23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Central Portfolio Control of XXXX MN sent me a letter supposedly dated on XX/XX/XXXX, but which I only received today ( USPS standard for first class mail delivery is 5 days ), in which the included the following sentence : " As required by law you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. '' This threat is false and or illegal. As of XX/XX/2022, medical debt less than {$500.00} is NOT REPORTABLE by the credit bureaus. Accordingly threatening to damage my credit using a method that is no longer possible is a false, misleading or potentially fraudulent collection tactic. 

The debt in questions, which I do not recognize as legitimate and have been disputing for years, is medical debt ( hosptial charges ) in the amount of approximately {$210.00}. Central has provided no original documentation to backup their claim, which I vigorously dispute.
Product: Checking or savings account

Greetings to whom may concern ... I recently had my account seized for child support payments. I know you do not give legal advice, but my complaint comes from an USAA employee, XXXX XXXX, willfully released my information ( SSN, drivers license, address, and my full account to my checking and savings ( which also by laws states they can't go into your savings only your checking ) to the Texaschild support agency without my acknowledgement on XX/XX/2019. My accounts were frozen on the XX/XX/2019, because of such an act I have been living off of XXXX XXXX bucks for two weeks. They didn't even notify me of such illegal practices..yet The bank, USAA website states XXXX we don't sell your information '' " your information is confidential. Yet they violated my rights under Title 42 USC Chapter 7 408 ( a ) ( 1 ) social security disclosure is a felony ... under Privacy Act of 1974 ( 5 USC 552 sect. 7 ( a ) states " it shall be unlawful for any Federal, State or, local government agency to deny any individual any rights benefit or privilege by laws because of such individual refusal to disclose his social security number '' And also violation of " 42 USC 1983 under the color of law '' I will also be applying a letter to the CEO of the company and hopefully resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I filed a dispute with my bank Chase, after the date of XX/XX/XXXX, because XXXX overcharged me for a ride that they did not show proof nor was it accurate. My bank came back on XX/XX/2020, and they reversed this charge for {$44.00}, and XXXX has not shown me proof or shown my bank proof that this is accurate charged amount, and so I'm being charged an extra incorrect {$44.00} amount, and there has been no remedy, no correction, and this is inaccurate by XXXX, and Chase should be properly handling this, but they aren't, and so I have not gotten a notice. The original ride that I was supposed to be charged for by XXXX was supposed to be {$23.00}, which the extra {$44.00} is incorrect, making the ride {$68.00}, the original ride for XXXX was originally {$23.00} dollars, but Chase has not gotten any proof or correction from XXXX, and I have not either. There has been no follow up, and this issue has not been properly resolved with my bank, Chase, and XXXX, and so I would like to please ask for your assistance, will you help me in this matter? Thanks.
Product: Debt collection

PROFESSIONAL PLACEMENT Account XXXX I asked this company to provide proof of the Account and they have refused to. I have multiples accounts reported wrongly by them. They should removed that from my credit report and not to sell the account to another Collection Agency. I worked in collection a long time ago and I know how they operate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or before XX/XX/2021, On or before XX/XX/2021, On or before XX/XX/2021 I have contacted the credit bureaus in regards to accounts that do not belong to me. I am a victim of id theft, I am a victim of credit fraud, I have mailed in sever id theft reports to the credit bureaus and to no avail. The following accounts are identity theft accounts and shall be removed at once. 

1. XXXX XXXX 2. Account name unknown 3. XXXX  XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX student loans 7. Any and all Inquiries within the last 2 years 8. Any and all addresses within the last 2 years 9. Any and all names that do not match my legal name 10. Any and all telephone number. 11. Online information systems I hereby grant and give permission to the consumer finance protection to act and submit this information on my behalf to the credit bureaus. Any and all collection accounts listed in the report all collection accounts in the report. I hereby demand they be deleted and removed at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the XXXX credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXXXXXX 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each item is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report in XXXX and it shows that 5 credit inquiries were done fraudulently under my name by XXXX XXXX on XX/XX/XXXX. This isn't the 1st time my credit is impacted by fraudulent activity. I was a victim of identity theft in XXXX.
Product: Credit reporting or other personal consumer reports

Duty pursuant to the FCRA, it is EQUIFAXs to be reporting correct and accurate information on my credit report and file, however they are NOT. EQUIFAX is reporting 1 inaccurate late payment for the XXXX XXXXXXXX XXXX XXXX accounXXXX XXXX XXXXn XXXX. This includes a 30 day late payment posted in XX/XX/year>. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report as I am a victim of a recent data breach and identity theft. This incident has resulted in unauthorized accounts and inquiries, negatively impacting my credit standing.

