23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I made a payment via the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) website. On XX/XX/XXXX, I made another payment via the same website. I did not receive a confirmation via email or mail for either payment but they did clear from my bank account. After this, I received a copy of a Warrant in Debt summons from XXXXXXXX XXXX office. Per the summons, I was being sued for the debt. Prior to filing the complaint, I had not been contacted. 

On XX/XX/XXXX, I mailed XXXX copies of the payments I had made and a letter to request a payment plan. I informed them that I had made XXXX payments and I intended to pay my debt in full. I did not receive a response. On XX/XX/XXXX, a Sheriff 's Deputy served a copy of the Warrant in Debt at my home. On XX/XX/XXXX, I faxed another copy of the letter and the payments to XXXXXXXX XXXX office. On XX/XX/XXXX, I called their office to speak to someone about a payment plan. I was immediately forwarded to a voicemail, but I did not leave a message. 

Today, I received mail from XXXX. It was a copy of a Warrant in Debt for a different debt and court date. They have never contacted me about this debt before filing the complaint. I have not received any form of documentation to request payment and/or a response to their request for payment. As of today, they still have not responded to the payments, letter, or the fax that I sent.
Product: Debt collection

I recent pulled my credit report and noticed an account listed that I do n't recall signing any contracts with and by me having a common name I   XXXX   my name in my area and noticed several people with the same name as myself. After disputing with credit bureau and they claim to have verified but send me no supporting documents as in a copy of a contract of some sort bearing my signature.
Product: Credit reporting or other personal consumer reports

Why must I suffer as a consumer just because your company chose to ignore and neglect all my concerns about these unverified accounts. Not only is it XXXX on my XXXX XXXX, but also a violation of my rights as a consumer.
Product: Debt collection

I recently visited XXXX XXXX  XXXX XXXX ( XXXX ) and owed some small medical debt to them. XXXX partners with a company called CarePayment ( CP ). Through CarePayment, XXXX offers their customers a 0 % line of credit. They advertise that all a customer has to do to opt-in to this line of credit is to not pay their bill for XXXX  days and they'll receive further communication from CP. " If you can not pay the entire balance within XXXX  days, our partner, CarePayment, will notify you regarding a XXXX interest monthly payment plan. You will receive a welcome kit from CarePayment in the mail that includes your first statement with the due date and the amount of your monthly payment. '' This process worked perfectly for my bills dated XXXX and XXXX. However, I also had a bill dated for XXXX that, instead of being sent to CP and applied to my 0 % line of credit, is being forwarded to collections. XXXX sent me a bill that has contradictory information on it, leaving me unsure of what's going to happen with my bill. For the statement for XXXX, the most recent bill they sent me still says I can not pay the bill and XXXX  days later they'll add it to my CP account, but they also say that I only have XXXX  days left to pay the bill or they're going to send me to collections. I received no such threatening letters regarding my XXXX and XXXX bills as they were properly applied to my CP account.
Product: Debt collection

Recently I checked my credit reported and noticed and saw accounts that I do not recognize. Under U.S.C 1681 section 602 A and U.S.C 1681 Section 604 A Section 2 I have a right to privacy and t also states a consumer reporting agency can not furnish a account without my written instructions. The creditors failure to reflect properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car the insurance paid it was totaled an it has been removed from my other credit reports but experian will not remove it an I have not seen anything about what they investigated
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX Date of inquiry : XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

This tradeline needs to be removed. A JUDGE declared iM Court that I am no longer responsible for this account. This was orginally a XXXX XXXX account, then sold to XXXX XXXX  and then to XXXX XXXX. It was dismissed making me no longer liable for account
Product: Credit reporting or other personal consumer reports

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this company 's that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!
Product: Payday loan, title loan, or personal loan

I applied for a loan on Monday XXXX XXXX, started my allotment on XXXX XXXX. I called the company several times on Monday the XXXX and Tuesday the XXXX asking if there was anything else needed and they kept saying no. After several hours of no movement of my application I called back again on both days and then they would tell me something else is needed. The company fails to reach out to costumers basically not trying to help expediting the process. They constantly prolongs the process. This company had terrible reviews. Every review they have is bad and I didnt notice that until after I got involved with them. My loan was finally approved on Tuesday XXXX XXXX at around XXXX XXXX  EST on the online site. The status stated funded. I talked to a lady named XXXX who told me that the money has been released to your bank on Wednesday and I would need to wait 24-48 hours. Now I fast forward to XXXX XXXX Friday and I still have no money. I call and email and they tell me the same thing 24/48 hours and at the point Im past 72 hours. Today is Saturday XXXX XXXX and I still have no money. The company isnt replying to my emails when I call they give me the run around. They tell me what I wan na hear but they are doing nothing. My mother has been evicted because she cant pay her rent, shes XXXX and this loan was for me to help her. I needed the money by Friday the XXXX which was plenty time for the company to fund me but they have failed seriously. Ive contacted my personal back 3 times and they told me that there is no pending deposits from anywhere. My bank asked me to get a trace number for my loan. I asked armed forces for the trace number and they told me there was not a trace number. I think this company is scamming people. They owe me {$2200.00}. Please help me hold this installation accountable for the mistreatment of customers. It seems as if they dont care about peoples needs and they dont put a sense of urgency on anything. They just prolong the process and go home and dont contact anyone about anything furthermore, their office is closed all weekend so if u dont get anything during the week you are XXXX until Monday. In my case I never got any kind of answer about where my loan is and now Im left with no money for the entire weekend and there is nothing I can do about it. They are closed there is no after hours line, there is no emergency line or anything.
Product: Checking or savings account

