23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> Pro Collect XXXX XXXX Abrams Rd., XXXX XXXX XXXX, TX XXXX Dear Pro Collect Re : Dispute of Debt and Revocation of Communication Rights I am writing to inform you that I dispute owning any and all debts to your company. I deny any liability for the alleged debt and request that you provide debt validation to support your claim. 

Furthermore, I revoke all rights of your communication with me through emails, text messages, or phone calls. I demand that you cease and desist all communication with me immediately. 

I request that you provide the following documentation : - A detailed accounting of the alleged debt, including the amount and origin of the debt - A copy of the original contract or agreement between me and the original creditor - A copy of the purchase agreement between your company and the original creditor - Proof of your company 's licensing and bonding I believe that your company has violated several laws, including : - 12 CFR 1006.34 ( b ) ( 5 ) : Failure to provide clear and conspicuous disclosure of the debt - 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : Failure to provide accurate and complete information about the debt - 12 CFR 1006.34 ( d ) : Failure to provide proper validation of the debt - 15 USC 1681-S ( 2 ) ( 7 ) ( a ) : Failure to comply with the Fair Credit Reporting Act 's requirements for debt collectors I demand that you provide the requested documentation and proof within 30 days. If I do not receive this information, I will assume that the debt is invalid and take further action to protect my rights. 

Please confirm in writing that you have received this letter and will comply with my requests. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
The following inquiry was not and should not be reporting. 
Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with that 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 's findings indicate that Zelle has not only neglected to protect consumers but 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

Affirm INC is unlawfully reporting derogatory information on my credit report without my consent or proper authorization. Specifically, I have not signed any wet signature application or contract with Affirm INC, nor have I provided them with a valid copy of my drivers license or any other form of identification that would legally allow them to report this information. Both Affirm INC and XXXX have failed to provide a copy of any wet signature contract or application demonstrating my consent, raising serious concerns about the legitimacy of their actions. 
Additionally, Affirm INC has listed over 10 closed accounts on my credit report, which is unauthorized, frivolous and inaccurate. This matter requires further investigation. I have not given this agency the authority to access or report any information related to me under the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for such actions. Their failure to comply with these legal requirements has negatively impacted my credit standing. I respectfully request that the CFPB investigate this matter and ensure that the derogatory and frivolous information is removed from my credit report immediately. Thank you for your attention to this serious issue
Product: Payday loan, title loan, or personal loan

I XXXX XXXX XXXX XXXX, have tried to contact XXXX XXXX  but they have closed for business as per their website ( XXXX XXXX XXXX  ) and the have sold my loan to Systems & Services Technologies , Inc . I have tried to contact the new company and inform them about the SCRA and that I'm XXXX XXXX military. The company is NOT reporting to the credit bureaus and I'm left with pay the loan at the APR and with out it show on my credit report which is negatively effecting me. I can NOT get in contact with Systems & Services Technologies , Inc.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Experian for their failure to address and resolve inaccuracies on my consumer credit report. On XX/XX/year>, I sent a detailed letter to Experian via certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX ), outlining several inaccuracies and requesting proof of validation for the following accounts that I do not recognize : XXXX XXXX  account number XXXX XXXX XXXX account number XXXX XXXX  account number XXXX XXXX  account number XXXX XXXX XXXX  account number XXXX XXXX  XXXX account number XXXX Additionally, I requested information regarding three hard inquiries made by XXXX XXXX XXXX, which I do not recognize. 

Despite my efforts to resolve these discrepancies, Experian has not provided me with any of the requested documentation or proof of validation as required under the Fair Credit Reporting Act ( FCRA ). This lack of cooperation is preventing me from correcting my consumer report and is adversely affecting my credit score, thereby hindering my ability to obtain a good job, a decent car, and a home in a good neighborhood. 

I am seeking your assistance in this matter to ensure that Experian complies with the FCRA and provides the necessary documentation to validate the disputed accounts and inquiries. I am committed to resolving this issue but require cooperation from Experian to do so. 

Please find attached copies of my initial correspondence with Experian, along with proof of certified mail delivery. Your prompt attention to this matter would be greatly appreciated. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account # 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 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2022 : I received a notification from Wells Fargo that there was suspicious activity that needed to be verified by XXXX XXXX XXXX. ( A company I have never purchased from or heard about ) They told me to Reply Y if recognized XX/XX/2022 : I went to purchase a snack at XXXX XXXX  XXXX  and noticed that my card got declined. I just received my paycheck a couple days prior and knew that I had money in my bank account. I have a joint account under my mother, but she does not know my pin and I have never given my pin to anyone else. I looked at my bank account to see it was essentially cleared out with maybe a couple dollars in my savings and a negative balance in my checking account. My bank account had several unauthorized charges by mainly this XXXX person/company. {$1700.00} was moved from my savings into my checking account and the XXXX purchases were extracted from my checking in smaller amounts of {$50.00}, {$100.00}, and {$200.00}. I had class and had to go to work immediately after so I was not able to call my bank ( Wells Fargo ) until the day afterwards. 

