23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I have tried on multiple occasions to close my XXXX XXXX XXXX account. I was told that I would receive a refund check within 10 days over 2 weeks ago. I have not gotten a refund yet and so I called them back today. I have spent almost 2 hours trying to get my money refunded back to be and the account closed. They are telling me that I need to sign a letter of indemnification with them or they can't give me my money back. I am NOT indemnifying a company that has already lied to me once. And why should I have to indemnify a company to have my account closed and my balance refunded? If this isn't criminal behavior, it should be!
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had TWO late payments on an account that I was never late for.

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thank you.
Product: Credit reporting or other personal consumer reports

I disputed and asked for verification with Equifax of a debt of {$29.00} listed as a derogatory debt owed to XXXX XXXX XXXX XXXX ( XXXX ). I also wrote XXXX XXXX XXXX at their address of XXXX XXXX XXXX # XXXX, XXXX, Florida XXXX with a debt. They did not respond within 30 days and their website XXXX shows they are permanently closed. ( see link below. Equifax has listed the {$29.00} alleged debt as disputed but have refused to verify it per the FCRA section 611 or remove it from my Credit Report causing my XXXX score to drop XXXX points. XXXX could not provide me with verification of the debt, what it was for, or any contract that substantiated it. Neither could Equifax. 
Nevertheless, Equifax refused to remove the derogatory {$29.00} and has violated the FCRA sec 611 et alia. Their website is non responsive, not allowing log-in. 
.Sincerely, 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: Prepaid card

I received an Amex XXXX Gift Card. I attempt to use this on XXXX. And the transaction is declined. I then tried again with various other amounts less than the full face value. Many people have reported having this problem starting this past year.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a notice from XXXX  regarding a credit alert. This alert shows that derogatory information from XXXX XXXX XXXX was reported as a new collection. 

The derogatory information shows as coming from Radius Global Solution as a collection in the amount of {$560.00}. 

On my credit report the derogatory information is showing as coming from XXXX XXXX XXXX Acct : XXXX. This account was a leased vehicle that was paid as agreed and the lease ended in XX/XX/XXXX and all balances were paid in full. 

on XX/XX/XXXX, I called both XXXX XXXX and Radius Global and  each company stated they do not have this account in collections. However, it is showing up on my credit report and I would like help to dispute it and have it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

These student loans have been defaulted for years due to amount unable to pay. These accounts were closed and due to be removed however they were reported active after 8 years nonactive. This is past statue of limitations and should not have occurred. 
Please help. 
This school previously attended in which loans are from are from a closed down school back in 2007 due to fraud against students. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX    XXXX   XXXX   Opened  XXXX   XXXX ,  XXXX  {$170.00} Original creditor :  XXXX    XXXX   XXXX   I have legal documentation that this account was stated as CLOSED and that their would be no further financial obligations as of  XXXX   XXXX .
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS LOST/STOLEN 2019 AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted over XXXX investigations as well as mailed XXXX documents as regards LVNV Funding on my report they keep showing this company as having a open account and also a invalid Amount owed. Most of the fees Lvnv says i owe are from the submitting false paper work to court as well as fake summons served. I went to court submitted original loan amount XXXX dollars. XXXX dismissed and vacated judgment. But they illegally kept up fake judgments amounts they racked up without my knowledge and added that to what ever XXXX i owed and reported amount over a XXXX dollars. This company has engaged in tactics in the past and most likely continues of attacking injured people submitting false paper work to courts. And XXXX will not remove or show the effects of me getting out of dept. But as a honest and reliable credit agency XXXX is only agency showing true representation of me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have tried going through legitimate channels to stop what amounts to a loan broker maintaining a balance on my credit report that has been satisfied through a third-party lawsuit for {$12000.00}. The attached letter from XXXX XXXX states that the original debt was procured for XXXX, then sold to XXXX XXXX XXXX. XXXX XXXX has nothing to do with the original loan, and is in violation of their subscriber agreements with all three pertinent credit reporting agencies, XXXX, Equifax and XXXX XXXX respectfully. The answer given by XXXX XXXX through the Consumer Financial Protection Bureau is completely unprofessional, and the fact remains that when XXXX XXXX lost its servicing for the original loan, the balance from their responsibility should have been placed as XXXX balance, sold to third party debt buyer. I p [ aid the loan off through my lawyers office for a {$12000.00} cashiers check. XXXX XXXX must delete the account altogether as it has violated my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. XXXX XXXX must delete this account Immediately and permanently. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 
( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 
I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account # XXXX. 

