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

I WAS NOTIFIED BY MY ONLINE BANK CHIME BY MESSAGE AND ASKED IF I REQUESTED CODE NUMBERS. I CALLED ASAP AND THE GIRL WHO ANSWERED DIDN'T HAVE AN ANSWER TO HELP WITH THE ISSUE. WHEN I LEFT WORK I ASKED FOR A CALL BACK FROM MY CHIME APP AND I WAS CALLED BACK FROM THEIR CORRECT NUMBER. I WAS TOLD MY ACCOUNT WAS COMPROMISED AND THEY NEEDED TO TRANSFER MY SAVINGS TO A NEW CHECKING. THEY KNEW HOW MUCH WAS IN EACH ACCOUNT I HAD AND NEVER ASKED ME FOR ANY OF MY INFORTMATION. I WAS HESITANT AND LOST THE CALL BECAUSE OF SERVICE WHERE I WAS SO THEY CALLED BACK. WE WENT BACK AND FORTH SERVERAL TIMES AS CAN BE SEEN ON MY CALL LOG. THE NUMBER WAS ALWAYS THE SAME CHIME PHONE NUMBER. DURING XXXX OF THE CALL BACKS I HAD A VOICEMAIL LEFT FROM THE CHIME NUMBER STATING TO CALL THEM BECAUSE FRAUD WAS SUSPECTED AND IF I DIDN'T CALL BACK THEY WOULD PUT A HOLD ON MY ACCOUNT. I DIDN'T GET THAT RIGHT AWAY BECAUSE I WAS ON THE PHONE WITH THEM AT THE TIME... OR SO I THOUGHT. BUT SINCE I DIDN'T CALL BACK THEY SHOULD OF PUT A HOLD ON MY ACCOUNT TO PREVENT ANY FRAUD AS THEY SAID. I CALLED THEM ASAP WHEN I REALIZED WHAT HAPPENED AND THAT I WAS SCAMMED. THEY FILED A DISPUTE ALTHOUGH I KEPT TELLING THEM I WAS SCAMMED. I SENT THEM EVERYTHING I AM SENDING YOU AND THEY DENIED MY DISPUTE. I CALLED THIS MORNING AND ASKED FOR THE DISPUTE DEPARTMENT AND THEY REOPENED MY CASE. THEY TOLD ME THEY ONLY SHOWED XXXX CALLS BETWEEN ME AND THEM AND I INFORMED THEM THAT MY CALL LOG CLEARLY HAS SEVERAL CALLS TO AND FROM THEIR NUMBER AND MYSELF. MY MONEY IS SUPPOSED TO BE PROTECTED BY THE FDIC AND FROM FRAUD. IF THEY LOOK AT MY HISTORY THEY CAN SEE THAT I DON'T USE MY ACCOUNT LIKE THAT. THEY DIDN'T CALL ME OR ASK ANY QUESTIONS ABOUT ANY THING I SENT THEM. THEY TREATE IT LIKE I JUST SENT EVERYTHING I HAVE IN THE WORLD TO SOMEONE WITH THEIR COMPANY EMAIL ADDRESS. THIS WAS FRAUD AT ITS FINEST AND THEY STILL DIDN'T CLOSE MY ACCOUNT DOWN AFTER I FILED THE CLAIM. I HAD TO DO THAT. THEY DON'T SEEM TO BE CONCERNED THAT THEIR SYSTEM WAS HACKED. I LOST {$3000.00} TO THESE THESE SCAMMERS AND BY BANK IS TREATING IT LIKE I HAD A CRAZY MOMENT AND DECIDED TO GIVE MY MONEY AWAY. CHIME BANK IS BACKED BY XXXXXXXX XXXX. I HAVE NEVER HAD AN ISSUE WITH THEM UNTIL NOW.
Product: Credit card or prepaid card

