23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I rented a car from XXXX on XX/XX/XXXX at the XXXX, airport, XXXX. They verified my Drivers License issued by the Illinois state in USA, my USA passport & XXXX Credit card and noted the details on my Rental contract. 
I was not provided an English translation of the Rental Contract, most of which was written in XXXX and I have no knowledge of the Spanish language. I spoke to them in XXXX only when renting the car and them very well knew that I could not read most of the terms and conditions written on the back of the contract. 
On XX/XX/XXXX while driving in XXXX I was stopped by the police for holding a cell phone in my hand. I was not using the cell phone. I produced my Drivers license and passport as requested by the XXXX police. XXXX police issued me a citation for driving in XXXX without a valid international driving license and seized my car. I immediately called the XXXX personnel and they spoke to the XXXX police personnel. XXXX police communicated to me that XXXX should not have rented the car to me without a valid driving license to drive in XXXX. 
Centauro personnel rent cars to numerous individuals everyday .Centauro personnel are required to only rent cars to individuals who are eligible to drive. They are all citizens and/or residents of XXXX and expected to know the XXXX law better than a foreign tourist. 
XXXX and its personnel have willingly encouraged me to break the law by renting me a car when they were fully aware that I did not have the valid documents to drive a car in XXXX. XXXX and its personnel have intended to benefit from renting a car to an individual who was not eligible to drive in XXXX. XXXX and its personnel have intended to benefit from actively encouraging an individual to break the law of XXXX. I am sure XXXX has actively encouraged numerous foreign tourists by renting them cars without a valid drivers license to drive in XXXX and profited from it enormously. 
Will XXXX or its personnel ever rent a car to a local kid or a local adult without a valid driving license to drive in XXXX? They just intended to benefit from defrauding and cheating a gullible foreign tourist. 
Centauro along with Bank of America Visa is trying to fleece me for the illegal rental transaction and including gas not consumed, citation, administrative charges amounting to USD XXXX. The actual rental amount due is less than XXXX XXXX XXXX and its personnel not only encourage a innocent foreigner to violate the XXXX law, but also want to further financially exploit the victim.
Product: Credit reporting or other personal consumer reports

It has come to my attention that child support is not supposed to be furnished on consumer reports. It is not derived from a credit transaction, therefore it is illegal and fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get in touch with Experian and talk to a human so that I can resolve a complicated issue regarding my credit freeze. However, after many hours, I am still stuck in the automated phone system.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax does not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, m ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting
Product: Student loan

I believe I am eligible for loan forgiveness through the PSFL program. I submitted employment certification documentation for the two employers I've had since XXXX. I first submitted paperwork back in XXXX of XXXX and was later told they didn't have it. I resubmitted it again around XX/XX/XXXX and waited a couple of weeks to give them time for processing. When I called back I was told it was under review and could take months to show on my account. I didn't press it because there is a moratorium on payments due to COVID, but then I tried to call again today because I'm certain I have the eligible number of payments to have my loans forgiven under the new waiver program. I have currently been on hold for over 3 hours and when two humans finally picked up, it was to transfer me or hear my question for less than 1 minute and then put me back on hold for another hour. Fed Loan Servicing is a terrible company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written the company about the false information to a debt that I did not validate. It has been several months since this letter was sent to the company. I have not received a response. I would like this removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The original debt was charged off in XXXX, and is not even on any of my credit reports. How can a charged off debt over 10 years old be purchased? It was not purchased and this collection post is a complete fraud perpetuated against XXXX, and an abuse of my rights under FCRA and FDCPA. The attached post on my credit bureau claims that a debt was purchased by a third party. At no time from my initial dispute was a debt validated. Under Federal Trade Commission guidelines, a debt must be proved, showing actual hard copy transfer. That does not mean a letter of transfer, but an actual transfer with signature backup. The debt purchase industry is the largest scam ongoing against the American consumer. Both the collection agency/debt purchaser are in violation of their subscriber agreement with every credit reporting agency. At no time was the debt validated, and the initial timeline from the original creditor has been cut off, and thus the debt is illegally being re-aged to benefit both the original creditor and the illegal debt collection process. Both the original trade line must be removed along with the invalid collection process. This problem will continue to exist since the XXXX XXXX XXXX XXXX XXXX Supreme Court decision of XX/XX/XXXX, whereas the third party purchase voids the individuals rights under the Fair Debt Collection Practices Act. Since there is no proof of true hard copy transfer and ownership, the collection is VOID and the collection process must cease and my file for both accounts must purge. These items must be deleted permanently and my files need to be purged. My information was obtained through a debt pooling process that should be terminated by the Federal Trade Commission. XXXX XXXX has committed a fraudulent act by even posting my antiquated information and there should be sanctions taken against this company. Now XXXX XXXX is extending the fraudulent activity to a fourth party collection service called XXXX XXXX XXXX XXXX. There is absolutely no connection to a valid debt, and my name must be deleted immediately from all corresponding files. All credit bureaus are being aware of this problem as now two debt collection agencies/debt buyers are in violation of their subscriber agreement across the board with the major credit bureaus. The credit reporting as well as the debt collection is 100 % fraudulent and needs to cease immediately and permanently.
Product: Credit reporting or other personal consumer reports

