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

These are my repeated attempts to inform you that I've fallen victim to identity theft. I'm raising concerns regarding certain entries in my documents that stem from this crime. These entries are unrelated to any legitimate transactions I've initiated or approved, involving no purchases of goods, services, or money. If indifference persists, I request the removal of any details in my credit record associated with alleged 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  udulent activities or extortion.
Product: Credit reporting or other personal consumer reports

It's been More the 30 days this letter was send out and haven't hear from your company. Please be advised this is my WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance account XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Despite written requests, the unverified items listed below still remain on my credit report in violation of 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. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA LAW 15 USC 1681A2B.
Product: Vehicle loan or lease

I check my credit score regularly on XXXX XXXX. I noticed that my balance for boat loan had increased so I checked my account online and there has been a {$4000.00} fee assessed to my loan. I have made every single payment on time, there has been zero correspondence from the bank regarding a fee, and there is no detail at all on the account transaction to explain this. I have made several inquiries but can not get a human on the phone or a return phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a late payment from XXXX XXXX it took longer than 45 days did not delete
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NEVER HAD AN ACCOUNT WITH MARINER FINANCE FOR ANY TYPE OF TITLE LOAN. THE LOAN THAT THEY HAVE BEEN REPORTING, THEY REFUSE TO IDENTIFY THE ORIGINAL CREDIT AND AMOUNT OWED.
Product: Checking or savings account

In XXXX  I told Wells Fargo that I would be traveling and they froze my account multiple times while I tried to make a purchase.they froze it once in XXXX  for trying to get a hotel room and another time in XXXX  for the same thing.they also froze my account when I tried to make a purchase in XXXX XXXX would also charge be extremely large overdraft fee when I didn't have enough if my account XXXX as it being different amounts everytime.they froze my account alot of other times but those XXXX are the ones I can remember.i had to close my account out because they didn't treat me fairly if you need information you can get it from wells fargo.you have my permission to access that.
Product: Credit card

Aspire Visa Customer Service Department XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Fraudulent Account from Credit Report I am writing to inform you that an account listed under my name with your institution has been opened fraudulently. I have recently discovered this unauthorized account on my credit reports from XXXX, XXXX, and XXXX. 

The details of the fraudulent account are as follows : Account Number : XXXX I have not authorized the opening of this account and have taken immediate steps to report this identity theft to local law enforcement and the Federal Trade Commission ( FTC ). I have attached copies of these reports for your reference. 

I kindly request that you investigate this matter promptly and remove this unauthorized account from your records. Additionally, I ask that you contact each of the three major credit reporting agencies ( XXXX, XXXX, and XXXX ) to inform them that this account was opened fraudulently and should be deleted from my credit reports. 

I understand the seriousness of this situation and am eager to cooperate fully in this investigation. Please let me know if you require any additional information or documentation from my end.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against PayPal, due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, PayPal failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

This is a followup t o CitiBanks  response to my complaint  XXXX , which you sent to me yesterday. As a result, CFPB decided to close the case. Please reconsider your decision after you review my response as follows : Lets make it clear : I, the consumer, have never expressed or denied my liability or responsibility to pay with Home Depot credit card for the proposed project. As a result, I agree with  CitiBank  that you provided a representative of  XXXX   XXXX   XXXX , with your credit card information, including your account number and expiration date, thereby assuming liability for any resulting charges. The only issue here was when and how to pay.     The hand-written agreement signed  on  XX/XX/XXXX  stated : Buyer   agr ees to pay for job in full at time of construction completion & final inspection There was no mention of payments by installment.      1 ) Th e  XXXX  card purchases were conducted by a third party without my acknowledgement and authorization.      2 )  The card usages were not related to the project. Based on my investigation, the cabinets were ordered with cash from the  contractor  a t Home Depot in   XXXX , NJ. According to the receipts you attached, the card transactions were completed at  Home Depot  in   XXXX    XXXX , NJ.      3 ) Pe r Consumer Affa irs Rule, N.J.A.C. 13:45A-16.2 ( a ) 10.ii, Final pay ment to t he contractor is not required to be made before a final inspectio n is performed. Although the  contractor obt ained the complete card info, it was agains t the Law  to take the last payment before the project was even completed.     Lets make it clear again that the store credit of {$4900.00} posted on   XX/XX/XXXX  c ame directly from the  contractor as t he  XXXX  must have realized the consequence if they failed to make a correction.
Product: Credit card or prepaid card

