23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

We have received another scam letter f rom Hunter Warfield, claiming t hey are attempting to collect a debt for a company we 've never encountered and an amount we 've never owed. I am well aware how these organizations work in attempting to purchase debts from creditors, manipulating people with similar names into believing they owe a debt that is not their own, and harassing said people until they give in and pay a debt they do not owe. I will not stand for this again! Companies like this should be taken down by the government for their deceptive and shameful acts of extortion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan showing open XX/XX/XXXX with the XXXX XXXX, which I did not open any loans with anyone in XXXX. When I contacted the XXXX XXXX on XX/XX/XXXX XXXX there said they had no loans for me only a denial in XXXX and told me to contact their corporate. The corporate office said they did not see a loan for me and said to contact the collection agency listed on my report. When I contacted Vance and Huffman they said they did not have a file for me and to contact XXXX XXXX. I spoke with XXXX XXXX and told them what was going on and they said they would put in a dispute. Then on XX/XX/XXXX I received an email from XXXX XXXX XXXX, Esquire General Counsel For XXXX XXXX XXXX stating We had previously sent you communication wherein you had the opportunity to dispute the above referenced debt. As thirty ( 30 ) days has lapsed, the above reference debt is deemed valid. I have never received anything from this company or any other company regarding this debt of any type. So I then send this company and email stating I wanted validation of the debt and all information regarding this debt as it is not correct. I did not receive an email or any contact back from them so I called on XX/XX/XXXX and asked about the email and they said that was just their response for the XX/XX/XXXX dispute and that it is still under dispute. I have not heard anything else from any of those 4 companies or received any type of validation or information I requested from them. On XX/XX/XXXX XXXX claimed my dispute came back validated as my debt but would not clarify what information they received as proof that is was mine or provide me with any other validation or proof to me. If something is showing up on my report I have the right to know exactly what it is and to have legitimate proof of the information. Again I did not open any loans in XXXX with this company of any kind.
Product: Vehicle loan or lease

on XX/XX/year> payment was received in and signed for by an XXXX XXXX. I have called everyday with an update on my account and each time I call nobody knows what I am talking about despite having emailed proof of payment being sent. Each day I am told it is " being escalated '' and I will receive a call back in 72 hours. That call never happened. I continue to call, send the email to them with tracking and proof of it being received and signed. In addition, I asked for the number to company that has possession of the vehicle so I can turn the key in as well as retrieve my personnal items. NOBODY answers that phone and you are asked to leave a message which I have done MULTIPLE TIMES and never a return call. I need to retrieve items belonging to my company as well as my keys to get into my apartment and several items that could cause someone to steal my identity. 

I have attached proof of tracking as well as proof of delivery provided by the USPS
Product: Checking or savings account

Wells Fargo has consistently charged overdraft fees on withdrawals despite having enough money in my account.
Product: Debt collection

Debt was from a fraud account opened by some one else, XXXX has reported inaccurately.
Product: Checking or savings account

I opened a savings account through chase.com back in XXXX. When opened online after clicking on promotion its immediately says as you begin application coupon automatically applied ... so in XXXX I wondered why I still had not received my {$150.00} promotion even after completing All task ... I contacted chase on XX/XX/XXXX they immediately said there was no coupon applied to my account upon opening ... I then went back to chase. Com and preceded as I was going to open new account same message coupon automatically applied. So I told rep this is a error on Chases side they opened a investigation I would hear something by the XX/XX/XXXX I didnt so I contacted them on the XX/XX/XXXXthey said I would hear something by the end of the day in which I didnt so again I reached out on the XX/XX/XXXX and they are still giving me run around saying the investigation is still in progress. So basically I opened a savings a count with chase with a balance of XXXX and they have held my money since XXXX and I have made XXXX in interest and now they are trying to XXXX me out of my {$150.00} after I did everything on my part I could have easily put my XXXX somewhere else and be growing interest at more then XXXX in 4 months
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has openly and continuously discriminated against me as a consumer which is causing extreme harm to me. 

Pursuant to 15 U.S Code 1681 ( B ) ( 2 ) Permissible Purpose. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. - which is me as its my report- I have not granted nor given written consent for Transunion to furnish my Consumer report.

Neither did I grant permissible consent for them to disclose my personal information.

15 U.S. Code 1681a - rules of construction ii ) communication of that information among persons related by common ownership or affiliated by corporate control or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. 

