23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received dispute results on XX/XX/2022 about this alleged account. This company has never contacted me in writing regarding an alleged debt. Furthermore, this company has not provided me with the following : 1 ) A signed contract for debt from the alleged original creditor, nor 2 ) Any and all signed sale/assignment contracts regarding the alleged account from the alleged original creditor to the buyer/assignee ( Hallstrom Law Firm ) ; more specifically, I wish to see just how much was paid from the unspecified alleged original creditor. Per FDCPA. 15 U.S.C. 1692g ( b ), I request validation ( and production ) of all of the records as specified above. In addition to my aforementioned request, I request that there by no contact with neither me, per 15 U.S.C. 1692 ( c ) ; any possible family/associates that may be known to me, see 15 U.S.C. 1692 ( c ) ( b ), nor any known or perceived place ( s ) of employment, see 15 U.S.C. 1692c ( a ) ( 3 ).
Product: Credit reporting or other personal consumer reports

Unauthorized and unverified hard inquiries on my credit report please remove all of them. There is XXXX hard inquiries on my credit XXXX  report, 12 on my equifax and 20 on my XXXX  report that I would like to be removed. The operators always give me the run around and are never any help Ive called and nothing has changed.
Product: Checking or savings account

I have a Chase bank checking account since XX/XX/XXXX. I made a deposit on XX/XX/XXXX at the Chase bank branch in XXXX XXXX, CA. 

The deposit total was {$1200.00}. The payment was made with 3 money orders in the amounts of {$500.00}, {$500.00} and {$210.00} respectively. 

I received a receipt from the bank deposit in the amount of {$1200.00}. 

On XX/XX/XXXX I see an adjustment to my account made by Chase debiting my account in the amount of {$290.00}. The reason noted was unintelligible stating that this was an adjustment to a deposit made for {$500.00} on XX/XX/XXXX. Chase never sent a letter nor email of explanation. 

i called Chase bank at their toll free number of XXXX i asked what the adjustment was regarding and after being placed on hold many times, I was told they did not know and to visit a Chase bank branch. 

i was transferred to a " manager '' who had a bit more information ; they stated the money orders were entered incorrectly and this adjustment was made. They directed me to the digital images of the money orders they provide online, the money order amounts were illegible. The " manager '' stated that they too could not see the money order amounts, but assured me that the amounts were {$500.00} {$210.00} and {$210.00} and not the actual values of {$500.00} {$500.00} {$210.00}. The informed me they could not see the totals and the only was to show proof of the money order amounts was to show the receipt. 

It was very difficult to find the copies but I did. I walked into the brand and showed the money order copies as well as the deposit receipt. They accept the error was made and promised an adjustment, which as the date of this filing they have not credited the {$290.00} to my account. 

I contacted them again today for the status of the credit and they said I provided the wrong copies, yet they still can not see the digital copies of the money orders they accepted. 

i am confident the copies will stand in court if that becomes necessary my greater concern is how they make digital copies of checks and money orders they make available to customers. Apparently, even the bank relies on these images and when images are not scanned properly, they rely only on guessing and shift the blame to the customer when an error occurs. 

Chase bank has shifted to an app-based or web-based bank. Bank branches do exist but the employees and managers of said branches rely on the same source for information as does the customer. So when a check, or in this case money order is scanned, if it's illegible they shift the responsibility to the customer to show proof if an error occurs and completely disregard the deposit receipt provided by the bank at the time of deposit.
Product: Debt collection

Receive daily calls from this company. They have the wrong person. I tell them this daily. They say they will take my name off. I continue to get daily harassing phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND TRANSUNION ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT AND ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE ACCOUNTS AND INQUIRIES : XXXX XXXX  Inquiry date : XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX - XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX XXXX
Product: Debt collection

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.

I am not liable for this debt and do not have a contract with them. They have not provided me with any of the documents I continuously ask for.
Product: Credit reporting 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 items 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 any following accounts 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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) XXXX XXXXXXXX XXXX, XXXX. has violated my rights under 15 U.S. Code 1681 section 602 which states I have the right to privacy, 15 U.S. Code 1681 section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666b ( a ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This collection account is also being reported with several different open/closed dates as well as different balances which is a violation of FCRA and Metro 2 Compliance.

I have disputed this several times in attempt to correct the inaccurate information that is being report, however XXXX XXXXXXXX XXXX XXXXXXXX. has yet to correct the account which violates 12 CFR 1026.13 ( d ) ( 2 ) that states the creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up complaint about being a victim of identity theft. You must remove/block any accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : -
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is deliberately refusing to update my 3 credit reports I have called and spoken to three different people Car was purchased for XXXX Loan amount was XXXX Payments made total XXXX XXXX payments were paid for XXXX plus interest and other charges XXXX XXXX  assessed. We own the vehicle in full with a lien release. 

