23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have tried to settle this before. I am XXXX and on XXXX. I am being harrassed and even was told that I could be arrested for not paying a debt. I dont want to go to jail for money I dont have.My credit is bad because of this and I told the creditors that I was on XXXX but they still destroyed by credit.
Product: Debt collection

Received a credit monitoring alert stating that a new collection was added to my credit reports. Disputed the collection and it was verified by the collection company as accurate. In addition the balance goes up {$10.00} to {$13.00} every other week per the credit monitoring service. Prior to this debt being placed on my credit report I did not receive any notice about the debt. After disputing this debt with the collection agency I still have not received sufficient documentation evidencing this debt as mine. I have not received the contract along with any information identifying this debt as mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX the XXXX 2022, Checkr did my background check and it has suspended me from working for point pickup because it says that I had a driving with a suspended license but that charge was Incorrect and the courts dismissed the false charge. I was exonerated since it was false
Product: Checking or savings account

I am writing to formally dispute unauthorized or inaccurate inquiries on my ChexSystems report under my rights granted by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and other applicable consumer protection laws. Upon reviewing my ChexSystems report, I have identified certain inquiries that I do not recognize or did not authorize. I am requesting an immediate investigation and removal of these inquiries if they can not be properly validated. 

The disputed inquiries are as follows : XXXX XXXX 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 Under 15 U.S.C. 1681b, a consumer reporting agency such as ChexSystems is only permitted to report inquiries that are authorized by the consumer or for permissible purposes outlined in the law. If these institutions can not provide verifiable proof of my written authorization, they must be removed from my report immediately. 

Additionally, under 15 U.S.C. 1681i, I have the right to dispute inaccurate or unverifiable information on my report, and ChexSystems must complete an investigation within 30 days. If you fail to verify these inquiries with proper documentation, you are legally obligated to delete them from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are unauthorized and unknown to me, these accounts are a product of identity theft and Equifax data breach .I 've summoned the three ( 3 ) major credit reporting agencies to remove & block these unauthorized accounts. However, if these demands can not be met, I'll be forced to pursue other avenues. I've also asked for physical documentation of these accounts. Please remove the following. 

1 ) XXXX {$1100.00} 2 ) XXXX XXXX XXXX XXXX {$470.00} 3 ) XXXX XXXX 4 ) US Dept of Education {$7500.00} 5 ) US Dept of Education {$4300.00} 6 ) Dept of ED/XXXX  7 ) Dept of ED/ XXXX   {$6000.00} 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX   {$240.00} 10 ) XXXX XXXX {$1100.00} 11 ) XXXX XXXX XXXX {$21000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

THE COMPANY, ProCollect Incorporated PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of consumer Financial Protection. XXXX, XXXX, XXXX and XXXX are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial protection Bureau. On XX/XX/1933, XXXX enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " whereas '' the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ). The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 


15 U.S.C. XXXX ( A ) ( XXXX ) 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

On XX/XX/XXXX, XXXX, XXXX and XXXX, unauthorized cash advances were made using my credit card in the amount of {$8000.00} in advances, {$400.00} in advance fees, and shortly afterward {$44.00} in interest fees, as well as a {$2000.00} unauthorized transfer of money from my savings account. This was done unbeknownst to me by a company claiming to be XXXX, giving me a refund due for past services. 

When I figured out what had happened, I reported it to my bank ( Wells Fargo ) who then closed my accounts and opened up new accounts for me. This was on XX/XX/XXXX. However, most of the transactions continued to show up on the XXXX in my new accounts. I placed a claim of fraud with the bank, and all they did was deny my claim, remove {$4000.00} from my checking and apply it as a credit against my credit card that over {$8400.00} had been charged in unauthorized cash advances, ( leaving me over {$4400.00} in debt for something I didn't authorize and obliterating my checking account ), as well as deny the replacement of funds of {$2000.00} that were unauthorized as a transfer out of my savings - all of the above unauthorized transactions had the subtitle of : REFUND FROM XXXX. 

When some of the funds appeared in my checking with that subtitle ( REFUND FROM XXXX ), I was told I had been over-refunded and needed to return the overage to XXXX - which I did. I had no idea these funds were my own money. I was only attempting to be a honest person and return funds that were not due me. 

However, Wells Fargo has denied me any recompense for these fraudulent activities I've suffered, instead making sure that I'm held responsible for the acts, instead of fulfilling their duty of protecting me and my money, and replacing those funds that were removed/charged against me by unauthorized requests. 

