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

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im hXXXXXXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Vehicle loan or lease

Im the main driver of the vehicle that is in wifes name, soon to be ex, Ive been trying to work with finance company but they want budge.
Product: Vehicle loan or lease

I opened an auto loan in XXXX at Zions Bank when I bought my new car. I regularly paid more than what was due through my account at Zions while I was working there. About a year after I left my Zions employment, I went to the XXXX XXXX Branch of Zions Bank in XXXX, Utah on XX/XX/XXXX, to set up $ 500 monthly automatic payments to be paid from my Credit Union checking account, where all my banking accounts are located. This monthly amount exceeds the monthly amount due. A Consumer Loan Authorization for Automatic Transfer of Funds was completed, signed and submitted it that same day to have my monthly payments start on XX/XX/XXXX. Today, XX/XX/XXXX, the transfer of funds from my credit union to Zions Bank has still not occurred. So I went back to the same branch of Zions Bank today to find out why this has not happened. I spoke to the same Asst. Manager that helped me fill out my original authorization for automatic transfer of funds. She made a phone call to find out why the transfer has not yet been made. After a long period of investigation, the Asst. Manager came back and told me that she was being told that since my previous monthly payments were in amounts more than my minimum amount due, my next payment would not be due until the statement due date XXXX. I was further told that no automatic transfer would occur until then. The only way I could pay more than the statement amount would be to physically come into a branch and make a separate payment. But that would then impact any subsequent regularly scheduled automatic transfers from my credit union. I filled out and had to sign the authorization for transfer of funds thinking in good faith that my instructions on that form, through the assistance of the assistant manager, would be honored by Zions Bank. It seems to me that this practice of not honoring this customer 's commitment of paying a monthly amount more than what is due and on a sequence of dates of before it would be technically be required to be paid, causes financial harm in the form of accrued interest. This should be considered an unfair, deceptive, or abusive act or practice. I filled out my payment- specific wishes in good faith on the approved form with the assistance of the assistant manager. No one ever disclosed to me that my wishes would not conform to the capabilities of the bank to be able to honor it. This is causing additional accrued interest on my loan with Zions Bank.
Product: Debt collection

This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the XXXX XXXX XXXXXXXX XXXX XXXX 
2. The debt must be legally collectible within the states jurisdiction where the creditor resides. 
3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
4. A debt purchase must have an assignment number and be registered with the XXXX XXXX XXXXXXXX XXXX. 
5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
6. This company has posted one or more out dated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to car dealership to apply for a Car, the salesman 's stated they were going to pull from one bank but they did multiple ones. Please REMOVE 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
Product: Debt collection

I am writing to file a formal complaint against SWRecovery concerning a matter that has left me with no choice but to seek your intervention. My name is XXXX, and I recently discovered an unauthorized debt reported on my credit report by SWRecovery. 

Here are the key details of the case : Unauthorized Charge : SWRecovery has reported a debt on my credit report, claiming an account that I have never opened or had any association with. 

Communication Challenges : The contact number provided on their website is unresponsive, and despite leaving numerous voicemails, there has been no response. Additionally, emails sent to XXXX have gone unanswered, making it impossible to resolve the matter through direct communication. 

Unsuccessful Dispute Attempts : Despite my persistent efforts to dispute this charge since XXXX, all attempts have been met with failure. 

In light of these challenges, I have no choice but to escalate this matter to the Consumer Financial Protection Bureau and seek your assistance in resolving this dispute. I have attached relevant documentation, including communication records and proof of my attempts to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX violated my rights Under 15 USC 1681 a number XXXX. XXXX assumed this role without permission not only that you did not have my consent. 
Under 15 USC 1681 a number 4. I did not exercise your grave responsibility you were unfair, you were partial and you did not respect my right to privacy.