Because of COVID and a health issue, I am unable to pay the balance on my ATT-Universal Credit Card issued by Citigroup. On XX/XX/XXXX I wrote Chairman XXXX XXXX, CEO XXXX XXXX, and President XXXX XXXX and sent the letters by XXXX with a signature receipt, which I received back. In the letters I explained my situation asking for a lower interest rate on my card or a personal loan in order to pay my debt. I waited for several weeks but never heard back. In XXXX I made several attempts to contact a person with authority to help me but was given the " runaround '' and was unable to do so. Finally, on XX/XX/XXXX or XXXX, I spoke with a representative who told me that I had put a " cease and desist '' request on my account which was why no one replied to me. I told her that I had not done so. On XX/XX/XXXX I received a form letter, unsigned, regarding the 'cease and desist '' order informing me because I had done that they could not offer me a lower interest rate or payment accommodations. I called the number in the letter and spoke with a " XXXX '' in Arizona who informed me that to remove the order that I had to agree over the phone to several onerous provisions which I declined in order to protect my position. I believe that this whole process of preventing me frm resolving my issues is unlawful and reminescent of the XXXX XXXX criminal activity a few years ago. I am a veteran and XXXX years of age.
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 XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 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. 16815-2 ( AN1 ) 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

Since I last reported XXXX to the consumer financial protection bureau I haven't heard anything different from them. I have asked them on the last report as of XX/XX/2018 they haven't tired to provided me with any updated information according to what the bankruptcy letter stated. In the letter that was sent to them it states that according to the FCRA laws and guidelines, " Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature ''. As of now they don't have a direct line for you to talk to anyone all you get no is a recording instead of speaking with a live person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent inquiries on my XXXX credit report and I've disputed them several times with the companies and XXXX  and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  NA XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX and XXXX Account # 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 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
Product: Debt collection

On XX/XX/19 I received an emailed from TrueAccord advising that the email was a communication from a debt collector and was an attempt to collect a debt for money owed to creditor, XXXX, XXXX in the amount of {$920.00}. I have never obtained a credit card and/or loan from XXXX, XXXX and advised that I was a victim of identity fraud and believed this to be included in same ; therefore I disputed the debt on a fraudulent basis. On XX/XX/19 I receive a second email advising of my " 30 day payment plan option ''. I never sleeted this option and continued to dispute the validity of the debt. On XX/XX/19 I received a third email that stated, " We'd like to discuss solutions for your outstanding balance of {$920.00} with XXXX , XXXX but need to hear from you. Please reply to this email or call XXXX to speak with one of our agents. '' I called the designated phone number and initiated what appeared to be a new depute. Therefore, on XX/XX/2019 I received a fourth email that indicated I against have an oustanding balance of $ XXXXand  that True Accord continued to work with XXXX, XXXX to help resolve this outstanding balance. I continue to dispute this debt and have no further information because I did not obtain and/or apply for this type of loan financing. TrueAccord continues to attempt to collect on this debt and ignores the Identity Theft Affidavit provided to them which I previously field with the ftc.
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 XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 have sent a total of 3 letters to XXXX  and Experian in reference to unverifiable and inaccurate accounts listed on my credit reports. I have asked that they verify that the accounts were mine, provide me with their methods of verification, as well as provide me with a copy of any original documentation with my signature on it. Both XXXX  and Experian  have failed to adhere to my requests and these unverifiable and inaccurate accounts remain on my credit report. I sent these letters to XXXX  and Experian  on XX/XX/2020, XX/XX/2020, and XX/XX/2020. I have attached copies of these letters ( that were notarized ) as well as Return Receipts for both XXXX  and Experian. Despite my 3 written requests, the unverified and inaccurate accounts still remain on my credit report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's 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.
Product: Debt collection

