23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Abusive, Deceptive, and Unfair Debt Collection Practices under the FDCPA ; Violations of the Fair Credit Reporting Act ( FCRA ) I am filing this complaint against XXXX  and Velocity for engaging in abusive, deceptive, and unfair practices that violate the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The specific issues are as follows : XXXX  has furnished an amount that I did not agree upon, and I did not sign any agreement pertaining to this debt. According to the FDCPA, a legal contract must be signed by both parties, and I did not participate in any such agreement. 
XXXX  failed to follow the proper 5-step validation procedure for debt collection, making their actions an unfair practice. 
Under the FDCPA, I am entitled to {$1000.00} per violation. Clearly, XXXX  has violated my rights as stipulated under the FDCPA. 
XXXX. FCRA Violations : The account furnished by XXXX ( Account name : # XXXX ) has violated my federally protected consumer rights to privacy and confidentiality under the following sections of 15 U.S.C. 1681 : 15 U.S.C. 1681 Section 602 ( a ) : States that I have the right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) : Prohibits any consumer reporting agency from making a consumer report containing adverse information that is more than seven years old.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : Prohibits any person from furnishing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

I have been disputing this account furnished by XXXX  since XXXX. XXXX claims that Velocity has purchased the agreement without my knowledge or signature. 
Velocity does not report to the credit reporting agencies and is not reporting a tradeline for this account. 

XXXX has furnished the account and has failed to provide a permissible purpose for doing so and has not followed the proper XXXX validation procedure. 

I hope that the CFPB will take swift action to address these violations and prevent any further abuse of consumer rights. I would hate for this issue to escalate into litigation because the CFPB allowed a furnisher to engage in unfair practices. It is the CFPB 's responsibility to ensure that companies adhere to the law and protect consumers like myself.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had several late payments that I was never late for. Consumer Reporting Agencies have assumed a vital responsibility to report Consumer information to the best of their ability and as accurate as possible. I have never been late. In accordance with the Fair Credit Reporting Ally Financial Acct # XXXX and XXXX  XXXX XXXX has violated my rights. 15USC 1681 Section 602 states that I have the right to privacy. 15USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 purpose. The credit bureaus stated my account was properly investigated within 30 days and how is that possible when all the dates reporting is inactive, the date of last activity is inaccurate, it has has never been verified.
Product: Checking or savings account

I tried to have the bank stop my auto pay on my accounts they told me I have to pay XXXX dollars for each XXXX now more will be pulled fri and I can't pay all of the over drafts and payment I'm with chase bank
Product: Credit card

My husband died XX/XX/XXXX. I notified all creditors including the First National Bank of Omaha on XX/XX/XXXX. I was told that I was " secondary '' on the credit card ending in XXXX. I explained that my husband opened the account in XXXX before we were married ( XX/XX/XXXX ). I further explained that I have never applied to be on the account and have never used the credit card. I explained that I wanted to close the account. 
A few days later I received a bill showing my name only due XX/XX/XXXX. acct ending in XXXX On XX/XX/XXXX I once again called FNBO. I was passed from a rep in billing to a rep in collections, a collections supervisor and a rep in fraud. I was told to submit an explanation. 
I submitted a letter dated XX/XX/XXXX explaining the situation and included a copy of my husbands death certificate. 

I received a letter dated XX/XX/XXXX from XXXX stating that " you completed the application '' and I am responsible for the bill. I received a statement indicating the balance is $ XXXX.with a new acct number ending in XXXX
Product: Vehicle loan or lease

I am writing to formally dispute the reporting of a voluntary repossession on my credit report associated with account number [ Account Number ]. I believe this entry is inaccurate and should be removed urgently, as it does not meet the requirements set forth by the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, consumers have the right to dispute any information they believe is incorrect. I previously requested a method of verification from the reporting agency but did not receive any response. The lack of adequate verification further supports my assertion that this account is inaccurately reported. 