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ), I am entitled to request that fraudulent information related to identity theft be blocked from my credit report.

To support my claim, I have included copies of the necessary documentation, including my FTC Identity Theft Affidavit and an official police report.
Product: Bank account or service

after receiving notice of an impending direct deposit in my name on XXXX XXXX 2016, capitalone bank then accepts a deposit intended for me, but had already closed my account. causing me financial hardship. and not immediately returning the deposit to the ssa.gov. i wish to file a complaint with your offices, and receive financial resitution from this bank for the hardship they cause to me and my family with their reckless actions.
Product: Money transfer, virtual currency, or money service

I XXXX XXXX am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Checking or savings account

On XX/XX/XXXX I deposited {$3400.00} in cash ( XXXX {$100.00} bills ) at a Chase ATM in XXXX, AZ. During the transaction the machine jammed and I received a " receipt '' stating " This device has experienced a technical problem '' without any record of the amount. I hand wrote the amount on the top of this receipt and immediately called the bank. Chase issued me a {$3400.00} credit while they " investigated. '' On XX/XX/XXXX they reversed the credit saying " there was no ATM error. '' After providing the receipt, they then admitted there had been an error, but that their ATM team found the machine to be " in balance. '' They refused to issue another credit pending a second level review and put my account into an overdrawn status. This has resulted in missed payments and I 'm now suffering adverse impacts to my credit.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX # XXXX Account name : XXXX, # XXXX Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX  # XXXX Account name : 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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: Mortgage

I do not have any confidence in PNC Bank to properly apply my monthly mortgage payments in a timely manner. 

I've had numerous problems with PNC Bank properly applying my loan payments in a timely manner. Often I have to call them to have them apply my principal. If I do not call them the money sits in the account without properlu being applied to my mortgage payments. This has gone on for many months despite escalating this issue with PNC they do not resolve my account. 

Thank you
Product: Credit reporting or other personal consumer reports

Fraudulent information reporting to my credit report. FTC submitted requesting validation verification, & removal to the companies following investigation. Accounts were not validated nor verified. According to the FDCPA & FCRA everything reporting to my credit file must be 100 percent accurate across all reports. Inquires connected to the accounts were removed however not accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The XXXX under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality XXXX XXXX XXXX XXXX. 

XXXX. XXXX XXXX XXXX Bank Account # XXXX - Have disputed multiply times with all XXXX XXXX Equifax and XXXX. Equifax could NOT verify the account and deleted it. This account is also marked as closed but is still reporting a balance of {$510.00} XXXX nor XXXX failed to properly investigate this matter. Delete this account IMMEDIATELY!!! 

XXXX. XXXX XXXX XXXX Account # XXXX Have disputed multiply times with all XXXX, Equifax and XXXX. Equifax XXXX XXXX could NOT verify the account and deleted it. This account is still reporting a balance of {$850.00} and is reporting as an open collection. 
XXXX failed to properly investigate this matter. Delete this account IMMEDIATELY!!! 


XXXX. XXXX XXXX XXXX Account # XXXX - Have disputed multiply times with all XXXX, Equifax and XXXX. XXXX XXXX XXXX could NOT verify this account and deleted it. This account is also marked as closed but is still reporting a balance of {$1100.00} Equifax failed to properly investigate this matter. Delete this account IMMEDIATELY!!! 


XXXX. XXXX XXXX XXXX Account # XXXX - Have disputed multiply times with all XXXX, Equifax and XXXX. XXXX & XXXX could NOT verify the account and deleted it. This account is also marked as closed but is still reporting a balance of {$110.00} and a past due balance of {$110.00} Equifax failed to properly investigate this matter. Delete this account IMMEDIATELY!!! 