The bottom line is, I did not authorize the removal of funds from my Savings,  nor did I authorize cash advances to my credit card. Wells Fargo is supposed to be responsible for assuring the safety of my money that I entrust them with. When I went to my Wells Fargo branch in person and reported this fraud against me, they assured me that I would be recompensed the full amount of {$10000.00}. However in the claim letter I received in the mail, they have denied me any and all recompense, instead removing funds from my checking account to credit my credit card, and then leaving me with {$4200.00} of debt on my credit card, and {$2000.00} less in my Savings, and very little money in my checking for paying my regular bills. 

The government and banks are supposed to be insuring my money and the safety of it and me against fraud and scams. Instead, Wells Fargo has run me over with their stage coach, and driven off laughing, with what little money I have as a retiree. And me a Wells Fargo member for 39 years.
Product: Debt collection

XXXX XXXX I noticed that I had and account on my credit report with Bonneville collections for XXXX XXXX in the amount of {$610.00}. so I called to make an arrangement of XXXX a week for 5 weeks to take care of it, the representative Hung up on me. I called back to make the same arrangement even though I was so irritated that I had just been hung up on. The second representative that I spoke with was more polite, and we set up the arrangement. We had ended the call and I realized I had n't given them my information to debit my account, so I called back. This experience was the worst, the representative verbally harassed me, belittled me and when I asked to speak to a supervisor, she refused, I told her that she was in violation of the FDCPA as she did not verify at all that I was the customer, and she was harassing me ( which I am familiar with, I do work in XXXX myself ) her exact words were " Oops, I recognized your voice I did n't need to verify that It was you '' I told her it did n't matter if she recognized my voice or not and that I wanted to speak to a manager and she responded by saying " Like I just said, you wont be talking to a supervisor right now '' I asked her if these calls were recorded, she said yes, and I said I would like to be placed on hold to speak to a manager. She transferred me to a manager immediately.
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I called back Wednesday to ask what they were going to do about the incident, they apologized and said that steps were being taken inside the company.
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I got a call from them Thursday expecting me to pay the same arrangement that I originally agreed upon before I was harassed. And I explained that I would n't pay that, I offered a settlement of {$230.00} and she asked what the reason was so they could submit that to the client and the client will either accept, deny, or counteroffer. I told her that the reason was because her company harassed me, broke the FDCPA guidelines, and verbally assaulted me, so that 's what she can tell the client. She responded that she would n't submit that, and that they can take off XXXX of the interest her company charged to the account. I told her that was n't good enough, she told me she would submit the offer to the client and that 's what I expected her to do. She said she was going to transfer me to a supervisors voicemail and she would get back to me. I left my name and phone number and I never got a call back.
Product: Payday loan, title loan, or personal loan

I am currently paying on a loan from Green Trust Cash.  In a desperate need of cash, I reached out to them for a loan to pay some bills. Since the time I have gotten the loan, I have been struggling to pay it off due to enormous interest rate and the length of the loan. The other day I called and requested a copy of my contract detailing all the info of my contract, they would n't send it to me, the only thing they sent me was a detailed payment schedule of the payment left. 

In the state of Georgia payday lending is prohibited. 

In fact, there is a ban on payday lenders restricting their operation in the territory of the state according to the Industrial loan act ( Ga. Code Ann . 7-3-14. Ga. Comp. R. & Regs. r. 80 3-1.02 ( 7 ) and O. C.G.A. Section 16-17-1 et seq. ).

Payday loans go under a title of small loans, generally ; the minimal amount is {$3000.00}, according to the 16-17-2 of the Georgia Code.

Certain businesses and companies have a legal right to give such loans but in terms that all their operations are regulated by the Credit Card and Credit Card Banking Act. All the lenders wishing to operate in the state should adhere to 16 % small loan rate cap APR ( and 10 % per year discounted plus fees ) as well as 60 % per year criminal usury cap.

