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

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

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am formally, expressing my concerns regarding Zelles handling of disputes, particularly in spite 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 were impossible and that tracking these transactions were 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 users, vulnerable to scams. The lack of accountability is transparency is unacceptable and raises raise a serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX a Cease and Desist letter dated XXXX XXXX, telling them to remove the negligent remarks they've put on my credit reports. Instead of taking heed to my request, they disrespectfully sent the entire letter back to me. XXXX does not get to harass and embarrass me. They need to follow the laws stated in us 1692j. I need to now how I can now be remedied since they have failed to comply? CFPB, please provide feedback as to how they will be reprimanded?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a medical debt on my credit report, as it is a clear violation of the recent amendments to Regulation V under the Fair Credit Reporting Act ( FCRA ). The CFPB 's final rule in XX/XX/XXXX prohibits the inclusion of medical bills on consumer credit reports. Therefore, this information must be immediately removed. 

Details of the Disputed Item : Creditor Name : XXXX and XXXX XXXX XXXX  Account Number : XXXX Date of Medical Debt : XX/XX/XXXX Amount : {$950.00} According to the amendments to Regulation V finalized by the CFPB in XX/XX/XXXX, medical debts can no longer be included on consumer credit reports. The amendment was specifically designed to prevent medical bills from unfairly affecting consumers ' creditworthiness. 
By continuing to report this medical debt, your agency is not only violating the Fair Credit Reporting Act ( FCRA ) but also the updated Regulation V requirements. 
Requested Action : I respectfully request that you : XXXX. Immediately remove the medical debt from my credit report in compliance with Regulation V as amended. 
XXXX. Conduct a reinvestigation of this account and provide a written response confirming the deletion of the disputed information. 
XXXX. Send me an updated copy of my credit report reflecting these changes. 

Please consider this letter as a formal dispute under the FCRA and the updated Regulation V. I expect a response within the XXXX period as required by law.
Product: Credit reporting or other personal consumer reports

When checking my credit report to buy a home, I saw One Main Financial listed. I called them to request a 1099c because the debt showed as charged-off and written off for {$6600.00} on both my and cosigner credit reports back in XX/XX/XXXX. However, it also strangely showed an updated balance of {$7400.00} as of XX/XX/XXXX. 

I asked the One Main representative to explain why they were reporting the debt this contradictory way when she stated it was not written off. The rep claimed it was not actually written off again, despite what the credit reports stated. I requested the 1099-C cancellation of debt form they should have sent me. The rep backtracked and said no 1099-C was available because the debt wasn't written off after all.

This confused me, since they seemed to be reporting it as written off while still trying to collect on it from me and the primary borrower. The rep told me to contact law office who now has loan, admitting she couldn't properly answer my questions. 
I'm very concerned One Main is being intentionally misleading and evasive about this debt they claim is not written off but reported that way. I'm seeking clear answers on why they are reporting and collecting on it contradictorily from 2 people as well as stating written off, which means it was filled on there taxes without sending me a 1099c form. According to the FCRA they are in violation as well as credit bureaus for reporting non verified information on my credit report. A written off or charged off account is a loss and is closed to any future charges. 
One Main Financial is reporting this account as charged-off and written off on my credit report, indicating they have canceled the debt. However, they are now suing me to collect on this same account. This contradictory reporting is inaccurate and violates provisions of the FCRA relating to consumer credit reporting rights. I formally dispute this misleading account information and request a full investigation and correction with deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate NCA {$310.00} NCA {$480.00} NCA {$370.00} I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Thank you for your time and help in this matter.
Product: Credit card

On XX/XX/2023 I woke up to emails saying my discover card was charged for XXXX separate hotels in the country of XXXX. The hotels were booked for the same day. Check in on XX/XX/2023. I called discover card and reported the fraudulent charges. They told me they are taking care of everything and reversed the charges, canceled the card, and sent me a new card. They advised I call XXXX, the travel company that the scammers used to book the hotels using my discover card. I called XXXX and they said since it was less than 24 hours to check in that they could not cancel and that I would owe the full amount even though the charges were not made by me and were fraud. I called discover back to explain what XXXX had said. The representative at discover told me not to worry and that since they reversed the charges and canceled the card that XXXX couldnt charge me for it. Now 3 months later discover added the charges to my new card and refuses to remove them and said I owe them for the XXXX hotels that were fraudulently made in another country. I have asked to speak to a supervisor numerous times and have yet to reach one.
Product: Credit card or prepaid card

I made a XXXX payment on XX/XX/2018 for month of XXXX and on XX/XX/2018 they took it upon themselves to take out XXXX in which it bounce my checking account XXXX and the XXXX payment was not due to XXXX therefore becoming an unauthorized transaction, I had called them and refunded the XXXX payment and was told to submit bank showing insufficient fee and faxed them twice, and then they told me it wasnt their fault and will not reimburse me, now it cost me XXXX extra because i had to go to XXXX and faxed this to them so now i am out XXXX for their XXXX, if it wasnt their fault, then why they reimburse me the XXXX they took out, because i turned around and gave back them that same XXXX in XXXX for XXXX so i am asking for immediate action on this, they took out an unauthorized transaction and they will not refund my XXXX insufficient fee.
Product: Credit reporting or other personal consumer reports

In XXXX, I received numerous notifications from XXXX XXXX informing me that my credit had been ran by several businesses for auto finance. I did not request or complete any documentation for this. All of the inquires are below with dates. 

