23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay. 

To Whom It May Concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i.

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to resolve this acct since XX/XX/2018 with no resolution from Experian and XXXX. I have sent SEVERAL account verification requests and this acct with XXXX XXXX XXXX has not been verified by XXXX or Experian. I also sent a validation request directly to XXXX  and they couldn't verify the requested information. I have attached letters sent to credit bureaus and XXXX. Also there's attached the answer from XXXX with the validation request. 

I need your help to resolve this matter. Thanks for your prompt response and cooperation with this matter.
Product: Credit reporting 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. 

Account Name : 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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit 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 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: Money transfer, virtual currency, or money service

I am writing to formerly express my concerns regarding Zelle 's 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 that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's 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. This lack of accountability and transparency is unacceptable and raisers serious concerns about consumer safety.
Product: Debt collection

In my Complaint # XXXX that was filed with CFPB against Hunter Warfield, the company responded by sending a copy of a rental contract and final statement. Neither of these have my last name only my first. This is not a validation of debt owed. My name is very common.
This rental contract is XXXX XXXX not Hunter Warfield.
Hunter Warfield does NOT a business license in the State of Alabama to conduct any business or to collect any debts. I request that this debt be removed from all 3 of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, CrediBureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I C SYSTEM at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX has been sending me collection notices in the amount of {$390.00} the collection has been reported past due. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Product: Debt collection

Navient, the loan servicer for XXXX XXXX Student PLUS loans will practically harass you by calling at least 10 times a day and when you answer the call in attempt to make payment arrangements based off of your income become rude, insensitive and almost hostile.
Product: Credit card or prepaid card

I made a promotional purchase for 24 month interest free. The purchase was on XX/XX/2016 for {$1300.00}. Every payment I made I would make sure it was applied to my promotional balance, as I was repeatedly emailed the answer that the promotional balance was paid first. Because of the interest not being charged if paid before the promotion expired. I have every bill from when this account was created and almost every payment was not applied towards the promotional balance. Over {$2100.00} of on time payments were not credited towards my promotional balance. Now I have a court summons, which I will answer with and submit all this evidence. There is also a letter from Citi Bank / Best Buy stating there was fraud on my account of over {$500.00}, that was never resolved. They transferred the account to a new card, and more charges were added on to the bill. With no reference of the charges. Now the amount owed reached over {$3000.00}. The customer service could not answer any questions about the balance or the payments. I believe this is very deceptive practice.
Product: Debt collection

An agent of XXXX XXXX XXXX ( Enhanced Recovery Company , LLC ) place place a negative claim in my credit bureau record for an amount of {$300.00}. The negative claim resulted from the following. In XXXX 2013, I changed my XXXX XXXX XXXX home-phone service from analogue to digital and separated the billing for my wireless phone service from the billing for home phone. The combined billing account was closed as XXXX XXXX XXXX now bills me separately for UVERSE ( TV, home phone, and internet ) and wireless phone/data. Apparently, this change caused some confusion at XXXX XXXX XXXX and resulted in the XXXX XXXX XXXX claim that I still owe money under the combined billing account. I emailed the XXXX XXXX XXXX customer service to get the account straightened out, but they passed me from XXXX department to another but none of the departments has all the information needed to resolve the problem. I wrote a letter to XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/2013 requesting that they assign the case to someone that can have access to all the information needed to resolve the matter. A copy of the letter and the response from XXXX XXXX XXXX dated XXXX/XXXX/2013 are attached. As you can see from the attachment, all that XXXX XXXX XXXX did was provide me a meaningless standard response. XXXX XXXX XXXX has tried several times previously to use the collections system to bully me into paying them an amount of {$300.00} that I do not owe to XXXX XXXX XXXX. I requested XXXX and each of the several collection agencies that XXXX XXXX XXXX used at different times to provide me an itemized list of what led to the debt that XXXX XXXX XXXX claims against me, but nothing was provided to me.
Product: Credit reporting or other personal consumer reports

9. Describe el problema I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX  XXXX XXXX ) : ( XXXX ) Please Investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I told Transunion reinvestigate these Hard Inquiry : However, they stated everything was complete and accurate. 
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 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 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

I have sent numerous letters to the XXXX credit bureaus asking them to update my personal information such as my name, address and employment history. The XXXX credit bureaus have not updated my personal information. 