Chase bank XXXXXXXX XXXX XXXX XXXX I never opened accounts and Im trying now and they wont let me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several packages certified mail with the following documentation requesting my credit reporting statutes be enforced. 

My credit report I received from your company. The fraudulent items are circled. 
A copy of my Police Report Identity and FTC Affidavit. Proof of my identity and utility bill.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within 4 business days. 

Equifax refuses to block fraudulent items from my credit report. My credit reporting statutes must be enforced if sufficient information is provided under FCRA605b. Also, code 15 USC 1692g states no one can verify an alleged debt but the original creditor which is me ( XXXX XXXX XXXX ). There is also a medical collection on my credit report. or them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Implied consent was never given on my behalf. Therefore, my request is twofold validation of debt and HIPAA authorization. I have asked Equifax to validate the debt and received no response. 
I have attached proof the items were delivered successfully, and XXXX just refuses to support my credit reporting statutes. 

Equifax refusing to remove this information immediately is a violation of the following : Per public law 104-191 Sec 1177 this is a violation per 15 USC 1692e ( 2 ) ( A ) ( iii ), 15 USC 1694f ( 8 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681 ( a ) ( 2 ) ( A ) ( iii ), 15 USC1692 ( k ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account number XXXX is reporting with incorrect negative remarks. I have closed, settled and Paid XXXX in full. Per my understanding and agreement the account should report as paid and closed, no negative or updates should be reporting after settlement. The account has Unavailable data for 2 years then there is an incorrect Charge off reported on XX/XX/2022. I am beyond disappointed on the inaccuracy of my report which I have disputed multiple times before and I'm still unsatisfied with the answers I have received. The information reported on the account XXXX is damaging financial and misleading.
Product: Money transfer, virtual currency, or money service

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 impossibleind that XXXX XXXX thes to 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: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3900.00}
Product: Credit card or prepaid card

Contacted company to close account because of the poor customer service. Paid the amount given my the customer agent I talked to. I was told that I owed nothing else and was paid in full. This happened in XX/XX/2022. In XXXX I was notified of a late payment on my credit for {$6.00} plus a late fee. How can I charged a late fee and have a late payment on an account that was closed months ago? For {$2.00}? I contacted the company to file a formal complaint and have not heard anything. This has to be against the law.
Product: Checking or savings account

I checked my email to find 4 emails from Bank of America first asking me to verify my email address, then welcoming me to Bank of America Online, then another email stating my email address had been updated successfully, then another email address stating my online application was approved. All of these emails and transactions took place starting at XXXX with the last one being sent at XXXX - all of which during a time I was asleep. I did not initiate any such actions with Bank of America and do not have any business dealings with them.
Product: Credit reporting or other personal consumer reports

I have submitted over XXXX letters over XXXX XXXX requesting verification of the debt accounts listed on my credit report. I have received requests for verification of my identity and that documentation was included with each letter, each time I mailed it. I responded to the request for additional documentation, providing what was required and their response to my submission was the exact same letter they responded with each time requesting the same documents I had previously provided.
Product: Checking or savings account

This bank it giving me a hard time first they told me to apply online I do and I told them I have a fraud alert to process my application they must verify my identity they then tell me to send them my license which I have and they still have not opened it instead keep me on hold and application this is nkt fair instead of processing my identity and having the account opened
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had immense difficulty in trying to freeze my credit with all reporting agencies. After the hack that stole data from XXXX, freezing my credit should be free across the board at minimum. XXXX yet, they should automatically freeze all credit until you unfreeze it.
Product: Money transfer, virtual currency, or money service

They will not let me withdraw my crypto. Ive been a customer for years. No reason given. I keep signing up for their callback queue but they never call me back. They also have the limitations per day, in the past I could not withdraw everything fast enough and now I can withdraw none. The chat support says I have to receive a call back, but when I file a ticket for a call back, their system says they tried to call me back, but my phone never rings. I have no problems getting calls from other companies and individuals.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX the Authorized Representative for XXXX XXXX has been unfairly treated due to the nature of improper credit reporting, and for the mistreatment of the credit reporting laws and compliance.These are multiple violations of the law and slander of my good name and character. REASONS : I NEVER GAVE ANY AUTHORIZED / PERMISSIBLE USE OF ANY OF MY PERSONAL INFORMATION. 
I do not owe any debt or any alleged debt. 
I also refuse to be an implied surety/debtor. 
These are few of many violations done on my good name ; which breaks the law. 
NOTICE TO CEASE AND DESIST stop all COMMUNICATION any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the consumer report ( bearing Information regarding the alleged debt ) See XXXX XXXX XXXX ( c ) See attachment with cease and desist request : XXXX XXXX XXXX
Product: Debt collection

