXX. I request that Galaxy International immediately stops all calls regarding this debt. 
XXXX. I request that XXXX XXXX and Galaxy International ensure that all negative information related to this account is removed from my credit reports, in compliance with the Fair Credit Reporting Act. 

I appreciate your attention to this matter and look forward to your prompt response. Thank you for your assistance in protecting my rights as a consumer.
Product: Debt collection

I was never notified of this collection, progressive does not own this debt anymore and I was never contacted by Caine and Weiner. I am requesting a debt validation letter.
Product: Credit card or prepaid card

I paid off my Macy 's credit card on XX/XX/2020 with Hana at XXXX. At that time, I asked for my account to be closed. XXXX assured me that it would be closed and even told me I could never open another Macy 's account again. 

On or around XX/XX/2020 I received a statement in the mail with the closing date of XX/XX/2020 and a balance of {$2.00}. This is their minimum fee for having the card. I called to see why I was charged on an account that was closed. The automated system said my account was closed, but that I had a balance of {$2.00}. I waited to speak with XXXX at XXXX and I received a very run-around answer and said they would be able to waive my interest fee. He then said after 72 hours the balance shouldn't show anymore and that I shouldn't receive any more statements. 

This creditor is famous for charging this fee, then tacking on a late payment fee for not paying the {$2.00}. Ridiculous. It seems highly illegal to charge anything on someone's account that is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. 
NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Collection account. {$540.00} past due as of XX/XX/XXXX.
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 ant other incoming deposits. Capital one has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and i request your assistance in investing this matter to ensure my rights are upheld. Thank you,
Product: Mortgage

My Mother had her mortgage initially with XXXX XXXX, then went to XXXX and then ended up with Fay Servicing. This loan has been drug on for more than 20 years and the balance hasnt decreased at all, it actually increased. I believe she was victim to a predatory loan. Mom has passed away almost a year ago but Im still making the mortgage payments. This is my childhood home and I moved back in here XXXX. My family and I still live here, I am the successor of interest and was told to submit information to refinance the loan. I did what they asked. Now, Fay wont offer me a loan. The interest rate is very high and again, this balance is ridiculous! I dont know what to do!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX Experian Information Solutions Inc . 
is on my credit report with inaccurate information which that does not belong to me as well as XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX I do not owe any debt to them, or any other creditor. I'm a victim of identity theft and this account is just many of its kind that has resulted to reporting to my credit report inaccurately and fraudulently to cause damage and hardship As of today XXXX XXXX XXXX  > it needs to be removed. I have asked to see proof of these items being validated, and my signed signature and have been ignored To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. According to the Fair Credit Reporting Act, Section609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Here as follows are items in error : 1. COLLECTION agency did not send me anything to verify this account so how did you verify it?

Where is the valid documentation, please remove this account immediately XXXX XXXX XXXX. I had requested that this account be verified and I have not seen any proof from you that it was. I need all correspondence regarding the previous dispute including the data provided to you that this account is accurate. If your agency is unable to do so XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX 4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few fraudlent hard inquiries on my XXXX and XXXX report. 

I've contacted all of the financial institutions and asked for removal of those inquiries and they said they don't have tools to do that. 

Institutions I've contacted regarding inquiries : XXXX Bank of America XXXX hard inquiries. 
XX/XX/2022 XX/XX/2022 XXXX XXXX  XXXX hard inquiries XX/XX/2022 XX/XX/2022 XXXX XXXX XXXX hard inquiries. 
XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX XXXX  hang up on me multiple times when I've tried to resolve the issue XXXX said they will submit a dispute but member responded back to me
Product: Debt collection

Multiple attempts were made to contact the debt collection agency in regards to a debt showing in my credit report that does not belong to me. The representative today confirm the debt belongs to XXXX XXXX XXXX and the company is using my social security. I contacted the person reporting this debt and she was able to confirm this debt does not belong to me and effort were made multiple times to remove my name and social security number from that debt. I just contacted the debt collector again today and refused to acknowledge the debt and when requested to remove my social security, they started threatening me, indicating that they will be pursuing legal action and that they will be contacting the police. This was a tactic to state that the debt belongs to me. I have an email from the manager who is reporting the debt, in the email the manager is confirming this debt does not belong to me. The debt collector is refusing to contact the debt reporter to confirm that this debt does not belong to me. This agency should be banned from doing business again
Product: Debt collection

The first time I learned that I owed this amount of # XXXX to XXXX was in XXXX of XXXX when I received a notice from XXXX saying my account was deactivated because of the amount owed. I called XXXX and they could not give me any information over the phone saying that I would need to go to a XXXX location. I tried going to XXXX but they allways had 3 hour wait times and I thought this was just a scam to get me to pay a debt I did not owe. I terminated my XXXX account in XXXX of XXXX and turned in my router and tv box. I have never received a bill for services from them until I received the notice in XXXX. Then I started to receive collection notices and phone calls from Eastern Account Systems of Connecticut I told them over phone about the situation, then I received a letter asking me to respond again which I ignored. They have now notified me that they have notified the Credit Report Burreaus and they have. It is now on my XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 XXXX XXXX XXXX XXXX tradelines that are showing as negative. Both are installment loans and both are confirmed last paid in XXXX with dates of last activity of XXXX as recently as XXXX. EQUIFAX/XXXX/XXXX have willfully and knowingly let this creditor RE-AGE THIS ACCOUNT which is illegal. 

Both of these accounts are STILL showing on my Credit Report after 8 years of date of last activity. Additionally, they will not respond to any letters by US Mail requesting debt validation with specific dates. They have over 30 days to respond and letter sent out over the past 4 months have gone unanswered. 

I need Equifax/XXXX and XXXX to immediately delete this accounts or risk immediate state and federal lawsuit for financial harm and willful/deliberate violations of the Fair Credit Reporting Act. How can these powerful, multi-billion dollar profitable companies have more compliance and hire personel to monitor and now allow for tradelines to re-age very very old tardiness. These credit bureaus are completely liable.

I have already filed a complaint with the Florida 's State Attorney Office and have already been in contact with a Law Firm ready to file legal action against these 3 credit  bureaus. 

Regards, XXXX XXXX