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

I am writing to dispute fraudulent and unauthorized information on my credit report under XXXX U.S.C. XXXX and XXXX U.S.C. XXXXb, and to request that this information be blocked and removed immediately. 

I have attached a copy of my police report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as proof that this information has been reported improperly. 

Legal Basis : Violation of 15 U.S.C. XXXXb and XXXX Violation of 15 U.S.C. XXXXb Reporting Without My Consent : According to the Fair Credit Reporting Act ( FCRA ), the inclusion of information in a credit report requires express written consent. 

I never provided such consent for this account to be reported on my credit history, which constitutes a violation of the FCRA. 

Violation of 15 U.S.C. XXXX Fraudulent Information Must Be Blocked : This section mandates that any fraudulent information on a credit report must be blocked immediately when the consumer formally notifies the credit bureau . 

While this account may have been opened in my name, it was reported without my authorization, making it fraudulent and requiring immediate removal. 

Fraudulent Information to Be Blocked The following information on my credit report has been reported improperly and must be blocked and removed immediately : XXXX XXXX XXXX Under 15 U.S.C. XXXX, I formally request that this fraudulent information be blocked immediately from my credit report. This information must remain blocked for one year, after which I may request an extension of the block. During this period, this information must not be reported as valid nor allowed to reappear on my credit report. 

Previous Attempts and Lack of Response I have made multiple attempts to contact the credit bureau regarding these fraudulent accounts, but the bureau has failed to provide a solution to this issue. 

This has significantly impacted me, preventing me from acquiring a new home for my family. 
These accounts have been removed and not verified by other credit bureaus, so I do not understand why you continue to claim these accounts belong to me. 
I have requested copies of the contracts from the company in question, but after more than 60 days, I have received no response. 
For these reasons, I request immediate action to block and remove this information from my credit report.
Product: Credit card

I thought I was agreeing to a credit balance transfer at a lower interest rate and higher credit limit. However, they issued me a predatory a higher interest rate. Due to the pandemic, paying this predatory credit line was unsustainable. 
Due to this action, I suffered a lower credit score and have been unable to access credit for buying a home, car, and other credit cards.
Product: Debt collection

On XX/XX/2022, I exercised my right to rescind my credit consumer contract with XXXX XXXX pursuant to Truth in Lending Act, 15 US CODE 1635, Regulation Z, and 12 CFR 226.23 due to XXXX XXXX not providing me with all material disclosures to include my federally protected right to rescind which is a violation pursuant to 15 USC 1635 ( a ), Regulation Z, 12 CFR 226.23 and 226.17. XXXX XXXX received my notarized notice, special POA and IRS form 56 via XXXX XXXX XXXXXXXX and Return Receipt signed by XXXX XXXX on XX/XX/2022. 
BRIDGECREST CREDIT COMAPNY also received these notarized notices via XXXX XXXX XXXXXXXX. On XX/XX/2022, I filed a CFPB Complaint due to not getting a response, the complaint ID is XXXX, XXXX XXXX told the CFPB they would comply with my Power of Attorney and give me the title to my private property which they have yet to accomplish, BRIDGECREST CREDIT COMAPNY is now in violation of 15 USC 1692 ( a ) Abusive practices- There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy, 15 USC 1692f Unfair Practices - ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest. 
( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement, and 15 USC 6802 ( b ) ( 1 ) ( C ) for furnishing my nonpublic personal information to XXXX XXXX who illegally and unlawfully stole and transported my private automobile on XX/XX/2022 and plan on selling it which is a violation of 18 USC 2312 TRANSPORTATION OF STOLEN VEHICLES and 2313. I am entitled to actual damages under 15 U.S CODE 1692k ( a ) ( 2 ) ( B ) THE CREDITOR IS RESPONSIBLE FOR THE ILLEGAL ACTIONS OF XXXX XXXX BY LAW
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received communication from Equifax, XXXX, and XXXX attempting to collect an alleged debt. 
I send a letter to Equifax, XXXX, and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants Equifax, XXXX, and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

* All statements while this account was open. 
* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * No Equifax, XXXX, and XXXX never responded! 

Furthermore Equifax, XXXX, and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represented the character other Violations under 15 USC 1692 e that Equifax, XXXX, and XXXX is implementing itself. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore Equifax, XXXX, and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. Equifax, XXXX, and XXXX lacks permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 

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

Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX XXXX and XXXX have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX XXXX XXXX ; including any additional variations or appelation and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation, whoever that may be, and I depose the following facts, so be it, now present : Fact, in accordance to FCRA 15 USC 1681 section 602 A, 15 U.S.C 1681 Section 604 A Section 2, 15 U.S.C 1681c. ( a ) ( 5 ) Section, 15 U.S.C. 1681s-2 ( A ) ( 1 ) is intended to secure my right to privacy and my privacy has been breached.

