23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

shermeta law group XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MI XXXX this company took over a debt owed by a third party collector for XXXX XXXXXXXX in the amount of roughly XXXX $ and is a 15 year old debt but continues to re file judgements renewals for a debt they do not contact me about and or had i known of, however they have a XXXX $ with XXXX XXXX that doesnt affect me and calling them would simply probably either get me a huge bill and fees or a pennies settlement that may come up oh my credit reporting as current and the clock may start over for my great credit i want to report that these companies file XXXX $ renewal judgements continuously on a XXXX $ debt thats 15 years old but is ridiculous that they get approved XXXX XXXXXXXX approved me 6 years after a debt was outstanding and have continued to approve me but the renewal status flagged my perfect payment history now as possible delinquent and capital one has not only closed XXXX of my cards 15 years later but reduced limits to nothing on the other due to XXXX $ renewal judgements and a XXXX $ debt these law firms and pllc groups ( which has since closed ) can not get away with these crumb lawsuits and hurt credit specially after statues have long been over and the amount of debt does not justify the renewal or the continued judgments bXXXX XXXX XXXX XXXX XXXX XXXX companies XXXX $ debt 15 years passed and they are continuing to fight a credit card that was charged off and charged on an authorized user card none the less
Product: Bank account or service

Hello, First of all thanks a lot for having a forum that listens to the customer voice against big banks whose main motive is to make insane amount of money on taxpayers bailout. 
I am writing this complaint against bank of america who have defrauded me to the tune of {$700.00}. I deposited a check in XXXX XXXX from my dad 's XXXX bank account. After a month passed i noticed that the check never cleared. I did n't get any notification from BOA and when i inquired they mentioned that the check did n't clear because the signature did n't match. I looked at my statements and i noticed that they initially cleared the check and gave me the money that i never withdrew ( because i was told its an international check so wait ) but then they took the money away {$700.00} more than they deposited. I was really shocked to see that how can that happen. The check was not mine, it never cleared, it was not my fault and then they charged me {$700.00}. I have been going door to door but BOA does n't care because i am not their multi XXXX dollar corporate client. Please help! 
Here are the detailsThey gave {$7200.00} that i was told to note take out and then took away {$7900.00} - {$610.00} for a check that was not mine or not my fault at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a complaint because TransUnion is damaging my buying power and my character. I have exhausted all of my options on getting matters escalated directly with them but yet they have ignored. Today was my final attempt after being on a phone call XXXX hour XXXX minute with no solution to the issue. My Information has been compromised and there has few accounts opened in my name without my authority. I have contact original creditor and they have agreed and close out the account however it's reporting due Transunion negligence. On XX/XX/XXXX I sent out proper documents and XX/XX/XXXX I sent out XXXX fraud XXXX. XXXX has removed accounts for my credit report on XX/XX/XXXX and XXXX of XXXX and XXXX have removed accounts on my credit report XX/XX/XXXX. Admission is to deletion, the other credit bureaus have removed it then Trans Union should remove it especially because it's a fraudulent account. I have submitted all the proper documentations to them via certified mail which include my identity theft report as well as a dispute letter and out of my proper identification. Transunion has failed numerous of times and has violate my privacy as a consumer. The credit bureaus must report accuracy on my credit report and all accounts should have been properly verified before insertion.You have violated my federally protected consumer rights. Under 15 USC 1681e ( B ) you did not report my consumer report with accuracy. Transunion also violated 15 USC 1681 ( A ) ( 4 ) because you DID NOT report my consumer report with fairness, impartiality, and respect. In fact, you were biased with the instructions that I gave you and decided to do things your way by XXXX me and forcing me to accept what you deem verified. I've been told numerous of guys from the Credit representative and they have failed to do any type of proper verification or to acknowledge my documents that were sent. There's also numerous address on my credit report that does not belong to me. During YOUR investigation period, Transunion REMOVED THESE ITEMS WITHIN 4 DAYS ACCORDING TO 15 USC 1681c-2 ( A ), WHICH YOU VIOLATED. This issue is considered negligence and aggravated identity theft. Keep in mind, I called several times and ask to speak to an executive supervisor in the consumer affairs department but I was also told thy can't and will not help. I'm beyond upset. The names the credit accounts are XXXX XXXX XXXXXXXX, XXXXXXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX.
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. 
I want the CFPB to publish this description on consumerfinance.gov
Product: Credit reporting or other personal consumer reports

the last XXXX Digit of my Social Security number is not correct on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXX XXXX XXXX XXXX in XX/XX/2022. I submitted making an ACH information for automatic withdrawal for 24 month loan. Two withdrawals were taken out of my account and then all of a sudden my ACH information was deleted from the account by lender and I did not know that the account was not withdrawing until it was already past due. As soon as I realized I added back same info and got account up to date. I am never late and pride myself on my credit being in good standing. This was not my fault.
Product: Credit card