XXXX XXXX is reporting XXXX accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My credit cards are my business. My credit cards are my private information. XXXX XXXX have reported my private information without my consent. XXXX XXXX actions have amount to aggravated identity theft 18 USC 1028a. As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX XXXX have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. 

Delete XXXX XXXX Account # XXXX.
Product: Debt collection

I paid {$500.00} for a bed from XXXX XXXX XXXX in XX/XX/2020 with PayPal credit run by Synchrony Bank. 
I called XXXX XXXX and told them to stop the shipment of the bed. They did. 
It was re-routed to XXXX XXXX, Tx on XX/XX/2020. 

[ XXXX XXXX Full Bed with Under Bed Drawers in Antique Grey ( Qty 1 ), was returned to your company. Delivered to Sender XX/XX/XXXX, XXXX XXXX, Delivered XXXX XXXX, TX The XXXX XXXX tracking # XXXX - The bed was received on XX/XX/XXXX XXXX XXXX At local XXXX facility XXXX XXXX, TX. ] I received an email from XXXX XXXX XXXX stating : Return Method : Drop off at XXXX FREE Refund/Replacement Estimated Value** {$480.00} XXXX XXXX XXXX stated to send it back is FREE but they are only returning {$480.00}. 
I told them I want my full refund of {$500.00}, that XXXX XXXX  did not deliver the bed to me and it was sent directly back to XXXX XXXX  XXXX. 
XXXX XXXX  XXXX said as soon as they receive the bed they would refund my money. It has been sitting in the XXXX  XXXX warehouse since XX/XX/2020. 
XXXX XXXX  XXXX are running a scam. They know if they have the bed delivered to their warehouse they will have to refund my money. They are lying to Synchrony Bank stating that I have the bed, because it shows the bed never got to their warehouse. 
XXXX XXXX  XXXX must have stopped its delivery back to their warehouse, because when I checked a month ago the bed was still in the XXXX XXXX XXXX XXXX facility. 

XXXX XXXX  XXXX said I would receive a refund on XX/XX/XXXX. I never received the refund because they stopped their bed from being shipped back to their warehouse. 
XXXX XXXX  XXXX kept promising to return my money but never did. Every time I spoke to them they had a different story as to why I did not return it. 

THEY ARE THIEVES AND ARE RUNNING A SCAM. 

I filed a complaint with Synchrony Bank. 
They are either incredibly XXXX, too lazy to do their job or have been paid off by XXXX XXXX XXXX to commit fraud. 
They just ruled against me and used XXXX XXXX  XXXX lies to do it. 
I downloaded the 2 documents they just emailed me. 
I am on hold right now with these useless pieces of garbage to file another dispute. 

I told the customer service rep who answered my call -- -- -- -- - 1 ) I have no bed 2 ) XXXX XXXX  XXXX has the bed AND my money 3 ) They refuse to refund my money 4 ) Your company Synchrony Bank blatantly lied when they said I received the bed 5 ) I stopped delivery. The bed is in XXXX XXXX, Tx. 
HOW DARE YOU RULE AGAINST ME. 

The worthless supervisor said she would file another investigation. I told her I sent her the link that shows the bed is still in XXXX XXXX. She said her company would not track the bed, that it's not their job. 
I told her IT IS YOUR JOB. I said all you have to do in click a link on your keyboard. You will be able to see the company is lying to you, that the bed is in XXXX XXXX and not in PA where I live. SILENCE for several seconds on her end. 
She had no answer. 
All the investigator had to do was hit one click on his keyboard. 