already filed a CFPB report and an attorney general 's complaint. I can give you the CFPB report. ( File the CFPB report a few minutes before calling ). 
You never had a permissible purpose Under 1681 b number 2. I never instructed you to furnish this report or to create this report. I never consented to this report in the first place.
Product: Checking or savings account

My estimated federal tax payment for {$2200.00} was stolen from my mailbox sometime after XX/XX/2019, altered and cashed for {$4200.00}. I was not notified that I was overdrawn. I reported it to my local bank as soon as I discovered the check had been cashed for more than written. Corporate Wells Fargo has been in touch but is taking no responsibility and states it will not reimburse me despite my being a stockholder and a long term customer of both bank and brokerage, with no prior problems and an excellent credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX, I am extremely upset with this entire process of disputing incorrect items on my credit report and the bureaus failure to follow the laws according to my rights in the FCRA. 

I mailed out letters to all 3 bureaus on XX/XX/XXXX, disputing some medical bills that are incorrect on my credit report. I called the originally creditor to ask about these items and they informed me that they no longer have me in their system of owing this bill. They informed me that other company now owns the debt, however, I have never had an account with this debt collector. Shortly, after on XX/XX/XXXX I received a letter from TransUnion stating that no actions will be taken cause they believed a third party sent the letter. But, I sent the letter and I experience stall tactics from the bureaus in the past where they will continue to defer action so that you lose hope. I have attached a copy of their stall letter as well as the dispute letters I sent to all 3 bureaus.

The real issue came when I received a bill from a debt collector that doesnt match the company, the amount or the service debt on my credit report. The name of the creditor matches, but not any other information. This has led me to believe that this account is false and the credit bureaus have no way of validating this in fact is my debt and who it should be paid to. Therefore, I demand that all these accounts be removed immediately. This is totally unacceptable and has effected my ability to advance my family 's living situation due to the tarnish it has placed on my credit report. I have attached the false collection notice for your review as well. 

Please help with this situation. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Like this please remove these Inquiries from my credit report ASAP The inquiries are as follows please be mind full I don't authorize any of this XXXX XXXX Date of inquiry : XX/XX/2022 XXXX  Date of inquiryXXXX
Product: Money transfer, virtual currency, or money service

I recieved a threating voicemail around XX/XX/XXXX and when they called back XX/XX/XXXX or XX/XX/XXXX I managed to answer the call the claimed they were calling from Ace Cash Express and have orders to find and detain me unless I proceed to arrange payment on a loan I took out In XXXX. They said they can stop allegations towards me if I pay the about of XXXX $ or They can take me to court and they would ask for XXXX plus and I got so scared i would get arrested and lose my job so I made the first initial payment and made 5 other payments, in total I payed them XXXX . Yesterday they called me harassing me again because my card didnt go throught because its overdrafted since I lost my job I dont have way to pay for that. They threatened to located me at my job and find me at my address and i called them back and they would not pick up. I called my local government office to see if there is any claim against me and they had no records of anything online, I also called ace and they didnt have my loan come up since it was from a while back or the representative was rude and lazy and didnt want to look the information up. Either ace hired someone to collect for them or a scammer scammed me for XXXX . They wouldnt give me an official address for their office, which makes it a scam to me, their name on my bank statements is XXXX XXXX. I have since blocked my card and reported them to my bank.
Product: Debt collection

Summary : Unvalidated Charges/ Debt being pursued by Collection Agency. 

I called the collection agency IQ Data listed on a notice letter within 30 days of receiving. They were unable to provide details or validity of the claims/debt owed, nor was their client : XXXX XXXX XXXX XXXX ( original creditor ). However, please note, the notice letter I received from IQ Data ( attached in the document section ), reads the original creditor listed as XXXX XXXX XXXX XXXXXXXX. 

I mailed a dispute response to IQ Data, sent Certified Mail on XX/XX/XXXX to the address for XXXX XXXX @ XXXX XXXX XXXX XXXX WA XXXX listed on the notice letter received on XX/XX/XXXX - requesting validity of this debt being pursued. I should also mention, that XXXX of XXXX did not send notice alerting me of potential collection action at any time prior to receiving notice of Collection action from IQ Data. 

