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.

XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct XXXX XXXX XXXX & XXXX, XXXX XXXX  Acct # XXXXXXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX  XXXX Acct # XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 ( A ) Section 2 states a consumer reporting agency can not furnish accounts without my written instructions.

15 USC 1681c Section ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information including any other adverse item of information other than records of convictions of crimes which antedates the report by seven years.

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

I 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 was impossible and that tracking these funds was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also has allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns regarding consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested XXXX XXXX XXXX XXXX to fix my credit we have made payments on time and they are still showing missed credit payments
Product: Checking or savings account

The company is XXXX XXXX. There have been numerous charges to my debit card by them over the past few years ( most of which happened when I was under XXXX ), and I received an email to my personal email stating that my account was reopened when I never knew I had an account and never requested one. I checked my chase a day later and saw these transactions outgoing to fanduel which overdrafted my account significantly and after filing a claim Chase did not return my funds. 
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

This is my refilling and requesting for the reinvestigation to EQUIFAX was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC number XXXX.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Debt collection

XXXX - XXXX, XXXX calls me incessantly about a debt they purchased from Cavalry SPV I , LLC. I know Cavalary as a pending class action law suit as a result of their unethical attempts to collect debts via repeated phone calls even after the consumer requested not to be contacted any longer. The debt is nearly TWICE the age of the statute of limitations age - seven years here in SC. 

I 've asked on four different occasions in one week for them to cease contact. When you call their XXXX number you 're usually put on hold until some rude customer service representative answers. I was told that if I simply paid the debt, then they would stop calling. I informed XXXX reps that I was going to report them. 

One person hung up on me and one rep informed me that due to the age of the debt and law limits, their client, Cavalary, SPV I, LLC, will not sue me for the debt and will not report it to any credit reporting agency, but offered to settle the account for a one-time payment of {$630.00} if I provided a credit card via phone. Why on earth would I " settle '' a thirteen year old debt that continues to be sold for pennies on the dollar, if according to law I am no longer responsible for the debt? Then, that rep hung up on me as well. 

I also have a letter dated XXXX XXXX 2016 from XXXX XXXX , XXXX stating their client will not report it to any credit reporting agency and I can not be sued for the debt because of its age, yet they l continue to call repeatedly to collect a debt which is thirteen years old. 

I 've since blocked their number, but they continue to call.
Product: Checking or savings account

On XX/XX/2018 I noticed that funds moved from my savings ( {$3400.00} ) and my sons college saver accounts ( {$4500.00} XXXX to my checking account with Citizens Bank. I went to the branch and needed to close down all of my accounts and reopen them due to the suspicious activity. At that time, the only mechanism the bank used to protect me from fraud was to freeze my online banking and not allow me, the account holder, to access my accounts to monitor them. I had to call customer service every day to monitor my account since I could not view my accounts online and was very concerned about fraud. On XX/XX/XXXX a fraud check in the amount of {$760.00} posted to my checking account and the bank did nothing to prevent it when I reported suspicious activity. I spoke with Office of the Chairman XXXX XXXX and asked why my account was not monitored for fraud when I reported that {$7900.00} was transferred to my checking by a fraudster. She advised that when a fraud watch is warranted the bank will watch the accounts. However, I had reported fraud and the bank still allowed a fraud check with an INVALID routing number to post to my account. In the meantime, I had to open a new checking account and when my new checks arrived, the vendor sent them with 30 checks missing right in the middle of the check range. Where did they go? The day I became aware of the {$760.00} fraud check I demanded the funds be returned. The bank did return the funds with a provisional credit. However, today I became aware the bank had debited out the provisional credit on XX/XX/XXXX from my new checking account. This was a fraud check with an invalid routing number XXXX and my routing number is XXXX. How did this check pass through the bank in the first place with an invalid XXXX and why did they take the money back from me? Shouldn't an invalid routing number be a red flag not to process the check? I asked for Citizens to research how a fraudster managed to transfer {$4500.00} and {$3400.00} from my accounts and also asked them to monitor to my accounts to protect me. All the safety mechanisms that should be in place to protect me failed. And now they took back the funds a fraudster took from me. Citizens never should have allowed a fraud check to post with an invalid routing number AFTER I reported fraud on my account. I am demanding the funds be returned to my account. My bank never should have taken back the provisional credit. I have attached a copy of the fraud check. The original account that had fraud is XXXX and the new account they debited the provisional credit from is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are closed accounts that appears to still be on there
Product: Credit card or prepaid card