I have attached a copy of my driver license and current utility bill which reflects my current address as proof of identity.
Product: Credit card or prepaid card

I live in California. I purchased baseball tickets from a company called XXXX on XX/XX/XXXX for a game in New York on XX/XX/XXXX for {$140.00} using my Wells Fargo debit card. 
Because of the Covid -19 situation, I quickly changed my mind about attending the game and I planned to resell the tickets. However, to this day, I have not received the tickets or an answer from the company. 
I open a dispute with Wells Fargo and they told me I had to wait until XX/XX/XXXX, the day of the original game, to see if I receive the tickets. 
I received a letter on XX/XX/XXXX from Wells Fargo stating that since the purchased was made from me or an authorized person, the dispute was decided against me. 
I never disputed I made the charge. I disputed I never received the product I paid for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I created an online account with XXXX XXXX / XXXX XXXX. The sign-up process requires that you share your social security number with them. I initiated an online chat conversation with a customer service representative to inquire about the firm 's underwriting standards ( loan-to-value ratios and required down payments ) for single-family investment properties. I explicitly stated during this conversation that I was not applying for a mortgage with XXXX XXXX and I did not want my credit score pulled. Within the week, my credit score had been hard pulled by XXXX XXXX  twice explicitly without my consent.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my Equifax report and seen this account all reported by Equifax the same day, I believe that equifax made a mistake reporting. This is not my account. Speaking to the original creditor, no knowledge of who this was. I did file a XX/XX/XXXXwith the FTC reference # XXXX Collection Agency XXXX XXXX XXXX  Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$350.00} Amount {$350.00} Status Date XX/XX/XXXXXXXX StatusXX/XX/XXXX Date XX/XX/XXXXXXXX, XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX XXXX XXXX XXXX  Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES REINVESTIGATION IN PROGRESS Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursant to 18 USC 8, I owe no debt, This company XXXX XXXX XXXX is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX XXXX Acct XXXX XXXX XXXX Georgia XXXX XXXX XX/XX/2022 Amount {$290.00} Amount {$500.00} The company refuse to except the fact that I spoke to the hospital and they do not have a bill for my name or social. They are very rude and they speck to you in a disrespectful manner. Not to mention XXXXXXXX XXXX XXXXXXXX has no contact information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This began in early  XXXX  when I tried to open an account on Social Security dot gov. After entering my name, address,  DOB  and SS #, I was taken to a screen to verify my identity. EACH question asked about something that did not apply to me -- i.e., to verify a past address where none were correct, to verify a car loan or lease when I have NEVER had a car loan ( with the next question asking how much my monthly payment w as ), to ve rify a mortgage with a company I 've never dealt with ( and a corresponding question about the monthly amount of loan ). When ALL questions were answered " None of the above, '' the system locked me out.  After two days of  trying to contact someone at SS, I was able to speak with someone who said their security screening comes from a " credit reporting bureau in  XXXX . '' They suggested I get a free credit report from all  XXXX  credit bureaus and I did. Both  XXXX  and  XXXX  were no problem -- their security questions were all accurate and I received my credit reports online with no problem. Equifax, however, asked ALL false questions. Each  one (   as above ) asked questions that did NOT pertain to me and it locked me out. Equifax is located in  XXXX . After days of trying to find a human to speak with, I was told that they could not " verify '' my identity ( all false questions agai n ) and s aid they would mail me a credit report. When I receive it, there was a false alias -- my correct name, but spelled wrong --  and two fal se addresses. They  did ( apparently )  successfully remove the wrong name, confirming over the phone that the person reported did NOT match my ss # o r DOB. After MULTIPLE  promises that they have deleted th he two false addresses, they are STILL showing up on my report. ( I have THREE disp utes now that each say they have removed these addresses! ) I STILL  get four f alse security questions every time I try to get an Equifax report and get locked out every time. I STILL CA N'T OPEN A SOCIAL SECURITY DO T GOV ACC OUNT because Equifax is feeding them the wrong background information about me! HELP!!! This has been going on for WELL over a month and the man I finally spoke with today (  XXXX   )  was extremely rude, saying that I was obviously told the addresses were removed in error and implied that the only reason they 'd still be on my account would be if a debtor had CONFIRMED that these addresses in fact belong to me! He said that he would have my complaint sent to the fraud department, where it can take up to a MONTH to get resolved!! I have spent HOURS and HOURS trying to work with Equifax on this!
Product: Debt collection