The Georgia Industrial Loan Act of 1955 essentially made payday lending illegal by requiring state licensing and registration and by imposing strict usury limits on small loans. In 2004, the Georgia General Assembly increased the fines and criminal penalties for people making small loans at illegal rates of interest. The law went into effect in XX/XX/XXXX 2004, and has survived challenges in federal court. Referred to as the Payday Lending Act of 2004, this law authorizes misdemeanor charges against violators, as well as fines of up to {$5000.00} per violation and a possible jail sentence of 1 year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Deceptive practice, illegal repossession. Filed complaint with Attorney General. Upon refusing to return car stolen and illegally repossessed, and XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX breaching loan terms, XXXX XXXX hung up on me, and within 5 mins reported to all credit agencies indicating involuntarily repossession despite knowledge and video taped by my home cameras the 30 minute conversation with the PI where I handed over my keys. I attempted to pay what was owed, all well within my loan terms the following 3 days and was denied and XXXX XXXX gave reason he owes bank. False reporting with knowledge to credit agencies and refusal to fix despite knowledge written to bank and XXXX. Reported and filed against Fair Credit Reporting, falsified information reported to credit agencies of involuntary repossession knowing such admittedly incorrect as I gave the keys. Such is under investigation with MA AG however credit report reflects incorrect. I have written statements from XXXX and is on video me handing over keys despite the repossession was illegal I atill handed keys and XXXX XXXX refused to return my car after written statement of amount owed was provided, and I went with full payment and XXXX XXXX discrimination and multiple threats and deceiptful statements said I am the bank and can take if I want irregardless of the loan. XXXX using false underwriting was aware as well. Written documents for months of deceptive practice and now left my credit damaged for years and did so with knowledge of illegal reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion will not delete an account that has been forgiven. It is showing a derogatory status of owing a balance of XXXX. I have included a letter from XXXX XXXX stating that not only was the balance that they are reporting is incorrect, but also that it has been forgiven. This is damaging to my credit. This is a violation of 15USC 1681. I demand that this be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter I received from XXXX XXXX directly to Experian for them to update the accuracy of my XXXX XXXX  account with 4 other letters, Experian decided to file an un requested dispute with XXXX XXXX, who Im not disputing on any level. I have access to my XXXX account on my phone and what I sent experian reflects what on my XXXX XXXX account. 

When I called experian to confront them on their fraudulently opening an un requested Dispute, their solution was to simply resolve the dispute and not updated my tradeline I paid them to update. I paid them money to verify a letter from XXXX XXXX  I received directly from XXXX, I know it benefits Experian to keep negative reporting online at all costs and theyre mighty quick to update company information but it could take up to 90 days for them to update consumer information. How is this behavior fair to consumers. It expresses that companies that pay them are more important that consumers they report on. 

Lastly the reason I am angry, is their behavior will affect my home purchase in a time when purchasing a home is very difficult and extra costly XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized inquiries listed on my credit report as provided by TransUnion. These inquiries were conducted without my knowledge or consent, in violation of the Fair Credit Reporting Act ( FCRA ). I demand the immediate removal of these unauthorized inquiries from my credit report. 

The specific inquiries I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Dated XX/XX/XXXX As required under Section 604 of the FCRA, a consumer reporting agency may only furnish a consumer report when permissible purposes exist, such as my explicit consent. I did not authorize these companies to access my credit report, nor did I initiate any transactions or provide written authorization to these entities. 

Under the FCRA, you are obligated to : 1. Investigate this dispute promptly. 
2. Provide a written explanation of your findings. 
3. Remove the unauthorized inquiries if they are found to be invalid. 

Failure to resolve this matter within the 30-day period stipulated by law will leave me no choice but to escalate this issue. I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and state regulatory authorities. Additionally, I reserve the right to pursue legal action for violations of my consumer rights. 

Please confirm receipt of this dispute and keep me informed of all updates related to this matter. 

I trust you will take this matter seriously and act expeditiously to correct these inaccuracies.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in theCFPB 's recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts 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 XXXXXXXX
Product: Credit card or prepaid card

On XX/XX/2022, I purchased an item from an ad seen on XXXX from a seller called " Onedaystuff ''. The purchase price was {$24.00}. There was no confirmation number or email. Checking the charge with my cards app, I noticed a charge in the amount of {$210.00}. I immediately attempted to contact the seller, but all links were dead and the sellers XXXX profile was gone. Typing the address into a browser returned a 404 message " not found ''. On XX/XX/2022, I contacted my card issuer " Direct Express '' and informed them of the fraud. The debit card was immediately deactivated and a new one issued to me. I initiated the dispute procedure and received the paperwork by mail a week later which I filled out and returned the next day. My bank replied by mail on XX/XX/2022 denying my claim, stating that the transaction was authorized and I should resolve the issue with the merchant directly. A merchant that is impossible to reach and has never shipped the product to date. 

I continue to see identical ads on XXXX for the product but with ever changing seller names.
Product: Student loan

XXXX has been my loan servicer for the past couple of years. I received a notice from XXXX that my loans are being transferred to Nelnet, not ideal but not terrible. 

However, the transfer to Nelnet is supposed to happen by the end of this month ( XX/XX/XXXX ) and I have NOT heard a single thing from Nelnet yet. Since I usually pay my student loans in the middle of the month, I tried to log into my regular XXXX loan portal and my outstanding loans are gone. 

So now it is near the end of XX/XX/XXXX, my loans are due in less than a week and I have no way to pay those loans. 

Help.