* called Capital one on XX/XX/2022 I extended my consumer credit to Capital one and they violated me and broke the law when they recently RESTRICT both of my capital one accounts without my permission and / or consent. 
Restrict- limit something, especially an activity, to ( a particular place, time, or category of people ). 
Let it be known I am the original creditor When I called capital one and spoke with XXXX manager of the fraud and dispute department at Capital One, she told me both of my accounts were CLOSED. Her ID reference number : XXXX XXXX of Capital One could not give me a complete and accurate reason as to why my account was closed. 
Closed - to deny access to ( XXXX dictionary ) This is deceptive, and unfair debt collection practices. To restrict and to close are two different actions. You cant do two actions it is either one or the other. These action can not not be acted on without the original creditor consent. 
She ( XXXX XXXX stated you violated the bank terms and conditions she could not tell me exactly what the violations was she said it was the banks decision. How can a bank which is an elaborate mechanism with no real standing or authority make a decision based off my extended consumer credit. Once my credit was ran by Capital one, they gain access to the trust and became the appointed trustee. I am the beneficiary and this action from capital one do not benefit me. When the trustee actions dont benefit the beneficiary its FRAUD. 
So where is the Proof? If I violated their agreement wouldnt it make sense to show me where in the agreement? 
Instead I got a I dont have access as to why your account was close and I dont have any other person you can talk to Im the higher -XXXX  response. 
Capital One which is a Fictitious entity can not make decisions based on my extended credit its prohibited by federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 

As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 
15 USC 1681 s-2 Says XXXX, Experian, and XXXX is a furnisher of information to a consumer reporting agency. 
XXXX, Experian, and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand XXXX, Experian, and XXXX to Cease and Desist the reporting of incorrect/ inaccurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX, XXXX I was receiving a lot of pre- approvals from XXXX XXXX XXXX At XXXX I ignored them but XXXX XXXX kept sending me different offers telling me that I was pre- approved for different consumer transactions such as, credit cards, financing a car or even pre- approvals for housing loans. I'm was getting pre- approvals for personal loans too. Every day I would receive multiple offers through XXXX XXXX and through emails from XXXX XXXX. I would see these offers every time I logged into my account, I would received new pre- approvals everyday. I started receiving so many offers through XXXX XXXX that I told my friends and family that we were finally getting an opportunity to XXXX in real estate, to XXXX in a XXXX care rental business, and to take a much needed trip. After a few months of being told I was pre- approved I applied for a personal loan and was denied. A few months later after being told I was still pre- approved I put my consumer report into the perfect score position to re- apply for another personal loan and 2 credit cards only to be denied again. I was so upset, I was very angry, and I felt misled, very deceived, and confused. I was marketed to for months and months and months. XXXX XXXX told me I was pre- approved and these were lies!! I became very angry, I was feeling annoyed all the time, upset, crying, I could not focus, I was physically ill with migraines, and in a state of disarray. I became withdrawn and unhinged from my favorite activities as well as from my friends, family, and from my job. I began to isolate myself as this affected my daily activities, my job, my friends, and to my family. Ultimately resulting in loss of employment as well as the break up between myself and XXXX. I still receive pre- approvals from XXXX XXXX XXXX day and this has had a negative reaction to how I make transactions in XXXX  today. Every time I receive a pre- approval from anyone especially XXXX XXXX I immediately freak out and my body will break out in sweats and hives. This experience has made me very uncomfortable, and unsure of my future. I have lost a job, a social life, my wedding, and not to mention a horrible consumer report and I only know this when I can muzzle up enough courage to even look at it, I don't even check my consumer report as frequently as I should because of this experience.
Product: Debt collection

On this date of XXXX XXXX, XXXX I received an alert from my credit monitoring stating that a collection account was added to my credit report. Upon reviewing my credit report, STELLAR RECOVERY INC. added this fraudulent account on my credit report again without sending me ANY notification. This account has NOT been validated after numerous written request. I file a complaint with the Consumer Financial Protection Bureau XXXX XXXX, XXXX complaint # XXXX in this complaint STELLAR RECOVERY INC stated that they will delete this account ; XXXX XXXX # XXXX, which they did comply. Since then- STELLAR RECOVERY INC HAS NOT CONTACTED ME VIA ANY METHOD nor have they sent me a signed contract as requested. They have not validated this alleged debt and for this company to reinsert is alleged debt back on to my credit report is a direct violation of the Fair Credit Reporting act, Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) and Maryland Fair Debt Collection Practices Act, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought this house on XXXX XXXX in XXXX Mississippi in XXXX. Trustmark shows a purchase date of XXXX. This is taking away 10 years of my credit history as I'm trying to buy a new home. Trustmark says that I have to locate my paperwork from XXXX to prove that was when I bought the house. I bought it in XXXX and not in XXXX
Product: Debt collection

This is my SECOND attempt to resolve this alleged debt with Med 1 Solutions ( see CFPB Complaint # XXXX ). The company alleges they talked to me about a payment arrangement, for which I have no clue as to how that happened, they must have me confused with another individual. The company DID speak with me, but in a derogatory and intimidating manner. I even went as far as agreeing to a lump-sum payment to resolve this issue - and it IS an issue as the services as charged were NOT services rendered, nor was my insurance even billed properly. 

