23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a XXXX claim on my account that is also under XXXX so with two different different amounts, so Im not sure why and how both are on my credit when I filed a XXXX XXXX # XXXX claim. I became ill. Had XXXX went off work on XXXX and open this claim that was supposed to protect me and keep my account up-to-date. If you look at the statements, you will see that I paid for the safe line account protection every single month.
Product: Credit card

XXXX XX/XX/XXXX I reported a fraudulent charge for an XXXX  subscription on my VISA credit card to XXXX XXXXComenity/Bread Financial . They took care of the fraudulent charge and issued a new card and number. 
XXXX XX/XX/XXXX the fraudulent charge happened again. Exactly as explained above. The CSR that I spoke to at Comenity told me that thats just the way a reoccurring charge works. I asked how could a reoccurring charge happen again when all credit cards were canceled and re-issued with new numbers. She explained to me that is how she experiences these things. I explained to her that if I miss a letter or number on any credit purchase the system kicks it back and wont let me complete the purchase. 
Which person is correct? Myself or Comenity Bank CSR. 
I have had too many fraudulent charges, canceled cards, re-issued cards through Visa, XXXX XXXX Comenity, and Bread Financial. Something is going on within one of those companies, and each points me towards the other. it seems to me that I have been contacting the fraud department at Comenity every time. That is the phone number I have. That is who I am directed to call by the other two entities. I believe Comenity is allowing fraud perpetrators to use mine and others credit card information for purchases. Its either unknowingly or within their company. 
I think everyone should be on the same page and by filing this report I hope theres a better understanding. It is my prerogative to change credit card companies I understand, so I have locked all my credit cards and in the process of looking at other companies.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( FTC Complaint Number ), filed on ( FTC Complaint Date ). 

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Consumer Loan

On XXXX XXXX, I contacted AC AutoPay to request a voluntary surrender because it was costing me more to fix different issues with the vehicle than it is actually worth and I could n't afford to keep fixing everything and make the monthly payments. I was told by the representative that the request would be reviewed and I 'd be contacted when a decision was made. On XXXX XXXX, the company contacted me to do a collection call. When I asked about the voluntary surrender I was told that the request had been reviewed that XXXX and they decided not to come pick the vehicle up, that they had abandoned interest. When I asked why no one had contacted me to let me know. I was told they did n't have to. I called back later in the day to request the decision in writing and was told that they do n't provide things like that in writing. I asked to speak with a supervisor. When the supervisor came on the line, he advised that they do n't provide their decisions in writing and hung up on me. A few weeks later, a rep called me to complete a collection call and I advised him that I had no intentions of paying anything else and that I wanted them to come pick up the vehicle. Since that, I 've had to demand that they stop calling my work phone and block them from both my home and cell phones. Then blocking on my cell phone does not stop them from leaving voicemails and they call multiple times a day leaving voicemails where they do n't say anything, just a minute or more of background noise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to RentDEBT regarding a collections account they placed on my credit report asking them to validate the debt. In response I received a detailed bill and a " copy '' of a lease that was allegedly signed by me. The information they sent me did not include a copy of my ID or drivers license and the signature is not mines however this company continues to report the tradeline to the 3 major credit bureaus. This is creating major issues for me such as job declines, higher interest rates, lower credit scores, and application rejects for balances owed. I believe this account DOES NOT belong to me, under the Fair Credit Reporting Act all unverified accounts must be deleted. I contacted the apartment complex ( XXXX XXXX ) directly which they advised they don't have any information pertaining to previous residents. The only information I received from RentDebt was a detailed bill and a copy of a lease that I allegedly signed which I DID NOT. These items do not qualify as full verification per FCRA. This company is in violation for continuing to verify the accounts with the credit bureaus without providing the proper evidence as requested. A fraud alert has been on my credit report due to my identity being stolen, so a copy of my ID or drivers license should be on file for verification purposes, and none was sent with the information RentDebt sent me. They are major discrepancies which this company is intentionally ignoring and the law is clear as to civil liability and remedies available to me ( section 616 & 617 ) if you fail to comply with Federal law. I am a litigious consumer and fully intend on pursing litigation in the matter to enforce my rights under FCRA.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with LVNV FUNDING LLC. LVNV FUNDING LLC is furnishing inaccurate and incorrect information to the consumer reporting agencies. XXXX XXXX XXXX : Account # XXXX ( Balance : {$730.00} ) XXXX  XXXX : 15 U.S. Code 1681 s2 states 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. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of Law 15 USC 1681 s-2 of their responsibilities as a furnisher of information. They have caused me and my family severe harm due to their negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account ( s ) from my Consumer Report.
Product: Checking or savings account