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. 

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 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 has violated my rights. 

Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce.
Product: Checking or savings account

I have initiated multiple ACH transfers from my American Express Serve checking account to my other checking account, XXXX. All XXXX transfers went " processing '' in the Serve online banking portal, then proceeded to not transfer funds. I confirmed that my XXXX account was verified on my Serve account. 

On XX/XX/XXXX, I called Serve to figure out why my XXXX transfers from XXXX and XXXX weren't successful. They did not have a reason, but instead advised that if any future XXXX payments are held up, I would receive an email requesting verification. 

On XX/XX/XXXX, I initiated a {$2000.00} XXXX transfer from my person Serve checking account to my other personal XXXX checking account. In my Serve online banking portal, it listed the {$2000.00} XXXX transaction as processing for ( XXXX ) days. 

Today, XX/XX/XXXX, I looked at my Serve online banking portal to see that the {$2000.00} pending XXXX transaction disappeared. It not listed under " Completed Transactions '' or " Active Transactions, '' however, my Serve account balance is {$2000.00} less than it was since initiating the transfer XX/XX/XXXX. 

I checked my receiving-funds bank, XXXX, and there is no record of the {$2000.00} XXXX transfer there either. 

I am extremely dissatisfied with Serve customer service because the only way to access their customer service line is by selecting the " card is stolen or damaged '' option in the automated phone system. I also have not received any email confirmations from Serve indicating these transfers occurred or failed, and I verified that my text and email communications with them were set to accept all. 

Serve 's options for money transfers are very limited if you want to transfer money to other people. I owe someone money, so that is why I've been trying to transfer money to my more user-friendly XXXX account. 

I've attached screenshots of my failed transactions from XXXX and XXXX. Because I submitted my XX/XX/XXXX transaction after my phone call with Serve, I assumed the issue was resolved, so I did not screenshot that XXXX, unfortunately.
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 impossible and that tracking these transactions was infeasible. 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 lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

There was a care credit card open in my name on XX/XX/XXXX for the amount of {$5300.00}. As I am a victim of identity thief that happened XXXX of XXXX. I reached out to the company to inquire about it at ( XXXX ) XXXX, and there was nothing they could do for me. I am now going through the process of reaching out to the credit bureau to get everything situated as I am trying to sale and purchase a new home.
Product: Mortgage

I AM WORKING WITH THE XXXX PROGRAM TO OBTAIN THE $ XXXX TO GO TOWARD MY MORTGAGE ARREARAGES AND MIDLAND MORTGAGE HAS ( DURING THE XXXX  PROCESS ) HAS FORECLOSED ON MY HOME. I AM WORKING WITH A HUD AGENCY AND WAS CONDITIONALLY APPROVED FOR THE $ XXXX.
Product: Credit card

I received a letter in the mail from synchrony bank stating my Credit Card accounts were being placed on hold pending further investigation as they were disputing who I am. The credit cards affected were my Citgo, BP, Amazon, Walmart and paypal. I have had 2 of the Accounts for more than a year and have never missed a payment, been over the lmit or anything. I was locked out from accessing the accounts on line as they claimed this this might be identity theft. I filled out the form they submitted to me signed it and sent it back, to my surprise about 4 weeks later I was able to access my accounts on line but they all said I have no available credit. I immediately contacted synchrony bank and was told told because they could not validate who I am they closed my accounts. Now I have other loans, credit cards, bank loans, etc from other financial institutions I have a valid D.L AND social security number. I am very upset, as by closing my credit card accounts it will it will significantly decrease my credit sore and adversely affect me and my credit.. I am seeking an explanation and for my accounts to be reinstated with full rights as I have not violated any policy or procedure of synchrony bank
Product: Vehicle loan or lease

When I purchase my used Toyota XXXX they add Gap insurance and maintenance warranty without my knowledge as soon as I know I cancel all the Gap and warranty but still I am paying interest on the canceled {$9000.00} gap and maintenance warrantys and as of todays date they didnt credit my account for the cancelled services
Product: Debt collection

I received notice of collections from Bay Area Receivables Inc. ( a collections agency in XXXX  ) for {$1200.00} to a client, the creditor : XXXX XXXX XXXX ( XXXX  ) for service on XX/XX/year> for a minors medical emergency, that was covered and paid for in the first insurance claim, but the creditor lost track of their own accounting and can't find it, and sent a second bill through my insurance that was denied and sent to collections. I sent documentation of the double billing by XXXX for the same visit, for the same provider, XXXX XXXX XXXX - to the collection company and the original provider. The collection company denied the documentation and denied forwarding documentation proving the validity of the charges and how they arrived at the amount I'm being billed. Further, as my minor was covered during the time of care, XXXX was an in-network emergency care provider at the ER room we went to, and given the protections in the XXXX  No Surprises Act the allowable amount of the {$1200.00} emergency room bill for collections would only have been {$230.00} should I even have been held liable for the charges which Im not, since theyve already been paid in the first claim. 

