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

XXXX XXXX XXXX XXXX XXXX XXXX, {$1200.00} and another XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} 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. 
XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My synovus check card number was stolen and used for thousands in unknown purchases. I informed the bank immediately. Inexplicably they didn't return my stolen money ( but they did send another card ). 

This {$2800.00} negative item was the result of fraud and the account should be removed from my credit report : XXXX XX/XX/2019 BALANCE {$2800.00} ORIGINAL CREDITOR XXXX SYNOVUS BANK
Product: Credit card

Throughout my history with this account, I've consistently made sure payments are on time, avoiding any instances of overdue payments. However, I'm uncertain why there are reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be made.
Product: Debt collection

Notice to Principal is Notice to Agent-Notice to Agent is Notice to Principal This is a form of " Conditional Acceptance '' to the commercial estate of XXXX XXXX XXXX to exemplify the falsehood and misrepresentation, observed as defamation of character ; but the allowance of the said debt to the property will stand unless proven false : -Under the Privacy Act of 1974 prohibits agencies to deny the rights and benefits or privileges of the individuals who refuse to disclose their Social Security Number. Please provide evidence that this didn't occur -That the said debt in commercial-estates or was signed with a wet inked signature allowing third party agencies to tamper, adjust, collect and infringe upon the estates private secured common law copyright consumer protection obligations through unlawful debt. Breach of contract.

- Please provide that evidence that the Secretary of Treasury isn't responsible for paying interest on the public debt of the United States and that the commercial public estate wasn't already offset and discharged. 31 U.S. Code 3123 -The Federal Law doesn't protect US consumers, or naturals from abusive, unfair, or deceptive collection practices by third party debt collectors such as XXXX XXXX Equifax XXXX XXXX XXXX 

- Fair Debt Collection Practices Act FDCPA isn't passed by Congress to Protect the consumer ( beneficiary ), can't be liable/responsible for damages.

- That 611 ( 15 U.S.C. 1681 ( 1 ) and isn't in accordance with the accepted STANDARD of metro 2 data field reporting. The information has been proven to be true, correct, or verified.

-Please provide evidence that under15 U.S.C. 168i ( 7 ) that the methods of verification of this account ( s ) weren't in violation and wasn't reported without valid evidence. The commercial estate. 

- Please provide evidence that the XXXX along with XXXX US Congress Apology for American Americans , Motu Proprio Popes Apology to Indigenous Peoples of the Americas doesn't apply to the Consumer Credit Fair Trade. Please share that the AFRICAN AMERICAN trademark XXXX isn't a trademark. 

-Please provide evidence that a common Law copyright refers to a legal doctrine that grants copyrights protection to the original work of authorship and the commercial estates name isn't copywritten. 

- Please provide evidence where the Resignation of Registered Agent Affidavit filing and recording has no worthiness with the Consumer Financial Protection Bureau. 

- Truth-in-Lending Act, a creditor a defined as : A natural person, business, or financial organization that services mortgages loans. A natural person, business, or financial organization that regularly extends credit to consumers. 

- All banks are intermediaries. They never lend a dime. They go between the public and private side of the accounting and lend you your own money XXXX XXXX XXXX, XXXX. Please share where this isn't true.
Product: Checking or savings account

I requested XXXX high yield savings account to transfer my funds back to my XXXX account on XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all these transactions were cancelled and after that they blocked my account for Fraud prevention. They called me to verify the transfer and I spoke to them that I had requested and therefore they were going to do it. 1 month later I still have not heard from that. Today XX/XX/XXXX I called them again and they said my account is under review since XX/XX/XXXX and it should take a week per XXXX at XXXX. But today is the XXXX day and I still have the account on Block status. I have called XXXX and I authorized them and signed the forms they need to request the funds transfer themselves and even with all the forms signed XXXX XXXX is refusing to transfer my funds. I called them several times they said a manager will call me but they NEVER do!

and this same situation is happening with my husband 's account. XXXX is taking our money hostage and refusing to transfer our funds. 

