23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my rights to privacy and confidentiality under 15 USC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1682 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 make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than the records of convictions of crimes witch 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 the information is inaccurate
Product: Credit reporting or other personal consumer reports

I have a loan and a credit card attached to my account that are fraudulent. XXXX of XXXX  I filed a complaint with the Federal trade commission regarding identity theft with these accounts. I have never authorized and know nothing about these accounts. 

On XXXX I Certified Mailed All 3 Bureaus With Handwritten Letter Alond With Birth Certificate, SS Card, Valid ID and Utility Bill With My Correct Address. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX My address has also been tampered and my whole Equifax account is not reporting due to this identity theft. Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX mail receipt number : XXXX XXXX Equifax certified mail receipt number : XXXX XXXX certified male receipt number : XXXX XXXX
Product: Debt collection

I am asking for help because i am being harassed by debt collector who calls me over and over again and even after i left the debt collector know that i was working at its not a good time for me to talk due to me being at work and i cant use my phone. They are still calling and i have numerous amounts of calls from the debt collector. 

i looked up this law 15 USC 1692 which is the FDCPA and in section 1692 c ( a ) ( 1 ) it says at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 

( at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXXXXXX and before XXXX XXXX XXXX, local time at the consumers location ) The debt collector still was calling me and they violated me again under the FDCPA i let them know that because I'm at work i cant take personal calls and due to me working long shifts and overtime i cant be on the phone and they continue to call me. This is a violation 15 USC 1692C ( A ) ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.
Product: Debt collection

On XX/XX/2023 I received a notification from XXXX credit monitoring that a new collection was placed on my XXXX credit file. 

This alleged Collection account was placed on my XXXX credit file reporting from Williams and Fudge Inc. 
XXXX XXXX XXXX, XXXX XXXX, XXXX ( XXXX ) XXXX * This is a violation of the FDCPA and FCRA as I was NEVER initially notified by Williams and Fudge of an attempt to collect a debt or my right to dispute prior to reporting to a consumer reporting agency. 

On XXXX the XXXX, XXXX  I sent Williams and Fudge Inc a debt validation request to the address that was being reported on my credit file. ( USPS Confirmation # XXXX XXXX XXXX XXXX XXXX XXXX XXXX The US Post master informed me that their zip code was NOT correct ) On XXXX the XXXX, XXXX  Williams and Fudge Inc, received and signed for the debt validation request. 

On XX/XX/XXXX  I disputed this alleged collection with XXXX ( Confirmation # XXXX ) as it is a violation of the FDCPA and FCRA as I was NEVER initially notified by the debt collector before they placed the alleged collection on my credit file. 

On XX/XX/XXXX  XXXX received an update from Williams and Fudge Inc that this alleged collection account belongs to me. This is a subsequent and clear violation of the FDCPA and FCRA as Williams and Fudge update INVALDIATED information during the 30 days debt validation period ; this was just 7 days after they received my debt validation request. 

As of today Williams and Fudge still has not validate this alleged debt to me and is refusing to remove it from my XXXX Credit report. To be clear I was NEVER notified of an alleged debt by this debt collector before placing it on my consumer credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

USDA XXXX XXXX XXXX XXXX XXXX mortgage was paid off XXXX of XXXX. Account number XXXX. USDA cashed the check in XXXX of XXXX for {$120000.00}. I never received signed payoff title. I worked with a title agency. 
For property located at : XXXX XXXX XXXX XXXXXXXX KY XXXX. 
Our XXXX XXXX. XXXX contact person is : XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX a check for over {$20000.00} and realtors were paid. The payoff was provided by the USDA. For the last 2 years and 10 months, I have contacted the company. The company continues to report to all 3 credit bureaus that a house payment has not been made since XXXX of XXXX, ruining my ability to buy another home for my family of XXXX. I am also unable to rent an apartment due to my credit score. My husband and XXXX young children have been " homeless '' for almost 3 years due to the company incompetency. In XXXX of XXXX, the company reported additional charges for " foreclosure '' fees over $ XXXX on all 3 credit bureaus. I have disputed with every credit bureau each time. It'll fall off my credit report then only to reappear again. 
I've spoken with XXXX, XXXX XXXX and XXXX in the foreclosure department, each informed me that this is their mistake, and the letter will be mailed, and everything will be ok. The USDA failed to apply the payment to my account due to XXXX and " working from home '' until XX/XX/XXXX. That is how they calculated the " foreclosure fees '' based on paid off in XXXX and hence the reason the company states it is their error and not a valid charge. I have spent countless hours on the phone only to be told, it's taken care of, and I never receive the letter. I can not get anyone that can help me on the phone and have to wait for call backs from the foreclosure department. I've asked to speak to manager only to be called and told, the manager on the phone can't send me the letter but " XXXX XXXX '' will call me and can email or mail me the title payoff letter. I have never received a call or letter from XXXX XXXX. Then the phone call process starts over again. I have reached out to a real estate attorney, and they confirm, there has never been a lien or foreclosure against my previous home XXXX XXXX XXXX XXXX, KY XXXX. I have contacted the USDA, FRCA, TransUnion, XXXX, XXXX, XXXX, and the state attorney general ( s ) for Kentucky and Missouri to no resolution.
Product: Credit reporting or other personal consumer reports