Company took more than 30 days to fix the errors on my report. These accounts are currently in litigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX TRANSUNION XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # : XXXXXXXX XXXX XXXX of TRANSUNION, I hereby formally notify you of a dispute regarding the XXXX XXXX XXXX XXXX ( XXXX XXXX account, which has been reported in my credit file under the entity XXXX This account must be immediately removed from the credit report under applicable federal and state law. The following are the legal and factual reasons supporting my request : Reasons for Dispute 1. Violation of Debt Validation Process : Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ), the collection agency XXXX XXXX was required to cease all debt collection and validation activities until receiving complete verification of the debt, if a request was received within 30 days of receipt of the initial notice. XXXX claims to have sent said notice on XX/XX/XXXX and to have received no communication before XX/XX/XXXX. However, this does not justify reporting to XXXX without proof of validation. 
2. Lack of Legal Ownership of the Debt : XXXX XXXX has indicated in its response to the CFPB that it is not the owner of the account in question and only acted as an authorized representative of XXXX. The information reported to XXXX was generated without adequate verification by the original creditor, violating the consumer 's right to transparency of information under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ).

3. Relevance of Florida Credit Law : Under Florida state law, the statute of limitations on debts limits the period during which a debt may be legally pursued. The account in question was returned to XXXX without any additional validation efforts being made and is outside the applicable reporting time frame. 
Request Since XXXX XXXX has confirmed that the account was returned to XXXX  and that it no longer has any right or authority over the account, immediate removal of any mention of this account from my credit report is requested, pursuant to Section 611 of the FCRA ( 15 U.S.C. 1681i ), which provides a consumer 's right to request removal of inaccurate or unverified information. 
Attached is a copy of the correspondence received by XXXX XXXX through the CFPB, confirming that the account has been closed and returned to the creditor.
Product: Checking or savings account

On XX/XX/2020, I opened a new checking account at Simple. Followed the instructions provided to link an external account to transfer funds into this new checking account. 
I also followed all instructions to provide proof to verify the linked account. 
The I transferred {$55000.00} into this checking account from my external linked account. 

In order to take advantage of the 1.00 % APY, I opened a Savings Goal account in Simple. Trouble started after this. 
I was not able to move any money into the savings goal account, with no explanation provided as to why. I notified support and I was given no response for more than a week. After multiple notifications to request answers, I was told I had not verified my external linked account. When I provided proof that I had indeed verified, they again stopped all communication. 
It has been 1 month since this and now, they have frozen my account, denying me access to my {$55000.00} completely. No one seems to know what is happening, except my hard earned money is stuck within their system. 
Repeated requests only get a response that they are working on it, but for the last one month, there is no evidence of any progress on whatever they are working on. 

On XX/XX/2020 I requested to close my account and initiated an ETF to transfer all my funds out. This was also denied. They cancelled my ETF request with ACCOUNT FROZEN and no further explanation provided. 
The bank has so far, refused to work with me to solve this, and deflects any request for help.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the failure of all three major credit bureaus ( XXXX, XXXX, and TransUnion ) to properly address issues related to my credit report, despite my efforts to resolve them. 

Failure to Remove Identity Theft Items : I submitted an Identity Theft Report and provided it to each of the three credit bureaus to have fraudulent accounts removed from my credit report. Unfortunately, none of the bureaus have removed the fraudulent items, and they continue to appear, negatively impacting my credit. I have attached a copy of the Identity Theft Report for your reference and request that these items be removed as required by the Fair Credit Reporting Act ( FCRA ).