Specifically, Section 609 ( a ) ( 1 ) of the FCRA grants consumers the right to request the deletion of information that can not be verified as accurate. Given that the creditor has failed to provide the necessary verification, I am formally requesting the removal of this account from my credit report. I kindly urge the CFPB to intervene in this matter and ensur
e that my credit report is amended to reflect accurate and verified information. The presence of this erroneous account is causing undue harm to my creditworthiness, and I believe that swift action is necessary.

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I acknowledge your efforts to remove some of the fraudulent information from my credit file that resulted from an alleged identity theft. However, I have noticed that there are still items left on my report that need to be removed immediately. As per the Fair Credit Reporting Act ( FCRA ) section 605, you are required to remove the items listed in the ID THEFT REPORT # XXXX. I have included this report in my previous correspondence and am including it again with this letter. Please note that you have 4 business days to remove the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification. Please conduct another investigation and remove the remaining fraudulent items from my credit report immediately. I request written confirmation once the corrections have been made. Please help me remove these fraud items in my credit file immediately : XXXX XXXX {$5400.00} ; XXXX XXXX {$10000.00} ; XXXX XXXX {$3700.00} ; XXXX XX/XX/2023 ; XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX creditor : XXXX -Account XXXX XXXX XXXX XXXX XXXXOriginal creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

Applied for a new credit card and was declined. Add after receiving an increase on another credit with bank. No one can give an answer to why. But says I have to wait on the letter. Even though I meet all the requirements. XXXX credit score, income $ 500k a year. Debt 2 %, no liens, no bankruptcy, no collection, and 5 yr history with bank. No missed payments. Still declined. Lol are you kidding me.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

When I investigated my credit report, I realized that some of the information was erroneous. Credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating this reporting account as unconfirmed information without producing proof within the legal time range is unacceptable. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$260.00} XXXX  XXXX XXXX  XXXX Balance : {$34000.00} XXXX XXXX Balance : {$0.00} XXXXT XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I called XXXX to find out if I owed money because when I try to use their service, transactions would not go through. I spoke to XXXX rep XXXX. She said I have money in collections. I asked to be transferred to the collections department and she refused. I asked for the phone number to call and she said they dont have a number. Ive been asked for the corporate headquarter address And she refused to give that information as well. I have never received any correspondence from them regarding the outstanding collections. They have my email where information could have been sent! I also called so that I can pay which I told XXXX. Since they are refusing my money, they need to take it out of collections and show as satisfied. If they want the money, Im prepared to pay, but not any additional fees since I was never made aware. 

Also, XXXX demeanor, and especially her attitude was less than acceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX my husband and I set up a forbearance plan with PHH Mortgage company. they stated that they would not report during these months to the credit bureaus. Last week, both my husband and I received an alert from the credit agencies that our scores dropped 17 points due to PHH mortgage company reporting that our account with them was in forbearance. A remark in our minds is STILL reporting as it had a huge affect on our scores. They first added the remark, Affected by natural disaster, deleted it and added, account in forbearance. What course of action can we take to make them fix this! 

XXXX XXXX XXXX XXXX XXXX XXXX, VT
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Product: Bank account or service

I responded to an offer I received from 5/3 bank back in XXXX of 2016, stating that new bank customers that opened new checking accounts would receive {$200.00}. I opened the account online and visited the local branch with the offer code and to finalize the account with a signature and deposit. The terms of the offer explained that in order to receive the {$200.00} I would have to have direct deposit from my employer and complete XXXX online bill payments. I have satisfied all conditions of this offer as of XXXX/XXXX/2016. I have not ever received the {$200.00} for this offer. I have called more than 20 times and I keep being given the run around. I even corresponded through their face book and social media group which finally did call me back and left me a message stating they would honor the offer and wanted me to call them back. This was more than 2 weeks ago and they have still not honored it. I have left more than XXXX voicemails and never get anyone to answer when I call the number they provided. They claimed that they spoke to me on XXXX and that the issue was resolved, but I never spoke to anyone and the issue is not resolved because they have still not honored the offer. I think this is extremely deceptive and coerced me into utilizing account features that I would not normally use to only not have them honor the {$200.00} bonus for completing the stipulations. I think this offer should be honored unless they can show that I have not completed the conditions and they should immediately deposit the {$200.00} into the account as promised.
Product: Checking or savings account

i've noticed over the last several months my transactions are not adding up to the amounts missing i calculated each transition and thousands are missing compared to the amounts paid each month with chime bank or XXXX XXXX  i believe there's someone taking my money each month and making me think i've spent it but when u add charges its no were close to amount deposited there's no fraud charges no record just money disappearing from account please help its over XXXX over the last year
Product: Debt collection