XXXX offers high yield savings account and is operated and owned by Santander Bank
Product: Credit reporting or other personal consumer reports

I disputed incorrect information on my ChexSystems report, requested a full investigation and a deletion of the incorrect accounts but did not receive any. Although I provided all the necessary information required by law on my part. 

ChexSystems has REFUSED to reinvestigate my disputes even though in their letters it clearly states that I have the right to dispute the incorrect information on my report. Under Section 611 of the FCRA, consumers have the right when it comes to disputing items on their ChexSystems reports. Section 611 is often referred to as the " Reinvestigation of Disputed Information '' section. ChexSystems has refused to follow this law and reinvestigate the submitted dispute. I did contact ChexSystems by phone to understand these issues but the representative hang up the phone on me mid conversation. They also sent me a letter on XX/XX/2023 and 3 days later claimed that the letter was sent out by error in another letter. 

In accordance with the Fair Credit Reporting Act The accounts # XXXX/ACCT # : XXXX / XXXX and XXXX/ACCT # : XXXX / XXXX have violated my rights. 

15 U.S. Code 1681c2 - Block of information resulting from identity theft. ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 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.

15 U.S. Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A. section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. If ChexSystems can provide any exceptions to this section of the law then they shall provide me with a clear reasoning.

I request color copies of my Identification including my Social Security Card used to open these account. 

If ChexSystems can not satisfy any of these requests or follow any of these consumer laws, then these incorrect items must be deleted and blocked from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act these companies have violated my rights.

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681-2 Responsibilities of Furnishers of information to consumer reporting agencies.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX
Product: Credit reporting or other personal consumer reports

I sent the identity theft report but they still left it on my credit report
Product: Student loan

Well i have both federal and private loan. I graduated college only owning XXXX dollars. I got out of college and did not get a high paying job and had other bills to pay. Well they steered me towards forbearance on federal loans and gave me low income based repayments plan for my private loans, never telling me that the interest alone would raise my principal by double ... I now pay close to 500 dollars a month for federal and private loans and i now owe around 58000 dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to remove two accounts off of my credit two times via certified mail. Equifax, XXXX and XXXX have not helped me at all! I am seeking to get this resolved. I think my identity was stolen or I was hacked because these accounts arent mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax Inc., XXXX XXXX, and XXXX requesting information in which I have yet to receive a response. All are in violation of my rights as a federally protected consumer. I have been taken advantage of due to malpractice while several laws were being broken under the FCRA. This has caused me financial injury, as well as defamation of character. I have not had the ability to attain new employment, apply for credit, nor have I been able to apply for a XXXX loan due to the pandemic. Under this crisis you've hurt my ability to attain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has erroneously deleted my 2 OPEN active revolving accounts with XXXX XXXX Visa. 

Accounts in question : XXXX XXXX Visa XXXX XXXX XXXX XXXX XXXX  XXXX Mastercard XXXX XXXX XXXX XXXX They re-instated the 2 accounts 1-month ago & then again deleted it again. 

Attached is confirmation letter from Equifax showing they deleted ACTIVE & OPEN accounts that SHOULD NOT have been closed. I never asked them to delete these accounts.
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 recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

XXXX XXXX is attempting to collect a debt that is over 7 years old by contending the close date was XXXX when in fact is was in XXXX. A typical tactic from a collection company to change the dates on a debt.
Product: Credit reporting or other personal consumer reports

I mailed a certified letter with a detailed dispute information to Experian on XX/XX/XXXX. 
Experian received my certified letter according to USPS tracking # XXXX XXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX @ XXXX per USPS delivered notification confirming certified letter was delivered. In my dispute letter to Experian I disputed XXXX closed accounts that I paid in full to a XXXX balance {$0.00} on XX/XX/XXXX. Accounts : XXXX XXXX ( XXXX ) I paid {$650.00} to XXXX balance on XX/XX/XXXX. I also provided supportive PROOF by sending in a copy of a statement with proof of payment amount, payment date, balance, and account status Accounts : XXXX XXXX  ( XXXX ) I paid {$2000.00} to XXXX balance on XX/XX/XXXX. I also provided supportive PROOF by sending in a copy of a statement with proof of payment amount, payment date, balance, and account status. 

