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

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX and I'm including it again. 
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: Consumer Loan

On XXXX/XXXX/2014 we went to Home depot and purchased granite for our counters. I made payments on this account monthly with no problem no late payments and I was paying this on the home depot website. As a year came around we received a call from the store clerk that they wanted for us to come in so they could give us our money back and cancel the order. I was ok with that because we have been really busy this past year and was not able to get the kitchen rebuilt. When we went to the store XXXX of the customer service attendants put the money we had paid to the loan back on our bank card. then a few weeks later I received a call from this company called green sky. they said I was late on my payment I was n't sure who they were and they explained they were the ones funding the loan for home depot. I said I was not aware of payment due. They then called home depot and returned to me and said every thing was good If I had any questions call home depot. I checked the web site later and there was no balance. I never heard from anyone again. In XXXX I tried to refinance and found that green sky had placed a derogatory statement on my credit reports and stated that I missed payments. they stated that there was a balance due because home depot should have paid them instead of me and they would return to me what was due me. I paid the balance they requested immediately. They said they would remove this from my credit report and they did not. My credit score dropped about XXXX points I did nothing. Home depot was the one that caused this I had nothing to do with it. I tried to talk to green sky but they refuse to do anything.
Product: Checking or savings account

I am filing this report on behalf of XXXX XXXX XXXX as evidence to justify a full and independent audit of our account. 

I happened to notice some evidence that I could send to the CFPB ( Consumer Financial Protection Bureau ) to support that our account is being monkeyed around with and this has been going on for some years. 

XX/XX/2023 Transaction ID XXXX " GENERAL BONUS '' I have absolutely NO IDEA what a general bonus is and we check the balance daily we have never noticed money from nowhere show up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reported XXXX XXXX XXXX XXXX XXXX XXXX account fraud account XXXX my right dont agree remover only say account has verify why is Verifycation use this account is no mine and danger my score and need remover immediately
Product: Checking or savings account

On XX/XX/2019 I cashed a {$400.00} check at Peoples United Bank on XXXX XXXX in XXXX XXXX, Ma, XXXX at the drive through window. The bank employee gave me an envelope with what I assumed was {$400.00} in it ; I trusted the bank and did not count it. I drove directly to my credit union with the unopened cash envelope, XXXX in XXXX, MA, and went inside to the ATM to deposit {$380.00} into my credit union account. At that time I opened the envelope and counted 14 {$20.00} bills, 2 {$5.00} bills, and 1 {$10.00} bill. There was only {$300.00} in the envelope which should have contained {$400.00}. I recounted the money several times and also had a credit union employee count it. I was definitely shorted {$100.00}. 
I immediately called Peoples United Bank and explained what had happened. This was approximately 15 minutes after I had left Peoples United bank. I spoke with a woman who said she had waited on me and would count the drawer. She also said that she remembered counting out {$380.00} in $ XXXX, 2 $ XXXX, and 1 {$10.00}. I told her there was only {$280.00} in $ XXXX, 2 $ XXXX, and 1 {$10.00}, that the envelope was short {$100.00}. I had to go to a doctors appointment at that time and she said she would call me after the drawer was counted. 
The manager called me back while I was in the doctors office and said that the drawer came out correct, I told her that I was in the doctors office and would stop by on my way home to talk with her. When I stopped at the bank I realized that she, the bank manager, was the same woman who waited on me earlier that morning. I felt very uncomfortable that the same woman who shorted me was the top of the chain of command in the bank, so when I got home I called the customer service call center and spoke with a supervisor requesting a call back from the regional bank manager. 
After contacting the regional bank manager, XXXX, and according to XXXX, an investigation was done and the drawers were counted and came out correct and the video was reviewed and nothing looked wrong. The {$100.00} is missing with no logical explanation. 
Yes, I should have counted the cash before I drove away, that was my fault. But the money was short by {$100.00} which I have to write off as a harsh lesson learned.
Product: Checking or savings account

The company " Chime '' opened an account using my name, social security, ( old ) address, email and phone number on XX/XX/2024. 

I called to ask who opened it and they could not answer. 

I asked for it to be closed and they told me it would be closed.
Product: Credit reporting or other personal consumer reports

This 3rd party collection agency account is showing on my credit report as collections ( LVNV Funding LLC ) for a company called XXXX XXXX XXXX XXXX. I informed this is not my credit and request a dispute, I ask that the 3rd party provide documentation from the creditor, I never received after asking 3 or maybe 4 times disputing, but the collections account remains on my report. I never even received a 1099 from the creditor who placed this account on my credit report. I would like to have this 3rd party collection agency removed from my credit report. Also, my report is frozen.
Product: Debt collection

Perfection Collection contacted me by mail stating that I did not pay a bill for security system that was installed in an apt . complex. I have never lived there and I have lived in my home for 20 years. the collection company said I had to file fraud charges in order for them to take if off my credit. I went down to the XXXX fraud division and filled out paper work. The Investigator sent me a letter with the information so that I could send to the perfection collection. The collection company XXXX said that was not good enough for them and I also spoke with the Supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act ; This creditor has violated my rights under 15USC1681 section 602 states I have the right to privacy. 15USC1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a personal account under an open and consumer credit plan as late for any purpose. 