I'm filing a complaont against destiny card for mishandling my fraud case I filed a fraud case XX/XX/XXXX with destiny card letting them know I never received my card in the mail ending in XXXX and that the card had unauthorized charges on it on my account I reported the charges and destiny card has yet to reversed them I told I had no access to the card cause I never received it now they have my account in the negative because of this issue I have the charges listed below and would like a investigation in this matter to be resolved with this issue
Product: Credit card

Continental finance refuses to allow me to use my credit card. I made a payment of the balance in full and they wanted to do a conference call with my bank.
Product: Debt collection

On XX/XX/XXXX we received a threatening message from our former landlord XXXX XXXX XXXX XXXX XXXX saying they were going to sue us for debt that we had no clue of or were liable for. They threatened that we should settle with the owner or they were going to the legal action and ruin our credit and we would have to pay thousands to repair. 
They then sent out a repair bill totaling up to over XXXX $ in XX/XX/XXXX. 
We moved out from our rental of XXXX XXXX XXXX XXXX Texas. on XX/XX/XXXX. We were month to month after our initial lease was up in XX/XX/XXXX. We gave XXXX XXXX our 30 days notice. And they never returned our deposit or did a final walkthrough. We had to leave the keys at the house inside as they wouldn't even meet with us to turn over the keys and garage remotes. 
We haven't heard a word from them as they did have our forwarding address.6 months later ( past the 30 days they have ) they reported to credit agencies of a debt for XXXX $ that is not ours or are we responsible for. They will not answer any questions they just keep sending us bills and we didn't even live there. They are making false threats as XXXX XXXX rents several properties in our neighborhood and thinks people can be intimidated. We have disputed this with the collection agency. They hung up on me as you will hear in the recording I am attaching. As you can see we paid our rent up until XX/XX/XXXX which was our last payment. You will see from the lease extension that they provided It clearly states XX/XX/XXXX as termination of the lease.
Product: Checking or savings account

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are the dates of withdraws that I didn't do. Before all of this, I had to get a new debt card because of couple of bad purchases I did not make.. When I received my new card these withdraws started showing up that I didn't do. I went to the bank to shut down my card again. I had the person print out my statement and all theses withdraws all for {$100.00} showed up. I know I did NOT withdraw these. Because I was at work on these dates. I explained to them that NO ONE had access to my card. I feel my card has been hacked or scanned somehow. They told me that there is no way this can happen. I know this CAN happen. I reported all this to Chase on Monday XXXX, XXXX. and requested a new debt card. And as of today I still haven't received my new card. They told me it would be 7 to 10 days. I can't pay any of my bills without my card. I hope you can PLEASE help me.
Product: Credit card or prepaid card

The Bureaus did not properly investigate my account with DISCOVERBANK XXXX because incorrect information is reported on this account. A lot of errors in terms of the remarks. The payment history is incomplete, too. No 120 days record was found prior to getting the account to be a charge-off. Moreover, the date of the last activity is not reflection on the payment history. The entire remarks for this account do not concur with each of the information.
Product: Debt collection

Repeated calls, call my landline number, I say hello, there is no one there, I call back and I have to put the phone number in. I have spoken to a person after this, they are looking for someone who is not me. I have asked repeatedly to take my phone number off their lists, yet they keep calling. Examples of dates as follows : XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX The company name is Valentine and Cabartis ( SP? ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX has been reported as follows : XXXX XXXX XXXX XXXX XXXX $ XXXX OPENED XXXX AS CHARGE OFF XXXX XXXX XXXX $ XXXX OPENED XXXX AS COLLECTION UNPAIDXXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF XXXX XXXX XXXX XXXX XXXX $ XXXX OPENED XXXX AS CHARGE OFF UNPAIDXXXX XXXX XXXXACCOUNT NUMBERXXXXXXXXXXXXXXXXBALANCE $ XXXX OPENED XXXX AS CHARGE OFF XXXX XXXX XXXX $ XXXX OPENED XXXX AS COLLECTION UNPAID.XXXX XXXX XXXX XXXX $ XXXX OPENED XXXX AS COLLECTION UNPAID.XXXX XXXX XXXX XXXX XXXX $ XXXX OPENED XXXX AS COLLECTION UNPAID. ( Original Creditor : XXXX XXXX XXXX XXXXY ) ACCOUNT XXXX $ XXXX OPENED XXXX AS COLLECTION UNPAID.XXXXACCOUNT XXXX $ XXXX OPENED XXXX AS CHARGE OFF XXXX XXXX XXXX $ XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXX XXXX XXXX XXXX $ XXXX OPENED XXXX AS CHARGE OFF XXXXACCOUNT XXXX -ACCOUNT OPENED XXXX AS CHARGE OFF UNPAIDXXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXX XXXX XXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF UNPAID. 


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. 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 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

Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. 

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. 

