23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am to formally express my concerns regarding Zelles 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the accounts have violated my rights : Dept. of EDXXXX XXXX XXXX sectioned into 18 accounts ) XXXX XXXX XXXX Members XXXX XXXX Michigan XXXXy XXXX XXXX XXXXt XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the 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 my written instructions.
Product: Payday loan, title loan, or personal loan

XX/XX/2020 my line of credit acct was closed and I got no notice from the bank I contacted them on several occasions from that date until present and response was they would contact me which they didnt was charged late fees and finance charges and I have been paying what I can due to covid-19 and they still charging me I have talked to several representatives and no luck with them they say this and that but they still closed my acct after I paid payments of {$86.00}, and {$210.00} within the last month.
Product: Consumer Loan

On XX/XX/2015, Helms Associates responded to a complaint I filed via CFPB and advised me that they would delete the tradeline off XXXX credit report. I have a copy of my XXXX credit report dated XX/XX/2015, an Helms Associates is currently reporting this account to XXXX and updated this account on XX/XX/2015. This account should have been deleted not updated on my credit report. Helms Associates are in non-compliance. This is Helm Associate exact response from the complaint I filed XX/XX/2015 and their reponse on XX/XX/2015 " This is in response to the above-referenced complaint, which was forwarded to this office on XXXX XXXX, 2015, and assigned Case Number XXXX. '' " After a thorough investigation, our records indicate that the last direct contact with XXXX XXXX was XXXX XXXX, 2015, at which time he wanted to voluntarily surrender his vehicle. Since then, we have no record of the customer attempting to contact us directly, in regard to a validation of debt request ''. " However, we did receive a request from XXXX on XXXX XXXX, 2015, requesting the accuracy in reporting of XXXX account ''. 
" After reviewing the information provided from XXXX and our own internal notes, we responded on XXXX XXXX, 2015 stating that the information previously provided was accurate ''. " Even though we believe we acted appropriately as authorized by contract or law, Helm Associates will grant, as a goodwill gesture, XXXX XXXX desired resolution to remove our trade line information from his credit report ''. " Please be advised that XXXX is our only credit reporting agency ''. 
" We pride ourselves on working with the customer to resolve any issue brought to our attention ''. " As always, Helm Associates makes every effort to fulfill all reasonable requests ''. " If I could be of further assistance, please do not hesitate to contact me ''. 

" Respectfully submitted, XXXX XXXX, XXXX XXXX ''
Product: Debt collection

I have paid XXXX XXXX XXXX my phone bill before closing my account last year! I have already contacted all credit companies and they removed it bc it was wrongful and now again for the second time they have resold my information to Mrs Bpo and these arrogant disrespectful have no regard for anyone BLOWS my phone up from noon to dusk. 
They should be held accountable and there needs to be a revolution on this Abusive entity having this much power.
Product: Debt collection

Around XXXX XXXX, I received in the mail XXXX tickets for going through a red light. I contacted XXXX XXXX XXXX XXXX Ticket Agency and was told because of XXXX ( XX/XX/XXXX-XX/XX/XXXX ) the red light cameras were defective and the tickets were dismissed. 
Recently, I checked my credit report using XXXX XXXX and I see Alliance One Receivables has placed XXXX collection accounts on my XXXX credit report on XXXX XXXX, XXXX, and XXXX XXXX, XXXX. The Alliance One Receivables collection accounts do not appear on my XXXX report. My XXXX credit score is XXXX and my XXXX credit score is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 credit reporting agencies have the power to ruin your credit without abs repercussions. I have repeatedly asked them to remove items off my credit report that I know I dont owe. I asked them to remove all those names of my credit report, it hasnt been done, I have asked them to remove addresses that are not mine and they have not done it yet. You XXXX here to protect my rights as a consumer and I feel this is not happening. This has been an ongoing issue for XXXX American people since close ever. Stereotyping me is not only unconstitutional it needs to stop. Youre here to help, but I noticed this is not whats happening. I have yet to receive one piece of concrete evidence in regards to any of these matters. Yet my credit report looks like XXXX, no matter how hard I am trying to clean it up. The huge difference in the scores are unbelievable, XXXX has me at XXXX, Experian has me at XXXX, while XXXX has me at XXXX. Please explain how can this be so off with them, yet everyone uses them for accuracy in getting my credit score. I have tried to call them repeatedly, their customer service representatives are rude, disrespectful and unprofessional. They feel they can do whatever they want because no one has challenged them to the full extent of the law. Enough is enough abs this has gone on for way to long. All Im asking is for you to do your job and help me as a consumer without leaning over to their side. This does not help me. I need this problem fixed right now and I dont want to keep asking. Im a XXXX Veteran with XXXX and a XXXX Citizen my rights have been completely and utterly disregarded.
Product: Credit card

