23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Upon checking my credit reports I found a new collection from Caine & Weiner on behalf of XXXX XXXX XXXX, XXXX. I never received notice to dispute this collection as it is a fraudulent charge and would have immediately disputed it. Caine & Weiner is likely aware of the dubious nature of the company and their charges and that is why they conveniently failed to send the proper notice before preceding to damage my credit rating.
Product: Credit reporting or other personal consumer reports

Hello. I am tired of going back and forth with the credit bureaus regarding their reporting on my credit report. I notified them that information was not correct and needed to be fixed or deleted and they have not done either. So far it has been 60 days with nothing being fixed or deleted and I have sent them all verifying documents as well as documents that support my claim. I checked my credit report today and nothing has happened. The accounts do not even show they are being disputed. I read on the FTC website that in this situation they must delete the information from my report. I am demanding they do that immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 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 ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Personal Information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PREVIOUS XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ALSO KNOWN AS : XXXX XXXX XXXX EMPLOYER : XXXX XXXX. 
EMPLOYER : XXXX NAME : XXXX XXXX XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I am trying to payoff an end-of-lease payment with GM Financial. However, when receiving the end-of-lease statement it contained XXXX charges that should not be charged to me ( 1 ) the disposition fee which was once removed then added back - I qualify for this waiver because I purchased a new GM vehicle ; and XXXX 2 ) the Condition Report containing a {$170.00}. charge ( and associated taxes ) for a part that *did not* come with the car. 

I have called GM finance multiple times ( for example, on XX/XX/2024 spoke to Agent XXXX - then a few days later spoke to " XXXX XXXX' agent XXXX - then about a week later yet another agent after having no resolution to my online filed complaint, as well as multiple emails to XXXX ( requested by GM Finance ) to resolve this. GM each time said I would be contacted within XXXX business days but this never happened. The last agent I spoke with said the records indicated I requested *not* to be called, when in fact I asked the opposite - for someone TO CALL ME to resolve these issues. 

In the emails to XXXX I included a copy of the window sticker of the car, indicating the part billed to me was never included with the car. 

Finally, I have *no statement* ( online or written ) showing what the charges billed are being billed for, and why I am supposedly " two days late '' when the lease end date is XX/XX/2024 ( today is XX/XX/2024 ). The phone hours posted on the GM website are incorrect and I can not leave messages or get any help on XXXX.
Product: Money transfer, virtual currency, or money service

I am written to formally express my concerns with zelle handling of disputes particularly in lights of the recent cfbp lawsuits highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies my financial company and zelle failed to investigate my claims adequately. They informed me that recovering lost of funds was impossible an tracking these transactions was unfeasible the CFBP findings indicate that zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit systems leaving users vulnerable to scams this lack accountability and transparency is unacceptable raise a serious concern about consumer safety.
Product: Bank account or service

Please see the attached cover letter. It pertains to significant fraud that has been allowed to go on within many of the largest US banks. 

Please make a good faith effort to investigate and stop these practices in a timely manner. No disrespect intended but it would be unwell for the media to report in 2023 that these companies knew of this fraud 7 years earlier. 

It is estimated that at least XXXX XXXX consumers have been adversely affected by these bad actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt to resolve the issue with Transunion in regards to reporting consumer credit transactions on my report. Transunion is in violation of 15 usc 1681a ( d ) ( 2 ) ( B ).
Product: Credit reporting or other personal consumer reports

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Product: Student loan

I have tried numerous attempts to get my interest rate lowered. I have been paying 6 1/8 % since I had took out these loans. Only half of them were subsidized. In XXXX, I switched to a graduated payment plan. For past six or seven months, all of my payments have gone to interest, including the payment in XXXX which happened after the Covid-19 relief plans were announced. The federal government has made a tremendous amount of interest off my education. I am only allowed to deduct {$2500.00} per year in interest. I also never qualified for the lifetime learning credit or any education credits as my income was too low during my time in XXXX  school. I want these issues addressed.
Product: Vehicle loan or lease

To Ally Auto XX/XX/year> Account Manager Please my I request a full account summery regarding the above account as I have called several times and have no response per my attached documents as there has been various administration problems from the beginning of the loan there has been multiple times I have requested for a manager call back or do I have to take this up FDIC I AWAIT you return of reply PLEASE NOTE MY CONTACT NUMBER IS XXXX From Ally Auto XX/XX/year> Hello, We received your concern regarding your account. Due to the nature of this matter, we have escalated your concern to a supervisor for review. Please allow us additional XXXX business days to address this. 
Sincerely, Ally XXXX XXXX If you submitted more than XXXX request, you may receive additional responses in a separate message. 


