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

On XX/XX/2023, someone attempted to open a XXXX  XXXX credit card in my name. 
This appeared on my credit report on all 3 agencies. 
XXXX  XXXX did call to verify and I was not compromised. 
The action appeared on my credit report so this person has access to my social security number, name, address, and personal information. 
The address used was XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX and the phone number was XXXX XXXX. 
I have no knowledge of anyone or anything in North Carolina and have disputed this attempt to steal my identify. 
I did phone NC police and received Police Report # XXXX from their office. 
I am reporting this attempt to open a credit card in my name, which resulted in inquiries on my credit report which are inaccurate so that I can document my personal information is being compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I send XXXX, Equifax, XXXX XXXX and XXXX  a letter disputing the validity of the Bankruptcy and Child Support on my credit Report, XXXX XXXX respond with a letter stating " we have Deleted information '', XXXX  in Violation with FCRA stating " verify and accurate '' Bankruptcy only without stating Child Support validation and they not stating what was the method they used to verified neither, Equifax and XXXX  in violation with FCRA they never answer. 

I went back to XXXX, Equifax and XXXX  on XX/XX/2021 sent a letter showed them the deleted Bankruptcy and child support and also showing them the inaccurately and inconsistency they have in the report and informing them that they could not reveal how they truly verified this item it need to be deleted according to FCRA, they once again refused to deleted this item which is imploding in my ability to purchase a home and causing me to pay thousands of interest every year. 

this items need to be deleted from my credit report if it can not be verified within 30 Days.
Product: Payday loan, title loan, personal loan, or advance loan

I sent a check for XXXX $ on XXXX, XXXX, XXXX and here we are the XXXX XXXX and I received no credit for the payments and they charged me significant interest when the payment should of resulted in a pay off of the loan. The practices at Greensky are illegal. They have held other cashier 's checks that I have sent and did this before
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still other account that need to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ). I'm hoping that this disputed account get corrected. 
US DEPT ED XXXX Balance Owed : {$7900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

RE : Collection of a personal loan. 

On XX/XX/year>, I sent via certified mail with return receipt a request for Vance and Huffman to cease and desist communication with me invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c, which regulates communication practices by debt collectors. I further instructed them to consider that letter as a formal dispute of the debt associated with the referenced account number ( XXXX, {$4300.00} ) and requested FULL validation. To this date, I have not received full validation as required. On XX/XX/year>, XXXX and XXXX responded via letter per XXXX stating only that they were in receipt of my dispute and confirmed my name and address and amount owed, nothing else. I have not received the full validation of debt per my request. I have attached a copy of their response for your reference. 

Vance and Huffman is also representing themselves as the original creditor on my credit reports but is reporting on their response letter XXXX XXXX XXXX XXXX XXXX also is not the original creditor ).
Product: Credit card or prepaid card

On the XXXX of XXXX I was double charged for Medical Services averaging in over {$400.00}. 
When I set up an online account to pay by ACH checking account, it was obvious that a XXXX Party was online with me, as XXXX Medical Charges under Peepers.com ... .using the term : Non specific Medical Charges appearing XXXX as though I had an Eye Exam, and fitting for non Rx reading glasses. 
The first Medical Charge was grabbed and switched to a merchandise purchase. Then there is a XXXX charge. 
I was a TENANT INSIDE A REHAB HOSPITAL AND MY INSURANCE PAYS 100 % AND THEREFORE THERE IS NO NEED FOR MEDICAL SERVICE CHARGES. 
THE FRAUD DEPARTMENT IS VERY LAXED AND JUMPED AT THE CHANCE TO BLAME THE CUSTOMER ... SHOWING A LACK OF INTEGRITY AND PROFESSIONALISM. USUALLY AN APOLOGY IS MADE AND AN INVESTIGATION IS LAUNCHED FOR XXXX TO XXXX HOURS. 
THERE ARE SO MANY COMPLAINTS AGAINST DISCOVER THAT MAKE THEM LOOK VERY SHADY, I DOT THINK I WOULD EVER EVER TRUST THEM AGAIN. 
I LAUNCHED A COMPLAINT WITH THE FTC FOR DECEPTIVE TRADE, AND FALSE ADVERTISING FOR PROMO CASH DEALS UP FRONT. I COULD NOT GET MY ACH TO GO THRU THE FIRST TIME AND THE XXXX TIME, THEY CAN'T SEE WHETHER MY ONLINE PAYMENT WENT THRU, OR WHETHER THE XXXX XXXX EXTRACTED MY BANK ACCOUNT NUMBERS AND SAILED AWAY WITHY LEFTOVER CASH. 
VERY POOR SERVICE... OUT FOR THEMSELVES, AND REALLY ARE JUST AS CLUELESS AS AFFIRM ONLINE SHOPPING INSTALLMENT LOANS. YIKES! WHAT A NIGHTMARE ... CONSUMER IT UTILITY TRAPS IN SETTING UP LOANS WITH AFFIRM, TOO!
Product: Mortgage