Wells Fargo Branch at XXXX XXXX XXXX XXXX XXXX, CA XXXX made a huge error that they refuse to rectify. I opened a checking and savings account ( with a large amount of money ) and a credit card. After the accounts were opened and the credit card had been applied for I got a call from someone from Wells Fargo Credit services, asking me if I had applied for a credit card. They called me XXXX XXXX. My name is not XXXX XXXX. It is XXXX XXXX XXXX. I got so nervous that someone would have access to my accounts. I called someone from the Wells Fargo Executive team and they said they would call me back in 24 hours with a resolution. Nobody from Wells Fargo called me back. So I went into the branch to try and fix this situation and the Branch Manager there XXXX XXXX was very rude, disrespectful, and not helpful. I wanted to close my accounts because I am nervous with the way they got my name wrong on the credit application. My credit is very important to me. With the current reputation that Wells Fargo has I would think they would want to help fix their error. I was able to close my checking account today 2 business days later. But Wells Fargo is still holding {$20000.00} in my Savings account that I was trying to close. The funds have cleared my XXXX XXXX & our now at Wells Fargo. The Branch Manager XXXX XXXX was so rude, and unprofessional. I was offended that the Branch manager was talking down to be and not willing to fix their error. He also indicated that he can not confirm if the check cleared or not and/or can not confirm i.e. " I would not know how to confirm that. '' This is absurd to me that a branch manager as he was represented to me did not know how to confirm and/or can confirm such a basic info. Wells Fargo still holds my funds that was cleared from my own personal account at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regions Bank has been told that this XXXXthe Regions bank on XXXX XXXX in XXXX XXXX Fl the money was given to a teller named XXXX. This debt was paid in full this is the last change to remove this from my credit reports before I sue the reporting companies and Regions Bank
Product: Student loan

An agreement was found with XXXX for my student loans, an amount of {$41000.00}, in XX/XX/XXXX, where it was concluded to pay {$180.00} per month for ten years. The remained balance, from what they told me, would be considered as taxable income. The payments were scheduled to start on XX/XX/XXXX.
However, on XX/XX/XXXX, at XXXX XXXX, a call was received from XXXX XXXX, at ( XXXX ) XXXX, stating she is from XXXX XXXX which is a XXXX representative, and they work for XXXX XXXX. She switched the call to another person who sent me a link to verify whether all information is correct. Every time she asked me to click on a button, I saw my name. When I ask why my name is there? She replied this the new form used by XXXX now. I said stop, let me read, she said no, I will leave you a copy.
The bottom line, she never told me that my loans are going to be serviced by another institution called Navient.
Finally, I said let 's stop there, I have to talk to XXXX.
The business day, XX/XX/XXXX, XXXX was contacted and their response was : we are dealing with any company called XXXX, beware of scams.
The same day, XX/XX/XXXX, XXXX was called, no one answered. On the XX/XX/XXXX, I called again and left a message with a man named XXXX, asking him to tell XXXX to cancel everything that has been done the night of XX/XX/XXXX, .OnXX/XX/XXXX, XXXX  was contacted again, no response.. Immediately, I shoot an email to XXXX XXXX at : XXXX. A copy is attached.
Two weeks after, XXXX XXXX called me to confirm that everything has been cancelled. She even told me that the plan I have with XXXX to pay half, the balance will be a taxable income for you. And I replied : I do n't care, that 's what I want.
I sent a letter to XXXX about the fraudulent crime, explaining how XXXX XXXX has been used by Navient to collect student loans information in a scam way. A copy is attached.
About one month later, a letter was received from Navient, congratulating me, while stating : your loans have been processed. Immediately I sent a letter, urging them to reverse this loan. Three letters have been sent to them, they still disregard me. Copy of one of the letters is attached.
Product: Debt collection