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX Flagship Credit 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

This company violated my rights per the Fair Credit Reporting Acts- 15 U.S.C . Secs. 16811681x., 15 U.S.C . Sec. 1601 et seq., Pub. L. No. 108-159, 117 Stat. 1952.

I have never conducted business with them. I am not liable for this debt with them and I do not have a contract with them at all. They did not even provide me with the original application like I requested several times ( 5 ) now. I did not give them written permission either to report this to any credit bureau or add to my credit report. All I ever received was a generic email stating that this account has been verified and I asked how? No response ever given due to it being a generic email that they send to all their customers. I even called on yesterday to get this item removed and was told it could not be removed after being on the phone with them for almost XXXX hours trying to reach a real person. I was transferred to almost every department in the company instead of the right one I requested, which was the fraud department. I think they use this tactic also just to get the consumer to just hang up and say forget it. This is not right at all to us because some of us are trying to buy a house, a car and even get a job that relies on you having good credit. The account and information is listed below. 

XXXX XXXX XXXX  Original creditor : XXXXXXXX XXXX XXXX  Balance details 0 % paid off Balance {$5700.00} Balance updated XX/XX/XXXX Original balance {$5600.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department
Product: Debt collection

I contacted XXXX on multiple occasions to resolve this issue that they sold an account with my name and social to a debt recovery agency and the account was never mines to begin with. I have had XXXX service for the last six years. My identity was stolen some years ago and multiple accounts were opened under my name i.e. Credit cards and and phone services. All the companies resolved the issues by removing the accounts and erasing the fraudulent accounts. XXXX however continues to tell me this debt is mine and wo n't remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and 1 of the companies that this occurred with was XXXX XXXX , XXXX . I had a hard inquiry appear on my credit report from them. I had never contacted, applied, or even heard of XXXX XXXX prior to this. I filled out their forms they sent me to have this removed. I also followed up with a letter that the FTC identity theft website generated but still have yet to have the hard inquiry removed from my credit report.
Product: Debt collection

I have received a judgment against me for multiple accounts in collections from medical bills from a non profit hospital over the course of 5 years. At the times several of these services were provided, I had received a statement of financial charity from the non profit hospital releasing me from financial obligation for these services. These accounts are not only listed on this judgment but on my credit reports as well. In addition to the accounts that were forgiven, there are other accounts listed both on the judgment and on my credit reports for accounts that have been paid on, with receipts I still have showing the accounts have been paid. On XX/XX/XXXX, I received my paycheck from my employer and discovered a wage garnishment. I had no prior knowledge of this garnishment, or who to contact regarding any type of exemption or garnishment adjustment. I am the sole provider of my family and currently have an arrangement with another collection agency regarding a debt incurred by my husband. Between the surprise garnishment and the payment plan I had previously entered, my total wages taken from each month equal my rent and almost half of my income. This has created a significant hardship for my family and I do not have any contact information for the creditor who has taken legal action against me from a non profit hospital in the attempt that I could make an arrangement that would not force me to levy my other bills and obligations in order to satisfy one I have already paid and other debts that had previously been forgiven.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to the credit bureau disputing items on my credit report that were inaccurate. To date, I have not received any response in regards to my dispute. To my understanding, by law the bureau has 30 days to investigate my disputes and provide a response or the items have to be deleted. I thought I would have received a response by now because it has been over 45 days since my initial dispute, but that is not the case.Before submitting this complaint I sent a second letter demanding a response because I need to get these disputes resolved immediately. This process has been aggravating and I feel like I am being ignored because all the items I disputed are still on my credit report.
Product: Debt collection

Get multiple daily calls from Portfolio Recovery for debt that I dont owe. Have asked repeatedly to stop calling.
Product: Debt collection

A third party contacted this debt collector ( Hunter Warfield ) on XXXX XXXX, 2015 by telephone at XXXX about my account. The employee at Hunter Warfield, who identified himself as XXXX, did not ask the caller to identify themself and assumed they were me ( the account holder ). XXXX discussed the amount I owe and threatened to report my debt as unpaid to credit reporting agencies based on his conversation with this person.
Product: Money transfer, virtual currency, or money service

Using XXXX shopping on XXXX XXXX I purchased a shower rod kit at {$39.00} + {$4.00} for shipping from seller XXXX. 