In XX/XX/XXXX I purchased a house in XXXX Florida In XX/XX/XXXX Loan Care, a service company, took over collecting my mortgage. 
Around XX/XX/XXXX Loan Care demanded I purchase Flood Insurance claiming I was in a Special Flood Hazard Area ( SFHA ). I proved to them by uploading to their site copies of a Federal Emergency Management Agency Letter of Map Revision ( LOMR ) dated XX/XX/XXXX proving I was not in a SFHA. They rejected this proof as being out of date and purchased Flood insurance for {$2100.00} and billed my account. They are now trying to collect the extra amount by adding it to my mortgage. I protested and sent them a updated FEMA Standard Flood Hazard Determination Form ( SFHDF ) showing my house is not in the flood plain. Now they say I am not paying my mortgage and are threating to damage my credit rating. I have supporting documentation. I have written several letters and spoken to 'customer service many times.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX  XXXX XXXX, PA XXXX Transunion ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX  XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, TX XXXX XXXX  ( XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled the items I dispute on the attached copy of the report I received. The information TransUnion LLC Consumer Dispute Center, XXXX  XXXX XXXX XXXX and XXXX  XXXX XXXX XXXX is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

I have currently snap shots on my phone displaying inaccurate credit score ratings TransUnion is rating my credit score at XXXX, XXXX  rates my credit at XXXX and XXXX  rates my credit at XXXX. 

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Money transfer, virtual currency, or money service

I am a victim of romance scam. On XX/XX/2024, I was coerced into sending four transactions, totaling over {$7500.00} to a woman in XXXX. On XX/XX/year> I realized that it was a scam and initiated disputes with Paypal. Paypal, within the same day, closed those disputes and sided with the scammer. Paypal did not perform an investigation and immediately sided with the merchant due to the money being sent by " Friends and Family. '' I initiated chargebacks for the four transactions with my credit card, and Paypal apparently sent additional information SIDING with the scammer. I have initiated various dispute with authorities ( e.g., FBI and US Embassy in XXXX ), and Paypal has not heeded any of this information. 

It takes approximately a month for funds to clear, so Paypal could have canceled/reversed the four transactions that were fraudulent. They, however, have done nothing and aided the scammer in furtherance of her scam.
Product: Debt collection

Debt was originally owned by XXXX XXXX XXXX. It was opened on XXXX XXXX and closed on XXXX XXXX XXXX. A new debt collector picked it up and said the original debt was opened XX/XX/XXXX. Now I have no way of getting rid of the original debt after 7 years because this new collector won't acknowledge my attempts to dispute.
Product: Vehicle loan or lease

XXXX XXXX closed it's business on XX/XX/2023 without a notice. I have not received a notice on who bought my loan. I reach out to Westlake Management but this is a debt collector. After speaking with another person who bought a car from XXXX XXXX. She stated that Westlake contacted her for a payment. I went online and I saw that XXXX doesn't have a record of my payments for the two years I have lease my car. Please tell me what to do?
Product: Checking or savings account

Capital One XXXX  closed my account on XX/XX/2021 for no reason at all. They never disclosed what the issue was. I had previously filed a complaint against them for failing to refund my money from a fraudulent XXXX wholesaler. They failed to do this so I filed a complaint. On XX/XX/XXXX they closed my account and said they would be transferring my funds to an attached outside account if I had one within 2-3 business days. I do in fact have a linked XXXX outside account and it is now well over a month that they have not sent my funds to that account. THIS IS ILLEGAL. WE ARE IN THE MIDDLE OF A PANDEMIC AND THEY ARE HOLDING THOUSANDS OF MY DOLLARS. I would like them to send my money to my XXXX account now. They have held my funds for over a month prohibiting me from paying my bills. This is unacceptable, unprofessional, illegal and I will pursue this matter even if it needs to go to court.
Product: Credit reporting or other personal consumer reports

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty day time frame. 
Below are the errors I have identified : XXXX XXXX XXXX XXXX-Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is no longer mine. This is a notice pursuant to FDCPA 15 USC 1692g stating your claim is disputed and validation is requested. FDCPA Section 807 ( 8 ) states if you can not validate this debt you must request that all credit reporting agencies delete the entry IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX  XXXX Bankruptcy Case Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number XXXX XXXX ; XXXX  Account Number : XXXX
Product: Checking or savings account