I received a voicemail asking me to return a call, which I did. The person I spoke to told me that I owed outstanding hospital bills. Part of the bills have been paid and I am waiting for a settlement in the case to pay of the remaining XXXX expenses. My lawyer has been in contact with the hospital. 

The debt collector became very hostile and abusive as I tried to explain this and kept insisting that I had to pay. I ended the call because it was very upsetting to be yelled at. 

NCC Business Services is the name of the debt collector.
Product: Checking or savings account

I had a personal checking account opened with chase for many years One day they sent me a letter via mail stating that all of my accounts including credit cards will be closed at a certain date ( a few months later ) After calling them and speaking to managers I learned that the non compliance team made this decision And they wont disclose what the reason was This happened about 7 years ago Then a few years later I opened up a business account And about 1 year later they again closed my account Due to the fact that they realized that I had once been closed down by the non compliance team Once again I couldnt get any solid answer As to why they suddenly decided to close the account And how I could reopen a account without it getting closed automatically
Product: Bank account or service

I have a checking, saving and a credit card from Chase bank on XXXX XXXX XXXX in the morning Chase alerted me to a fraud attack on my check card XXXX charges. I called in XXXX that morning I find XXXX more, XXXX from the some company the other from another company on XXXX done XXXX in the morning. Chase took care of the charges, closed the account and ordered new cards great. Then I start seeing charges from the closed account on my new account so I called I was told that setup payments would still be made out of closed account on my new account. I mad and scared at the time, I told Chase this could happen he told no it could not boy was he wrong on a recorded line too, the people that have my card can setup payments if they like under different company names which my have happened on XXXX for {$49.00} XXXX cleverbridge. My husband or myself did not order it so I have to now have my new account closed again and reopened yet again. Another person that would stop in a couple of days two weeks it is still happening.. I have XXXX more charges from my old account on my new account. Now on what they have done to with our checking. We had a scam/fraud company playing with my husband 's federal student loans that they did not do anything with. We payed them XXXX payments of {$230.00} each XXXX in XXXX, XXXX in XXXX. We were told by the student loan people to be charge backs the bank stated they could not help us it was not 90 days old. If they treat us this way how many others have they treated this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 3 rounds of dispute letters to all 3 major credit bureaus disputing the information of a bankruptcy showing up on my credit reports. They keep coming back verified. 

The court house has already confirmed they do not release information of the public record to third parties like the credit bureaus. 
The information need to be verified via XXXX XXXX. 

I have placed a security freeze on my XXXX XXXX files effective XX/XX/2018. 

However the credit bureaus continue to say they have verified the information which is impossible! They also have not been able to furnish an original signature of the public record because it does not exist. 

Please help get this corrected. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Took out and paid off student loan in XXXX but keeps appearing on credit report every few years as unpaid by US dept of education in the amounts of both {$3700.00} & {$2100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A, States I have the right to privacy 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Received a collection notice and a report on my credit reports regarding a debt from FH CANN & ASSOCIATES INC. I am XXXX XXXX XXXX and do not owe a debt to this company or a XXXX XXXX. I do not know who these companies are.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting

i have XXXX hard inquiries on my credit report from XXXX company that i never applied for and im having a hard time getting these inquires as the credit bureaus are giving me a hard time about removing them
Product: Money transfer, virtual currency, or money service