On XXXX XX/XX/2020 at XXXX I received a shipment email from paypal that item had shipped with a UPS tracking number XXXX. I noted on this e-mail that the shipping wasn't listed separately but the total was the same {$44.00}. This should have shipped to my address which is XXXX XXXX XXXX, XXXX XXXX, AL XXXX. XXXX XXXX I checked on XXXX and noted the package was shipped XXXX XXXX at XXXX a from OH and was delivered XXXX XXXX at XXXX. I checked UPS proof of delivery and it stated delivered to Spanish fort location front door, there were no other details about my address on the proof of delivery. No package was found. I checked my video recordings at this time and nobody was at the front of my house. I submitted a claim with XXXX thinking they had delivered to the wrong address, they sent me a document showing the package had been delivered to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  al XXXX. I looked this address up and it's 5 -6 miles from my house. I also noted the package weight in XXXX tracking was 0.2 lbs which would have been 50 times lighter than what was expected which aroused my suspicion. XXXX also informed me that the shipper XXXX was an XXXX account which was confusing as I purchased on XXXX XXXX I emailed the seller at this time with no response and several times later with no response Because I used guest checkout for paypal I found it very difficult to open a dispute with paypal but eventually did I talked with an agent and explained the package was delivered to another address and was lighter than I would have expected and that I had proof from XXXX of this. She said she would open the dispute XXXX XX/XX/2020 and allow seller to respond by XXXX XX/XX/2020. I was sent a copy of the dispute on XXXX and then another on XXXX saying they were reviewing the case and would update me. Later that day I received a request denied saying they had received shipment tracking from the merchant that the merchandise was delivered. They did not state where it was delivered. This really frustrated me because of all the information I had provided showed this was obvious fraud and they had still backed this seller. XXXX shopping and pay pal are complicit in this fraud by allowing this to continue. I have since found out that this happens to quite a few based on the cases I reviewed on CFPB. Initially I had assumed they were shipping an empty box to the same zip code and using the proof of delivery which XXXX ground does not provide exact address information to fool paypal ( shame on you for allowing this to happen again and again ) I am no investigator but figured out pretty quickly what was going on but even that was no enough for pay pal. On further research they are using valid tracking numbers to obtain proof of delivery to your city which it seems is all pay pal requires.I have since uploaded the XXXX proof to the ticket on pay pal and have asked them to reopen the dispute but as of yet have not heard anything
Product: Student loan

I have had been a Navient student loan customer since XX/XX/2013. My total amount that I supposedly owe is through the roof. I called them several times to see if I qualified for loan forgiveness an they told me I had to make 6 months to a year worth of payments. I thought that was wrong so I called consolidating program an they told me that they have my loan on lock down because Navient was being sued. I didnt think it was fair for me to suffer to pay when them getting sued isnt my fault. Im asking this could I please have help with this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is trying to collect a debt that I do not know about, and have no knowledge of.They have been harassing me and I do not owe this debt.

According to 15 U.S.C 1692c ( c ) If a consumer notifies a debt collector that a consumer refuses to pay a debt, the debt collector must cease all calls. I am NOT RESPONSIBLE for the following debts that I have been getting harassed about. I have absolutely ZERO knowledge of this. It was opened without my consent or knowledge. 

XXXX XXXX Account Number XXXX Opened XX/XX/year> Amount owed {$110.00}
Product: Credit reporting

In XX/XX/XXXX I was a victim of identity theft. I have submitted police reports and affidavit aas required by Equifax. Their is a tax lien that I do n't recognize and accounts from XXXX that I never opened and were referenced in my affidavit that was mailed and received by them. They acknowledged receipt in XX/XX/XXXX of items received and even put a XXXX year security freeze on my report automatically. I checked my report last month and the items are showing again. Per law they have to notify me if they put the items back on which they did not. I disputed the items and referenced my affidavit and police report which thye have XXXX file and they refuse to block them. This is now damaging me credit wise. XXXX and XXXX both researched and blocked the items due to the ID theft.
Product: Debt collection

In XXXX 2017, I was in credit card debt and could not pay my monthly expenses plus the household bills. I enrolled in a debt relief program with XXXX XXXX XXXX and they took all of my outstanding debt and are helping me resolve/satisfy with my creditors. I sent written notices to all of my creditors indicating that they are to contact XXXX XXXX XXXX and provided their address and phone number regarding the outstanding debt. 
My credit card with XXXX XXXX XXXX was one of the accounts in the program. They use Admin Recovery LLC as their collection agency. Numerous calls and most recently yesterday XX/X/17 they contacted my XXXX sister looking for me and also my nephew on his cell phone. How is this legal that these companies can contact family members with my personal business that I do n't want anyone to know about??? The phone calls are borderline harassment and I just left a detailed message for the contact person at Admin Recovery XXXX and advised to no longer contact my family members or myself and they need to reach out directly to XXXX XXXX XXXX and provided their contact information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$320.00} XXXX XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$2600.00} XXXX XXXX  XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00}