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

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A. Section2 : 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 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. 1681 s-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. 

Please be advised that I have enclosed with this dispute a copy of the original court order for Child support which list the ONLY ACCOUNT that I am currently paying with the names and ages of both my children on this order, signed by Judge, XXXX XXXX. 

As you can see and read on the provided attached copies of the court order Child support, you will notice the ages of both, my daughter born on XXXX XXXX XX/XX/XXXX ; and my son XXXX XXXX XXXX XXXX Born XX/XX/XXXX. 

Yet you do Not see any such account : ( XXXX ) I am requesting that you EITHER PROVE BEYOND A SHADOW OF A DOUBT ; the ACCURACY of this account A response from your company to a previous dispute of this same account you were insufficiently noted as : We verified that this item belongs to you. This account has been updated. Additional information has been provided from the original source regarding this item. '' Please note : ( verify /verf/ past tense : verified ; past participle : verified make sure or demonstrate that ( something ) is true, accurate, or justified. 
" his conclusions have been verified by later experiments '' LAW swear to or support ( a statement ) by affidavit. ) I would like to know what EXACTLY WAS VERIFIED? Was the AMOUNT VERIFIED? If so where is said verified proof? I did not receive any such proof in accordance with the Fair Credit Reporting act. It clearly states you can not report any negative items on my credit report that are not 100 % accurate. How is this account proven accurate and or " verified '' IF ITS NOT ON THE CHILD SUPPORT ORDER SIGNED BY THE JUDGE? 

If you fail to provide proof from the original reporting creditor ( XXXX ) that this account is Indeed accurate and " Verified '', you are bound by law to DELETE IT ASAP.
Product: Credit reporting or other personal consumer reports

Yesterday, XX/XX/year>, I received an email from Credit Karma stating my score changed. I logged in and saw that my XXXX account had closed and opened a new one. XXXX sent emails in XX/XX/year> to state they would still be the service agency handling my loans but they were internally updating the platform to a new URL. If there is an internal platform upgrade, I understand that this should not cause my account to close and reopen, which will adversely affect my credit score. Because XXXX will continue to be my loan service authority and not a new service agency, this should NOT have affected my credit score at all with an internal system upgrade. 

XXXX should have either stated in their emails about the transition that credit scores may be affected or that this should not have affected anyone 's credit score by closing and opening the account on their credit report. This is not a new account or servicer. This type of misinformation on XXXX 's part should be corrected, and the agency held accountable for its extremely poor business practices. This is not the first time XXXX has been a frustrating and challenging experience to navigate my student loan repayment.
Product: Debt collection

Case number XXXX XXXX XXXX XXXX XXXX a debt collection agency is attempting to collect on a debt that has exceeded its statute of limitation. This debt is with Discover bank. This debt was Charged off XX/XX/XXXX THE STATUTE OF LIMITATION HAS RAN ON THIS DEBT XX/XX/XXXX. Under the Fair Debt Collection Practices Act. The FDCPA prohibits collectors from taking action to collect a debt that they can not legally take. In Florida, filing a lawsuit beyond the statute of limitations is a fundamental illegality. If they take this step, I will have rights to pursue under the FDCPA. The limitations period begins from the date the last element of the cause of action occurred, ( 95.051 ). In this case Originally XX/XX/XXXX.  According to XXXX XXXX the original debt lender and XX/XX/XXXX according to Discover bank, XXXX client. Almost all other actions fall under the 4-year catch-all limitations period, ( F.S. 95.11 ( 3 ) ( p ) ). CMS is in violation of continued harassment or collection of a debt they can not legally collect upon. They purchased this old debts from Discover for pennies on the dollar, then are using aggressive collection tactics to attempt to collect the debts. While not an illegal practice in and of itself because the debt is owed it is illegal if they harass, threaten or try to trick you into renewing the statute of limitations. which they are doing by stating in their correspondence to consumer financial protection Bureau that my last that they have valid records and proof that the last time I made payment on this account was lXX/XX/XXXX. THAT IS A COMPLETE AND ABSOLUTE FALSE ASSERTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to you so that you will assist me in getting identity theft items and incorrect status items and unknown items removed from my credit file. the following items does not belong to me : The Bureaus - XXXX XXXX XXXX  - {$560.00} Unknown - Acct # XXXX ; Bal {$41.00} Unknown - Acct # XXXX ; Bal : {$41.00} XXXX - {$1300.00} XXXX  - {$390.00} The following items are reporting an inaccurate late status for the following accounts : XXXX  - Bal : XXXX ; incorrect late status of 30 days late in XXXX and XXXX XXXX  XXXX - Bal : {$19000.00} ; incorrect late status of 30 days late in XX/XX/XXXX XXXX XXXX XXXX - Bal : {$200000.00} ; incorrect late status of 30,60, 90, 120 days late in XXXX and XXXX The following Public Record is not mine : Chapter XXXX - Dismissed XXXX
Product: Checking or savings account