XX/XX/2022 : I called and they essentially told me that I would have to make several claims because of the different kinds of bank transfers and that my money would be reimbursed. They closed my checking account reopened another checking account and a couple days later I received an email apologizing for the fraudulent activity happening on the account that I had just opened instead of the one that was closed. They told me to wait 7 days for my new card. 

XX/XX/2022 : I called Wells Fargo to get an update on my claims because I had not been reimbursed yet for the XXXX. One was resolved but I was still charged with overdraft fees and was told that my other claim has been closed and resolved, the claim regarding all of the XXXX charges. Ultimately, they said my claim was denied and that I will not receiving any of that money back. I have chatted with Wells Fargo agents online and they tell me to contact the Claims department, but the Claims department said there was not enough evidence for my case even though they contacted me about the suspicious activity.
Product: Credit reporting or other personal consumer reports

on XX/XX/2024 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 im 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 from 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: Credit reporting or other personal consumer reports

I noticed on my XXXX XXXX account, it said I had a late payment for my XXXX XXXX loan for the month of XXXX I reached out to XXXX XXXX XXXX  over the phone who said they received my payment on time, and are not sure why XXXX XXXX is reporting that information When I contacted XXXX XXXX, they told me to dispute that incorrect information to TransUnion I made my first dispute with TransUnion on XX/XX/XXXX. I provided the bank statements showing I had made the correct payment on time, same scheduled day as every other correct payment. They completed the dispute on XX/XX/XXXX saying the information is correct and that was all. 

So I opened another one on XX/XX/XXXX with the same information, more frustrated because they are just closing my disputes without any reasoning. They closed this dispute on XX/XX/XXXX with the same statement, everything is correct. 

I called them directly to explain the issue, and I was told that making a 3rd dispute would be pointless and I would have better luck contacting the FTC. At this point, they are just refusing to acknowledge the issue. Please help me...
Product: Credit card

My ex husband filed for bankruptcy on a Wells Fargo Credit Card. I was listed as the second cardholder, i did n't sign anything obligating me to pay for this card and it was discharged on my ex husbands bankruptcy.Wells Fargo has severely damanged my credit scores by falsely reporting this information.
Product: Credit card or prepaid card

I contacted XXXXXXXX XXXX XXXX to repair a wheel I have. On XX/XX/2001 we agreed on the work to be completed and the price. I am in XXXX, XXXX XXXX is in XXXX NC .I sent him my wheel. About XXXX XXXX after some phone calls and texts I started to be concerned how the wheel was being repaired. After more conversations I was certain the wheel was not being repaired properly despite XXXX continually tell me they did what I asked them to do. Then about XXXX XXXX he sent me a message : " The hub and lug seats are true to the outside of the wheel. It was done on a XXXX milling machine ''. That was what I wanted done. I sent payment. He sent wheel back. I received my wheel and Immediately saw he did not do the lug holes and the bore was wrong. I put the wheel on my car and saw that it was still wrong, XXXX had fixed nothing. I did a charge back through Discover. They sided with the business. We explained to Discover the issue on the phone and they agreed to do a second charge back. They again said transaction was valid. This was around XXXX XXXX we called discover back, they agreed to send me the document XXXX sent to discover. most of that letter was false information. I have sent new documentation to discover, documenting that the wheel was not repaired. I will also send you copies of that documentation. I never would have paid XXXX if I knew he was cheating me. I have the wheel, It is not useable, yet XXXX still says he did no wrong. I just don't understand how all this is possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dates : XX/XX/2020 Amount : {$510.00} I disputed twice with credit bureaus and they are still reporting false report. I called for them to verified these items. There was no proof that these items where verified.
Product: Checking or savings account

XXXX sent me a email on XX/XX/year> saying that both of my savings accounts violated the terms and decided to close immediately. I called twice to discuss what is happening and what will happen to my {$XXXX} deposited in the bank. However their customer team mentioned theres nothing I can do. When I asked when they will send a mail detailing the next steps, they threatened me that they cant help me and hung up.
Product: Bank account or service

New York community Bank which took over Ohio savings bank has pushed their Elite banking every time I go to a different teller or re-up a CD. Recently I received a mailer asking that I join the Elite plan and get the better results in interest. You have to keep your balance at over XXXX and the increase in interest only affords you a payout of XXXX dollars a year. In the Mailer it explains in very fine print that the accounts are transferred to XXXX. That was never mentioned before and the cover letter is on Bank Stationary which mentions FDIC. The fine print of themailer mentions that it is not insured by the FDIC
Product: Debt collection

1. NATIONAL CREDIT AUDIT CO I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent dispute to Experian Consumer Credit to update/correct several errors on my credit file that are negatively impacting my score and rating. I provided receipts and proof of payments made and instead of truly investigating they replied less than 12 hours later with Disputes Closed and status updated when all of the information is still wrong. 

