23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XXXX order was placed and my bank compromised my debit card for my XXXX check come on there I am out of state can't provide identification because my id was stolen or lost if I didn't place order with XXXX my account still would be cleared and I would be able to spend using my debit card. Why can't I order things using my debit card online should be perfectly fine if money is available within a day or XXXX my money was available that same day a few hours later that's when I checked My card and my check was available so I tried to draw money from my account at the ATM machine and it showed error as no funds and that's when my card was placed on hold.
Product: Debt collection

I DONT RECOGNIZE THIS CREDIT REPORTING PARTY WHICH IS XXXX  XXXX XXXX, never did business with, notwithstanding the FACT that the information is incomplete, inaccurate, incorrect payment history 15 usc 1681 ( b ) insured maximum accuracy of the furnisher. Never received any proof of debt, please re-investigate this mis information the FCRA states the furnisher to report complete and accurate information
Product: Debt collection

im receving bills from Lowes for someone named XXXX XXXX, It is not me why am i receving them?
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. 


Personal information : Wrong name Variations ; XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. THE ONLY CORRECT NAME IS XXXX XXXX XXXX Other incorrect personal information are wrong phone numbers ; ( XXXX ) XXXX OTHER WRONG OR INCORRECT PERSONAL INFORMATION ARE the following addresses ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, MA XXXX,. My only correct address is XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX. 

the following accounts are also fraudulent and need to be removed off my credit reports ; XXXX XXXX  XXXX XXXX # XXXX ( {$450.00} ), XXXX XXXXACCT # XXXX ( {$370.00} ), XXXX XXXX XXXX-ACCT # XXXX ( {$150.00} ), XXXXACCT # XXXX ( {$4900.00} ), XXXX XXXX XXXX XXXX-ACCT # XXXX ( {$390.00} ), XXXX XXXX XXXXACCT # XXXX XXXX {$530.00} ), XXXX XXXX XXXX XXXX-ACCT # XXXX ( {$910.00} ), XXXX XXXXACCT # XXXX ( {$450.00} ), XXXXXXXX XXXX XXXXACCT # XXXX ( {$450.00} ), XXXX-ACCT # XXXX ( {$450.00} ), XXXXACCT # XXXX ( {$210.00} ), XXXX XXXX XXXX ( {$500.00} ), 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: Debt collection

in XX/XX/XXXX we moved, we had XXXX XXXX come and pick up all of their equipment. We ha XXXX XXXX XXXX. XXXX came out and took down everything and collected it all. Since he was from the XXXX XXXX dept and not internet he called them to inform that dept he had the XXXX equipment. as XXXX He supplied us with a receipt which I have sent to XXXX XXXX every month since XXXX of XXXX when they started harassing us. in XXXX XXXX XXXXXXXX they sold the account to XXXX XXXX even tho there is nothing due.
Product: Money transfer, virtual currency, or money service

I am writing to formally 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 me vulnerable to scams, and financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account number XXXX. XXXX XXXX account number XXXX. XXXX XXXX account number XXXX. XXXX XXXX account number XXXX 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. My disputes to reinvestigate these accounts came back verified without proper proof of verification. I sent validation letter to these collectors and they failed to respond on my requests to send me a proof that they have the authorize to collect the allege debt. attached copy of the validation letters. USPS tracking number XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had three XXXX  County, FL court dates in XXXX regarding old credit card debt. These accounts were purchased by a third- party collections agencies who posed as legal representatives for XXXX XXXX XXXX ( XXXX ) XXXX. However, XXXX XXXX sold the two credit card debts, as stated on my XXXX XXXX account. I went to court several times about this matter, filed motions to dismiss because the collections agencies were misrepresenting/posing as XXXX  XXXX XXXX ( XXXX  ), XXXX. legal counsels, and was fighting the cases. Then the courts were shut down inXX/XX/XXXX ; with pending court dates. All civil cases are suspended until further notice due to COVID-19. 
A few days ago ; the collections agencies made new reporting to XXXX  about the XXXX & XXXX credit card debt. They changed the last payment date that has/would re-set the statute of limitations of five years. I have filed dispute claims. I am requesting to file a complaint with this agency about the unethical tactics. 
In the XXXX CC XXXX case ; Debski & Associates, P.A. posing as XXXX XXXX XXXX  ( XXXX  ), XXXXXXXXXXXX. They are a debt collections agency that buys old charge-off debt. This company does not represent XXXX XXXX XXXX  ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : I sent LCI an email asking if they could explain how they are verifying my bankruptcy and provided them with the courthouse letter, a letter from XXXX stating that XXXX verified the bankruptcy through the USBK court and I also asked for my consumer report. 