Claim XXXX for {$950.00} in XXXX Charges- Approved & Paid for by my insurance - XXXX claims they do not have a record of this claim, and that they never received payment even though XXXX XXXX issued them the copies of the XXXX  and cut them the check, and XXXX sent in adjusted claim requests. 

Claim XXXX for {$1200.00} in XXXX  Charges - Acct No XXXX - Approved then, reclaimed/denied for double-billing by XXXX XXXX- This is an unlawful collection pursuant to XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I sent disputes with no response. XX/XX/2019 I sent complaints that the 30-day regulation per FCRA was violated. Still no response. My rights under the FCRA have been clearly violated. I have included the items below. 

ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX not mine COLLECTIONS XXXX XXXX {$280.00} not mine XXXX XXXX XXXX {$890.00} not mine
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for refusing to block a fraudulent XX/XX/XXXX account from my credit report, despite my request in accordance with the Fair Credit Reporting Act ( FCRA ). 

A fraudulent account was opened in my name without my authorization. I provided TransUnion with the necessary documentation, including a police report and an identity theft affidavit, as required under FCRA 605B. However, TransUnion has refused to block this account from my credit report, causing financial and emotional distress. 

This failure to comply with federal law is negatively impacting my credit and financial well-being. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene and require TransUnion to : 1. Immediately block the fraudulent account from my credit report as per FCRA 605B.

2. Provide written confirmation that the fraudulent information has been removed.

3. Ensure proper compliance with federal consumer protection laws to prevent further harm.

I appreciate your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

I send money to my Coinbase account I am waiting for wire transfers dated XXXX XXXX XXXX 2018 over 1000 It has been over two entire weeks since the first request and I have not received anything. I tried all Mail adresses for support available.Even the phone number is not working. Not even one anwser. I opened 3 cases on the company site and explained my situation. Also no anwser.
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 XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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

This company is a debt buyer who is reporting inaccurate information on my credit report. I have recently removed the inaccuracies this year and now its reappearing again with different balances and inaccurate original balance and balance owed. I repeatedly asked this company to please send a copy of original contract by creditor but have yet to receive this information. According to the FCRA any information that is incorrect and not verified as being correct must be removed. This is why it was removed the first time because it was inaccurate. Now it is again on my report with inaccurate information again with a higher original balance. and a lower balance owed but i never once made any payments to this company. Why did the balances changed? This is a refusal to pay until original signed contract is received. Letters received by this company after disputing has addresses that is not my address. I have also contacted the FTC about this mater because I'm tired of beating a dead horse.
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 : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Debt collection

On XX/XX/XXXX US Bank held a garnishment of my Social Security Disability benefits In the amount of {$920.00} for a commercial debt collector XXXX Funding. 

According to the SSA a commercial debt collector may not garnish SSDI and as of today XX/XX/XXXX, US Bank has not returned my funds to me, nor have they paid it to the creditor they withheld/garnished it for. 

Please enforce the law to have US Bank return my money to me.
Product: Debt collection

My contract with XXXX XXXX was mutually terminated in XX/XX/XXXX. That contract was paid in full, receipt was included showing a zero balance. XXXX pursued me for a remaining balance of {$140.00}, and the balance was disputed on XX/XX/XXXX. XXXX did not respond for several months, and forwarded this debt to a collection agency, which reported on my credit dated for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX USA This collection agency, did not properly notify me of this debt, nor did they disclose this debt to me within the required timeframe. Nonetheless they did report this on my credit, as such I am seeking removal of this debt immediately from my credit report.
Product: Debt collection

This company ( Professional Account Management Collections ) continues to email me saying I owe them for a debt to XXXX Texas Toll Authority. This is impossible because I have a toll tag with the authority that auto drafts from my bank account once I run out of funds. I have repeatedly tried to contact them by email and phone. Their emails bounce back to me as an invalid email address. Their phone line always says they are experiencing high call volumes and no on ever answers. Then when I put the invoice information in their online form in the emails they send me it says " invalid invoice number. '' I want the harassment to stop because I DO NOT OWE THESE PEOPLE ANYTHING!