23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

my internet/cable was paid but XXXX  said that XXXX was ordered many times via a button on the remote I explained to them that I did not order any XXXX or other movie channel neither did my grandmother they say it could be done via one button on the remote which I ask them to fix and they told me they did then I disconnected the service because they still kept billing me on that I paid them what I know was owed from when I disconnected the service but spectrum refuse to acknowledge that my service was off and continued to bill me. the next thing I notice I'm getting calls from some debt collecter Bpo I'm a full-time student and can not afford to pay anyone at this point. thank you.
Product: Prepaid card

About XX/XX/year> I received a debit card in my name from NETSPEND linked to a bank account at XXXX XXXX. I did not open an account at XXXX and I did not apply for or request a card from NETSPEND. I believe these accounts were opened from a list obtained through a data breach. I am registered with XXXX with intention to prevent unauthorized bank accounts and I have a credit freeze with the 3 major credit reporting firms. It should not have been possible to legitimately open a bank account in my name without my prior knowledge. 
When I contacted NETSPEND to get information about the source of this account and to close this account, I asked for written confirmation that it has been closed but was told written confirmation can not be provided. I think this shows disregard by NETSPEND for common customer contact procedures and responsibility. 
I have attached a copy of the card mailer from NETSPEND.
Product: Credit reporting or other personal consumer reports

I have conducted a thorough UCC-11 '' search with the Texas secretary of state UCC Filing office, which has revealed that there are no, such as " no record of such a secured transaction exists under my name, '' " the debt has been satisfied as per filing number XXXX dated XX/XX/year>, '' or " the secured transaction was erroneously reported under my name ''. The accounts in question are -XXXX XXXX - Account Number : # XXXX - Reported Balance : {$8900.00} -XXXX XXXX XXXX XXXXAccount Number : XXXX. 
Reported balance : {$780.00} XXXX XXXX  : -Account Number : # XXXX Reported Balance : {$3000.00} Despite Numerous written requests, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). 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. By the Fair Credit Reporting Act these Creditors have Violated my rights under Title 15 U.S.C 1681 602 States I have Right to Privacy Title 15 U.S.C Section 604 ( a ) Section 2, it also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions Under Title 15 U.S.C 1666 ( b ) ( a ) 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my deraily protected consumer rignts to privacy and confidentiality under 15 USC 1681. 
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. 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 card or prepaid card

I purchased some items XXXX before losing my job for {$150.00} school uniform pants for my daughter with my XXXX credit card. 

Items were never received and shipped to an old address that I have not lived in since 2013 I initiated contact and requested refund which I felt was a legimate request they issued an investigation and offered a gift card which I never wanted I wanted my refund back on my card. 

Also being off work since XXXX - my health played an issue and I submitted documents and was told that I did not qualify for help to pay my credit card. 

I paid for a service regularly and was told now that I am in need I did not qualify These practices put in play are fraudulent to take my monthly payment and when I am in need I dont qualify but no one gets to return to all the money I paid for the service. 

I want a refund back on my card I never got gift card and never wanted it I want a refund of all money put into for service that was suppose to help me in my time of need and out of work. These services should be illegal they take the money but dont help the consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th letter regarding an investigation on my credit report which caused severe XXXX upon me and found unverifiable, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S Code 1681e ( b ) ( 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. 

I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( a ) in general, after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate and incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of the verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

15 U.S Code 1681 ( 5 ) Removal of inaccurate credit information XXXX XXXX XXXX Account Number : XXXX I demand you to delete this item asap
Product: Credit reporting

wrong information on credit my credit report and they know it and will not remove it southwest credit systems credit reference number is XXXX and the creditor account number is XXXX this belong to a XXXX XXXX at XXXX XXXX XXXX XXXX maryland XXXX my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX will you please help me get his bill off of my credit report XXXX and south west has said this is not my bill
Product: Checking or savings account

This issue is with Wells Fargo bank who is not following the law with the Consumer Financial Protection Bureau. My son XXXX XXXX was a victim of fraudulent activity on his checking and savings account with Wells Fargo. XXXX XXXX XXXX XXXX XXXX mobile deposits were made into each account which both were followed by {$400.00} XXXX transfers. Someone gained access into both of his accounts and made the XXXX payments. We had nothing to do with these transactions, they were unauthorized activity. We made contact with the bank on XXXX XXXX XXXX after I received notifications of overdrafts. The bank was able to identify it was clearly fraudulent activity but the complaints office with the bank made the determination that we initiated the transactions, but we did not. The electronic funds transfer Act protects those who have been victims of banking crimes which protects consumers even if its one 's fault if they had fallen for an online phishing scam. We have not been able to identify how they accessed his accounts and there has been no protection from our bank. The XXXX XXXX has written an article on the growing fraud with XXXX and how banks including Wells Fargo are trying to blame the customer and not follow the law. Wells Fargo has been in the news a lot in our local area for the same complaint. Wells Fargo also is XXXX of multiple banks that own XXXX. Thank you for your assistance.
Product: Debt collection

