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

I have fraudulent charges reflecting on my credit report from XXXX - Genesis Retail, XXXX XXXX XXXX  which I did not charge. I disputed the charge, gave my statement of not making these charges or having credit with their financial institution. 

They replied back in letter form stating I am responsible for the charges and provided me the fraudulent signature that they stated is my signature and charges. 

At this point and time I need to take this to a higher level to dispute these fraudulent charges.
Product: Debt collection

Zion Holdings does not hold a license in my state of Tennessee to collect debt. This has been confirmed by the TN XXXX XXXX XXXX XXXX XXXX This was a fraudulent debt placed on my credit report with no notice as an attempt to receive payment. I was never informed of this debt and this company has very abusive tactics. During this process I it was determined this was not a valid debt and was handled accordingly by the credit bureaus. XXXX XXXX violated several XXXX laws during this process such as failing to read mini XXXX rights when discussing personal information. This occurred 4 times. They also violated the law by texting me without my permission multiple times. On XX/XX/XXXX after receiving a very poorly conducted text message demanding payment and offering full credit report deletion after paying, I informed XXXX XXXX ( fake name ). That this has been handled and it is illegal for any contact to continue. I have now received an email demanding payment again. This is now criminal harassment and attempted theft. This agency is connected to XXXX XXXX XXXX, who just settled several law suites for fraud. It appears XXXX creates fraudulent debts on old closed accounts. This agency is very unprofessional and the way they operate is very obviously criminal. It is apparent within first contact with them you are not dealing with a reputable company. They have several law suites and investigations. I have had to make a police report on this matter.
Product: Debt collection

XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, are in violation of Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. Again they need prior written instruction of the individual to whom it relates. Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974
Product: Mortgage

I was a former customer of Wells Fargo and had my FHA mortgage financed through them from XXXX to XXXX. I would like to have my account reviewed to see if my loan was part of the most recent settlement.
Product: Credit reporting or other personal consumer reports

Re : Demand to Delete and Remove Inaccurate Credit Information To Whom It May Concern at the CFPB : I am writing to file an official dispute and demand that inaccurate and unauthorized negative information be permanently deleted and removed from my credit reports with the major credit bureaus - XXXX, Equifax, and XXXX. I have endured significant financial hardship and distress due to these wrongful credit listings that I have no knowledge of nor provided any form of consent for. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I have federally protected consumer rights to privacy, accuracy, and the ability to withhold permission for information to be furnished to the credit bureaus. The erroneous accounts listed on my credit reports violate the following provisions of the FCRA : 15 USC 1681, Section 602 ( a ) establishes my right to privacy and to have only fully accurate, relevant information reported on my consumer credit reports. 

15 USC 1681s ( a ) ( 1 ) states that no person or entity shall furnish any information relating to a consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

As I did not authorize or consent to the reporting of this inaccurate information : Account # : XXXX or XXXX Last Activity : XX/XX/XXXX or XX/XX/XXXX or XX/XX/XXXX The status shows open on 2 bureaus but closed on the 3rd the furnishers and credit bureaus failed to maintain reasonable procedures as mandated by the FCRA. This represents a clear violation of my consumer rights that must be corrected. 

I have made attempts to resolve this matter directly with the credit bureaus by providing documentation and following their dispute processes. However, they have failed to permanently remove these erroneous and inaccurate items from my credit file as required by federal law. 

Therefore, I am escalating this issue to the Consumer Financial Protection Bureau to demand a full investigation and the permanent deletion and removal of all inaccurate negative information on my credit reports immediately. 

Enclosed is supporting documentation of the inaccuracies along with previous correspondence with the credit bureaus showing their violations. I reserve the right to pursue any and all further legal remedies available to me under the FCRA if this matter is not promptly and permanently resolved through correction of my credit reports. 

Thank you for your timely attention to this serious matter. I look forward to your investigation and the complete deletion and removal of all inaccurate items from my credit reports as mandated by law.
Product: Checking or savings account

This is regarding some unauthorized ACH transactions in my business checking account. The first occurred on XX/XX/XXXX and which Wells Fargo was made aware of on XX/XX/XXXX. After notifying the bank, I didnt think much of it and thought theyd reimburse me but started monitoring my account more closely. The second occurred on XX/XX/XXXX and I notified the bank on XX/XX/XXXX. Both of these transactions were made with a merchant Ive never done business with, XXXX. The bank told me to try and get my money back from XXXX. I contacted XXXX  and was advised to have the bank reverse the ACH charges. I asked multiple times, thinking it would be a straightforward process and was denied. 

In the following several weeks, I discovered more unauthorized ACH charges. In total, in about XXXX unauthorized charges, there was XXXX in ACH fraud. When I notified the bank, they reversed all the subsequent charges. 