I am expressing my concerns due to seller handling of disputes particularly in light of the CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, Zelle and my financial institution has failed to investigate my claims properly. They informed me that recovering lost funds was impossible and tracking the transaction was unfortunately unfeasible. The CFBB findings indicate that Zelle has neglected to protect consumers and also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. As a business the lack of transparency and consumer protection is concerning and raises serious questions about consumer safety.
Product: Debt collection

Bonneville Collections has failed to validate and verify the acocunt, show that they have authority or a chain of command to even collect on the account, or provide an original contract to me showing I even owe this alleged debt. This is a violation of 15 USC 1692c ( c ) " IF A CONSUMER NOTIFIES A DEBT COLLECTOR THAT THE CONSUMER REFUSES TO PAY A DEBT, THE DEBT COLLECTOR MUST CEASE ALL COMMUNICATIONS. '' - By Continuing to report this negative and inaccurate information on my credit report is defamation, violation of the fair debt collection practices act, impermissible collection practices. You are ruining my reputation by reporting this inaccurate, and negative information which is also a violation of 15 USC 1692 ( d ) " ( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce. '' and 15 USC 1692d ( 2 ) " ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. " .If Bonneville Collections continues to report false and inaccurate information, violating the FDCPA, I will have to take legal action against them for their impermissible collection practices.
Product: Credit reporting or other personal consumer reports

This account was reported as " charged off '' to all three credit bureaus, but I have not received a 1099C from XXXX.
Product: Debt collection

I signed a lease for 1 year for a family member who had an emergency around XX/XX/XXXX. I informed the business that it was only for XXXX year and I was not renewing the lease. I contacted them XX/XX/XXXX to confirm the leasing information and after it was confirmed that the lease was ending there was no further communication. Nonetheless, the lease was continued without my authorization nor my approval. Even on their agreement they provided it shows a license that was expiring in XX/XX/XXXX and I never gave them the updated license because I never renewed a lease. All amounts were paid by the family member including up until some time in XX/XX/XXXX or XX/XX/XXXX according to them. The business never contacted me by phone, email, or mail even though they had all the information to inform me of any status if I was the lessee. They are attempting to illegally put my name on the lease for dates and times that I was not the lessee. The collections company sent me a letter in which I responded and was able to speak with a representative name XXXX at a company called QAR who also confirmed that they are not able to provide any information demonstrating that I was the lessee after the lease ended in XXXX. 

- I did not receive any further communication in regards to this agreement after giving them notice of ending the lease in XX/XX/XXXX. 
- The first communication I received was around XX/XX/XXXX about a collections attempt from QAR in reference to money owed to XXXX XXXX XXXX. 
- I responded to them via certified mail on XX/XX/XXXX explaining that this is not my debt and asked for them to provided documentation. 
- QAR responded around XX/XX/XXXX with information of a lease agreement from XXXX and was unable to provide any other information. 
- I spoke with XXXX from QAR and he said that XXXX XXXX XXXX does not have any other information to verify the debt nor do they have my valid driver license after it expired because I never renewed the lease with them.
Product: Checking or savings account

On XX/XX/2018 I arrived to my XXXX in XXXX XXXX ( confirmation code HMR XXXX XXXX ) The place was absolutely disgusting and unsafe. 

I communicated with XXXX and also my bank to help file a claim. 
We did not stay for even 24 hours. 

Fifth Third bank instructed me to NOT SPEAK to XXXX further, that their " resolution team '' would handle XXXX. The 5/3 representative assured me I had nothing to worry about. I explained the situation THOROUGHLY to the agent. She said to sent her photos, correspondence and well as phone records etc. I did so. 

In, my opinion after 5/3 bank realized I was not a XXXX XXXX dollar customer, they did not bother to work on my behalf. 

I was issued a provisional credit as I did not receive the service that was charged on my card. 

Sometime later, Fifth Third bank decided that I was at fault for the matter. The agent asked me if I HAD reached out further to Airbnb ( I was told not to do so ). 

The final resolution was that I needed to resolve the matter on my own. I would have done so, however, I was instructed otherwise.