Experian committed unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by ( 2 ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnisher 's response, despite having evidence of that furnisher 's unreliability
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I don't know how to go about getting this corrected so I was told to file a complaint if things on my credit were incorrect. My name is XXXX XXXX  XXXX please remove any other spelling of my name. I was looking further into my file I found addresses that I never lived at.Please delete the following unknown addresses : XXXX XXXX XXXX XXXXOHXXXX  XXXX XXXX XXXX  XXXX OHXXXX  XXXX XXXX OHXXXX XXXX XXXX XXXX XXXX XXXX  XXXX KSXXXX  XXXX XXXX XXXX XXXX XXXXKS XXXX XXXX XXXX XXXX XXXX  XXXX KSXXXX XXXX XXXX XXXX  XXXX XXXX  KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNJ, XXXX XXXX XXXX XXXX XXXX  KS XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX  XXXX OHXXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJXXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NJXXXX XXXX XXXX XXXX XXXX KSXXXX XXXX XXXX XXXX XXXXNJXXXX I am looking to start my new job but my new employer is having issues with my verification due to several unknown addresses and incorrect information on my credit report!
Product: Credit card or prepaid card

Had an outstanding business balance with American Express. I was in constant communication with them about our planning and timeline for paying the balance down. The performance of the business only allowed us to pay ~$XXXX/month. Without notice, American Express closed my business card AND personal card and sent the balance to collections which created a XXXX point drop on my personal credit score. When I called back into Amex I was able to negotiate a payment plan, but the company would not reinstate my business card even with the agreed to plan, and would not reinstate my personal card. They informed me that even though I had agreed to their payment schedule, my card would remain with collections and my credit score would not improve. The only solution is to pay the balance in full, which the business cannot support. So on the one hand they are offering a solution which does not alleviate the financial strain they have placed me personally under while on the other they are saying that nothing can be done until the balance is paid off. So my ability to do anything else to improve my financial situation personally (refinancing student loans, consolidating personal debt etc) - things that would give me more cash on hand to better support my family have to be put on hold until Amex is paid in full. This is extortion. Separately, since my business is under XXXX years old, all financing options with reasonable interest rates have to be personally guaranteed by me, so having a poor credit score creates problems in my ability to secure financing solutions for the business for at least a year.
Product: Debt collection

Currently, I have a collection request from AmSher XXXX Collections, for {$59.00} for Charter Communications, opened on XX/XX/XXXX. I am currently still a customer with Charter Communications. About one year ago I changed internet service providers, which is what XXXX was and now currently still does for me. I was unaware that I owed any outstanding money to XXXX  and even checked my account when I received a debt collection request, which still shows no amount is due along with when I had them reservice me, they made no attempt to inform me of the requested debt. XXXX had my phone, email, current credit information and current address on file and was still providing me service, but neglected to inform me or charge me of the amount they claim I owed at my current address. The XXXX XXXX XXXX attempted to contact me, and I truthfully thought they were a fraudulent attempt to acquire my credit information, as why would a collection agency be contacting me for my current service provider that never contacted me requesting payment and did not have any record of me owing it on my accounts along with still providing service while having my credit information on file to charge me at any time? I now understand, as of XX/XX/XXXX, that this collection company is legitimate, after speaking with their management, they are not willing to accept a pay in full for deletion letter, despite the lack there of in communication from XXXX leaving me not at fault for this collection request origination. After speaking with XXXX management, the same scenario, a company policy prevents them from contacting the collection agency, leaving no possible way to work out a pay in full for deletion letter.
Product: Credit reporting or other personal consumer reports

Experian is reporting XXXX Account Number XXXX as a charge-off. 

My Rights. 15 U.S.C1681 section 602 A states I have the right to privacy. 15 U.S.C1681 section 604 A. section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C1681c. ( ax5 ) section states, a person shall not furnish any information relating to any consumer reporting agency if the person knows or have reasonable cause that the information is inaccurate. The FCRA does not allow income to be reported on a consumer 's credit report because it violates privacy and income is not considered relevant for determining credit risk.