I have 4 late payments on my credit report from XXXX XXXX  in the months of XXXX and XXXX of XXXX and XXXX and XXXX of XXXX this information is incorrect and I would likeit to be removed please. I did a dispute several times and they mention that the score will be updated. still shows on my credit report to this day.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1500.00} ), XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4000.00} ), XXXX XXXX  XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3600.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$3300.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have  got into the hands of the wrong person.
Product: Payday loan, title loan, or personal loan

I originally took the loan under the impression that the APR rate would be way lower than it turned out to be. I was also under the impression that the finance charge would be a one time fee. The company was very misleading because I later found out the finance charge is a percentage that is subject to change. I attempted to make a {$300.00} payment the end of XXXX which was never 'processed. ' I looked today and the payment still says pending. This would have made a huge difference on my interest rate. I think this was another scheme to keep me from paying off my loan early. I called today to make a payment on the principal. I told the representative that I planned on paying off the loan next week ( on my payday ) and she could not tell me what that amount would be. They also claimed that they could not process my payment for two business days and that I would still have to pay interest for the weekend even though i have been attempting to pay. The representative said there was no pending payment on my account ( I have a screen shot of the website mentioning my online payment ) Overall, this has been a terrible experience. The company has been so dishonest and they set you up to fail.
Product: Credit card

On XX/XX/year> a payment of XXXX was made to the my lowes Reward credit card, which is apart of synchrony bank. When I went to check my XXXX XXXX yesterday it has dropped significantly do to them putting a late charge on the card even thou it was payed because i have the conformation number which is XXXX and my bank said that they received the money. I have made payments before with no problem. A payment of XXXX was made in XXXX with no issue as well. I spoke with numerous people at the my XXXX credit card division and they said it would be removed but it is not. I am a XXXX XXXX XXXXXXXX XXXX adult who has always payed his bills on time or in advanced. I feel like they are discriminating against me cause of my XXXX.
Product: Debt collection

On three separate occasions, I mailed a certified letter on XX/XX/2022, XX/XX/2022, and XX/XX/2022, asking that the alleged debt collector send me validation of the debt that are alleging that I owe to them. On all three attempts, I never received any mail correspondence honoring my request. The alleged debtor continued to almost on a daily basis call and harass me by leaving unsolicited voice messages even after I blocked the number from calling my phone. I asked the debtor to produce evidence and the debtor failed to do so. The two inquires has impacted my credit report profile, as I requested to have the accounts removed from my credit report profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS AND HAS REFUSED FOR NEARLY A YEAR TO DELETE ACCOUNTS ASSOCIATED TO AN ERRONEOUS ( DELETED ) XXXX XXXX BANKRUPTCY. THESE ACCOUNTS HAVE AND CONTINUE TO AFFECT MY CREDIT WORTHINESS. I'VE SUBMITTED SEVERAL DISPUTES AND NOW SEEM TO HAVE BEEN BLOCKED AND/OR FLAGGED BY EXPERIAN TO DISPUTE FUTHER.
Product: Debt collection