This is why I think they are as corrupt as XXXX XXXX XXXX, that XXXX XXXX XXXXXXXX paid them off.
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 recent CFPB Lawsuit highlighting significant issues with the platform. despite using Zelle numerous times and reporting discrepancies my financial intuition and Zelle failed to investigate my claims adequately. They informed me the recovering lost founds 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

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
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 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: Debt collection

On Wednesday XX/XX/19 I was contacted by CBE Financial Group regarding a collection that I inherited. This debt is currently being disputed. When attempting to provide my financial summary and state that I can not afford the amounts they are demanding I pay, a representatives would remind me time and time again that if I do not get an aggreement on file that my pension will be garnished ( 25 % ) and that they did not want that for me. 

That was not the only time that they would say that to me. Nearly everytime I spoke with them I was reminded of that detail. Lastly, I explained how the debt was incurred by a significant mishap on the institution 's behalf. Nothing mattered. 

In my opinion this company is NOT professional, and is not following policy by using threatening tactics to scare people. This isn't right and I hope that someone does something about it!
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent applications were submitted in my name and approved. I have a Credit Monitoring service that notified me on XX/XX/XXXX which was within 24 hoursof the inquiries. They provided information on accounts approved by XXXX XXXX using XXXX  and Trans Union credit information. I contacted all three parties informing them of the situation. The Inquiry still shows on my credit report with XXXX and Trans Union. Both claim I need to notify XXXX XXXX. However I notified them on XX/XX/XXXX XXXX and they removed the inquiry from my XXXX   credit report but not the others. 

I have contacted both XXXX and Trans Union MULTIPLE times and have been unable to resolve the issue.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I received serval responses to the disputes Ive made under FCRA 611 ( a ) regarding the information on my credit report ( an alleged Bankruptcy chapter XXXX  account unverified information ). I was furious to learn that they obtained unverified information from XXXX and elected to leave the disputed item on my credit report as accurate. I was very interested to know how their investigator ( s ) arrived at this erroneous conclusion that the information the company ( XXXX ) reported to the credit bureau is accurate. I requested a complete list of all documents and correspondence between them and XXXX, verifying the disputed information. I specified that they included all names and contact information of employees that they spoke to as part of the investigations. XXXX is not listed on my credit report as a creditor and I have no affiliation with them. The US Bankruptcy Court of NC XXXX is the creditor listed for reporting the alleged Bankruptcy chapter XXXX account unverified information. But the credit bureaus said they verified the information with XXXX and not with the US Bankruptcy Court of NC XXXX so there is no valid basis for claiming the alleged Bankruptcy chapter XXXX account information on my credit report is true. 

Due to my frustration, I reached out to the court listed on my credit report US Bankruptcy Court NC XXXX, to dispute the alleged Bankruptcy chapter XXXX information reporting and was advised that they have no affiliation or communication with any credit bureaus relating to bankruptcies. My repeated disputes were they said the verify the accuracy of the information being reported was a lie and they ignored all my requests, which is another violation of Federal Law and evidence so they willfully disregard the law. I advised them that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. and I request that they do this immediately.
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 : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX {$410.00} Account Name : XXXX Account Number : XXXX {$520.00} Account Name : XXXX XXXX Account Number : XXXX {$570.00} and list of Inquiries. 


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

Earlier this year, I filed a request for documentation pursuant to Section 609 of the FCRA with Experian, which was delivered to Experian on XX/XX/2021. Experian failed to respond. I also sent a demand letter to Experian, which was received by Experian on XX/XX/2021. Experian has so far failed to respond to all of my inquiries. Their initial failure to respond carries a {$1000.00} civil penalty per undeleted item. At this point, considering the elapsed timeframe of >30 days, Experian is now legally obligated to remove the disputed items off of my credit report. Therefore, I am requesting that they make the corrections requested on my last letter ( copy enclosed ).

Due to prior difficulty when working with Experian via the CFPB portal, I am enclosing a copy of my PA Driver 's License as well.