On XX/XX/XXXX I received an email notification from Experian advising my dispute results were available, associated with report # XXXX. Despite of providing PROOF with my dispute that both accounts were paid in full to {$0.00} balance, Experian updated my report with INCORRECT account information related to Account XXXX XXXX. 
The updated wrong information showed a new balance of {$2000.00} ( which is actually a credit that XXXX owes me via a refund check ) not a balance owned. Please note the {$2000.00} updated " balance '' was higher than the {$2000.00} disputed balance owed. The details shows the report was updated XX/XX/XXXX, but no recent payment amount listed and no recent payment date listed. paid {$2000.00} to XXXX balance on XX/XX/XXXX. This is due to the fact I paid the balance in full on XX/XX/XXXX, but on XX/XX/XXXX I tentatively set up to have the balance transferred to a new credit card with XXXX interest for XXXX  month introduction period. While opening up the new account the phone agent advised I needed to wait until I received the new card in the mail, then the balance transfer transaction will occur. What happened is that XXXX accepted the balance transfer of {$2000.00}, while the account was already paid to zero balance. 

Despite of providing PROOF with my dispute that both accounts were paid in full to {$0.00} balance, Experian updated my report with INCORRECT account information related to Account XXXX XXXX  The updated wrong information showed the same disputed balance of {$650.00}. The details showed the report was updated XX/XX/XXXX, with incorrect recent payment made on XX/XX/XXXX vs. correct recent payment made on XX/XX/XXXX, showed incorrect last payment amount {$100.00} vs. correct last payment amount of {$650.00}, with same wrong balance of {$650.00} vs. the correct balance {$0.00}. Please note both accounts were previously closed by XXXX in XX/XX/XXXX with balances.
Product: Money transfer, virtual currency, or money service

Good day! I am XXXX XXXX XXXX, owner and repairman at XXXX XXXX XXXX XXXX XXXX. I created a paypal account to serve as one of my payment channels.

After creating the account, one customer sent a payment and the payment got hold. However, after several days, I received an email from paypal saying " You can no longer do business with paypal ( Ref - ID - XXXX ). The email says that I am violating Paypal User Agreement. I am not doing any malicious activity or transactions with my paypal account. I need you help to restore my account so that I can use it again on my business as it is one of the most convenient payment methods of my clients.
Product: Credit reporting or other personal consumer reports

I filed a disputes on XXXX and XXXX, confirmation numbers XXXX and XXXX. 

I filed a dispute at three credit bureaus. The companies have since verified this info with me. Today, XX/XX/year>, I called all three companies to have my disputes cancelled. XXXX and XXXX cancelled right away at my request. 

Equifax, however, refused to allow me to cancel my disputes on my report. They claimed that this was company policy despite it running counter to logic, law, and what the other two companies do. 

Equifax is not allowing me to control the information, in the form of disputes, on my own credit report. This is not legal.
Product: Debt collection

PLEASE VIEW ALL SUPPORTING DOCUMENTS ATTACHED TO COMPLAINT I received a letter from Jefferson Capital stating that I allegedly owed them a debt. Confused on the debt that they were referring to I immediately sent them a debt validation letter on XX/XX/2024 via certified mail. I received notification that Jefferson Capital received my debt validation letter on XX/XX/2024 with a signature as proof. While anticipating a response ( which I never received ) from Jefferson Capital, I received several notifications on XX/XX/2024 and XX/XX/2024 from my credit monitoring sites stating that an account has been placed in collections in my name and is now reflecting on my credit report, when I looked to see what the account is I see it is an account from Jefferson Capital. 

Not only did I send a letter requesting for debt validation I also continued to exercise my rights and demanded that Jefferson Capital cease and desist any and all collection efforts of this alleged debt immediately. 