17 months ago, I went to XXXX XXXX to get my existing dentures replaced with new. What brought me there was a promotion they were advertising at the time, for 18 months interest free. The paperwork was completed in the office by the office manager on site then. The office manager assured me I was all set up and ready to go, payments dialed in, done. Not once did he say this was a credit card I was getting into. I tried to contact him at XXXXXXXX XXXX, but he is no longer in there employ. Short story, I left XXXX XXXX with new dentures trusting that everything was done. I even went paperless and set up auto pay with my bank at that time. So, I assumed all was done, I was good to go. I admit I didn't look at my statements. For me it was a onetime deal, my last dentures lasted me 20 years, figure these would make the rest of my life, thought it was only good for my approved dental procedure, nothing more. 

Fast forward. I knew I was approaching the end of my promotional period, and totally expected to see1 payment remaining on my balance. To my shock I had a balance of {$1900.00}. About 3/4 of the original balance. I contacted Synchrony, that's a feat in itself, and through a bunch of menus that did not pertain to my issue, I finally got to a " general manager ''. Who informed me it was my responsibility to go in and update my payment to the correct amount to pay the charge off in 18-months. I had no idea and was never told by XXXX XXXX XXXX office manager that this was a credit card, and the payment was set to the minimum amount due, not the minimum amount to pay the charge off in 18 months. The Synchrony general manager went so far as to instruct me on how to figure what my payment should be. Yeah, I get it, simple math, total amount divided by 18. I offered to pay off the full amount, as I know I owe that, I not trying to wiggle out of it, but I wanted them to extend my promotional period for another 18-months on the remaining balance. the first general manager I spoke to at Synchrony said they could not do anything about the account until the present promotion expired, and for me to check back then. At which time I understand I will be responsible for 26.99 % interest from Day 1 of the 18-month promotional period. The second manager at Synchrony didn't mention the expiration date having anything to do with modifying the plan, she instead offered me 1-month extension. At the time I was retired, a year short of getting on Medicare, on a fixed income, and without health insurance. 
Now before XX/XX/ 2023 I will have to come up with almost {$2000.00} or I will immediately be charged with almost {$1000.00} in interest. I feel they deceive people who fall into that category of no health insurance and fixed income. There should have been one payment only for that plan, not a minimum that would not satisfy the full amount in 18- months. Like the General manager said. " Total amount divided by 18 ''. At no time was I ever informed that I needed to go and change my payment to the correct amount, until I talked to Synchrony on Monday XXXX-2023
Product: Debt collection

Credit MGMT XXXX XXXX XXXX XXXX Tx, XXXX Date : XXXX Amount {$110.00} account NO. XXXX It was taken off my credit years ago, but it seem the company sells this account to someone else and put it back to my XXXX  report. I demand it off or we will file a claims action law suit.
Product: Credit reporting or other personal consumer reports

I sent Equifax my XXXX, ID, and a current bill that proves I'm the person sending the documents. The last certified mail I sent was on XX/XX/year> ( tracking number : XXXX XXXX ), which was received on the XXXX of XXXX. However, every time I call, they say they didn't receive my information. Since then, when I try to log into my account, I receive an NH code.
Product: Checking or savings account

