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

In accordance with the Fair Credit Reporting act XXXX 

XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXXXXXX XXXX # XXXX, has violated my rights. 
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: Debt collection

I have contacted Second Round LP in regards to an account listed on my credit reports that I do not recognize. They are reporting to the major credit bureaus on behalf of XXXX XXXX XXXX XXXX XXXX. I have asked Second Round LP XXXX TIMES to verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt that amounts to XXXX XXXX XXXX. I have never had an account with XXXX XXXX XXXXXXXX XXXX XXXX. I have sent them Certified dispute letters stating that if they can not verify this account, they need to remove the account from my credit reports. They have responded with letter saying that they have done an investigation on the account and it was being reported as accurate. But they still have nothing binding me to a contract. No proof has been made available to me. So therefore the debt needs to be removed from my credit report ASAP and collection efforts need to stop.
Product: Credit card or prepaid card

Please update and verify the following account below, which is not mine but is reporting on my credit report, the information reported is incorrectly. I have never incurred debt with these creditor, I did not made or authorized it. If this account can not be verified, please delete the account. 

XXXX XXXX XXXX account number XXXX Open on XX/XX/2016 XXXX
Product: Mortgage

On XX/XX/XXXX Mr. Cooper presented me with an escrow analysis claiming I have a shortage of {$1000.00} and requiring an additional {$90.00} a month on my mortgage payment. When looking at the detail I found that they had paid my {$970.00} insurance payment twice on XX/XX/XXXX and XX/XX/XXXX. They claim to have stopped payment on the XXXX check but have not provided me with a new escrow analysis.
Product: Mortgage

My mortgage was eventually transferred, but while my mortgage was with Wells Fargo I go behind on my payments. I was constantly calling Cust service asking for help. What options do you have for me? I also had a job change with a short gap of no income. My home mortgage was in default and I was given very few options. My home did not go into foreclosure because they sold the loan and my mortgage is no longer with Wells Fargo.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 card or prepaid card

XX/XX/XXXX USAA refuses to send fraud reports of {$1.00}, XXXX UNRESOLVED FRAUD on my accounts. See attatched FRAUD LETTER XX/XX/XXXX {$470.00} fraud claim date XX/XX/XXXX. Ten months AFTER fraud of {$470.00} until investigation is complete and temporary credits now become permanet. ( ** How do permanet credits apply to the balance of XX/XX/XXXX which was {$470.00} CALCULATED TEN MONTHS PRIOR? ) XXXX XXXX {$120.00} & XXXX {$210.00} ARE NOT INCLUDED IN THE {$470.00}. These transactions I reported UNAUTHORIZED that TOTAL the {$470.00} are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$470.00} The XXXX XXXX {$120.00} & The XXXX {$210.00} ARE * NOT INCLUDED IN FRAUD I REPORTED XX/XX/XXXX. XXXX attatched XX/XX/XXXX statement XXXX {$170.00} XXXX {$170.00} XXXX {$340.00} USAA began fraud investigations XX/XX/XXXX, XXXX attatched XX/XX/XXXX statement. See attatched Fraud Letter of XX/XX/XXXX {$12.00} & Fraud Letter of XX/XX/XXXX {$12.00} & of XX/XX/XXXX {$49.00} & of XX/XX/XXXX {$10.00} XXXX XXXX XXXX XXXX TOTAL {$150.00}. See attatched Statement of XX/XX/XXXX XX/XX/XXXX NEW CHARGES NOT CREDITS OF {$340.00} & NEW CHARGES NOT CREDITS of XX/XX/XXXX, XXXX XX/XX/XXXX Purchases {$470.00} = TOTALS {$810.00} NEW CHARGES NO PERMANET CREDITS. XX/XX/XXXX the disputes USAA converted from fraud I reported XX/XX/XXXX were NOT IN MY FAVOR PUT BACK ON CARD XX/XX/XXXX. Then ( 5 ) Five months later USAA letter of XX/XX/XXXX SAYS transactions are UNAUTHORIZED. They can not be both UNAUTHORIZED & NOT IN MY FAVOR TOO?? I DO NIT BELIEVE USAA INVESTIGATED FRAUDC XX/XX/XXXX STATEMENT {$470.00} THERE ARE ARE NO TEMPORARY CREDITS TO MAKE PERMANET?? XXXX USAA DENIED ME THE RIGHT TO REPORT FRAUD XX/XX/XXXX CONVERTING what I reported fraud INTO DISPUTES THAT REVERSED CREDITS OF {$1.00}, XXXX NO USAA CREDITS EVER GIVEN. {$470.00} XX/XX/XXXX + $ XXXX $ XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX = TOTAL. {$1.00}, XXXX UNRESOLVED FRAUD FROM XX/XX/XXXX TO XX/XX/XXXX AND {$1.00}, XXXX REVERSED CREDITS of DISPUTES NOT IN MY FAVOR?? USAA FRAUDS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Requested that they verify the information, they have said the account is not accurate, and should be deleted
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX , AZ XXXX XXXX XXXX XXXX  XXXX, HI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this account on time but still I am listed as late. I want to see proofs and documents to validate this report.
Product: Debt collection