I was on a cruise from XX/XX/XXXX-XX/XX/XXXX I tried to use my chase debit card onXX/XX/XXXX to pay my bill on the cruise they blocked it for fraud I had to call them it took 3 different calls which my cellular company charged me {$53.00} to make the calls I called chase and explained to them that it was not fair that they blocked my transaction the manager XXXX I spoke to brushed me off and tried to transfer me to fraud which they would not be able to help me as well put me on hold for more than 5 minutes. I the filed a complaint on the website and they also were not willing to help me.it is unfair when an institution holds your money when you need it and claims fraud. I had to call 3 times on international waters for someone to help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$13000.00}. Please update.
Product: Debt collection

They keep posing as other companies but I know it's them also they call more than 7 times in one week.
Product: Credit card

Issue is with a transaction through Wells Fargo Bank involving a VISA Debit Card, I noticed an unfamiliar charge that appeared on my on-line banking record indicating a funds transfer for {$60.00} on XX/XX/. I called Wells Fargo XXXX XXXX on XX/XX/ to report the charge by which time three more charges had been transferred to the same unfamiliar account via a XXXX service. The three additional charges were still pending at that time. Wells Fargo cancelled the debit card but indicated that they couldn't stop/freeze the pending funds transfers. The total amount transferred to the unauthorized person ( identified as XXXX was {$850.00}. 

Wells Fargo issued card reversals on XXXX XXXX XXXX  to total the {$850.00}. and indicated that they were investigating. 

I received a letter from Wells Fargo dated XXXX  indicating that they had completed their research and stated that they found that the charges were made by me and thus were reversing the reversals. I contacted Wells Fargo on XXXX  and again on XX/XX/ and was informed that they had submitted my complaint to VISA, VISA supposedly did an investigation, and sided that XXXX had verified the transfer appropriately and that I was now responsible for the charges. Wells Fargo provided a phone number and email that was used to verify the funds transfer for a service through XXXX, neither of which are familiar to me and certainly not authorized by me. The phone number used to verify the transfer was XXXX and an email of XXXX. The phone number comes back to a number in XXXXXXXX XXXX, at least by my research. Again, I have never done business with this person and never authorized any funds transfer to them. 

Wells Fargo have indicated that they can do no more as VISA is the final arbitrator. VISA never contacted me in their investigation, neither has Wells Fargo.
Product: Debt collection

A debt ( {$1600.00} ), which i don't know where it came from, just showed up as a collection on my credit report, i'm not sure what it's for or where it came from and did not receive a letter prior to that from collection agency so i have a chance to validate and dispute the debt. 

Southwest Recovery Services XXXX XXXX XXXX, XXXX TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send a few letters about this issue and still nothing has been done. There are late payments that are reporting on my student loan... There is a billing issue ( 15 USC 1666B ) with my account because I have always been in school and my student loans have been in deferment so there should be no late payments... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I want the bureau to Tell me in writing what information you received from this creditor to support the presence of these supposed late payments. Tell me in writing what you did to determine that the information the creditor provided was accurate. Note how the information was relayed to the creditor and the EXACT information ( type/kind ) that was provided to your bureau as PROOF of the accuracy of these late payments. Any claims of application alleged made by me or former must have validation of verifiable proof of adequately acquired permissible purpose from anyone exactly identified by documentary evidence to be me and only me and or anyone lawfully provable to be acknowledge as an authority with rights to adjudicate actions minus my direct permission to render said permission. I am absolutely within in my consumer rights per every and XXXX even each any and or all state and or federal laws to requisite by demand of your lawful sworn attestment to the exactness and adequate legal obtainment of every and one even each any and or all of the challenged notes .Attest in composition to every and one even each an and or all of the data, every notation, the dates and balances, calculations and audits, accounting records and documented identities, the required XXXX XXXX XXXX XXXX format fielded. I want The bureaus to send me a new credit report showing the changes in my report which I take serious these bureaus are playing with my life right now... ..I don't understand why yall make things so hard for people I don't get it .....
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C XXXX  CKS PRIME INVESTMENTS, has violated my rights. 
( XXXX XXXX XXXX XXXX XXXX XXXX ) HAS VIOLATED MY RIGHTS. 