Yet XXXX XXXX  refuses to Update the payment information to reflect the months of. XXXX XXXX XXXX XXXX and XXXX of 2020. XXXX also Failed to report that the car is Lien releases even though they sent us a lien release and I have repeatedly asked XXXX XXXX  to update the Information being sent to three credit bureaus
Product: Credit reporting or other personal consumer reports

Subject : Urgent Complaint Against Experian, Equifax, and TransUnion for FCRA Violations & Deceptive Practices Dear CFPB Representative, I am submitting this formal complaint against Experian, Equifax, and TransUnion for their continued failure to comply with the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other federal consumer protection laws. Despite providing substantial documentation, these credit bureaus have engaged in repeated deceptive practices, reinserting previously deleted fraudulent accounts, failing to block identity theft-related items, and refusing to remove unauthorized inquiries and inaccurate personal data.

Violations & Consumer Harm : XXXX. Failure to Block Fraudulent Accounts ( FCRA 605B ) * I submitted an FTC Identity Theft Report and Police Report, which legally mandates credit bureaus to block fraudulent accounts within four business days. 
* TransUnion, Experian, and Equifax failed to comply and instead allowed creditors to " verify '' fraudulent accounts without actual evidence. 
XXXX. Reinsertion of Previously Deleted Fraudulent Accounts ( FCRA 611 ( a ) ( 5 ) ( B ) ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were previously deleted due to fraud but were reinserted without notice, a direct FCRA violation.

XXXX. Failure to Remove Unauthorized Inquiries & Personal Information * Despite multiple disputes, fraudulent inquiries remain on my report, affecting my credit score. 
* Incorrect phone numbers and addresses linked to fraudulent activity remain on my file. 
XXXX. Re-Aging of Debt ( FCRA 623 ( a ) ( 2 ) ) XXXX XXXX XXXX, and XXXX XXXX re-aged accounts, making them appear more recent and damaging my credit. 
XXXX. Failure to Conduct a Reasonable Investigation ( FCRA 611 ( a ) ) XXXX The CRAs simply parrot back creditor responses without requiring proper validation. 
* Under FCRA 609 ( a ) ( 1 ), I am entitled to documentation that creditors used to verify the debts, but the CRAs have failed to provide any proof. 
Requested Relief & Compensation : XXXX. Permanent Removal of Fraudulent Accounts & Unauthorized Inquiries XXXX. Full compliance with FCRA by blocking identity theft-related items immediately XXXX. Compensation for Financial & XXXX XXXX ( XXXX XXXXXXXX actual & statutory damages ) XXXX. Investigation into deceptive practices by these CRAs and enforcement action I demand immediate action on this complaint. If no resolution is reached, I am prepared to escalate this matter further, including legal action against the credit bureaus. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I checked my credit report and and realized it was some unauthorized inquiries on my credit report in which I would like removed Unauthorized inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX I applied for {$250.00} loan from Solo. By that evening it was financed. So they received the money from the lender but it was never made available for me to withdraw. 

You CAN NOT speak with a live person. The chat function is very glitchy and takes forever to get a response. Nobody will sit for 10 minutes just waiting for a response that doesnt even make sense. There is no logical conversation to be had thru their chat. I had attempted to contact them at minimum of every other day. Its ridiculous. 

If they deduct {$290.00} from my account & I still have to PAY BACK the person that actually gave me the money it will snowball my finances as I am one paycheck from being homeless. I already dont have transportation. That {$300.00} is all my food for a month. I can not do it. Its just me I have no one else. 

ALSO, they only NOW have it that u can turn off the donation to the platform. They NEVER put in the directions that u could turn it off. I have paid tips to Solo for EVERY SINGLE LOAN. Even this one. I only found out from XXXX that u could turn it off. Its always been mandatory. Extremely deceiving.
Product: Credit reporting or other personal consumer reports

My credit has been involved in the data breach with the Credit Bureau I would like to get my credit cleared of all information because my information was taken in the data breach.As to law code 15 U.S. Code 1681, which falls under the Fair Credit Reporting Act ( FCRA ). This section governs the collection, dissemination, and use of consumer information, including credit information. My information has been breached so I would like to get my information corrected and cleared they have violated my privacy and rights.
Product: Credit reporting or other personal consumer reports

As of XXXX XXXX is reporting an Aid-vantage Account status incorrectly. Their inaccurate reporting is damaging my Debt To Income ratio resulting in my inability to qualify for loans and credit. 
XXXX is reporting outdated addresses in the Personal Information section of my consumer reports. These outdated addresses are not deliverable and inaccurate. Also as a previous victim of identity theft I understand how this could leave me open to fraud.
Product: Checking or savings account

I filed a reversal for charges on my bank account with Wells Fargo customer service on the XXXX of XXXX. As shown in the documentation, the provisional credit was reversed on the XXXX of XXXX. 