Thank you for this service, it is appreciated. I had to have XXXX XXXX twice in XX/XX/XXXX, again in XX/XX/XXXX, this generated over 60 individual bills, regardless I had great insurance. My complaint is that I believe accounts are being turned over for collection regardless of payment history. In this case service was provided on XX/XX/XXXX and this invoice was for over {$2700.00} dollars and was one of a total of {$30000.00} from XX/XX/XXXX thru XX/XX/XXXX. monthly payments have been paid on all of them, the one being disputed today, payments were made on XX/XX/XXXX first invoice, XX/XX/XXXX, again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX and another made today XX/XX/XXXX. XXXX XXXX, without knowing an individuals financial situation demands how much has to be paid, In my opinion violating basic fundamental individual rights and ability to pay without undue hardship or threats of damaged credit, being told pay it and we will have it all removed, ( threat as defined by XXXX XXXX ) I have a perfect credit history except for the damage Chapman financial, and XXXX XXXX have done to so many here in XXXX XXXX ' XXXX Idaho in my opinion, With many of my clients sharing horror stories and about Chapman Financial and XXXX XXXX, XXXX XXXX, along with my own. I have submitted documentation of payments and they are attached, I will also obtain copies of the checks if needed., Chapman Financial company is one block away from my office and yet most of their correspondence is dated 10 days from receipt date, making it very difficult to dispute a debt in the ten business days allowed. Again it is in my opinion these practices need to be investigated even beyond my complaint. Thank you, XXXX XXXX
Product: Consumer Loan

Auto being financed was repossessed without proper notification. When account settled, I was informed the repossession fee would be put at end of loan, instead it was charged the next month. Contacted them about it, they said it was just their policy and not to worry about it. I did that, but now they added a late fee due to not making full payment.
Product: Vehicle loan or lease

On XX/XX/XXXX i purchased a XXXX XXXX XXXX from XXXX. The loan for this vehicle is handled by Bridgecrest LLC. In order to make loan payments, one has to register with Bridgecrest online. Communications with Bridgecrest online are not possible, because Bridgecrest never answers to any emails. I had an account with Bridgecrest before for a XXXX XXXX XXXX ( Loan # XXXX ).  This vehicle was discharged with my bankruptcy on XX/XX/XXXX, since Bridgecrest denied the reaffirmation of the loan. At no point, they notified me, that the vehicle was discharged and that i could give it back to them. I wanted to register and open an account for the XXXX XXXX, and to my surprise, I noticed, that Bridgecrest added the new vehicle to the old account. The purchase of the XXXX XXXX has NOTHING to do with the old account. I requested them to allow me to open a new account for the XXXX XXXX. Like always, no answer from Bridgecrest. I need to be able to open a new account for the XXXX XXXX ; putting these 2 loans together in one account is, in my opinion, highly questionable, if not illegal. I hope, FTC can get an answer from Bridgecrest. The XXXX XXXX needs to be removed and the account closed, since the vehicle was fully discharged in my bankruptcy. Bridgecrest needs to allow me to open a new account for the XXXX XXXX before XX/XX/XXXX, when the first payment is due. I will refinance the loan in the very near future, so I can get together with a more ethical finance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( 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 that 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 verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account
Product: Credit reporting or other personal consumer reports

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL INQUIRES THAT DO NOT BELONG TO ME, THEY ARE LISTED BELOW : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. CAN YOU PLEASE REMOVE THEM OFF MY CREDIT REPORT. 




In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.
Product: Credit reporting or other personal consumer reports

Home Depot/CBNA has on my credit report, me owing them close to XXXX  and it is seriously damaging my credit report. I went from about a XXXX to a XXXX because they are saying I am responsible for my debt. The debt belongs to my sister and I was only an authorized user. How am I responsible for this debt and why do I have to pay it? This is unfair and I wish for you to investigate Home Depot/CBNA because I believe I am being XXXX XXXX  to pay this debt by damaging my credit report.