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

15 U.S.C XXXX  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 XXXX  b ( 2 ) not state that such consumer owes any debt.

I HAVE NEVER DONE BUSINESS OR EVEN HEARD OF THIS COMPANY BEFORE. I RECENTLY CHECKED MY CREDIT REPORT AND THIS INACCURATE INFORMATION WAS LISTED WITHOUT AN ACCOUNT NUMBER. I WAS NEVER NOTIFIED ABOUT THIS INACCURATE INFORMATION UNTIL I CHECKED MY CREDIT REPORT.
Product: Debt collection

XXXX ( XXXX XXXX XXXX ) invited me to their meeting in XXXX XXXX they promised to help increase the income over a {$1000.00} XXXX all I needed was {$8000.00}. to start with. and they assured me I have to pay from my new generated income which they will teach me how to make more money from the market. I agreed to this idea after that they had me sign me up few documents made me to sign while I was on phone with their executive. they didn't give me enough time to read or understand the programme. which they selected for me. after that they had me attend few online classes and asked me to give great reviews. they took {$4500.00} from me up front. and asuured me I will be earning minimum of {$1000.00} a month. after attending few classes I came to find out they want you to sign up for XXXX XXXX XXXX for any useful information. which cost extra {$50000.00}. they never helped me making extra {$1000.00} as promised after 2 years now I come to find out this debt collection company " Midwest fidality '' trying to collect {$23000.00}. with the interest rate of 17.90 %. and was asking me of detail information of my job and trying to pressure me to sell my car and get a bank loan to pay the debt off.
Product: Debt collection

I have had no communication or knowledge or documents regarding this Caine and Weiner collection {$38000.00} debt from XXXX XXXX XXXX owner of Apartments name is XXXX XXXX. 
No judgment for his so called " EVICTION AFTERMATH AND MAYHEM '' please see attached re. my ignored attempts to obtain the 38 or more " supporting documents '' sent or faxed in by the LANDLORD who is a vicious, frivilous, vexatious, and letigeous! I am legally entitled to know why he conjured up this rediculous bill amount falsly conjured up not only towards me but 5 other people ( family ) and su ent on to Caine and Weinert collection agency. I have been intentionally maliciously harassed for 2 years from this apartment owner! My lawyer was not able to get compliance from agency and i was not either from anyone! SOMEONE please subpoena them from Creditor and Agency. see attached. thank you so very much for being fast and efficient towards my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and Transunion are reporting incorrectly a charge-off in the amount of {$10000.00} on the XXXX XXXX XXXX account. ( Please see the attached notice from XXXX XXXX. ) There were extenuating circumstances and I was forced to return the vehicle I was purchasing. On XXXX I received the Notice of Our Plan to Sell Property letter from XXXX. ( XXXX letter attached ). The vehicle was scheduled to be sold at auction on XXXX. The letter from XXXX clearly states : If we get more money than you owe, you will get the extra money, unless we must pay it to someone else. The vehicle was sold at auction for {$11000.00}. ( Attached is a copy of the Motor Vehicle Record dated XXXX. ) XXXX made a difference of {$1000.00} from the sale of the vehicle and therefore there is not outstanding debt. Please see below - XXXX  Sale of Vehicle = {$11000.00} Charge-off amount reporting = {$10000.00} Difference of = {$1000.00} The charge-off amount is LESS than the sale of the vehicle and therefore there is not outstanding debt. I am not requesting the difference of {$1000.00} however, I am requesting that these line items be removed from my credit report. This incorrect reporting of a charge-off is harming my credit. I have contacted the ( 3 ) bureaus to remove these items from my credit report however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am writing regarding the debt referenced in your recent communication, XXXX XXXX XXXX and an alleged balance of {$4500.00}. I dispute this debt and request that you cease any further contact regarding this matter. 

According to my records, the statute of limitations applicable to this alleged debt under Florida law has expired. The last payment or activity on this account occurred on or around XX/XX/year>, which exceeds the [ XXXX or XXXX ] -year statute of limitations for debt collection in Florida XXXX As such, any legal action to collect this debt is barred by law. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and Florida state law, you are prohibited from taking any legal action to collect this time-barred debt. Additionally, any further attempts to collect this debt, including phone calls, letters, or any other form of contact, may constitute a violation of the FDCPA.
Product: Debt collection