Jefferson Capital failed to validate the alleged debt that they claim that I owe, and Jefferson Capital failed to cease any and all collection efforts of this alleged debt, and continued collection efforts by reporting this alleged debt to my credit AFTER I requested validation of the debt and demanded that all collection efforts be ceased.
Product: Debt collection

Thank you for your time, my issues are revolving around the amount owed to XXXX for a phone bill. I believe originally this charge was just for 2 months not paid which was under {$350.00}. The amount owed on XX/XX/XXXX was {$700.00} but prior to this date I didn't receive any notice about the debt to this company. I changed my address this year in XXXX and I just received a notice for the first time on XX/XX/XXXX via mail. To add, I never receive any notice in the mail at my previous address either. The inconvenience of the lack of communication unfortunately resulted in a high bill with added late fees concluding at {$820.00}. I strongly feel that this is unfair. I hope that we can agree that these charges will be completely dropped and I won't have to pay the entire bill. Thank you again for your time and I hope to hear from you soon.
Product: Credit reporting or other personal consumer reports

Account Numbers : XXXX ( XXXX XXXXXXXX ) To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # XXXX. I previously sent a dispute letter requesting the removal for this account charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification. 
XXXX. Copies of any documents or records used in the reinvestigation process. 

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law.

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I enrolled in Automatic payment draft with Macys in  XX/XX/2018 and I subsequently started an office renovation that pretty much required my full presence both physically and mentally at the office. Little did I know that 2 months later this would greatly affect me in my pursue to buy my first home shortly after graduating college. It turns out the automatic payment didnt kick in and my credit score took a great hit. I subsequently called the company in questions ( Macys ) and they told me there was no indication that the auto payment was ever set up, I called a second time and they told me there was a recording of me setting automatic payment a few months before but they still couldnt inform the credit bureau of this so it could be removed. I have always been a Macys loyal customer and have never allowed my account to go past 30, I have earned my self a platinum status and do not think its fair this is going on with me as I am having a hard time being approved for a house loan. If it wasnt for this my credit score would be near XXXX because I always have automatic payment set up and consequently pay on time. I hope this letter can help me remove this from my credit score. 

Respectfully, XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

XXXX XXXX sent me a recommendation for a debt consolidation loan from One Main. Since I trusted XXXX XXXX to be legitimate, I expected One Main to be legitimate also. I went to their office where they told me they were charging me 30 % interest. I agreed to that and received my loan. After about 8 months I looked at one of the receipts and noticed how small the principal payment was compared to the payment I was sending each month and decided to calculate the real interest rate they were charging me was 75 %. I contacted the company and spoke to a few people one of which laughed after I told him I know how the financial world works. 
I thought it might be a good idea for me to talk to a debt settlement company regarding the account so I contacted XXXX XXXX who told me they could help me. I worked with them until I found out they were going to charge me 35 % to save me 15 %. I stopped working with them and am now having to deal with One Main damaging my credit by showing the account in collections. 
Im not sure how much they overcharged me before I caught on to what they were doing, but I want this account to be shown as satisfactory or worked out quickly to settle it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiry was added to my XXXX credit report on XX/XX/2017. I've called the fraud department at XXXX XXXX for this inquiry and they have no record of my name in the system. I was transferred several times, and no one could find my name in their system. However, their company still shows up on my credit report. They " can't '' remove it because they have no data information on me. However, someone accessed my report and their name is listed on it. 7 months later, and the inquiry is still there and XXXX XXXX   is doing nothing to take care of the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer report and saw unauthorized inquiries : XXXX ( XX/XX/2021 ) XXXX XXXX XXXX ( XX/XX/2021 ) XXXXXXXX XXXX  ( XX/XX/2021 ) I request to have these removed from my consumer report.
Product: Debt collection

The number XXXX keeps calling my work and cell. Threatening to damage my credit. Swearing and trying to extort additional information
Product: Checking or savings account

This complaint is related to Bank of America at XXXX XXXX XXXX XXXX, Florida XXXX this complaint is on the issues of banking errors, statements but not limited to accounts ending in # XXXX savings. and checking # XXXX complainant is requesting full disclosure of statements relating to both accounts. ANY AND ALL ATMs cards number related to both checking and savings accounts.