I have a checking, savings and credit builder account with chime. I was transferring money from my XXXX XXXX XXXX XXXX  account to my chime account to take advantage of their 1.5 APY savings rate. I had been depositing XXXX dollars monthly from suncoast and had never had a problem. On XX/XX/XXXX, I unexpectedly received an email from chime that they had closed my checking, savings, and credit builder account. I then attempted to login to my chime account and it had already been deleted. I then called their customer service number to find out why all my accounts were closed, and also how to get my money back that was in my savings account. The representative on the phone told me that my account was not in compliance with the deposit account agreement, but did not give me a reason why and told me I needed to email chime directly to attempt to get my money back. I then spent the next couple of weeks emailing chime my personal information to verify my identity and documentation showing my history of deposits to chime from XXXX XXXX XXXX. On XX/XX/XXXX, I got an email from Chime informing me my account can not be re-opened. I never received any legal documentation or information from Chime giving a reason why they closed my account. After speaking on the phone with a representative after getting that email, They also said they are not going to refund my money that was in my savings account, which was around XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX from the Customer Authentication Department within XXXX XXXX XXXX  " If you believe you were a victim of identity theft that resulted in the inquiry and there is additional documentation, such as a copy of a police report, or a fraud or identity theft affidavit, please contact us at XXXX ( we accept relay calls ) ... '' When the number was called, options beyond faxing or printing ( not personally available to the consumer ) were not available. As such, the identity theft documentation is attached. 

The context is as follows : There is a new inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  without being able to verify my identity, that is, without my explicit permission nor having any other permissible purpose to do so. A copy of an example of a recent illegitimate hard inquiry performed by XXXX XXXX ( on XX/XX/2022 ) is attached for your reference.
Product: Vehicle loan or lease

On  XX/XX/XXXX  I returned a  Mazda CX 5  at end of lease term. Virginia title #  XXXX , last  4 digits of VIN  are  XXXX . Lease terminated on  XX/XX/XXXX . On  XX/XX/XXXX  I received a letter to pay a lease termination fee of {$610.00}. Of that amount, {$290.00} was for " Excess Wear & Use. '' The 3 year lease allowed  XXXX  miles a year or  XXXX  total miles. When the car was returned, the total mileage was approximately  XXXX  miles. On  XX/XX/XXXX  I paid an additional {$800.00} for alleged additional repairs to the car. This was paid to  XXXX   XXXX  's  Leasing Agent,   XXXX   XXXX  who advanced the {$800.00} as a courtesy. On  XX/XX/XXXX , I received a second letter asking for payment of the {$610.00}. I paid the {$610.00} by check on  XX/XX/XXXX , check #  XXXX . This check cleared the bank on  XX/XX/XXXX .   I have received notices after lease end to pay personal property taxes on the vehicle. The first one was for {$290.00} which was paid on  XX/XX/XXXX , Check #  XXXX . I included a note asking that they send me a copy of th e Tax Bill they  would have received from  XXXX  County, VA. They have not. This check cleared the bank on  XX/XX/XXXX . Then on  XX/XX/XXXX , I received another notice to pay PP taxes of {$140.00}. Which I have not paid given the foregoing circumstances. In addition, the Mazda Capital Services  Auto Lease Acc ount Statement of  XX/XX/XXXX  shows a billing of {$25.00} for property tax assessed  XX/XX/XXXX . The Statement for  XX/XX/XXXX  shows a PP tax billing of {$310.00}.
Product: Debt collection

I would like to make arrangements to settle the above referenced matter.