They keep calling my number for various people and each time I tell them no wrong number and then they will call back again for someone else.. Every AFTER I TOLD THEM WRONG NUMBER.. last time I got 2 calls in the same day within 20 minutes of each other, for the same person!
Product: Money transfer, virtual currency, or money service

I am writing to express my concern with 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 inform me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system. Leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises concerns about consumers safety using their service.
Product: Credit card or prepaid card

I recieved an email saying 'do n't miss your chance to earn XXXX extra Membership Rewards points. ' the subject matter for the email was as follows " Looks like you missed out on the Welcome Bonus for your XXXXXXXX XXXX XXXX XXXX. Well, this exclusive offer is your second chance. 

We 're excited to tell you that you could earn XXXX extra Membership Rewards points after you enroll your Card by XXXX XXXX, XXXX and spend {$2000.00} in purchases by XXXX XXXX, XXXX1 These are points you could use toward : Redeeming for rewards from over XXXX leading brands in travel, gift cards, merchandise, or entertainment2 Transferring points to our selection of frequent traveler programs3 Do n't let this chance to earn XXXX extra points pass you by. Get started today. '' I enrolled in the offer and have met the minimum spend, I was not credited the points after 4 weeks. 

I have spent hours chatting up the the CS agents regarding my cases. I have submitted screenshots of the offer. I have escalated the issue to the supervisor as well but for no avail. I was given the reason that I had not enrolled in the offer.
Product: Vehicle loan or lease

well I have had my car going on 4 years and every dollars of XXXX that i have paid only XXXX went toward the loan also when you are late and pay your bill they will tell you it takes 24 for it to get out of the repo company system if your car get picked up even though you have paid you have to pay all those fees to get it back. It is wrong how bridgecrest and carvana do consumers i will never pay this car off with them taking all the money and paying the interest and not the principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX : {$5400.00}
Product: Mortgage

On XXXX XXXX, I went on XXXX to inquire about current interest rates on a new home purchase. I selected that I did NOT want to receive marketing solicitation and have my contact information shared. Despite this, I received an inundation of marketing phone calls and emails from lenders for the following 3 days, including on Sunday, at all hours of the day and night. I asked each of the callers to remove me from their call list and completed unsubscribe requests for all emails on the XXXX. I submitted the opt-out link directly on XXXX on the XXXX. All marketers abided by privacy with the exception of ONE : a  XXXX XXXX from XXXX XXXX XXXX, XXXX # XXXX. There is no unsubscribe link on his email, so I replied directly to him asking to UNSUBSCRIBE in no uncertain terms. I have received emails from him every single day since XXXX XXXX, now totaling 4 emails, and to each I have asked to unsubscribe, including most recently advising him if I was not removed from his marketing list that I would contact CFPB. He continues to send me these annoying emails after I have opted out and asked him directly to stop contacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX requesting you to remove the following items : 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 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 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 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 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 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 ; that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaints & I am including it again. Please comply with the Fair Credit Reporting Act section 605b nad have the disputed items removed as soon as possible.
Product: Debt collection

I just wanted to report a potential spam/scam website : Credence Resource Management , LLC. Website : Https : //www.credencerm.com. 
I received a letter from this company said I have debt with XXXX at {$190.00}. I never owned money to XXXX, and the account number is wrong. I called the number on the letter and answered by an XXXX person, who wanted me to dispute the case at a website which tried to pretend as official XXXX website, but it's not. I realized this is a trap and this debt collector is spam/scam as well. 
On the letter, this company has the Licensed Office Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX ; And they wanted me to mail the response to XXXX XXXX XXXX, XXXX, MI XXXX. 
Thanks.