Given that the original creditor has charged off said account on their taxes as a loss, received credit for said loss, and reported to the IRS as my income ( via the 1099-C that I never received ), they are reporting my income ( not a debt ). Reporting income is not compliant with the FCRA and is a massive invasion of my privacy. Due to the charge-off on my report, a recent loan and charge card application was denied. Additionally, I'm unable to purchase a home or car and this has caused extreme emotional distress.
Product: Vehicle loan or lease

I would to serve Toyota corp, documents to make sure they receive my notice to cease and desist any legal action before court. as of XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing formally to 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 were impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect 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: Money transfer, virtual currency, or money service

I have ran into trouble with contacting a representative of cash app, or having someone to speak to when needing assistance with my cash app account.
Product: Credit reporting, credit repair services, or other personal consumer reports

NATIONWIDE CREDIT & CO has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair credit Reporting act XXXX XXXX ACCOUNT # 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 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

They call, text and email me several times per day for the past month. Ive repeatedly told them this is not my debt and to stop contacting me. They begin their calls at XXXX XXXX  and do not stop until evening They are asking for someone that is NOT ME nor do I have anything to do with this debt. I want them to leave me alone. I suggested they contact the account holder and that suggestion, clearly had been ignored.
Product: Credit card

I hope this letter finds you well. I am writing to seek assistance and guidance regarding a matter of significant concern involving a legal action initiated by Best Buy, a retail company, concerning an account that I have no knowledge of ever opening. I am deeply troubled by this situation as it has had a significant impact on my financial well-being, and I am unable to resolve it through direct communication with the company. 

Here is a brief overview of the situation : in XX/XX/2023, I received notice that Best Buy has filed a lawsuit against me for an account that I have no knowledge of and believe to be an error or a case of identity theft. 
Despite numerous attempts to communicate with Best Buy and request information about this account, they have not provided me with any details or evidence that this account is genuinely mine. 
I have not received any documentation that would confirm my responsibility for this alleged debt. To the best of my knowledge, I have not engaged in any transaction with Best Buy that would warrant such legal action. 
This situation is causing severe distress and financial hardship for me, and I believe that my rights as a consumer are being violated. 
I kindly request your intervention and assistance in this matter. I would appreciate any guidance you can provide in resolving this issue, including steps I should take to confirm whether the debt is valid or if this is a case of identity theft. If necessary, I would also appreciate any assistance in compelling Best Buy to provide the necessary information to prove my liability for the debt they claim I owe. 

Your prompt attention to this matter is greatly appreciated, as it has caused significant stress and financial burden. I am eager to resolve this issue and ensure that my rights as a consumer are upheld. 

Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working remove incorrect negative reporting on all my credit files.
Product: Mortgage

In XXXX 2015 we obtained a mortgage with ATHAS Capital Group, Loan No. XXXX 
The loan documents XXXX attached XXXX states that payments should be made to XXXX XXXX XXXX XXXX located in XXXX, CA. 
We have sent payments to this address successfully using the loan number above, until XXXX, 2015. 
After sending check XXXX. XXXX on XXXX XXXX, 2015, we were informed on or about XXXX XXXX, 2015 that payment was not received. 
In following up on this notification with XXXX Customer Service on XXXX XXXX, 2015, we found that the Loan NoXXXX did not exist in XXXX XXXX system - we used the property address to look up the account. We were told that ; 1 XXXX the account number was not XXXX but XXXX ; 2 XXXX that the XXXX 2015 and XXXX 2015 payments had not been received and ; 3 XXXX our statements were being sent to an unfamiliar XXXX XXXX XXXX XXXX Washington XXXX The XXXX 2015 check has not been returned and the amount was not withdrawn from the account, also at that time the XXXX 2015 check had not posted either. 
Further we found that no action had been taken on an XXXX 2015 request XXXX email record attached XXXX to shift the payment date from the XXXX to the XXXX of each month. And that the entire mortgage would need to be rewritten if the lender, ATHAS Capital Group agreed to the payment due date each month. In addition, XXXX XXXX XXXX had been in direct contact with ATHAS by phone and received no resolution or decision regarding this matter. 
On XXXX XXXX, 2015, after talking with XXXX Customer Service, the following actions were taken ; 1. stop payment on check numbers XXXX for XXXX 2015 and XXXX for XXXX 2015, at {$35.00} for each stop payment, totaling {$70.00}. 
2. requested billing statements and communication be sent to an address that belongs to us so that payment coupons can be available for mortgage payment on the XXXX of each month. 
3. authorized correction of the erroneous billing address and that all related correspondence or issues regarding the mortgage be directed to the proper person for payment and resolution of issues. 
4. XXXX emailed a statement for past due mortgage payments for XXXX and XXXX 2015 showing non-receipt of both payments and late fees/penalties ( attached ) On XXXX XXXX, 2015 we received a default letter from a company called XXXX, we were told by XXXX that this company XXXX is a sister company with ATHASOn XXXX XXXX, 2015 - added a second signature and sent the authorization to XXXX then resent the correspondence a second time to verify his signature. 
On XXXX XXXX, 2015 we informed XXXX that ; 1 XXXX XXXX checks had stop payment on them ; 2 XXXX the payments would be mailed again with the new account number ; 3 ) we expected any fees to be reversed and default collections to be stopped and ; 4 ) that a complaint would be issued to the Consumer Financial Protection Bureau so that all parties will be on the same page regarding the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies are no longer available due companies close down no longer a hospital saling people person information identity theft required full investigation an disclosure if u can't provide anything I requested everything should be removed off my credit report I requested to dispute it from my credit report