To Ally Auto XX/XX/year> Attn XXXX Investigation Analyst Dept As per the above message I am still awaiting a response as Referred by and conversation with XXXX Customer Executive Relation Dept I am Further following up to inform I have again made several attempts to call on the number given by XXXX XXXX option XXXX option XXXX EXT XXXX to resolve my summery investigation suggestions by XXXX I am request all the issues mentioned to XXXX XXXX do I report this to the FDIC XXXX await your response contacted Supervisor XXXX ID XXXX Please note I am also unable to Add Attachments any supporting documents Error We are unable to complete your request
Product: Checking or savings account

Chime banking suspended my account and they won't say in detail why other than suspicious activity and they had me resend my legal documents to verify my identity. I did what they asked and haven't got a response back and it's been past the 48 hour mark. I call and I'm told the same thing to wait on them and they will respond but they haven't and this is causing me alot of problems like my car has been cut off for lack of payment, therefore no way to work, no food at home and I have children and much more.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am
Product: Credit reporting or other personal consumer reports

After completing a legal name change, I'm unable to access my Equifax credit score/report. My bank can't access this information either, which is preventing me from applying for a home mortgage to buy a house. 

Timeline XX/XX/XXXX : Completed legal name change. 
XX/XX/XXXX : Submitted legal name change documents to all XXXX credit bureaus. 
XX/XX/XXXX : Received confirmation of name change from XXXX and XXXX. 

XX/XX/XXXX : Notified that my loan officer can't pull Equifax credit file for mortgage application. 
XX/XX/XXXX : I called into Equifax 's customer care line 2 times and spoke with 4 agents. Each agent diagnosed the issue differently and told me different solutions to resolve the issue. For example, one agent told me that I would need to submit documents again by mail because my prior documents were expired, whereas another agent was able to lookup my prior documents to change the name on my credit report. 

[ Equifax name change updated, still can't access Equifax credit score/report ] XX/XX/XXXX : I called into Equifax 's customer care line one time and spoke with 2 agents. Again, each agent diagnosed the access issue differently and told me different solutions were needed. One required submitting documents by mail and the other said online submission would be fine. The issue flagged was that my current address was not correct. 
XX/XX/XXXX : Submitted verification documents online to update current address. 
XX/XX/XXXX : Received email verification of current address update. 

[ Equifax current address updated, still can't access Equifax credit score/report ] XX/XX/XXXX : I called into Equifax 's customer care line one time and spoke with 3 agents ( one was a Supervisor ). Again, each agent diagnosed the access issue differently and told me different solutions were needed. The first 2 employees recommended that I submit a copy of my Driver 's license and Social Security Card by mail so they could investigate my access issue. The third employee said there was an internal block to my online account that needed to be reset, which was unsuccessful in resolving my access issues. Furthermore, during this account reset, the agent changed the spelling of my first name, which is now incorrect. 

I've spent more than 3 hours speaking with 9 different agents and I still can't access my Equifax credit score/report. Each time I call the customer care number, I'm rolling the dice for whether the agent will know how to resolve my issue or continue to ask me to complete time-consuming tasks with no resolution. Requiring consumers to go through this level of effort after a legal name change is discriminatory and unfair.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, SYNCB/LOWE 'S LAR add a hard inquiriy on my credit report per XX/XX/XXXX. The report did not include contact information about the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is obvious that you dont have any proof on file to verify that these accounts belong on my file. When we go to litigation you will be required to produce the documents you used to verify these items through the discovery process and since you dont have any documents in your files verifying that these items are valid then that will be proof that you did not properly verify the accounts and they will have to be deleted and Ill be  entitled to damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report.
Product: Credit card or prepaid card

I contacted AMEX XX/XX/2020 and informed them of my financial situation in addtion to ( covid19 ) and my need for support. I was told that in order to get support that I would need to pay {$130.00} for the financial program to be implemented. I did not have no where near the amount that they asked for, however, I made a {$20.00} that very day. Then in XXXX I made {$100.00} payment, and made {$75.00} payment. I have since then received several missed payment notification and statements indicating AMEX has not honored their part. I was prompted to call again today and the rep just informed me that they do have a financial relief program and in order to be enrolled ( 12 month 5.99 APR fixed payment of {$110.00}, no late fees or membership fees ). Confused by the terms, which were not previously disclosed, the rep restated they can't use previous payments for the program including the last payment made XX/XX/2020, and if I could not pay the amount as of today late fees and interest have been added to the account. When I asked about why the prior payment were not credited to the program as previously agreed upon. I was then told that I had to call them to make the payment in order for the payment plan to apply. Therefore, none of the previous payments as verbally stated provided any relief ( support ). I am still awaiting a supervisor call to address my concerns. Therefore I believe AMEX billing and marketing practices violates Section 5 of the Federal Trade Commission Act, 15 U.S.C. 45 ( a ) ( 1 ), which prohibits unfair and deceptive acts or practices.
Product: Debt collection