I am writing to file a formal complaint against Fidelity Creditor Services and my former landlord, XXXX XXXX XXXX XXXX. 

Despite a lawful court decision stating that I owe {$0.00}, Fidelity Creditor Services is attempting to collect an alleged debt on behalf of XXXX XXXX XXXX XXXX. This action not only violates the court 's ruling but also breaches collection laws, using intimidation tactics. When I contacted Fidelity Creditor Services to request the legal basis for their actions, the representative failed to provide any justification and abruptly ended the conversation by hanging up. 

I have attached the court judgments for both myself and my partner. Additionally, I have sent letters to both the collection office and the landlord, stating that their actions are unlawful. 

I request your assistance in addressing this matter and ensuring that Fidelity Creditor Services and XXXX XXXX XXXX XXXX cease their unjust collection practices. 

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

1. On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
2. On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
3. On XX/XX/XXXX, CONSUMER PORTFOLIO S add a hard inquiry on my credit report per XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account ]. I have not received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. SANTANDER CONSUMER USA XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Balance Balance Updated Last Payment Date Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : Auto Loan XX/XX/XXXX Closed Account charged off. {$8500.00} written off. {$9600.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$9600.00} XX/XX/XXXX XX/XX/XXXX 43 % {$9600.00} {$17000.00}
Product: Checking or savings account

CitiBank notified me on XX/XX/2022, that my account would be closed and that within 60 days they would refund my money. As of today, XX/XX/2022, I have not received my funds, which means that the {$2000.00} that I transferred from XXXX Bank XXXX XXXX XXXX account to CitiBank does not earn interest. I request the immediate return of my {$2000.00} funds.
Product: Credit reporting

There was a breech to the system of Transunion. Some inquires were removed but put back on without notice or explanation
Product: Checking or savings account

on thursday XX/XX/22 i received a phone call from XXXX of sofi bank. he told me that because my check had bounced and that i had previously tried to deposit other checks that was " suspicious '' and they were going to close my account. i was ok with that as i never used my sofi account to begin with. However i have {$500.00} frozen in there that i can not use. and he told me over the phone on thursday that on friday ( XX/XX/22 ) he would transfer the funds over to my XXXX account on file. He has not done that yet, my account is still frozen, and he has not returned my calls despite me leaving voicemails.
Product: Credit reporting or other personal consumer reports

I have disputed with XXXX, Equifax, and XXXX XXXX about XXXX credit card collection. I have requested them to Verify the collections were 100 % accurate and if not to please remove it fromMy credit immediately.
Product: Debt collection