I have asked the bank to reverse the first XXXX charges repeatedly, asked for supervisors to review the decision but to no avail. I feel that had the bank taken my first XXXX complaints about the first XXXX unauthorized ACH transections seriously, the rest would not have happened. I also told the bank that I rarely use any business checks for any transactions. These unauthorized ACH transactions occurred after I had made a cash deposit in a branch I dont usually use, while visiting out of state.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit profile & stumbled upon the fact that I have multiple errors on my credit report & I submitted my letters to the bureaus and have yet to receive an response. I have not had any errors corrected & my name and addresses are still completely wrong.
Product: Debt collection

Received debt collections from grant mercantile agency regarding a supposed medical bill that wasnt paid. I verified with my medical insurance and their third party payment processing company that the bill has been paid. I contacted XXXX mercantile with proof via email that the debt has been paid through medical insurance and they have not responded to my emails with included receipts.
Product: Consumer Loan

payment not late, creditor calls XXXX a day starting at XXXX to XXXX.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/2024 I received my credit report and noticed that XXXX, XXXX and Equifax has violated my consumer right to privacy under 15 USC 1681 ( a ) ( 4 ) Right to Privacy & 15 USC 1681b ( 2 ) Permissible Purpose of Consumer Reports. XXXX, XXXX, and Equifax has infringed upon my right to privacy and I never gave them written permission to report anything on my behalf which is in direct violation of 15 USC 1681b ( 2 ). By law it states these agency must have written permission from the consumer who it relates in order to furnish a consumer report. It's been difficult to live my life with these things on my report unlawfully. I demand the following items be removed immediately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of two hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent. 
Inquiry Details : -- TRANSUNION -- XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im having a problem with Capital One Im currently going through XX/XX/XXXX and making payments of {$100.00} every time I make a payment whether its before or after its due date they continue to report it late even when I pay it early Im so sick of this I canceled the card the guy wanted to give me a lecture I dont wan na hear your lecture Ive tried to dispute so many situations with you guys and you do not care about the individual you only care about the dollar and the company I am writing to everyone I am so sick of the way you run your system and you wonder why people are broke homeless XXXX XXXX  and Im not one of those people Im a fighter I went to XXXX XXXX XXXX for four years I paid {$80000.00} to go toTo go to school
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX 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 1666B : 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 IS DIRECTED TO EQUIFAX XXXX XXXX
Product: Credit card

I am writing both in general, to suggest a new consumer protection, and specifically to complain about a company called XXXX ; please forward this email to the appropriate office for possible further action against XXXX. Years ago, I agreed to a recurring charge in order to watch their video products. For over a year, I have been trying through every means possible to cancel the recurring charges on my credit card. I have repeatedly used their online forms and followed the steps listed on their website, to no avail. I tried calling the company ( finding the number was a research feat in itself ), and further got no action. I have repeatedly contacted the credit card company to cancel the charges, and I think the current options for this situation are too limited. Because the charge is so small, generally the credit card company credits my account and essentially pays the bill themselves. I need to do this each month. I was told that XXXX might even find me after getting a new credit card through the same bank, and resume charging me on the new card. It 's incredibly frustrating that my only option seems to be to repeatedly contest the charge each month, with the result that my credit card company rather than myself pays these thieves. 

I think this situation is very common, and I believe new laws and policies need to be pyut in place to help consumers and to make it impossible for this egregious behavior on the part of companies to continue. It should be possible for consumers to permanently remove recurring charges from their credit cards, without the consent of the company involved. This would shift the burden of re-establishing a financial relationship to where it belongs : back to the company that made it impossible to cancel recurring charges. I write to urge you to make this happen. Companies like XXXX should not be able to succeed in garnering money from recurring charges when they make it impossible for consumers to cancel the charges.
Product: Money transfers

I was contacted by XXXX and told that they had a gas scooter I had been looking for in stock. I sent the money by money gram and was given a bogus tracking number. They later contacted me again wanting additional money. Scooter not sent -- -- {$1400.00} lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$82.00} XXXX XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$70.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$160.00} XXXX XXXX  Balance {$660.00} XXXX XXXXXXXX Balance {$160.00} XXXX XXXXXXXX Balance {$70.00} XXXX XXXX XXXX XXXX
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. 

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 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 or other personal consumer reports

XXXX, the Consumer Reporting Agency, has taken over the federally mandated 30 days to investigate inaccurate information. I have sent notice and demand to remove this inaccurate account, including all relevant documentation. Delete XXXX XXXX XXXX XXXX from the consumer credit file immediately. There are multiple violations related to this account, including breach of contract, unfair collection practice, extortion, aggravated identity theft, dishonor in commerce, defamation of character, deprivation of rights, restraint of trade. 