Additionally, I provided all of my email communication with XXXX XXXX XXXX  and their responses, clearly demonstrating their inability to validate the charges being pursued. Since mailing my dispute over 10 months ago, I had not been contacted in any form ( mail, email, phone ). Nor did I receive a formal response after delivery of my initial dispute letter. 

Subsequently, I received an alert of collections action on my XXXX XXXX XXXX indicating derogatory account notification due to IQ Data collection assignment. 

I sent another dispute letter via certified mail to IQ Data on XX/XX/XXXX. I called the collection agency once again, who confirmed receipt of both disputes, and stating they would mail me proof of validity ( after trying to collect payment in exchange for an instance email providing validity ). My last conversation with the collection agency was demeaning and highly insulting. They have continued to harass me, calling me during my work hours. 

I have diligently strived to maintain top notch credit history, and have had XXXX blemishes on my history prior to this invalid debt being pursued. To this date, neither the original creditor, nor IQ Data has been able to provide validity of the debt being pursued. If there had been objective, empirical evidence provided at any time since being pursued for this supposed debt, I gladly would have paid it off without hesitation.
Product: Debt collection

I am writing to dispute a collection account reported under my name. I believe this debt is inaccurate, and I do not have any knowledge of the account or owe the amount stated. 

Account Details : Collection Agency : XXXX XXXX Original Creditor : Hillcrest Credit Agency Account Number : [ Account Number ] Amount Owed : {$180.00} Placed in Collections : XX/XX/year> Last Verified Date : XX/XX/year> I have no recollection of an account with Hillcrest Credit Agency or any debt related to this account. The original balance is listed as {$0.00}, and no payments have been made on this account. Additionally, I have not received any prior communications regarding this debt. 

I request that you provide validation of this debt, including proof that it belongs to me and that XXXX XXXX is authorized to collect it. If the debt can not be verified, I expect it to be immediately removed from my credit report and that all actions taken by XXXX XXXX related to this account be reversed. 

If this is a case of fraud or identity theft, I ask that you investigate it further and remove any negative impact this has caused on my credit history. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible. 

Thank you. 

Sincerely,
Product: Credit reporting or other personal consumer reports

In accordance with the legal principle " Notice to an agent is notice to a principal, and notice to a principal is notice to an agent, '' I am writing to you regarding the information reported on my credit report. 

I have received copies of my credit reports provided by TransUnion, XXXX, and XXXX, and I have noticed that transactions related to the XXXX XXXX XXXX account with the number XXXX have been incorrectly marked as late payments and this is negatively affecting my personal life and my ability to acquire and build credit.

Legal Grounds for Dispute According to FCRA 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : ( i ) Reports that contain only information about transactions or experiences between the consumer and the person making the report. 
This means that consumer transactions are excluded from consumer reports. FICO and/or any other risk score or algorithm used to calculate a consumers credit score is not part of what defines a " consumer report '' under the law. The legal definition of a consumer report is as follows : Consumer Report. The term " consumer report '' refers to any written, oral, or other communication of any information by a consumer reporting agency that relates to a consumers creditworthiness, credit standing, character, general reputation, or mode of living, and that is used or expected to be used in whole or in part as a factor to determine the consumer 's eligibility for : ( a ) credit or insurance for personal, family, or household purposes ; ( b ) employment purposes; or ( c ) any other purpose authorized under section 1681b of the title.

FICO or any other credit scoring algorithm is not defined or included in this legal definition of a consumer report. Therefore, the report of transactions between the consumer ( myself ) and the entity ( XXXX XXXX XXXX  ) constitutes a violation of 15 U.S.C. 1681a.