On XX/XX/XXXX, I talked with XXXX XXXX about a garnishment issued against me in XXXX. After talking with XXXX @ XXXX XXXX then XXXX @ XXXX XXXX, I found out this was for a debt that was for a Discover Card opened in XXXX and closed in XX/XX/XXXX and was bought by XXXX in XX/XX/XXXX. Balance was {$4700.00} and current balance {$4500.00} with 25 % deduction. Then upon going thru old paperwork, I found a letter from XXXX XXXX dated XXXX XXXX stating that this debt has been investigated and is closing the account with a {$0.00} balance. Still digging I found a court document stating that XXXX XXXX having received full satisfaction and payment, releases the judgement entered on XX/XX/XXXX for {$2900.00}. According to Discover Card, I was only an AUTHORIZED USER and not responsible for this debt.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The late payments being reported on this account are inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 
XXXX XXXX XXXX XXXXXXXX ] I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history on my credit profile to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws.
Product: Credit reporting

I received my credit report and there is two address on their I have never lived at. I would like those removed. 
XXXX XXXX TX XXXX XXXX. XXXX TX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/year> XXXX*Consumer Financial Protection Bureau ( CFPB ) ** XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX **Re : Dispute Resolution - Removal of Unverifiable Account from XXXX Credit Report** Dear Sir or Madam, I am writing to inform you of the successful dispute and removal of a {$5300.00} XXXXXXXX XXXX charge-off account from my XXXX secondary credit report. The account was deleted as a result of the investigation conducted on XX/XX/year>. 

It is my understanding that XXXX has verified the account as unverifiable and has accordingly removed it from my XXXX report. I am requesting that the same action be taken by all other credit reporting agencies ( CRAs ), including XXXX, Experian, and XXXX. Given that the account has now been deleted from XXXX, it is my right to have it removed from all other credit reports as well. 

As a consumer, I am protected under the **Fair Credit Reporting Act ( FCRA ) **, which mandates that all information on my credit report must be accurate, complete, and verifiable. The FCRA, specifically **Section 1681i**, gives me the right to dispute any inaccurate or unverifiable information, and once an item has been disputed and deemed unverifiable, the CRA must remove the account from my report. 

I request that you take immediate action to remove the unverifiable {$5300.00} XXXXXXXX XXXX charge-off from my credit report within **30 days** or less, as required by the **Fair Credit Reporting Act**. If this account remains on my credit report past the 30-day window, I will consider this a violation of my rights under the FCRA, which could lead to further legal action. 

Furthermore, under the **Fair Debt Collection Practices Act ( FDCPA ) **, I am entitled to protection from any attempt to collect on unverifiable or improperly reported debts. If you fail to remove this account within the legal timeframe, I may have grounds to file a complaint with the CFPB and/or pursue legal action for any damages I may suffer as a result of inaccurate or unverifiable information remaining on my credit report. 

Please confirm in writing that the unverifiable account has been removed, or inform me of any further steps required to ensure its deletion. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
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 with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. 

The 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. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Vehicle loan or lease

My initial complaint is PREDATORY LENDING. 

I purchase a vehicle at XXXX XXXX XXXX XXXX ago. I have a lending company which I paid $ XXXX $ XXXX {$500.00} a month. The vehicle I purchase has a total of {$18000.00} still under finance. This is a XXXX XXXX XXXX and ever since I purchase this vehicle it has given me problems from the start. 
Problems list : XXXX unit when out- replaced by XXXX within the 90 days of purchase Computer system when out-replace by XXXX within the 90 days of purchase Turbo lines leaking- replace by XXXX, then sent over to My Car Center for a second replacement wheel struts were cut and repair by XXXX Finally a used engine replacement done a month and half. 
Pickup car on XX/XX/XXXX pay {$380.00} plus a new battery {$180.00} Today XX/XX/XXXX the engine light just came on. 

This vehicle has being in the shop more than 8 times and no one is willing to help get me out of this car. I have reached out to the XXXX corporate office, the finance company, the XXXX store and all they keep saying is " let get the car fixed first and then we may be able to trade with down payment. The corporate office said 'all let me escalate the issue and see what solution we can up with we will call you back in a day or two ''. 