I have offered to repay the money, in the same specie as accepted to create the debt, if a man or woman representing XXXX XXXX XXXX XXXX signs an affidavit under penalty of perjury certifying that XXXX XXXX XXXX XXXX lent their money to purchase the loan agreement from me, the borrower, or if the original unaltered agreement/contract/promissory note is returned to me when I pay. 

XXXX XXXX XXXX, Principal XXXX, XXXX XXXX XXXX XXXX XXXX, New XXXX Delaware, XXXX XXXX XXXX mailing address XXXX, Date of Birth All other related documentation has been received by XXXX, the consumer reporting agency, allowing the company and/or its representatives to correctly identify the consumer. This notice is relative to all XXXX XXXX XXXX XXXX accounts listed on the credit file. 

I simply want full disclosure of the details of the original agreement ( No Copies permitted ) and book entries and assurance, for the protection and benefit of the principal, that the note XXXX XXXX XXXX XXXX received was NOT stolen, swindled, nor counterfeited, prohibiting the principal from fair trade, and violating/breaching the terms of the contract. If the intent is that the one who funded the loan should be repaid, details should include proof that this was not just a conversion of funds/money, nor an exchange, but an actual loan of a sum of XXXX XXXX XXXX XXXX XXXX XXXX What i believe happened was XXXX XXXX XXXX XXXX received my note, acted as a money exchanger, and charged me 100 % + for servicing the account. In this case XXXX XXXX XXXX XXXX would not have funded the loan, but rather converted XXXX specie or money into another, ultimately hiding details of the alleged loan, lacking full disclosure. Then, instead of offsetting the payable account with the receivable deposit, XXXX XXXX XXXX XXXX, continues to request payment for the principal to balance the principal payable account. Response from XXXX XXXX XXXX XXXX should include the principal receivable book entry for the security/notes/credit ( s ) deposited.
Product: Debt collection

I have been through a really hard situation. It has affected all areas of my life ( emotional, familiar, financial life ruined, etc. ). MONTEREY COLLECTION has committed multiple violations of California Deceptive Practices Act, the CCRA, California Rosenthal Act, violation of California Consumer Call Protection Act, California Credit Reporting Agencies Act and Truth in Lending Act : THE COLLECTION IS A FRIVOLOUS DEBT, WHICH IS NOT ENFORCEABLE IN CALIFORNIA, SINCE THERE WAS NO STANDARDIZED TRUTH IN LENDING DISCLOSURES AND TERMS PROVIDED AS REQUIRED BY FEDERAL AND STATE LAW. 

- USING AUTOMATED DIALER. 
- MISREPORTING DATE OF LAST ACTIVITY. 
- RE-AGING ACCOUNT. 
- THE ORIGINAL CREDITOR IS NOT REGISTERED WITH CALIFORNIA SECRETARY OF STATE TO CONDUCT BUSINESS. 
- THIS TIMESHARE WAS SOLD TO ANOTHER PARTY AND THERE WAS NO DEBT TO BE INCURRED. 
- UNFAIR BUSINESS PRACTICES - NEGLIGENCE. 

I already tried to get listened. I sent them a letter via mail but I was ignored. All I am looking for with this complaint is to get a fair solution : To get the debt cancelled and the item removed from all 3 credit bureaus. Here is the account information : Monterey Collection Services, account XXXX XXXX, date opened : XX/XX/2018, original balance : {$7900.00}.
Product: Debt collection

I have requested by way of dispute letters for the collecting agency to validate in writing the debt or remove it from credit reporting agencies, the collection agency has never responded. I also send them a Cease and Desist letter, still no action by collection agency.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX/XXXX-XXXX-Balance {$590.00} XXXX/XXXX-XXXX-Balance {$0.00} XXXX/XXXX-XXXX-Balance {$0.00}
Product: Debt collection

No debt validation, no chance to verify debt, showed up on my credit report, did not receive bills.
Product: Credit card

Synchrony Bank ( Care Credit ) had a credit balance on the account for several months. 
As I was using the credit, the bank made the decision to refund {$24.00} instead of letting the purchases absorb the credit. 
Thus, even though I was told that a credit refund check was on its way to me on XX/XX/2023, as of today, XX/XX/2023, I never have received this refund check. One representative advised me that according to what she could see the check was never actually mailed out to me. 

Synchrony Bank employee contradicted this statement. But cancelled the original check on XX/XX/XXXX and claimed that a new one was issued. 

Unfortunately, no one can offer me the refund check number. 

It is my position that the original check was never actually mailed to me as I have always received Synchrony Bank 's refund within 10 days. 

Or the check was sent to the old address instead of my present address which I have submitted several times.