XXXX XXXX XXXXt XXXX was paid in XX/XX/XXXX for a loan that was in collections but they are still reporting the balance as owed. 

XXXX vehicle loan has been paid in full for the {$28000.00} loan on time never late and has a XXXX balance it was left on there owed impacting debt ratio negatively. 

Credit card balances for XXXX XXXX and XXXX XXXX XXXX XXXX was left at high balances when they are all paid. 

XXXX XXXX is left at over {$4700.00} when the balance is {$1700.00} XXXX XXXX is left at over {$4500.00} when the balance is {$2500.00} XXXX XXXX XXXX  agreed to a pay and delete of a collection account but is still reporting this as negative for the past several years but disputes and documentation never fixes. 

XXXX XXXX XXXX falsely put a collection on my credit with no notification to me, when I saw it they told me it was XXXX XXXX I called XXXX who told me it was an error in my cancellation of my policy. I fixed it with XXXX the original creditor and paid them directly. Yet the debt debt for XXXX XXXX is on my file even though I knew nothing of them before they attached to my credit. XXXX agreed to delete due to error but they will not they are still reporting it as a negative account. I provided a paid receipt. 

Experian did not investigate these disputes they simply falsely stated that all of the information meets Fair Credit Reporting and sent it back. Had they truly investigated they would have fixed all of these true errors in balances and payment statuses. They are fraudulently maintaining bad credit ratings and negative information that is causing people like me to suffer even though we are paying bills on time and have paid off bad debts. Because of this I can not buy a home or finance medical loans needed for medical procedures for my very sick spouse. I paid all of these bills and debts to do the right thing but the credit bureaus will not correct the errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX on XX/XX/2022, 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. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I filled two disputes one for XXXX XXXX on XX/XX/year> ie XXXX XXXX who now has the account in their office. I spoke with XXXX XXXX and sent a dispute letter. XXXX XXXX sent me a letter of deletion from their office, but when I disputed with Equifax it still remains on my credit report I sent a letter asking for the method of investigation when it came back verified and got no response even after I sent a letter stating asking for method of verification. XXXX XXXX XXXX has recently shown back up on my credit report negatively after previously being corrected on my credit file, There has also closed accounts have updated on my report for XXXX  XXXX XXXX XXXX showing late payments which had been removed several years prior.
Product: Credit card

Someone who was close to me that had access to my documents opened this fraudulent account in my name without my consent. They maximized the fraudulent {$500.00} credit card by doing charge backs which ended up being {$1700.00}. I never once opened this account or even used it. This is a direct result of Identity theft and betrayal. The account was opened on XX/XX/2021. I filed an FTC Report in regards to this matter ( Reference # XXXX ).
Product: Checking or savings account

Hello. As referenced in the FBI report, the individual, who goes by the name of XXXX XXXX, contact number XXXX, operated through fraudulent means to steal {$9000.00} from my XXXXXXXX XXXX Account and into his business Chase Bank Account by using a company called XXXX XXXX XXXX to claim he would serve as a third party to deliver legal services for me for three cases attached to this email by paying upfront for the paperwork and then he would provide the service. He first contacted me on XX/XX/year>, after I posted an ad on XXXX for legal representation for some cases. 

After looking at all the finished documents he told me he filed, I later found out he did not file any of the cases attached with the court. Through my investigation, I discovered almost nothing about him or what he told me he did regarding my case is accurate except maybe the citations for the laws broken in my case scenarios. However, that still needs to be verified by a licensed attorney. Almost everything else, from the law firm to the Attorney that he said represents me, XXXX XXXX, was made up. Once I contacted the Attorney at XXXX, he told me he does not know any individual by the name of XXXX XXXX or the business. 

Every individual or business who I contacted to verify if they know XXXX XXXX from work employment verifications and potential co-workers specifically let me know that they do not know him. I called the clerk 's office to verify if the money I paid him to file the Civil courts on my case was filed in the XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and they told me that they have nothing on record filed with the court for me. Almost Everything XXXX XXXX told me to convince me he is an attorney has been proven to be false. 

Based on my own Private investigation, which I have done through a Service, his business is not licensed anywhere in America, nor is his name coming up on any database. This means he opened his bank accounts through fraudulent means or using someone else 's bank account, which is not legal. I've attached all my supporting documents for you. 

I have pleaded and asked the recipient Chase Bank to reveal the true identity of the account of the individual who stole my money and they refuse to reimburse my account or reveal the identity of the imposter. No one has done anything yet to retrieve my funds. PLEASE help. 

Imposter website XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My contact information XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX XXXX listed multiple 30 day late payment on my credit report on XX/XX/2018 and XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX, Equifax and XXXX. Please remove the 30 day late payments from my credit reports.