Therefore, this is my SECOND offer to resolve this debt. I will pay a lump sum of {$850.00} to Med 1, and Med 1 will close this file and remove any derogatory credit reporting from all 3 bureaus. I am not interested in anything else but a lump-sum arrangement. I will exhaust all legal avenues possible should this not get resolved amicably. 

I do not wish to be contacted by phone or email regarding this. Send the agreed amount in the form of a bill and I will pay forthwith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly reached out to Experian about incorrect information thats being reported. After you have finished with my request, send me a copy of my credit report reflecting these changes.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handing of 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. CFPBS findings indicate that Zelle has not only neglected to protect offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Debt collection

Winn Law group on the first hand will never answer their phone and will keep you on hold until you basically give up. I even went to their office location and was threatened that they would call the police. This lawyer has some sort of serious ax to grind with me personally and they are collecting on a debt that they already successfully garnished my wages and the full amount was collected until they came up with an amount and even placed a lien on my home. They go to court without even notifying me to defend myself and pray upon me as if I am some sort of evil person. This XXXX XXXX XXXX refuses to even call me or make any contact. How is this type of evil allowed to collect from a debt collector that will not take my calls and even let me know anything? 

I do not know what the original debt is can someone help me??? 

Also they list they are the lawyer for XXXX XXXX and XXXX???
Product: Vehicle loan or lease

I financed a vehicle from a buy here pay here lot. I voluntarily reposted the vehicle 2 years later after making monthly on time payments. However the loan was sold to another company who has now placed a judgement on my credit for more than the value of the vehicle after the vehicle was sold. Which they are now attempting to garnish my wages from my employer and affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage lender requested my credit report from Equifax, XXXX  and XXXX XXXX via Equifax Mortgage Solutions. Equifax Mortgage Solutions collected my credit report from XXXX  and reported it to me in a document called " Credit Score Disclosure '' and to my lender. The disclosure indicated that my XXXX  Credit score was XXXX and that 4 key factors were adversely affecting my score including : " 12 length of time revolving accounts have been established, 01 amount owed on accounts is too high, 14 length of time accounts have been established, and 10 ratio of balance to limit on bank revolving or other rev accts too high. '' After receiving this disclosure we requested a copy of my credit report from XXXX. My XXXX  report listed only 1 revolving credit account with a low balance, and a note on that account indicating that the balance was " low '' - not " too high. '' There was no revolving account on the report with a high balance. We contacted XXXX  to ask them why they reported different information to us than they reported to Equifax Mortgage Solutions. XXXX  told us twice in two different phone calls that they did not make those comments about my revolving account balance and that we needed to discuss the matter with Equifax Mortgage Solutions - and in fact my report from XXXX  says I " have no negative factor impacting [ my ] score. '' XXXX  said that they did not report that the account balance is too high, they explained to me that Equifax Mortgage Solutions derive their own conclusions from the information they received from XXXX. Next I called Equifax Mortgage Solutions, they said that I can not dispute these comments with them, that I need to contact XXXX. XXXX  is asserting that they did not provide any negative comments. The net result of this is that my credit score which Equifax Mortgage Solutions reported to my lender is lower, there are inaccurate comments about my accounts that are adversely affecting my score - and neither Equifax Mortgage Solutions nor XXXX  are taking responsibility. In fact these two companies are refusing to let me dispute this inaccurate information.
Product: Credit reporting or other personal consumer reports

It appears that the Company Rent Debt Automated Collections, LLC have obtained this account as a result of material misrepresentation, fraud & Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and XXXX XXXX. The Original Creditor did not legally obtain consent to sale, transfer or disclose any account information with your company or any other non-affiliated third party as regulated by 15 USC 6802 of the GLBA. Failure to provide FULL disclosure of material information is an unfair method of competition and unfair & deceptive acts of FRAUD. When a person is defrauded into entering a contract, the contract is no longer enforceable, and the defrauded party may void the contract upon learning of the fraud. You are now hereby notified of the following : Upon discovering FRAUD associated with the contract between the consumer and the original creditor ; the contract is no longer enforceable and is now VOID on its face. As a result, ANY and ALL consent to possess, use and share private information obtained by, through or from that contracted original creditor is now REVOKED, TERMINATED, CANCELED and RESCINDED pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I Have a {$50.00} dollar Prepaid XXXX XXXX from XXXX XXXX XXXX. I have called to confirm the balance is on the card, as well as checked on the website, the card is also registered. But it doesn't work in store or online. I could not find any way to even attempt to speak with a real person nor any other means of reaching out. The card is valid until XX/XX/year>.
Product: Credit card