The company agreed to remove this debt in XXXX. It was reported as an auto loan which it is not. The company XXXX that provided the product failed to uphold agreement and has since then went out of business. The product was damaged upon arrival and repair cost was paid by me. None of the important documentation after repeated attempts to obtain have not bee provided.
Product: Checking or savings account

on XX/XX/16, I received a notification from my bank ( Bank of america ) That there was deposit of 2 large checks amount XXXX and XXXX totaling XXXX made in my account in XXXX XXXX, IL. I informed Bank Of America representative over the phone that it was not me whom made a ATM deposit for those checks and i have no knowledge of whom deposited the checks into my account. I also informed the representative that i live in and on the date of incident was in XXXX, FL. My account was prematurely shut down and i have had the gruesome event of trying to prove to Bank Of America,  N.A that my information was stolen. I was not giving the opportunity to have an investigation done on this matter and upon the shutting down my account which no money was recovered from this incident, My personal information has been flagged throughout banking screening systems such as XXXX  and XXXX XXXX. I am unable to access any information or obtain another account with any financial institute due to this incident. Bank of America have not been helpful or forthcoming in light of this incident and instead of helping they have basically blamed me for my information being stolen and used maliciously. I have spoke to there fraud department and several branch advisor who continuously told me that there is nothing they can do. I have also had a In branch rep tell me they can not find my history with bank of america and insinuated that i may have been at the wrong bank, until i retrieved all of my statement from my vehicle and brought then to the teller. I have filed a police report in this matter and now I am getting a response back from XXXX XXXX after 2 years of trying to clear my name. Because of bank of america, at this time i am unable to get a bank account at any other financial institute for Incorrectly flagging my name. I would like better ways of screening person information before flagging a person for something they did not do.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling, and dispute particularly in the light other receipt CFPB lawsuit highlighting significant issue with a platform. Despite using Zelle numerous times and reporting discrepancies, my financial Institute and Zelle failed to investigate my claims adequately. They informed me that recovering my lost funds was impossible and that tracking these transaction was infeasible. The CFPB findings indicate that Zelle not only neglected to protect consumers, but has also allowed to repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raise serious concern about customer safety
Product: Credit card

I requested a cash balance transfer of {$10000.00} through a promotional offer at Chase Bank on XX/XX/scrub> 2024 that offered 0 % APR for 1 year. This would allow me to receive XXXX interest free for one year. It was not clear that auto-pay must be turned off once the balance transfer goes through, and that the balance transfer amount would be on the same balance as regular purchases. 

My auto-pay remained on, and initiated a payment of the full amount XXXX in XXXX. Since the funds were insufficient, the transaction bounced. I called Chase, and I was told it would be no problem at all -- I would need to just make sure to call and ensure the promotional APR is still in place.

However, because of this ( failed ) payment that was due to improper consumer communication, Chase bank has revoked my promotional APR, and is now charging me hundreds of dollars of interest each month. On XX/XX/XXXX, I was charged {$160.00} in interest. This is despite the fact I was told this would not be a problem. I called back on XX/XX/scrub> 2024, and I was told " no problem ''. Chase would take care of this and I don't need to do anything. So I didn't do anything. 

On XX/XX/XXXX, I was charged {$170.00} in interest. I called back once again on XX/XX/XXXX, and I was told that is was " no guarantee '' that the promotional rate would be reinstated. I asked to file an appeal, and I was told the appeal was filed. 

On XX/XX/XXXX, I called back once again to check on the status of my investigation. I was told no update, and that " a claim had not been filed ''. Despite the fact that I have called multiple times at this point to resolve the issue! I asked once more for the interest rate to be rebucketed to the promotional APR, and the supervisor purportedly filed a rebucketing request to his department. 

At this point, this is blatant exploitation. Chase bank arbitrarily revoked a promotional APR after inadequately communicating that autopay should be turned off for balance transfers. On top of this, the payment did not even go through, so it doesn't make sense why the balance transfer rate should not be reinstated immediately. 

I have been a Chase Bank customer for years. I will take my business elsewhere if this is not resolved properly.
Product: Student loan

I 'm a XXXX veteran living on social security and XXXX. I cosigned a loan for my daughter when she was in her last year of college in order for her to work as an intern and complete her degree program on time. She graduated, bought a dependable car, got a job in XXXX and two years later was married. She now has XXXX small children and a husband who provides for the family and struggles to make ends meet. He is an XXXX and work is feast of famine. His work has been showcased around the world but sales of his work are not steady. Recently we started receiving these letters. My credit score has dropped more than twenty five points since XXXX. I want to help my children, but my resources are limited. My son-in-law is doing the best he can and is working tirelessly to provide for his family. I need to get him the help to get these threatening people to backoff. I want them to leave me alone and not mess up my good credit that I worked years to get.