Yes thank XXXX for the XXXX I have on this vehicle for the payment of the repairs, but that is not the case here, I believe I was sold a lemon vehicle that I am stuck with and no one wants to help. I am stuck paying {$500.00} a month for a vehicle I can not even use for the long term as I am afraid it may leave me walking as it has done in the past. My husband and I are so frustrated with all the run around the companies are giving us, We have paid over {$12000.00} XXXX of dollars for a lemon. We just can not take it anymore. Oh to top it off we can not even get a rental while the vehicle is at the shop because we do not own a credit card. We were stuck at home with no car for 3 weeks in two different occasions while the vehicle was being repair. Close to losing our jobs because of no transportations My husband had to travel with XXXX and lift to and from work in order not to lose his job. 
And now we are back to square one as we have to take the car back to the shop just to find out why the engine light when back on, and they will take XXXX weeks before they can take a look at it. 
I don't think this is fare to us and XXXX or finance company to just keep fixing this car when they see that this car has a long history of repairs. And we can not just keep pulling money out that we do not have to pay a {$250.00} deductible every time the vehicle needs repairs. 

Can someone please tell me they can help us get out of this vehicle or what can we do to resolve this situation. Helps us please.
Product: Credit card or prepaid card

I applied for a Citi XXXX Card in XX/XX/2019 ( don't remember exact date ) with a promotional offer to spend {$4000.00} in first 90 days and receive XXXX reward points. Initial card was never received ( sent via USPS ). I called to report that it wasn't received after about 3 weeks. A new card was issued with assurances that the promotional 90 day period didn't start until the card is activated. I asked at the time for them to send me the card via expedited service to guarantee delivery, they would not. 

I never received the 2nd card. After about 3 weeks I called back and was told to wait a bit longer. I called back within a week or 2 and told them to just cancel the card as there was obviously some issue with their delivery capabilities and I was uncomfortable with a credit card being lost in the mail again. The rep on the phone would not let me cancel my card, elevated my issue to someone more senior, who essentially convinced me to not cancel ; told me he would expedite the card to me and promised that the promotional period for rewards wouldn't start until activation. 

The first recorded transaction on the card was XX/XX/XXXX - I am certain I used the card within a day or 2 of receiving. At this point ( XX/XX/2019 ) I have spent and repaid well over {$4000.00} in the first 90 days ( I never carry a revolving balance on my cards ) and have been told by Citi that my promotional period ended XX/XX/XXXX ( driven presumably by my initial application/approval date ) and that I did not qualify for the bonus. 

I feel like Citi lacks cohesion in their customer service and this feels relatively predatory to me. They wouldn't let me cancel in hopes that I would rack up a large bill and still failed/refused to honor their promotion after the many assurances I received. What's more, they never offer case numbers or dispute numbers that you can reference for future calls, so it's impossible to tell if there's any record of the customer service events that have occurred. 

I have also spent a very long time on the phone with various agents throughout the course of the issues with my cards and that is very frustrating. CITI does not have an email address through which I can produce a written record of the complaint, and there are no inbound numbers to call other than 1st line customer service.
Product: Money transfer, virtual currency, or money service

I am writing this complaint regarding a fraudulent company named XXXX ( XXXX  ), currently unavailable. 
I was contacted by XXXX who offered an attractive investment and claimed that my funds would be deposited into an investment account in my name, I did not receive a real investment account and I now understand that XXXX  is not regulated in the United States, where I reside. I now understand that XXXX  does not have the ability to provide segregated accounts for investment purposes I acquired Bitcoins from Coinbase.com and transferred that to XXXX. Unfortunately, I have not received any help from Coinbase ( registered in USA ) to recover my stolen funds. 

Thus, I am reaching out to you to consider my case and help me recover the stolen funds. 

Thanks and Regards, Complainants Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, GA XXXX, USA Contact : ( XXXX ) XXXX XXXX