Please provide me with your statement of the amount owing as of XX/XX/2018, together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form.
Product: Debt collection

I was not advised of this debt, until recently. It showed up on all three credit bureaus. When I called Capio Partners, I was told it's a collection from 2013? I am unable to verify any information with my insurance, or claims benefits regarding this, due to being 6 years out.
Product: Debt collection

Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a wet ink signature of a signed contract with the creditor. I am hereby requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing you to cease collection of the debt while efforts are made to obtain verification. Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. I am invoking my specified remedy as a consumer, and the original creditor, I am demanding all of the following : XXXX out the balance on this account, Grant me my title lien free, Pay me all payments made to your company including any down payments from the inception of this alleged debt until the current date. Your next contact with me should be to either notify me that the Volvo has failed to provide verification of the debt and that the matter has been closed. Please confirm that I am not being held responsible for the debt in writing and the above specified remedies has been granted. I expect that you will provide me with all documents relevant to the debt as requested in my Debt Validation Letter submitted to your office via certified mailing and any other data that indicates my responsibility. In addition, you may not contact me by phone at work or at my home about this alleged debt. All future correspondence should be sent to me in writing. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity.
Product: Debt collection

I received a letter saying a debt was trying to be collected reference number XXXX from XXXX. I never received any notice. This was due I paid the last bill. It was set up on auto draft. Therefore the last bill shouldve drafted out of my account. I never stopped the draft. This is sent in error. Please send correspondence letting me know that has been wiped out as this that is not owed.
Product: Debt collection

Between the dates of XXXX XXXX and XX/XX/XXXX I documented 23 different phone calls made to Midland credit management Co. I want to settle a debt for approx. 800.00. I want a letter of satisfaction emailed to me and a line of satisfaction given to the court where there is a judgement against me. I have heard everything from we can't talk to you because you are from WV, which I'm not, to you have restrictions on your account and we can't help you. No one from the legal dept, customer support, resolution dept, countless managers could let me pay my debt. The computer system was also blamed. I was transferred 4 times where I was disconnected. I was told to call back in 1 day, 3 days, and most recently a week. I have attempted to pay my debt via online 4 times the week on XXXX XXXX with no success. XXXX XXXX I had an online chat with XXXX who told me she couldn't help me and gave me a number to call, which I have done more than once. What is going on? It has now been two weeks that I have tried to pay this very old debt. I want someone to accept my payment, give me a letter of satisfaction and remove the judgement Midland Funding LLC placed against me in court. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX
Product: Checking or savings account

The morning of XX/XX/XXXX my USAA checking account had an unauthorized charge. While I was on hold with the USAA someone made two more purchases on my account. I was originally told I would see my funds in 3 calendar days. After that they told me it was three calendar days from Monday XX/XX/XXXX. After that I was told it was 10 buisness days. On Friday the XXXX of XXXX I was told there was never a claim issued. On XX/XX/XXXX I was told there was a claim file on XX/XX/XXXX and another filed on XX/XX/XXXX. Finally today XX/XX/XXXX a XXXX called me and said they have 10 business days to resolve the claim, which would put them at today XX/XX/XXXX, but their fraud department is backed up. After talking to the bank this morning there is no plan to issue my funds today. I am out almost {$2200.00} from my checking account and after today those funds have been missing from my account for 14 calendar days and 10 business days.
Product: Debt collection

IQ data continued to harrass my parents regarding a debt turned over to them by an apartment complex I moved out of a month early due to work injury, XXXX, and XXXX all while out of work and collecting workers comp. In addition, they began harrassing me at work, as well as, contacting my employer, XXXX XXXX XXXX. They were asked numerous times to cease ALL harassing phone calls that were being made, but did not. Then they began calling me while I was at work, by pretending to be someone else, from various numbers so I would take the calls, and would not stop calling. I told them they were not given permission and I wanted the calling stopped immediately, before they cost me my job.
Product: Credit reporting or other personal consumer reports

I request that my claim be looked into and that all unauthorized inquiries be taken out of my credit record in accordance with the Fair Credit Reporting Act. Please send me a copy of my credit report as soon as the errors are rectified. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Vehicle loan or lease

Kia Motor Finance sent a repo truck at XXXX XXXX  who knocked on our door and woke everyone up. When we refused to allow him in the garage he threatened to call the police to make us. He sat parked at the end of our driveway for almost 4 hours.