I recently was approved for American Express Credit Card for my business. I received it and activated the card but when i attempted to use it, it kept declining. I contacted Amex as to what is going on and they stated it was due to my " Personal Account '' which i have never had with amex. I kept asking them to verify the information on the account and come to find out Amex has linked my twin brothers delinquent account XXXX XXXX to my account. Yes we are brothers but i 'm not responsible for his debts. I asked them how this could have happened and they could n't explain to me anything other than stating that it was my account, i told them no it 's not my account. I had asked them to confirm the address, social and my business phone number. They claimed this issue to delink the accounts is on the " vice presidents desk '' to have the accounts delinked and that would take 48 hours which was 2 weeks ago. I kept on calling to get this resolved but it has not been resolved. I just want them to delink my account from my brothers account, he is a grow XXXX year old man and is responsible for his debts and i should not have to be punished for someone else debts. I want to make sure this is not being reported to my credit and i want this fixed asap.
Product: Debt collection

I and people I know were approached by a " investigating officer '' pretending to be XXXX XXXX from XXXX XXXX XXXX XXXX XXXX pretending to represent XXXX XXXX XXXX with fake case number and claimed to need to make payment arrangements under penalty of Law. After setting up XXXX biweekly payment got a call from a family member that it was a scam. I went to My representative at local XXXX XXXX XXXX location who verified it was a scam and cancel my debit card immediately. the scammer phone XXXX registered from XXXX Tx.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I AM A XXXX XXXX XXXX XXXX, AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. 

CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3. 

EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN XXXX BUSINESS DAYS. 

AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED. 

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
Product: Debt collection

PlusFour Collections has {$210.00} on my credit reports. I've disputed them twice ; they apparently validate the debt but never respond to my dispute stating that I never received even one invoice from this company indicating what this debt is for. There is no account number listed on my credit reports. I couldn't make a payment even if I wanted to because these people won't respond with an invoice.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit from the site identitytheft.gov. 
Please dspute the following accounts. They were opened wihtout my knowlege, authority or consent. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I keep informing the representatives that I can not receive these types of calls at my place of employment, and they continue to call - everyday! It is getting to the point where my ability to stay gainfully employed due to the excessive calls after I have verbally, with no success, requested to stop has XXXX impact on their intention to stop calling. I am reaching the end of my rope because I do not know what to do at this point. What adds insult to injury, I do not owe this debt because I have an active, XXXX account and the tolls ARE being deducted from my account.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were opened to purchase underwear. Undergarments were stolen off front of house address. 

XXXX XXXX underwear stolen and replaced without receipt on porch/ front of XXXX XXXX. 

Credit card was open and closed and opened new cards not replaced cards. Effected my credit score XX/XX/30 points drop for hits on credit history. 

Paper bills not sent to house address.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX 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 instruction
Product: Credit reporting or other personal consumer reports

Please take this complaint seriously and review the attached file. I have spent an exhausting amount of time trying to correct the errors on my credit report, yet my requests continue to be ignored. This ongoing issue has negatively impacted every aspect of my life, and I have reached my limit. 

These inaccuracies are taking a serious toll on my XXXX  well-being, and the financial strain caused by my lowered credit score has made it even harder to seek the help I need.
Product: Money transfer, virtual currency, or money service

the coinbase wallet does not want to give me my money and I can not pay any of my bills without confirming that my XXXX son asks me every day if they already gave me the money to buy XXXX  it is incredible that a great country such as the United States is happening these things and also that the institutions look the other way when people claim their rights when I arrived in this country I thought I had arrived in a free country with laws but after 7 years I understood that I asked for refuge in the wrong place where it is supposed people have freedom and respect there are only laws but not justice this is one of the many times where I claim my rights and I receive the response of someone who tells you we can't do anything where are the laws where is the respect where is it?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX and account reported from : Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Reason : Under penalty of perjury, I swear this account is false and misleading. Please remove it from my credit report. 

Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry - XXXX Reason : The inquiries was not authorize. Please remove it from my credit report. 


ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND XXXX EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE XXXX FORMAT FIELDED XXXX STATEMENTS ( XXXX ), MANDATED XXXX PARCELS OF CONFIRMATION NECCESSARY TO REPORT COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL XXXX ( XXXX ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/ AND OR ALPHANUMERIC SOURCE CODES ( XXXX ), AS WELL AS EVERY AND XXXX EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, -STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT. ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, XXXX. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XX/XX/XXXXXXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX - XX/XX/XXXXXX/XX/XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX- XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$210.00}
Product: Credit reporting or other personal consumer reports

After my previous complaint there has been no documentation supporting the incorrect address reporting to my credit profile ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account
Product: Student loan

When I was about to XXXX I asked for my degree and my transcripts, but I was unable to obtain those things because I still owe the school of balance. I did not know what I was signing. I was just signing to get to the next semester. That caused me to have a balance and I was not aware of it. By the time I XXXX, which was in XXXX, I had over a {$10000.00} balance with the school. I was unable to get my transcripts nor degree, I am still to this day in XXXX I do not have those things. I did not have a parent or guardian because I was considered ward of the court. Currently I have Over {$57000.00} worth of student loan debt and over {$10000.00} debt with XXXX XXXX I never received any documentation from the school with regards to repayment. I started getting collecting agency calls and I never fully understood why I was confused so I reached out to XXXX and tried to set up a payment plan then Covid happened, and I was unable to keep up with my payments. I worked hard for my degree, and I think its Unfair that the XXXX is keeping it from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act XXXX hard inquires, has violated my rights. 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 an account without my written instructions. Hard inquiry - XXXX  : XXXX on XXXX. Hard Inquiry : US Department of Education : Equifax on XXXX, XXXX XXXX  : Equifax on XXXX
Product: Credit card or prepaid card

I closed my account and the company has failed to return my security deposit. The have been giving me the run around and not sending me my money.
Product: Money transfer, virtual currency, or money service

I had made a recall request to the Kraken in order to recall transfers that I inadvertently made to a fraudulent merchant. 

The details of the transfers are as follows : Digital Exchange Amount Digital Currency Transfer Date Kraken XXXX Lumen XLM XX/XX/2019 at XXXX XXXX Kraken XXXX Bitcoin XBT XX/XX/2019 at XXXX XXXX I was apparently a victim of an Internet-fraud committed by a person hidden behind the web-platform for trading financial regulated tools XXXX or similar. On first place, I was misled by the merchant that 1 ) they are entitled to trade regulated financial tools ; 2 ) they are keeping my money in segregated financial accounts ; 3 ) Im participating in real-time trading ; 4 ) the addresses and contact details on the web-page are really related to an existing broker. Most, if not all, of these facts and circumstances are falling within the scope of the regular XXXX/XXXX-check-ups that diligent banks should do according to the applicable law. I was instructed by the Merchant to wire funds to Kraken and after that to the merchant. In such cases all financial institutions should not have allowed transactions to happen, if they are possibly related to fraud and/or money laundering. On second place, I have tried to resolve the issue by contacting Kraken and demanding reversal of all transactions made to the beneficiary, merchant and any third parties hidden behind XXXX platform. Unfortunately, the Kraken responded they were unable to assist further due to different regulatory obstacles.

I informed the Kraken about the fraud and the money laundering that happened to me. But they didn't help me at all. 
I believe that the Kraken is associated with this fraud and money laundering.Therefore, I kindly ask you after consideration of all facts on the case briefly summarized above to : 1 )  Check the observance of the XXXXand XXXXobligationsof Kraken in the case of the disputed transactions in light of the restriction to process payments possibly related to fraud ; and 2 ) To instruct Kraken to reverse all disputed transactions with regard to the payments specified  in the letter provided to the bank on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report and noticed that there are multiple addresses on there that I don't live at. The only address that should be reporting is listed below. 

Correct address XXXX XXXX XXXX XXXX MD, XXXX Please delete these wrong addresses thats listed below. 

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

My husband used my credit to lease a vehicle in XXXX while I was out of the country. He paid the first month 's lease when he paid down payment with other fees relating to registration and drove off the car. Since then, we never received any bills from the creditor, GM Financial, until I received an email from credit bureau ( XXXX and XXXX ) notifying me that my credit score dropped by 60 points. Surprised, I reviewed my credit report. It went down by 60 points because GM Financial reported late payments on my husband 's auto lease. I came back to the States in late XXXX. I looked through every mails that came while I was gone and there was no mail or anything from GM Financial ever. We still have not received any bills. The lease amount is only {$280.00} - I would never miss this payment at the risk of losing 60 points on my credit score. I called GM and they said they can not remove the report because they mailed them out. This is ridiculous - we just opened up the account in XXXX and this was our first time missing payment clearly due to GM 's mailing system. Again, we still have not received our XXXX bill which they claimed to send on XX/XX/2018. How am I supposed to pay the bills that I never received? I am responsible for multiple bills per months. GM Financial does not care and merely repeats that they sent out the bills. They clearly don't care about the fact that I will not be receiving those bills in the future as well. This creditor is harassing consumers and needs to be reported.