On XX/XX/XXXX, I checked my bank account and saw the two charges from XXXX  : XXXX on XX/XX/year>, and XXXX on XX/XX/year>. Before that I contacted XXXX  and agreed to a box charge for the XXXX of XXXX in the previous month- XX/XX/year>. The agent, XXXX, confirmed my delivery and she confirmed that the price of a box would be credited to my account. 

The agent I spoke with specifically said : " The best thing I can do here is to process a credit which will automatically apply to your next full price box. '' Acting under this information, the credit would have applied to my delivery slated on XX/XX/year>. Yet I was charged anyway, as evinced in the document showing the remaining money on balance in the XXXX  website and the charges on my account. 

As for the premium recipe surcharge, I do not recall ordering anything with premium recipes on my order, and I don't understand why this premium recipe surcharge is almost half the price of a whole box.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Summary, I have excellent credit. I rarely get hard queries on my report because I'm very sensitive about doing credit pulls. I went to XXXX XXXX and my wife wanted to buy something. They offered me an additional 25 % on the purchase if my XXXX 's account was inactive. I said what does that mean, they responded, if you're account hasn't been used in a long time ( undefined at the time ) you could be eligible. I said sure is there an easy way to find out. They said yes. I explicity stated there is not credit pulls on this, is there - they said no. I said great. Then they noticed my card was expire or wasn't updated because new cards have a chip. They said we can reissue you a new card. At this point i got home and received a new card in the mail and sure enough, i got an alert from my credit monitoring company that XXXX XXXX XXXX ran credit on me WITHOUT my consent. I have emailed and called XXXX 's about this with no response. I will be pursing legal action on XXXX 's if they don't get this remidated. I noticed i could file a complaint with CFPB because i'm sure others went through this exact process and this is plain freveloous not letting customers konw they are doing a credit pull without the express content of their customers.
Product: Debt collection

On XX/XX/2019, the company Select Management Resources attempted to contact me at my place of employment. The representative who called was advised that my work was not a an option to contact me as it is a place of business and to not contact again. The represent XXXX XXXX, a title loan company in XXXX, Ohio. XXXX XXXX was already informed prior to this communication that I had an attorney retain for Chapter XXXX bankruptcy. Select management has continued to contact my work phone number daily and has been told each time to stop calling that number and yet they continue to contact. The phone number that comes up on the caller id do not work to call back. So, they are contacting me after they were told to stop by my employer and after they were provided with valid attorney information regarding bankruptcy.
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 CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and zelle failed to invesitgate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPBs findings indicates that zelle has not only neglected to protect consumers but has 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: Prepaid card

Cash App is refusing to release my money by falsely claiming XXXX charged me twice. XXXX confirmed they only charged me once, but Cash App has the same transaction listed twice one as Completed and the other as Pending. Theyre using this to justify holding my money instead of releasing it. The charge is in the amount of XXXX duplicate transactions. Also XXXX is refusing to cancel the pending charge saying there is no pending charge so one of these companies is lying.
Product: Credit reporting or other personal consumer reports

By law 15 USC 1681 and 1692 ( b ) can not published any item on key consumers credit report with my written consent and permission. Please delete. 
looking {$1000.00} per violation remedy Per law 15 USC. 1681 & 1692 clearly states Experian, XXXX and XXXX must delete these items from Credit report immediately. 
Thanks
Product: Credit reporting or other personal consumer reports

I have written to the credit reporting agencies disputing inaccurate information thats reporting on my consumer file. There are names, Addresses, And DOB that are not accurate so they need to be corrected and removed from my file. I have written numerous letters and these inaccurate items are still reporting on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX account number XXXX High Balance is reflecting XXXX dollars however the balance due is reflecting reflecting {$520.00}. The highest balance being lower than the balance due doesn't make sense. This is a violation of the FDCPA delete immediately I disputed with Experian, XXXX XXXX, XXXX and XXXX XXXX XXXX on XX/XX/2018 and they stated that it was verified, which it was not and these accounts are continuing to report, which is a violation of the FDCPA and needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Collection Account Account Number : 8568 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.