Transunion has a grave responsibility with fairness impartially and respect for the consumers right to privacy. My right to privacy was violated without my knowledge and consent
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding EQUIFAX 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XXXX XXXX, I disputed several fraudulent accounts and provided Equifax with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Equifax failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX  bulletin underscores Equifax 's failure to uphold consumer protections under the FCRA.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXXXXXX XXXX XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXXXXXX XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX ( Original Creditor : XXXX SXXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX, XXXX : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

XXXX XXXX is attempting to collect a debt on behalf of XXXX  XXXX  in the amount of {$8100.00}. This has been reported on my Credit Report. 

There was a class action settlement case # XXXX, US District Court of Texas XXXX against XXXX XXXX in which I was partied to, in which XXXX  XXXX  has agreed to debt relief of the debt owed to invitation homes. Therefore the information being reported in accurate and needs removed.
Product: Credit card or prepaid card

XXXX Store Card - Pay double, sometimes triple the minimum amount every month, If I don't time it just right they charge a XXXX dollar late fee even If I paid well over the amount early enough to cover several months of payments. 

I have the chat log conversation with their rep. and was partially able to rectify the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report so I am able to purchase a home for me and my family .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions IdentityTheft Affidavit . 
Please delete these items as soon as possible : I noticed this problem in XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Reported : XXXX. XXXX XXXX  + {$13000.00} Is reporting to my account fraudulent On my XXXX credit report it is reporting me as the authorize user which I have no consent to be so I am hereby requesting that you immediately block the following information from my credit report, as it is the result of identity theft, pursuant to Section 605B of the Fair Credit Reporting Act : [ List specific details of the information you want blocked ]. 
Please also send the required notifications to all furnishers of this information regarding the blocking of this data.
Product: Credit card or prepaid card

PayPal MasterCard has refused to allow me to use my email address to set up an online account to make payments, view transactions, and receive statements. I have spoken to customer service and other staff and managers with PayPal and have not received a solution. I have to make payments by phone or by mail.

Synchrony Bank is the servicer. PayPal and Synchrony Bank are blaming each other for the system error like children, instead working together to resolve the system glitch or whatever is causing this simple, mechanical issue that seems to be not accessible for my account.
Product: Credit card

I have a credit card with Suntrust bank with a {$2500.00} limit. About {$2000.00} is on the card. Minimum monthly payment was about {$59.00} - I 've been paying {$65.00} a month on time for XXXX years with no lateness. Was XXXX late in XXXX of this year - by mistake, did n't realize they 'd be close due to a holiday - bank assessed a {$35.00} late fee and raised my minimum payment. In XXXX was also XXXX day late due to XXXX that closed almost all business in TN. ( I live in XXXX ). but for the past XXXX months they 've still gotten {$65.00} every single month, only being late those XXXX times. Still, they assessed {$140.00} in late fees - and have raised the minimum to the point where I ca n't pay it - even after they 've been getting paid for XXXX months absolutely on time. They did agree to waive the late fees but even after paying my normal payment they 're insisting I pay them {$75.00} more this month or they 'll continue to assess " late fees '' and wo n't adjust the minimum payment. they claim there 's nothing they can do - and they wo n't guarantee my minimum payment will go back to where it was. I 'm between jobs and struggling to pay my basic bills - do I have any protections here? It 's not like I was weeks or months late - and it seems to me if they waived the late fees, it 's admitting they got paid. For them to act like the 'minimum payment ' they 've ( arbitrarily ) set is somehow beyond their control seems ludicrous. I still have good credit, and have XXXX other loans with them, both of which have been paid on time for years. 

help! 

best, XXXX XXXX, TN
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 failed to investigate my claims adequately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request a correction of the following information that appears on my XXXX, XXXX, XXXX XXXX report : XXXX, Account number : XXXX XXXX XXXX XXXX XXXX The report shows I currently owe money a balance of {$2800.00} to your company that I has already been paid from XXXX XXXX XXXX on XX/XX/XXXX when the vehicle was returned. The vehicle was purchase from the dealership and as well as all payment obligations were also handled with buyer. Also upon viewing my credit report payment history was reported incorrectly. Payment history has not been reported from XX/XX/XXXX to XX/XX/XXXX and for the year of XXXX it is reporting I made no payments. With this inaccuracy reporting has hindered me from any lenders to deal with me. This is not fair to me at all!
Product: Debt collection