RECEIVED NOTICE OF " FINAL DEMAND FOR PAYMENT '' WHEN I HAVE NOT RECEIVED ANY PRIOR NOTICE OF THIS DEBT, NOR AN INVOICE FROM THE HOSPITAL FOR THE ALLEGED DEBT. I HAVE ALSO NOT RECEIVED ANY INFORMATION ON HOW TO DISPUTE THIS DEBT OR IF I CAN EVEN DISPUTE IT.
Product: Credit reporting or other personal consumer reports

I first came to USA in XXXX and after receiving my social security card went to DMV to apply for a drivers license. My bag was stolen in DMV along with my social security card and passport. Two months later I left USA. Coming back in XXXX I checked my credit report and noticed several fraudulently opened credit card accounts. All the creditors solved the matter, but XXXX XXXX bank with a charged off credit card with the balance of {$9700.00}. It`s been a year I am sending my supporting documents to XXXX XXXX proving that I was not in US in XXXX and never had any business account either. I attached the email from XXXX stating that the business opened in my name was fraudulent. After providing all this new supporting documents they still deny my case. They also are not able to verify my identity every time I call and they send me to the branch for verification one hundred time. This needs to be solved immediately. Please help my with my concern.
Product: Credit reporting or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 45 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) states plainly that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so all relevant items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused to me. My information was also i pacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Debt collection

This debt keeps being reported even though I did not open this account in XXXX as it says in the credit report. I closed my account with XXXX in XXXX and paid the bill off in full with a check from XXXX XXXX XXXX. 

First off, this debt should be removed immediately because it is not my debt as I did not open this account. 

Second, it should be closed because even though I have known this is not my account I was so scared of getting bad credit that I actually paid the balance in full to XXXX XXXX before XXXX because I was getting harrassed by them. 

There is no way this should be on my account still and there is either fraud or innaccuracy here.
Product: Debt collection

Received a notification seeking to collect a debt for a toll of {$1.00}. I have not received any prior notification or bill for a toll previously. The notice is charging a {$100.00} service fee to collect a {$1.00} toll that I've never been notified about or billed for previously.
Product: Credit reporting or other personal consumer reports

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

15 U.S.C 1681 section 602 A. State 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 an account without my written instructions.
Product: Student loan

I requested Total permanent discharge for a student loan. The loan is now XXXX I can not afford im on a fix income with social security administration. Texas higher education board denied my XXXX   discharge request because my loan was in default.my XXXXXXXX XXXX started in XX/XX/XXXX I was incoherent due to my mental illness about how to fight a student loan lawsuit and was mentally impaired.I was certified XXXX by the social security administration in XX/XX/XXXX. I was sued in XX/XX/XXXX.I am unable to engage in substantial gainful activity due to my XXXXXXXX XXXX XXXX
Product: Student loan

I enrolled in a XXXX College course in 2007. My tuition amount was increased after classes had already started. Albeit I was told beforehand that it would n't happen. Several years after graduating and life experiences, I went through a hardship that rendered me homeless for a few years. As I 'm writing this, I am just recovering. Explaining this ordeal to a service rep seems to fall on very deaf ears. I was always offered a forebearance, never offered a solution that made sense, was suitable to my situation and that would help me be in good standing to allieviate the loan. Not a very pleasurable experience whatsoever. I am a XXXX, married man and father to a child under XXXX yrs of age. My desire is to improve and create a better quality life for my family. Thank you for reading.
Product: Credit reporting or other personal consumer reports

Ive recently filed a complaint with XXXX. Per their recommendation, I pulled all three of my consumer reports and found damning evidence of illegal reporting. They only reported to XXXX and XXXX. Under the FCRA and industry reporting standards lenders and services must include accurate and complete information. Key required fields are as follows : Date Opened Original Balance Current Balance Credit Limit Payment History Current Account Status Date of Last Payment Date of First Delinquency Date Last Active Charge-off Date ( where applicable ) Collection Status According to these consumer reports, your agency is in violation of SEVERAL FCRA guidelines. The information furnished to XXXX includes none of the required data points per the FCRA. Furthermore, youve reported i have made payments for YEARS that i have no knowledge of. 
Upon inspection of the XXXX reports, you failed to furnish several data points per the FCRA and furnished inaccurate information regarding the Date of Last Reported Update ( XX/XX/XXXX ) I have not made any legitimate activity that would require you to report this information to the CRAs. Even more egregious is the Date of Last Payment is reported as XX/XX/XXXX. I did not make a payment nor am I aware of who made that specific one or any of the others preceding it. Attached are copies of this illegitimate account I pulled directly from the credit bureaus.

I am asking for this erroneous account be deleted and Im seeking monetary relief for each and every inaccuracy your company furnished to the CRAs over the years.