I have been a customer of American Express for over almost 30 years and i just noticed that I have a 30 day late payment reported to the credit agencies from XXXX ' 2012. I have never missed a payment from this account.
Product: Credit reporting or other personal consumer reports

I am witing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document I am a victim of identity theft. I have multiple accounts and inquires that I DID NOT apply for listed on my credit report ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX ), XXXX XXXX XXXX XXXXXXXX 15 U.S.C. 1681g 15 U.S.C. 1681h 15 U.S.C. 1681i 15 U.S.C. 1681j 15 U.S.C. 1681k 15 U.S.C. 1681l Section 615 Section 616 Section 617 Section 618 Section 619 Section 620 Section 621 Section 622 Section 623 Section 624 Section 625 Section 626 Section 627 Section 628 Section 629 15 U.S.C. 1681m 15 U.S.C. 1681n 15 U.S.C. 1681o 15 U.S.C. 1681p 15 U.S.C. 1681q 15 U.S.C. 1681r 15 U.S.C. 1681s 15 U.S.C. 1681s-1 15 U.S.C. 1681s-2 15 U.S.C. 1681t 15 U.S.C. 1681u 15 U.S.C. 1681v 15 U.S.C. 1681w 15 U.S.C. 1681x 15 U.S.C. 1681y
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered errors on my XXXX and XXXX credit reports. Both were reporting a 90 day delinquency starting XX/XX/XXXX and 120 days through XX/XX/XXXX. 
My student loans were consolidated in XX/XX/XXXX and I was in a forbearance program from XX/XX/XXXX-XX/XX/XXXX. I have provided the necessary documentation from the national loan database, my servicer at the time was EdFinancial, the servicer who owned my loan after it was consolidated. 
I have reached out to them and they said they did not report this, and I have been trying to find out who reported this, and continues to report it, as EdFinancial is the only servicer who can possibly be reporting this as they owned and serviced the loan during this time. 

On XX/XX/XXXX, XXXX deleted this account ( # XXXX ) from my credit report in response to my dispute. It states the reporters are XXXX XXXX XXXX XXXX ( XXXX XXXX  XXXX, XXXX, XXXX XXXX, ( XXXX ) XXXX. 
On XX/XX/XXXX, XXXX claims it deleted this same account XXXX # XXXX XXXX from my credit report in response to my dispute. However, it states the reporters are US Department of Edu Afsa,  XXXX XXXX XXXX, XXXX XXXX XXXX Phone : ( XXXX ) XXXX. 

I have called the 800 number provided numerous times in the past week and the only time I was able to reach a live person, he told me I needed to contact my servicer at the time and hung up on me. 
Edfinancial states it did not report this, as their notes indicate a forbearance from XX/XX/XXXX-XX/XX/XXXX. Therefore, regardless of who is reporting this, the information is wrong because the loan was never 90 or 120 days delinquent. 
XXXX states they deleted the account, but the reporters are still reporting it to XXXX so I am at my wit 's end trying to resolve this issue.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information appearing on my credit report, as provided by your agency. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute inaccurate, incomplete, or unverifiable information, and your agency is required to investigate and correct any errors. 

Details of the Inaccurate Information : Creditor Name : Credit First Inaccurate Information : Erroneous Data Your agency has failed to conduct a reasonable reinvestigation into the disputed information within the legally mandated 30 days. 
You have not provided documentation on how you verified the information, as required under the FCRA. 
This erroneous reporting has caused significant harm to my creditworthiness, leading to higher interest rates. 

Enclosed are copies of documents supporting my dispute. 

Requested Action : Immediately remove or correct the disputed information from my credit report. 
Provide a corrected copy of my credit report once the necessary changes have been made. Explain your reinvestigation process and provide the method and results of your verification. If your agency fails to respond appropriately or continues reporting inaccurate data, I may pursue further legal action for non-compliance with the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution within 30 days, as required by law.