Charged-Off Accounts : Additionally, I have noticed several accounts on my credit report marked as " charged off. '' However, I did not receive a 1099-C form for these charged-off accounts, which is required under IRS regulations when a debt is forgiven or canceled. I request that the credit bureaus verify the accuracy of these accounts and ensure that they are reported correctly, including the proper handling of the 1099-C. 
Both of these issues are causing significant harm to my credit, and I have made multiple attempts to address them directly with XXXX, XXXX, and TransUnion, but have not received a satisfactory resolution. I am requesting that the CFPB intervene and assist with ensuring that these matters are handled in accordance with federal regulations. 

I appreciate your prompt attention to this matter and request that the credit bureaus be instructed to take the appropriate actions. Should you require any further documentation or information from my side, please do not hesitate to reach out. 

Thank you for your time and assistance.
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. Zelle has repeatedly neglected to protect consumers, leaving its users vulnerable to fraud and scammers.
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 were impossible and that tracking these funds was unfeasible. The CFBPs findings indicate that Zelle not only neglected to protect consumers but had also allowed repeat 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: Debt collection

Iv had a fraudulent credit card account pop up from a company called Comenity Bank. I called them numerous times to dispute the debt and filed police reports and ftc reports on it. Comenity only laughs and calls me a liar. They won't remove this fake debt off my credit report. It needs removed. Iv never used this company.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX  of Debt XXXX  and would like for all listed accounts to be BLOCK AND DELETED. ( XXXX  ) I hereby opted out of all your informational services and branches for the illegal distribution of my information without written consent which is a data breach and invasion of privacy any further trespasses on the account will be seen as a threat against my personal assets and will be seen as fraud and reported to proper lawful authorities.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Acccounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I have been trying to create my account with them online and via their customer service SINCE XX/XX/year> but up to this day, the issue has not been resolved. They told me that they could not verify my identity and asked me to mail and email them my proof of identity and address, which I did but no one even responded. This issue has been ongoing since XXXX. Can you please send them my requests for fraud inquiry deletion and account creation? Also, please forward all attachments needed. For Experian, here 's my username : XXXX, password : XXXX @ XXXX. Experian 's customer service robot has also caused a lot of stress because it couldn't hear and understand a word I say which was very frustrating. Contact # XXXX : XXXX, social secruity # is in the attachments. 

I have been a victim of identity theft and would like to request your assistance to delete the following fraud hard inquiries on my credit reports : XXXX XXXX - XX/XX/year> and XXXX - XX/XX/year>. I have attached here my FTC reports, driver 's license, and social security card. I was told to send this by mail but they said they never received my request. I would also like to bring to your attention the delayed response of Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX INQUIRY, XXXX XXXX XXXX INQUIRY, XXXX XXXX INQUIRY, 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1500.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$950.00} Closed XXXX XXXX XXXX   Reported : XX/XX/XXXX {$55.00} XXXX XXXX XXXX Reported : XX/XX/XXXX {$1800.00} In good standing XXXX XXXX XXXX  XXXX XXXX Reported : XX/XX/XXXX {$1600.00} Closed XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1200.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX  Reported : XX/XX/XXXX {$1500.00} Closed XXXX XXXX, XXXX. 
Reported : XX/XX/XXXX {$950.00} Closed XXXX/XXXX XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed XXXX XXXX XXXX  Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX  Reported : XX/XX/XXXX {$0.00} XXXX XXXX Reported : XXXX XXXX, XXXX {$1500.00} Closed XXXX XXXX XXXX XXXX Reported :XX/XX/XXXX {$1600.00} Closed XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1200.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed XXXX XXXX XXXX   Reported : XX/XX/XXXX {$0.00} Closed XXXX/XXXX  Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$1500.00} Closed XXXX  XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$1600.00} Closed XXXX XXXX XXXX  XXXX Reported : XX/XX/XXXX {$1200.00} Closed XXXX XXXX XXXX  Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX/XXXX  Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX   Reported : XX/XX/XXXX {$0.00}
Product: Debt collection

SENTRY CREDIT has begun reporting an account as a collection on my credit. This account is not solely mine and is currently being negotiated inside of divorce proceedings. I have spoken to agents at Sentry Credit and I have explained that my I am unable to reach my ex regarding this debt, nor do I know where she is, nor am I able to or required to make the full payment. I have further explained that the balance of this account will be paid in full by both my ex and I, once the divorce is finalized. I was misled to believe that the creditor would wait for the final divorce decree before any further action would be taken. This debt is only 1/2 mine and I intend to pay the debt in full with funds that I am entitled to receive in the divorce proceedings.