XXXX : LCI responded stating how they obtained the information from XXXX and how the information obtained is from public available bankruptcy records. 

XXXX : I sent them the bankruptcy court letter XX/XX/XXXX : Sent them another email stating how I haven't heard back from anyone XX/XX/XXXX : LCI responded via email stating how they obtained the information from public available court sources and how they use XXXX. From my own research, XXXX  doesn't report full SSN 's so again how did LCI verify the bankruptcy ( they DID NOT ) XX/XX/XXXX : I sent an email to XXXX  and XXXX  Responded that they provide electronic access to case information from federal courts however they DO NOT contact consumer reporting and credit reporting agencies. 

XX/XX/XXXX : LCI responded asking me to provide further information about the alleged bankruptcy. 

XXXX : I replied stating that per the FCRA if I am asking for LCI to provide my consumer report and they are refusing to do so this goes against my rights. Per the FCRA if a consumer reporting agency is unable to verify my account within 30 days then they must delete the inaccurate information. Per FCRA Section 623 ( a ) ( 1 ) ( C ) you can not report information that I the consumer has told you is inaccurate. 

XX/XX/XXXX : LCI responded to a letter addressed to the incorrect client named XXXX  stating how LCI has no obligations under FCRA section 611 and are only applicable to consumer reporting agencies From my own research LCI has about 5 cases where they paid undisclosed settlements to consumers after being accused of being in violation of the FDCPA & FCRA within the last 2 years and another case is currently pending. 

XX/XX/XXXX : I sent an email to LCI stating the person they addressed the letter to is incorrect. LCI responded same day stating please disregard the previous response with the same response they sent to the incorrect person. 

XX/XX/XXXX, XXXX I asked LCI to send me my Consumer report XX/XX/XXXX : LCI XXXX XXXX XXXX me an internal email about a mail merge with someone else contact information who was also trying to see how LCI verify bankruptcies. I responded to them on XX/XX/XXXX asking am I getting my consumer report or do I need to file a complaint to let everyone know that the company is sending the wrong personal documents to the incorrect consumers. They then tried to recall the email but it was too late. 

This company is sending employee 's personal information to the wrong consumer and violating consumer rights. They have yet to provide me with a consumer report it's been beyond 30 days. They have not provided their method of verification. 

Please review all the documents that LCI sent me and the entire XXXX  email thread.
Product: Credit reporting or other personal consumer reports

I signed up for a XXXX account which was supposed to provide me with what I thought was a {$30000.00} line of credit. I never received the funds and were mistaken so I requested that the account be closed back to inception, I am also unable to get a refund for the payments made. However, this company as XXXX XXXX is reporting different payment information across the XXXX major credit bureaus and I have done several disputes asking them to remove the negative payment history from my credit report. They are reporting XXXX late payments to equifax, XXXX late payments on XXXX and XXXX payments on XXXX. I am asking that this account be removed from my credit report as they are in direct violation of the FRCA as Your creditor must not supply information to a credit reporting agency that it knows ( or should know ) is inaccurate. I am asking that this account please be removed from my credit report. The same source should not be reporting different information across the credit bureaus.
Product: Debt collection

I previously filed a complaint with XXXX  thru this agency on these two accounts were said to have been deleted. I am attaching a copy of the response from XXXX  dated XX/XX/XXXX and the current copy of my XXXX XXXX report. As you can see they are still showing on my file. Also I am disputing the {$61.00} new collections from MIDWEST RECOVERY SYS on behalf of XXXX XXXX XXXX. I dont see doctors in XXXX. This is also the same city that someone had water turned on in my name. I had previously sent XXXX  the copy of the fraud report I filed in XXXX when I first discovered this. 
I want these accounts off my report
Product: Debt collection