Ally Financial XX/XX/2023 Reported 30 days late
Product: Credit reporting or other personal consumer reports

The listed account is reporting false information XXXX XXXX account has never been late.
Product: Credit reporting or other personal consumer reports

I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXX v XXXX, XXXX XXXX XXXX ; XXXX XXXX. XXXX XXXX XXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor. 
Date of Last Activity. 
Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between your company AMSHER COLLECTION SERV, XXXX XXXX XXXX, XXXX XXXX XXXX and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX, XXXX XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. 
Any other pertinent information regarding the creation of the debt by your collection agency like ( XXXX. Where the debt originated from, XXXX. ) The sum paid by the bad debt buyer for the plaintiff 's debt, XXXX. ) How the total amount was determined, and XXXX ) A list of documents that authorize the collection of debts. )
Product: Debt collection

{ Cell PhoneThis is an XXXX debt { Cell Phone } that I did not create or have anything to do with. I first learned of this XX/XX/2019 via a collection call, I informed the person at that time, this was not my debt, and I had nothing to do with this. i told the at this time if they would send me all info I would pay this and than turn it over to/ an Attorney I did not hear anything for monthe until I wa ssinformed by Our Tax preparers XXXX XXXX about this being turned into collections, at that Tiem I notified the Credit reporting agency the facts about this debt, and this was taken off of our credit report records. about 20 days ago, almost two years after the face I received a notice from credence, I sent them the info steted and toldm them if I heard anymore about this I would thrn this over to an attorney. this is ridiculous This is not, or ever has been my Debt.
Product: Mortgage

Wheres my money deb and XXXX XXXX  U stole money. I demanded its return. You ignored me and passed off the problem to XXXX XXXX a servicer. 

Wheres my money!!! My XXXX wrote several XXXX dollars was taken from payment you got and u applied it to an escrow. He failed. You failed. The XXXX  team failed. Everyone failed. To EXPLAIN WHERE THAT MONEY IS. 

WHERES MY MONEY ALAMEDA MORTGAGE. 

Wheres the hundreds of dollars you applied to an escrow account???
Product: Debt collection

Diaz & Assoc. sent me a fraudulent debt collection letter dated XX/XX/2023, stating I owed a debt balance to XXXX XXXX XXXX for {$5800.00}, offering to settle for {$2000.00} if received by XX/XX/2023. I have never had any kind of account with XXXX XXXXXXXX XXXX, and I don't believe Diaz & Assoc. represents them. They state report may have been made to Credit Reporting Bureaus. I believe they targeted me because I am an XXXX XXXX XXXX elderly person. I researched this company and found XXXX complaints filed against them with the Better Business Bureau and a class action lawsuit..
Product: Credit reporting

An account previously disputed was removed and is now under a new agency and back on my credit report. The account was with XXXX and now with XXXX.
Product: Debt collection

Collection account on credit report. Original creditor XXXX XXXX XXXX. Outstanding collection amount of {$1000.00}. Collection company : Franklin Collection Service IncXXXX XXXX. I have called and disputed with Franklin. They said they would send me complaint form. I have received nothing. The outstanding XXXX XXXX XXXX debt is for a bill in XXXX, Florida. I live in XXXX XXXX, California. I have never been to XXXX, Fl. I do not know anyone who lives in XXXX, Fl. I have 0 friends or family in XXXX. I have always lived in XXXX XXXX, California. This happened to me with a different collections account in Florida exactly 1 year ago to the month. I disputed and it was erased. This time I am not being afforded the same courtesy. I have sent a complaint to the FTC. I have sent letters to the 3 credit bureaus. I am going to hire a lawyer. I am going to file a police report. I will not stop until this is resolved.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible.The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

XXXX XXXX and XXXX evidently opened a utility account in my name that I didn't not authorize and was unaware of. Nor have I ever resided at the address associated with this account. I only found out about this when a collections for {$1500.00} showed up on my credit report on XXXX. I have never been contacted by XXXX XXXX XXXX or the collection agency ( Harris and Harris ) about this debt, in writing or otherwise. XXXX XXXX XXXX  is refusing to correct their error.
Product: Mortgage