Check for {$89.00} was deposited on XX/XX/XXXX, check for {$290.00} was deposited XX/XX/XXXX. Check issuer submitted check fraud/scam complaint on XX/XX/XXXX, Bank of America did not reach out through email or physical mail or Bank of America app inbox, to collect evidence about complaint. Bank of America withdrew funds from my account on XX/XX/XXXX which was the only reason I knew there was a complaint. When calling Bank of America they provided me with cost information saying I could still submit evidence, this was false. Check issuer is a XXXX XXXX customer which is why they took their side. Check was deposited and cleared for several weeks. This should not have happened without gathering evidence from both sides
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, Transunion, and XXXX to reinvestigate this account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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: Money transfer, virtual currency, or money service

My cash app account was frozen 5 days ago due to suspicious activity but there has not been any suspicious activity. I have {$210.00} in my account. I have called them twice and contacted support via the chat option and they will not give me any information as to why the account was frozen or how long it will take to release my funds. They keep saying it has been escalated to their support team and they will send me an email. No help whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday I went to the car dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. I'm working on this all on my own. I contacted the police and FTC. These are the 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. inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX, I used my Cash App card to pay a deposit of {$370.00} at XXXX XXXX XXXX in XXXX XXXX. After my stay, I contacted Cash App because I hadnt received a refund. They informed me, This hold should drop off by the end of day XX/XX/XXXX if not completed. We are unable to expedite cancellation, but you are welcome to reach out to the merchant directly. Despite receiving confirmation from the hotel that my funds had been released, Cash App continued to hold my money for over a month without providing a valid explanation or assistance Another instance. I was charged a {$75.00} fee for a return charge for my rent that wasnt my fault, so my card is set to use cashapp but my card wasnt unlocked without me knowing, so the fact that the charge still went through later on in the day without sufficient fund cashapp still charged a {$75.00} fee I had to pay
Product: Credit reporting

XXXX Account : XXXX is a fraudulent account and has been disputed with both the creditor, The collection agency representing the account, and the XXXX major credit bureaus. I have provided proof of identity theft report filed by local law enforcement agency to all entities mentioned. The collection agency XXXX XXXX has since remove the collection account however, the creditor itemized account in association with this collection is still listed as a " charge off '' with transunion. I have disputed this item with the credit bureau Transunion and was advise that they were able to verify the information as accurate with the XXXX XXXX. I have contacted XXXX XXXX directly regarding this issue and was advised that the account does not exist in their database system and was an investigation could not be filed since the account does not exist in their system. I was then referred back to the collection agency to handle this dispute. After speaking with the colleciton agency XXXX XXXX today, I was told that they have do n't their due diligence by removing the collection entry. I was further told that they only handle reporting issues generated on their end. Needless to say, the item is still listed on my report by XXXX and I am disputing it once more.
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized inquiries the inquiry was not authorized. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XX/XX/XXXXand 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX continues to not report correctly each month Missing data. XXXX XXXX XXXX has not reported the open or close date or status to transunion.
Product: Vehicle loan or lease

XX/XX/XXXX Today we were preparing to make two monthly car payments each being {$320.00} and then pay the remaining {$29.00} that remained from the amount the Regional Acceptance automated system stated we owed which was {$10000.00} on XX/XX/XXXX, and we paid {$1000.00} Mailed XXXX signed Delivery on XX/XX/XXXX. 

Yesterday there was a stack of duplicate billing statements received that totaled about XXXX. ( We have included a copy of one of the 15 duplicate billing statements received a few days ago and the audio from the Regional Acceptance Automated Billing system dated XX/XX/XXXX. 

All 15 duplicated billing statements state the same fraudulent billing information. Take for example. All 15 billing statements received on the same day show a due date of XX/XX/XXXX with a date at the top of their billing statement that says Notice date XX/XX/XXXX. 

This billing statement now states that after stating according to them that I had a past due in XX/XX/XXXX of {$10000.00}. I still have an additional past due amount of XXXX due XX/XX/XXXX on the same date of {$10000.00} in which we paid {$1000.00} on XX/XX/XXXX. 
This is untrue. We owe for XX/XX/XXXX and XX/XX/XXXX is not due yet not until XX/XX/XXXX. 

My last five previous payments beginning with the most recent are as follows. 
XX/XX/XXXX {$1000.00} XX/XX/XXXX # XXXX XX/XX/XXXX {$410.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$390.00} I want Regional Acceptance to correct and update the due date on this account, show the interest rate and the correct past-due balance if any, and stop backdating the due date to XXXX and then placing a current date at the top of the duplicate billing statements they are sending out this is unprofessional, illegal, and harassing to receive so many billing statements at once. 

They send so many statements at once that the lid on the mailbox cant close without force from the mail carrier. 
Thank you in advance for your attention to this matter.