SEVERAL ISSUES JANE FERRELL AND ASSOCIATES ... DID NOT GIVE ME FDCPA NOR MINI MIRANDA WHEN I CALLED.. THEY THREATNED TO TAKE ME TO COURT WHEN THEY HAVE NO PLANS TO.. THEY CAN NOT DO THAT.. AND THEY ARE ALWAYS SUPPOSED TO READ ME MINI MIRANDA AS WELL AS FDCPA.. THEY DID NOT TELL ME I COULD DISPUTE IT AS WELL.. I WAS GIVEN NO OPTIONS.. THEY ALSO DID NOT TRY TO TAKE TH ELAST PAYMENT THEY ARE CLAIMING THEY DID .... I DISPUTED IT AND THEY EVEN CAME BACK AND WERE RUDE AND DISRESPECTFUL IN THE RESPONSE FROM XXXX ....
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 transactions was unfeasible. The CFPB finding indicate Zelle has neglected to protect consumers by allowing repeat offenders to exploit the system
Product: Debt collection

I terminated service with XXXX XXXX XXXX, and was wrongfully charged a non-return fee of equipment in the amount of {$160.00} on XX/XX/XXXX. My bank, XXXXXXXX XXXX conducted an investigation, filed XX/XX/XXXX, found my claim to be valid after submitting my equipment return receipt and on XX/XX/XXXX I was returned {$160.00}, plus interest in the amount of {$68.00} from XXXX XXXX XXXX for the inconvenience. My debt was then sold in XXXX to a debt collection agency, and it has been sold again and currently I am being harassed by XXXX XXXX XXXX, i am being called and texted everyday from XXXX. The Debt collection is no longer showing on my credit report, I am not sure if it was resolved by the credit services I hired a few months ago, or if I am just not seeing the full report. I just want to stop being harassed by these XXXX. It has negatively affected my life over the last year and knocked my XXXX XXXX into the upper XXXX, I am a student and was looking to purchase a vehicle and take out student loans and was completely unable to do so because of this fraudulent report of debt i never owed. It is completely unethical to leverage consumer debts as an asset to be sold after ripping them off and ruining their financial health. I would like to pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

5ths disputes have been sent through the year of XXXX ; and recently still being updated XX/XX/XXXX and XX/XX/XXXX ; as if my disputes and pointing out several violations never existed. This is my last attempt pointing out these inaccuracies before taking legal actions. On ALL XXXX XXXX XXXX XXXX accounts multiple inaccuracies and violations continue to happen on a monthly basis and destroy my credit! 

XXXX ) 15 USC 1681 ( a ) accuracy and Fairness of credit reporting has been violated MUlTIPLE times 2 ) 15 U.S.C 6801 protection of nonpublic personal information has been violated on multiple occasions.

3 ) 15 U.S.C 6802 Obligations with Respect to Disclosing Information, I have never received the 3 disclosure forms this law states I am suppose to have received 4 ) 623 5 ( a ) duty to provide notice of delinquency of accounts It is to notify the agency of The alleged delinquency date on the account, which shall be the month and the year. IT DOES NOT STATE to CONTINUOUSLY REPORT MONTHLY and yearly! 

XXXX ) Also, according to the IRS charge offs are considered gross and ordinary income and you are to receive a 1099C from any alleged debt that is above {$600.00}, I have not received this for any XXXX XXXX XXXX XXXX account, So why are these alleged charged off accounts still reporting as debt on my credit report? 

These disputes are not to inform if the alleged death belongs to me it is to point out that these consumer reporting agencies have been in violation on multiple laws and has not been accurate and fair according to the FCRA, and they are allowing these accounts to continue to cause me distress and ruin my credit report! In XX/XX/XXXX, I asked for proof of verification, including the method of communication, documentation used to verify, to whom they spoke with, the date, what number did they call, the creditors address, what position did the person that they spoke with works? That has been longer than 30 days ago and I have yet to receive that! I asked that if they could not provide that to delete all of these XXXX XXXX XXXX XXXX accounts off of my report because it seems like their reinvestigation is computerized Or just telling me, the information is accurate!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a police report to transunion in reference to inaccurate information on my report along with a dispute letter with no response. So I have sent another letter with my copies of police report to hopefully get this rectified. No information was sent to me stating they have verified any information.
Product: Credit card