XXXX. XXXX XXXX Account # XXXX - Have disputed multiply times with all XXXX, Equifax and XXXX. Equifax XXXX XXXX could NOT verify the account and deleted it. The last time the status of this account was updated was XX/XX/XXXX. Its XXXX of XXXX and XXXX failed to properly investigate this matter. Delete this account IMMEDIATELY!!! 



AND I also have NEVER worked at XXXX XXXX nor XXXX XXXX I work for XXXX & XXXX Carriers AND The following inquiries XXXX XXXXXXXX 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 an account without my written instructions Delete these accounts immediately, unless you want to be held {$1000.00} per violation. 

I have also mailed letters to the FCDPA and XXXX and each creditor and each credit bureau. This is not fair.
Product: Money transfer, virtual currency, or money service

My cash app account was compromised on XX/XX/2024 between the hours of XXXX to XXXX. Unauthorized charges totaling {$7400.00} was taken from my account. I have contacted the merchant where the charges were being paid to. i sent all the information which includes a list of all the transactions and the bank statement. I forward their email to Cash App for additional information that i was unable to provide. I still have not heard from Cash App nor XXXX. 
This have caused me a hardship financially and i had to borrow money to make up for the loss. 
Please investigate this issue and let me know if additional information is needed. 
thank you XXXX XXXX My cash app hastag is $ XXXX
Product: Debt collection

The company of XXXX XXXX XXXX is absolutely false and incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous items which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$130.00} XXXX XXXX  XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$240.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$280.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$110.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX & XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any item in the file of a consumer that the consumer identifies as items that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

Patenaude & Felix APC on behalf of Plaintiff XXXX XXXX, A Delaware Statutory Trust ( S ), submitted a lawsuit against me in an effort to collect on an alleged loan account that they claim was funded by XXXX.. I never had such a loan account. I did have a loan account through XXXX that was funded through XXXX aka XXXX aka XXXX. I contacted both XXXX, XXXXA. and XXXX. to find that no loan accounts with XXXX. that they reference in their law suit exists. The loan account number is illegitamate and does not even meet the character limit for account numbers at XXXX. Furthermore, XXXX. does not service private loans and only does checking accounts, savings & CD accounts, Auto loan accounts, Credit cards and Mortgage accounts. They do not offer personal loan accounts such as the one referenced. The Plaintiff has manufactured an illegitimate Loan Agreement and Note of Disclosure with XXXX as the creditor and myself as the borrower. THIS IS ILLEGAL and it 's been a terror to fight in a legal platform that I am uneducated in and do not have the financial ability to retain legal counsel to fight. Please assist.
Product: Debt collection

Company- XXXX/Equifax/XXXX- XXXX  XXXX XXXX XXXX. Account.XXXX   . XX/XX/2016.This Company has been on my credit report for the last couple of years and has ruined my credit. Please CFPB investigate this company thoroughly and have them remove this negative item from my credit report as soon as possible. Thank you
Product: Checking or savings account

i contacted CHASE regarding a fraudulent charge on my account. However CHASE refuses to look into this matter at all! We have been CHASE clients for 20 years and they don't want to provide necessary security and or investigate fraudulent charges on our account. I conference called CHASE with my husband on XX/XX/2019 and their Claims department that handles issues such as fraudulent or unauthorized charges didn't want to help us we don't understand why and they refuse to further speak with us about this problem. on XX/XX/2019 we spoke with XXXX working for CHASE located in the XXXX refused and caused immense emotional distress to my wife. This not believable that our own bank CHASE is helping these fraudulent charges occur i sincerely believe they are in genuine and unwilling to help us with this issue. The merchant that took the money is a hotel in XXXX, Arizona and we had disputes with them regarding charges from XX/XX/2019 that we contacted the hotel and they advised us to contest the charges and their owner would call us back, we never heard back until they ran our bank card information again on XX/XX/2019 which prompted us to contact CHASE right away.