I have a mortgage with Chase. It is a XXXX MORTGAGE. Chase stated that they were sending me all of my information that I requested from them regarding validation of the amount they are stating that I owe them. What they are claiming I owe is wrong, Chase did not send the validation, they just keep sending the exact same bogged up screen-print that they invented. The information is false. Now I just got a letter from Chase stating that my mortgage was sold to Chase. They are plotting to steal my home. Each time I was promised a modification by Chase They raised the payments instead of lowering them. Now I got a letter in the midst of this process stating that they are filing for foreclosure. Chase has illegally stolen the equity out of my home. I want justice. Chase did not report many of my full payments made to them. PLEASE HELP ME
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting my identity stolen. There is one credit card, one collection, and one Bankruptcy on there that is not mine. I also have family members with names similar to mine. The there are addresses on my report as well that are not mine, I never lived at the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank continues to report multiple accounts as charge offs and that I owe balances on them. Citibank accounts were all included in my bankruptcy case filed XX/XX/2021. These debts are discharged as of current date. These debts are no longer collectible. Yet Citibank continues to report to XXXX  I owe these debts. This is violating bankruptcy laws. You cant collect a debt that has been discharged. Failure to comply will result in a lawsuit against Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020 I sent TU, XXXX a letter disputing the validity of the bankruptcy they are reporting on my credit report. Courthouse does not verify such info as described in attached letter. All Bureaus recieve a copy of this info and still responded saying they verified item through XXXX XXXX. I contacted XXXX XXXX directly to dispute item in question and due to nonverification from them they sent response and deleted in XXXX of 2020. XXXX XXXX has also tried to contact the bureaus as well to have them update reports and they said they were not getting any responses from any of them. I even provided all companies with copies of deletion from XXXX XXXX and their attempt to contact as well as informing them that if they could not reveal how, they truly verified the item then its needs to be deleted according to the FCRA It is now XXXX and this inaccurate item has been sitting since the first dispute in XXXX XXXX at this point I am ready to take legal action as this is affecting credit and stopping me form handling important matters such as home buying. This item needs to be deleted immediately as this will be my last courtesy before i file a legal claim for damages
Product: Checking or savings account

On XX/XX/2021 I ordered a stove from XXXX  that was never delivered and they tried to delivery me a dryer and I ordered a stove and they guy said he had wrong item and will delivery by tomorrow so he never did and XXXX  had he came out so they so the was going to dispute it so I tried with my card holder twice with no response charge was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under15 USC 1681. I have sent them several letters concerning this matter and to no avail they have yet to respond I have also uploaded the documents that I have sent to them and still nothing. I have sent an updated dispute on XX/XX/2022 which they have responded to that they have gotten. 

1. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

4. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

15 U.S.C 1681 section 602 A. States I have right to privacy. 

15 U.S.C 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. These accounts that were furnished have violated my consumer rights and I want them to delete from my account. 

15 U.S.C 168c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information or 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. 

Delete these accounts immediately!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I requested my information to be suppressed due to my position with the federal government. I received a letter from LexisNexis stating that it was complete and my information was now unverifiable on XX/XX/XXXX. I have attempted to dispute the information with the credit bureau who are advising that LexisNexis is verifying the information as accurate as of XX/XX/XXXX. I have been filing complaints, disputes and paid an attorney a still they are refusing to make the necessary corrections. When you send the information over they always stated they will correct it and nothing
Product: Credit reporting or other personal consumer reports

I, XXXX, XXXX XXXX, federally protected consumer, a natural living being of majority status conducting the style and condition of The Principle and Beneficial Equitable Holder, and not an infant/minor, have the right to make sure my private, non public information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are all financial institutions by definition under that title. 

According to 15 U.S.Code 1681c-2, this is my official statement that all the listed accounts have been reported without my expressed written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transaction made by me, the consumer. 

I am the card holder which was issued to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  so that I can receive a open end account with them ; to receive payments with them and defer. 

I have opted out and rescinded any authority I may have given XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to report about me to any XXXX party, and I have a right to privacy, which is attached to this complaint. 

TransUnion needs to provide strict proof that the alleged creditor ( XXXX XXXX XXXX XXXX XXXX ) is, indeed, the secured party and holder in due course of the aforesaid alleged original agreement in issue and has an enforceable perfected security interest therein pursuant to and in compliance with the Uniform Commercial Code ( U.C.C. ) Section 9-203, Section 9-204 ( 1 ), and Section 9-305, or equivalent sections of the Commercial Code of New York State OR remove the account immediately as it is a result of identity theft.

TransUnion and its affiliates listed above are also in violation of the previous conditional cease and desist what was attached to the complaint ( s ) and Opt Out Notice ( s ) which have not been honored. 

Ive requested my consumer file numerous times and haven't received it, only my consumer report which still shows inaccurate non-public information. ( proof has been attached ) Please See Attached Documents which include the following : Exhibit A : Affidavit of Truth/ Cease and Desist/Settlement offer Opt Out Confirmation ( XXXX ) Identity theft report Passport Card ( Identification ) Power of Attorney/ CAF Notice/ Fee Schedule Invoice
Product: Debt collection

I have a collection with Innovative Recovery ( Account number XXXX ) in the amount of {$930.00} for XXXX XXXX XXXX. I provided the proper notice at the end of my lease and had the apartment professionally cleaned. 

Since XX/XX/XXXX, I have been trying to get Innovative to provide a breakdown of what XXXX claims I owe. They have not provided it. The FCRA provides that a consumer may contact the data provider about a dispute ... that data provider must adhere to the same 30 day time frame for responding or delete the item that the bureaus must adhere to. ( Section 623 FCRA ).

I demand that this item be removed from my file due to a clear violation of Innovative with regard to following the FCRA guidelines.
Product: Credit card or prepaid card

This account was already PAID and should not have any late payment recorded as I pay this on time.