I want to dispute a debt that, I just saw on my credit report. The debt is not mines. It is from XXXX XXXX XXXX originally from XXXX dated XX/XX/2017 for the amount of {$860.00}. Please remove it from my credit I do not owe this debt, the debt is not mine. Thank You
Product: Credit card or prepaid card

I received unemployment on US BANK RELIA CARD. My account was hacked so I filed a dispute on XX/XX/2020. They had me do the online verification. I did that 10 different times. I also faxed over my social security card and my identification card. I have received a eviction due to not paying my rent and all my bills are late with fees. They still have my account restricted and were going into XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a first complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance XXXX {$910.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$320.00} XXXX XXXX XXXX Original creditor XXXX  XXXX Balance : {$230.00} XXXX XXXX Original creditor XXXX XXXX  XXXX XXXX Balance : {$1600.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX : {$97.00} XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit card or prepaid card

On XX/XX/XXXX in the amount of {$1100.00} on my American Express credit card I disputed the amount as the merchant didnt delivered the service. They closed my case on XX/XX/XXXX without any update to me. What I found about the merchant that they are a scam once they receive your information and charge they stop responding to you and try to manipulate cases Via XXXX to win.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for XXXX XXXX XXXX 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 ) Please investigate and provide Proof with statements showing that these payments were late. It 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, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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

I have received a copy of my credit report and it shows company SYNCB/PPC account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1400.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Mortgage

On XXXX XX/XX/XXXX I was declared 100 % permanently and totally XXXX by the Veterans Administration. On XXXX XX/XX/XXXX I was exempted from any property taxes on my homestead ( my home ) in XXXX County, Texas. Texas gives a 100 % exemption to 100 % permanent and totally XXXX veterans. 


Flagstar Bank holds the mortgage to my home. They advised they would not reduce my escrow payments because I will owe money for taxes in XXXX. I understand that and they will refund any excess. They will not reduce my escrow payment for XXXX until they get a tax bill showing a XXXX balance which won't be until XXXX of XXXX when tax bills go out for that year. They will then reduce my mortgage escrow payment in XXXX, XXXX. 

Letter from XXXX exempts me from property taxes Jun of 2019. Flagstar won't remove escrow from my mortgage until XX/XX/XXXX. I will have paid 18 months into my tax escrow account that I do not owe by then. This is ridiculous. I know other mortgage companies reduce escrow payments immediately upon notification of property tax exemption.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is still displaying on my credit file a deregatory account from first sentinel bank, the account was charged off and sold.so not taking this info off after Ive requested it per 15 U.S.C and equal credit opportunities act /They are in violation under consumer laws.
Product: Debt collection

I received a letter from Vengroff William, INC trying to collect debt for an overtime XXXX rental in the amount of {$260.00}. They explained that the amount was owed since XX/XX/year>. I have never rented a XXXX and spend most time out of the country. I also called XXXX with the reference number ( XXXX ), as well as account number ( XXXX ), and they told me this account never existed. The representative at XXXX stated that they have received numerous calls from people who have been billed by Vengroff Williams claiming they owed money due to a XXXX rental. This company is trying to commit fraud by creating a false debt collection. A quick XXXX search will show how many people have received this type of fraudulent letter. Vengroff William, INC 's address in XXXX XXXX XXXX, XXXX, FL XXXX. They ask checks to be mailed to Vengroff Williams , INC - XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX. Their phone number is XXXX and their fax is XXXX. Vengroff Williams , INC is also unable to produce any evidence of such rental. I think government action needs to be taken at this time since this company is using predatory tactics to try to get consumers to pay debts that have never existed.
Product: Credit reporting, credit repair services, or other personal consumer reports

NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX : XXXX XXXX : Virginia Zip : XXXX Email Address : XXXX 15 U.S. Code S 1681c-2 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under. 15 US Code 1681b - Permissible purposes of 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 : ( XXXX ) 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 protected consumer. NO CONSENT IS IDENTITY THEFT As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!