On XX/XX/XXXX I received a respond from " Caliber Team '' who informed me that Caliber started " servicing '' of my alleged " loan '' on XX/XX/XXXX and that on XX/XX/XXXX the " servicing rights were released from Caliber and transferred to XXXX. 

This information contradicts with all prior letters mailed to me by XXXX companies on Caliber 's letterheads where these XXXX companies ( servicers under CFPB Rules ) insisted that Caliber started servicing my " loan '' XXXX on XX/XX/XXXX, XXXX, This information contradicts with undated letter singed by " XXXX XXXX  XXXX XXXX who claimed that " servicing '' of alleged loan was transferred to Caliber on XX/XX/XXXX, as Caliber 's loan XXXX. 

I demand to verify which " loan '' was " serviced '' by Caliber - XXXX or XXXX ; who appointed Caliber as a Servicer, with the name of the company and names and contact information for the individual employees who hired Caliber as their Servicer and issued directions to Caliber 's individual employees. 

I demand to verify when exactly Caliber started " servicing '' of my alleged " loan '' - XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX? 

Name of the Company who received money allegedly collected from me by Caliber. 

Name of the Company who GRANTED and who released servicing rights were released from Caliber and transferred to XXXX and the name of an individual employee who released Caliber 's " servicing rights ''
Product: Credit reporting or other personal consumer reports

I am submitting a complaint regarding an illegal charge-off on my credit report that was not properly validated or investigated. Before the charge-off appeared, the creditor added late charges to my account, which is a violation of 15 U.S.C. 1666b and 15 U.S.C. 1637b, as I never received the required periodic statements detailing these charges. 

Federal law mandates proper investigation and notification prior to reporting such accounts. Failing to provide accurate and timely statements and placing an unvalidated charge-off on my credit report is unlawful. I request that this charge-off be immediately removed to ensure compliance with the law and to prevent further harm to my consumer rights.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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 XXXXXX/XX/XXXX
Product: Bank account or service

On Saturday   XXXX   XXXX   I used my debit card at a   XXXX   ATM machine and also mad a gas purchase and food purchase as well. This was the last time I seen my wallet and cards in my physical, I didnt realize until sunday night that I did not have my credentials and check my online banking and realized some fraud charges were made to the account that I did n't authorize. I file my claim with citizens bank and from the jumb they made me feel guilty because they said the account was a fairly new account, and now because of this i feel like im not getting proper results and customer service. I spoken to about  XXXX  different ppl and they have all told me different things, then I was informed when I went into the bank today that they have dismissed my claim. I know have  XXXX  different claims numbers because I reopened the claim ... ... ... I spoke with a lady named  XXXX  who is a a lead supervisor over a debit card claims debt, she has been very agressive and unprofessional to me, if you do your research and hear all the calls I have placed with citizens bank because they are all recorded these ppl are mean and rude, and really made me feel bad about having a new account with this bank.