On XX/XX/XXXX, I provided First Collection with a certified letter requesting validation of debt. They removed the collection account from my credit report on XX/XX/XXXX. On XX/XX/XXXX, First Collection reported the account again on my credit report. This has continued since XX/XX/XXXX, First Collection removing the account and re-adding the account without validation.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX Card regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX has failed to provide adequate validation and verification of the debt they are attempting to collect. Despite my formal request, they did not supply sufficient documentation to substantiate the legitimacy of the debt. This failure to validate and verify the account constitutes a violation of my rights under the FCRA. 
XXXX XXXX XXXX Balance Owed : {$980.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/19, I set about freezing my credit report. I had no problem with XXXX or XXXX XXXX. When I attempted to freeze my report with Equifax, I am one of their victims, I was asked a series of questions regarding some distant credit accounts that are no longer active. I answered incorrectly somewhere in the process so they will not freeze my report. They will not give me a report because I can't tell them what is on it. So I can't freeze, mean while the others worked with me to get it done. The person on the phone then told me I would have to send a hard copy of my social security card to them. I can't believe they are even allowed to request this. I want Equifax to remove me from all of their files and leave my personal life alone. I want nothing more to do with them. They are the incompetents who allowed my information to be stolen. They are heavy handed thugs who control my information for their profit. They will not allow me to protect myself because I can not meet their self imposed criteria.
Product: Credit reporting, credit repair services, or other personal consumer reports

This situation involves a violation of 15 US Code 1681s-2, which outlines the responsibilities of entities providing information to consumer reporting agencies. They failed to furnish me with a written notice about the account before it was reported. Consequently, I am requesting the removal of this account from my credit report due to my disagreement with the asserted debt. 

Furthermore, their actions infringe upon my rights as stated in 15 U.S. Code 1681b ( 2 ), which delineates permissible purposes of consumer reports. They reported the account without obtaining my consent and improperly utilized my social security information. In light of these circumstances, as a victim of identity theft, I am invoking 15 US Code 1681c-2, which mandates the blocking of such data without my explicit written permission. 

According to 15 US Code 1681a ( 4 ), consumer reporting agencies are obligated to uphold my right to privacy. Unfortunately, this right has been violated, as the public reporting of this information by your organization occurred without my authorization. 

I insist on the immediate removal of this account from my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

I have been fighting with the credit bureau about this debit that ERC is reporting on behalf of XXXX. I went and returned equipments and paid my finally bill. And now this same debit is sold to another company trying to collect again.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I was the victim of identity theft where a person stole my entire wallet and proceeded to run up {$21000.00} of expenses on my XXXX credit card. Upon discovery that my wallet had been stolen, I immediately contacted the XXXX XXXX Police Dept. and filed a theft report the following day. I filed a claim with XXXX that my card was the subject of fraud and identity theft. XXXX is the only credit card in my stolen wallet that refused to remove the fraudulent activity from my account and is holding me liable for the charges. I have disputed this negative reporting with all 3 credit bureaus and supplied substantial documentation that I was the victim of theft, identity theft and fraud. None of the bureaus have removed or blocked the XXXX account from being negatively reported as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One keeps updating the balance on my PAID charge-offs.. This is really hurting my score and would like Capital One to delete the paid charge offs from my report completely.
Product: Student loan

Nearly a month ago I requested a refund for payments made towards my student loans during Covid. 

I have spoken to Aidvantage and they have not moved forward in regards to getting the refund issued. I have no updates, only that it is still processing. 

I was told initially that it would take approximately 4 weeks for the refund to be issued, and I am no closer today than I was a month ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/ XXXX XXXX XXXX XXXX REPORTED MY CARD AS 30 DAYS LATE, MY ACCOUNT WAS NEVER PAID THIRTY DAYS LATE. I SPOKE WITH A REPRESENTATIVE NAMED XXXX WHO TOLD ME TO DISPUTE THE CLAIM WITH THE CREDIT BUREAUS BEING THAT I WAS NEVER LATE. I REPLIED AND STATED THAT THIS COMPANY SHOULD CORRECT THE ERROR NOT ME.
Product: Debt or credit management

I have used square to receive payments of my merchandise for a couple of my clients overseas, and they deactivated my account and holding the funds for XXXX  days and refuse to tell me the reason, and I ship the merchandise to the clients and they received everything and still didnt get paid they are holding my funds for no reason
Product: Debt collection

I understand the importance of removing any incorrect information from my credit report according to FCRA XXXXB. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an car loan with XXXX. The car was totaled and the insurance company left an XXXX balance in the account. They reported that 2 payments were late when the car was paid off already. I was never late on the payments. The car was totaled since XX/XX/2019. They received a check in XX/XX/XXXX, so how can XX/XX/XXXX and XX/XX/XXXX car payment be late. This is ridiculous and they need to remove those 2 negative remarks off my credit. I even called them to resolve this issue and the situation got worst!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried contacting Equifax in regards to this matter I have inquiries on my credit file that I did not approve or do every inquiry on my credit file is incorrect. Ive tried to contact them to remove it. I have a credit freeze on my file so Im unsure on why would any inquiries even appear on my credit file.