Additionally, according to 15 U.S.C. 1666b, on the timing of payments : Timing of Payments Timing of Payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by Section 1637 ( b ), is sent or delivered to the consumer at least 21 days before the payment due date.
Product: Debt collection

I sent the company a certified letter on XX/XX/2022 to Hunter Warfield XXXX INC, located at XXXX XXXX XXXX XXXX in XXXX FL. It was to indicate that the {$2200.00} debt that they say I owe does not belong to me. I did not sign a contract or any form of agreement with this company. 

To date, I have not received a response from them, and the debt remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX  : XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX ( XXXX XXXX Date Opened:XXXX PLEASE DELETE LATE PAYMENTS FROM THE ABOVE ACCOUNT ) ( XXXX Date Opened : XX/XX/XXXX PLEASE DELETE LATE PAYMENTS FROM THE ABOVE ACCOUNT )
Product: Credit card or prepaid card

my consumer rights were violated by Elan Financial services. I XXXX XXXX applied to enter into a consumer credit transaction with Elan financial services which was denied. as a result of this adverse action Elan financial services is in violation of 15 USC 1602p which defines the term unauthorized use as meaning the use of a credit card ( my ssn ) by a person ( your company ), other than the cardholder ( me ), who does not have actual, implied, or apparent authority for such use, and from which the cardholder ( me ) receives no benefit. 

And as a result of this adverse action this has negatively impaired my credit and gave me no benefit.
Product: Checking or savings account

On XX/XX/XXXX I realized that someone had a Applecard issued by Goldman Sacks Bank and had attached my personal checking account number to that card issued to someone other than me. I phoned my bank ( holder of the checking account ), XXXX XXXX  to inquire about the funds that were being taken out of my account. I told them I did not have an Applecard, we called Goldman Sacks the issuer of the card and reported fraud. My bank and I were both on the call and made a fraud claim with their fraud department. I spoke to XXXX in fraud who took all the information prevalent to the claim. She said someone from the Goldman Sachs bank would be contacting me within 7-10 business days. No one to this date has contacted me. When i followed up with Goldman Sachs bank, they had no record of my call. In the initial call, I specifically asked XXXX, the XXXX XXXX for the fraud department intake if there was a claim number or reference ID. XXXX told me at this time no, but someone would follow up with me. I have had no contact from Goldman Sacks Bank. I called again on XX/XX/XXXX and the representative said they could not find anything logged re my call. They responded ; " someone will follow up with you in 5-7 business days ''. I am out {$12000.00} in cash which was taken out of my bank account for charges that I did not make. An apple card was issued to a person, not me, and attached to my bank account. I do not know the apple card number but the person the card was issued to name is XXXX XXXX and the checking account it was attached to was XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Please delete these items IMMEDIATELY!

These Accounts should not be furnished in my consumer report as they are in VIOLATION!!! Under, 15 U.S. code 1681b-Permissible purpose of a consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protect consumer. NO CONSENT IS IDENTIFY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. ( Please see pages 4, 5, 6, 7 and 8 attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit card or prepaid card

I am a victim of identity theft by fraudulent XXXX and XXXX accounts opened with my personal information ( name, address, and credit card information ). A dispute was opened for the {$41.00} purchase with Capital One credit card but the investigation concluded that I will be responsible for the funds due to the unauthorized purchased allegedly being delivered to my address.
Product: Debt collection

On XX/XX/XXXX, I received a phone call from a Mrs. XXXX at the Northern Service Bureau in XXXX, Michigan asking me to return her call. On XX/XX/XXXX I returned her call and spoke with XXXX. XXXX was not nice and proceed to tell me that legal action will be taken against me if I do not resolve these issues. I asked her if she was threatening me with legal action cause that is a violation of federal law. She replied with I didn't say that! I informed her I do collections for a living and it is a violation and if I did that I would be fired. She told me I owe over {$800.00} from the early XXXX and it needs to be paid. I told her my financial situation does not allow me to make payments at this time. She continued to argue with me on it. I did inform her to never call me again.