XXXX XXXX Bank Account Account XXXX xxxxxxxxxxxx XXXX is not public info and should not be reported to Equifax. The only true credit reporting agency is the CFPB and they do NOT furnish consumer reports. Equifax is an independent company and has no written consent from me to report my non public information.
Product: Mortgage

Mr.Cooper Mortgage Company ask me to go paperless and switch my account to online banking and I refused. Once I refused issues started of Mr Cooper claiming that they didn't receive my Mortgage payment and issuing me a late fee, although I have several witnesses including postal workers who witnessed me mail my payment 14 days prior to my payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of a class action lawsuit against my mortgage company. I went into contract for my home with XXXX XXXX XXXXt and I was part of a class action lawsuit against my mortgage company for predatory loaning and fraudulent activities to which XXXX XXXX homes were ultimately awarded to the victims. I was under court order to stop paying my mortgage while litigation was taking place. I was fighting with XXXX XXXXy before the court order because the house they sold me was way worse then what they said and I had to spend roughly 30,000 dollars to renovate enough to be able to move in and during that time I had to pay rent to live elsewhere pay for construction and pay my mortgage. I am not the only victim here my property is listed in this court order.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  XXXX of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date XXXX XXXX XX/XX/XXXX & XXXX XXXX Date of XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting proof from XXXX credit reporting agency to show that they did a proper investigation in a issue I am having with experian credit reporting agency and XXXX  credit reporting agency. There are XXXX accounts I have been disputing for months now that do not belong on my credit reports. Experian and XXXX are not fixing the problem. If XXXX received to delete these XXXX accounts then experian and XXXX should be receiving the same response. I feel they are not investing my disputes or they would have received confirmation to delete these XXXX accounts off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because I have a fraudulent Item on my credit report I sent in a identity packed in it's been over 30days and the item is still on there I would like this issue resolved as soon as possible.
Product: Vehicle loan or lease

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. I didn't see any changes on my report since I've already paid for this account and never missed any payments. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected :
Product: Credit reporting or other personal consumer reports

I have been banned from paying my mortgage online. I have been with this company since my mortgage was sold in 2021, it has been extremely problematic and inconvenient. They don't respond to emails and when you are on a call you get conflicting information depending on which rep you are speaking to. I pay on time all the time. They were claiming to draft payments on specific dates but they wouldn't and it would XXXX up my banking and how I have my bills scheduled. I sent them a cashiers check as they demanded and then they told me they applied my payment to the wrong loan but have resolved the issue. I get a notification from all of my credit apps saying that my credit had dropped XXXX points. After they applied my payment to the wrong loan they decided to put a late payment on my credit report. No resolution at this time.
Product: Checking or savings account

I've been having problems with my account started this year. I was informed that I will not be receiving fees to the account because it will decline it but for some reason this year I've been getting charge overdraft fees a lot. I spoke to many people informing them that the banker who opened my account didn't disclose that I wont be charge any fees. I spoke to many people and all they did was refund the fee but no one help about avoiding the fees and to help me stop getting charge these fees. 

I spoke to a XXXX case # XXXX I specifically told him that I want my card to declined if I don't have enough money and I spoke to him on XX/XX/2019 because he told me he can't reverse any fees and he didn't even assist me with that. I still continue to get charge fees and I want it to stop. I have been lied to and the bank is not doing anything about it. I want all my overdraft fees refunded and want them to decline my debit card if the funds are not there.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$9000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$600.00} XXXXXXXX XXXX XXXX Balance : {$9000.00}
Product: Credit card

My social was used on a business credit card as the primary that was applied for in XX/XX/XXXX According to American Express there was no activity on the card for 9 years. In XX/XX/XXXX a XXXX card was sent by American Express to the owner of the company. The owner activated the card and proceeded to charge more than {$31000.00} too that card. I only found out about the card in XX/XX/XXXX when American Express called me looking for payment. I have no ownership or partnership in this company and have not worked there for the past 9 years. American Express keeps calling me and not the owner of the company who did all the actual charging. I have called American Express several times to get no where. Also if you look at the bill when it came in it has the company name listed XXXX and the my name XXXX as the owner of a company would you not question that?? 
I filed several fraud complaints with American Express and they say they can do nothing about it. Yet i have asked for a copy of the application and they can not provide me with XXXX?
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX : XX/XX/year> : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of account : XXXX XXXX XXXX under account # XXXX, An collection Account under XXXX XXXX XXXX : Account # XXXX, Another collection account under XXXX XXXX XXXX : Account # XXXX, collection account XXXX XXXX XXXX : under account # XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Hunter Warfield started contacting me about a final statement from XXXX XXXX on the same date that the final statement was generated, including language that indicated that they would damage my credit if I didn't pay immediately. I paid XXXX XXXX directly, as I had no idea as to whether Hunter Warfield was a scammer or not. 

I told Hunter Warfield that they would need to verify that they were allowed collect on this debt. I never received verification. Unfortunately, I don't have it recorded, but when I was asking for this proof over the phone, the representative said something to the effect of " XXXX, are you XXXX? We're a collection agency, we collect on debts for XXXX XXXX. '' Requesting verification of a debt is not something that one should be condemned or talked down to for. 

I sent a written demand for verification and dispute to Hunter Warfield via certified letter and received delivery receipt.