This same item was with another collection firm which was a mistake now it is with another agency. I do not owe this and have disputed. Does n't a company have to validate an item?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$5600.00}
Product: Debt collection

Finally got an itemized statement from XXXX which didn't match the ones under my billing on XXXX. 
Also I had medicaid, and insurance through my work. 
Which it says XXXX XXXX covered. 
Any XXXX and XXXX for XXXX were work comp. Include XXXX  visit for the XXXX  I had from this and saw the XXXX the next day. All that should be work comp through the USPS. 
And why does my billing on XXXX show insurance paid?
Product: Checking or savings account

In reference to my previous complaint id # XXXX, I was told that I could go to uXXXX XXXX XXXX and request my funds be released from XXXXXXXX XXXX XXXX XXXXXXXX XXXX. I did this on TXXXX XXXX XXXXXX/XX/XXXX. XXXX XXXX was out of office so I provide verification in the form of my IRS tax account transcripts for XXXX and XXXX tax years which were both filed in XXXX. I provided these through email to XXXX XXXX. I was told I would get a call on FXXXX XXXXXX/XX/XXXX. I never got a call so I went to XXXX XXXX XXXX for info. Branch manager XXXX XXXX was there told me she had reviewed my verification and it looked good but she has to send to XXXX other person who currently wasn't in office and that I would hear from XXXX by end of day on mon XX/XX/XXXX. That never happened. Another concern I have is since my account was closed on XX/XX/XXXX and {$8100.00} was put into a us XXXX XXXX  account where it has been since. That 48 days. If you look at XXXX XXXX XXXX XXXX XXXX XXXX it is a violation of federal banking regulations to hold someone's funds beyond 43 days. I was never told or asked for verification until I filed my complaint with cfpb an even though I have provided rock sold proof from Internal Revenue Service that checks are legitimate and legitimately mine, I can't get a call back or my funds released. I can provide all documentation upon request.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information were erroneous.The XXXX credit bureaus are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX CARD XXXX Balance : {$2900.00} XXXX  XXXX XXXX XXXX Balance : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX {$31000.00}, XXXX XXXX XXXX XXXX XXXX {$1000.00}, XXXX XXXX XXXX XXXX XXXX {$690.00}, XXXXXXXX XXXX XXXX XXXX XXXX {$3600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Reported : XX/XX/2021 {$450.00} Needs Attention XXXX XXXX Reported : XX/XX/2021 {$900.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... account was settled with creditor and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation will follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Product: Vehicle loan or lease

On X/XX/2017 at XXXX XXXX Capital one auto finance sent a repo man to repossessed my XXXX XXXX. I never received any written notices prior. No phone calls. When they towed the car no one left me any kind of documentation that the car was repossessed. Called Capital one X/XX/2017. The person I spoke with XXXX did not have my correct email, phone number or employer. I was told that they sent me notices. They also told me the called the number and left messages. And called the wrong employer. I was told that the employer never answered the phone. Odd they had all the wrong information to contact me but had the correct address to sneak my car away in the night. I was charged a repossession fee and {$140.00} to retrieve my car.
Product: Credit card or prepaid card

I paid {$9700.00} for XXXX flights on the XXXX Chase Rewards Credit, and paid an annual fee of {$95.00} for the card. The rewards for doing so were XXXX XXXX  rewards points as per the terms of the cardholder agreement. These were reflected on the XX/XX/XXXX Statement, and Chase indicate that they 'transferred the points ' to the XXXX XXXX XXXX account on XX/XX/2021. However XXXX XXXX have not applied these to my XXXX XXXX account ( Account # XXXX - XXXX XXXX ) and have been contacted 3 separate times over the last 2 months, in addition to contacting Chase 3 times. Customer Service on both sides on each occasion have indicated they will send to the relevant team to resolve and someone will contact me, but no-one has contacted me in more than 2 months. These Avios points are worth more than {$1000.00}, and XXXX XXXX is fraudulently withholding the credit of these points, in violation of the terms of the credit card agreement.