I purchased a product ( bike ) from XXXX for {$2500.00}. I had problems with the bike. The company sent a new bike and original bike was returned. That bike was never used/put together because it arrived damaged. I returned that bike as well, XXXX picked it up. I have all details via email with the company regarding the return of the bike.
Product: Checking or savings account

I opened a checking and savings account in order to receive bonuses for each account. I met all of the criteria but the bank is refusing to pay me the bonus. The promotion states that the offer is eligible to customers who have not had an existing or prior account within the preceeding 12months. I did receive the bonus for the Savings account which has the same requirements. I have called 3 times now and I keep getting the run around on the XXXX dollar checking account bonus. I met the requirements for that on XX/XX/21 per the agent and should have received the money 90 days after that.
Product: Credit reporting, credit repair services, or other personal consumer reports

inquiries on my report that i do not recognize or give authorize.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXXXXXX DEPT OF ED/XXXX XXXXXXXX
Product: Checking or savings account

I opened a CHIME Bank account to manage a graduation event for resident physicians in XXXX. Because of COVID restrictions, our department couldn't pay for food at events. So I collected donations from other faculty in a XXXX  account and transferred them to the CHIME account. The amount raised was close to {$7000.00} and most were small donations of {$100.00} or so. Then, as the residents went about planning their own event, I texted them amounts of money to reimburse them when they showed me receipts. The text to pay was a main feature of why I used the Chime Bank in the first place. Occasionally, I was able to pay for things directly such as the venue. I received an email saying that they suspended my account because of suspicious activity. I provided them an explanation that was more extensive than the above. Also, I provided a lot of receipts and my proof of address. I phoned to follow up a week later and they informed me that I sent that information to the wrong address and I resent it all to a separate one. Then they responded saying explain the cash payouts and I did that again. I was not able to look at the account as it was disabled to find out which payments they didn't have or which ones they were concerned about. I tried to call and they wouldn't discuss this and later blocked my number. Then they closed the account as they said that it violated their internal policies. I was unable to identify these policies and they referenced information that did not mention anything about a limit on text payments. Further, they would not refund any of the money left in the account. Because I can not see the account any longer, I'm not even sure how much was left in the account. It's close to {$1500.00} or so. I'm fine with them closing the account I guess, but I'd just like the money back.
Product: Debt collection

A monthly cell phone bill was paid after being prorated for actual daily use. The service was cancelled with the provider ( XXXX XXXX ) because of customer finding a better service. 
Consumer cellular called XXXX times over a period of 2 months. I discussed the issue with the XXXX XXXX rep, and they told me that I had to pay for the full month of service. They informed me that their contract with me does not allow proration of service. I wrote a complaint letter to XXXX XXXX explaining ( after reading the contract again, that there was nothing in the contract that prevented pro rationing of daily use service upon cancellation. 
I did not hear anymore from XXXX XXXX until about 6 months ago where their collection agent, Professional Credit Service sent me a demand for payment ACCT # XXXX. I wrote them a letter stating the same information that I sent to XXXX XXXX. The collection agency has not responded and continues to send me a demand for payment letter. 
I do not owe any amount to XXXX XXXX and have paid them in full for services provided. 

XXXX XXXX
Product: Credit card

My credit card number was compromised and unauthorized charges appeared on my statement. I informed Elan Financial Services and a new credit card was issued. All fraudulent charges except for XXXX have been removed. I contacted Elan Financial Services several times, and customer service has not yet removed the last remaining fraudulent charge of {$140.00} made on XXXX XXXX, 2016 for " XXXX. '' I am requesting CFPB assistance as unfortunately it has been nearly one month with no removal of this unauthorized charge on my Fidelity credit card issued by Elan Financial Services.
Product: Checking or savings account

I made two payments to mechanics auto finance within 2 hours and asked Capitol One to stop one of them. The payment XXXX for XXXX. They could not stop it, they instructed me to ask to merchant to send it back. I DID call the merchant. They can not return. Then Cap 1 asked me to dispute transaction. I said I dispute your process. I want my money back. I still have money but my car payment is good for 2 months. Help
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX, XXXX  company failed to respond to this matter. Last update shows on cfpb on XX/XX/year>XXXX  company still in the process of reviewing this matter It's been longer than the 30 day waiting period. My complaint number is XXXX which was submitted to the cfpb on XX/XX/year>.