23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am submitting my intent to sue for the record as Equifax is in willful violation of federal law and in non compliance of FCRA 605B. Equifax is refusing to remove an account ( XXXX XXXX ) that is the result of Identity theft. I have provided all identifying documentation, reported the theft to the FTC and provided Equifax with an affidavit of fraud from the police department. I am seeking the immediate removal and blocking of this account from my credit profile. Equifax has shown no evidence that any of the following are true that I 1. The request to block information was based on a material misrepresentation 2. knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of the blocked transaction or transactions. nor have I 3. agreed in writing that a block was made in error. A key provision in FCRA 605B is that a Credit Reporting Agency such as Equifax SHOULD NOT be investigating consumer cases of identity theft. Also conducting an investigation of the furnisher 's reporting is not part of the identity theft blocking process, and is not basis for denying the block under section 605B. If this derogatory information is not removed immediately I have no other option other than to will seek punitive damages per FCRA 616.
Product: Credit reporting or other personal consumer reports

The company XXXX refuses to provide proper documentation to validate the said debt. They have now appeared to have sold the debt to another company They continue to report inaccurate information to all 3 credit agencies. The company refuses to send me original doumentation.
Product: Money transfer, virtual currency, or money service

I am a XXXX XXXX who works with XXXX XXXX XXXX XXXX and I do not have money to burn. In order to pay off bills I decided to sell my XXXX XXXX desktop computer on XXXX for {$2200.00}. When a buyer purchased my computer I factory reset it, tested it to ensure it worked perfectly, and shipped it out to him. A week later he informs me via XXXX that he wants a refund as he is saying that it does not work. As I was sure it worked when I shipped it I asked for pictures of the error message as proof that it did not work. ( I have been scammed in a similar way on XXXX  in the past so I was being cautious. ) On XXXX 's resolution center it said that the refund was on hold pending additional documentation from the buyer. 

I recieved an email yesterday XX/XX/19 from XXXX stating that they issued him a full refund and that he did not have to return the PC to me. I called them and asked them how this was possible and they stated that they emailed me a week ago stating that I was to provide him with a return label and refund him the money. I informed them I was watching the resolution center messages and I thought that the issue was pending. After speaking with multiple supervisors I was told that the best they could do was to email the buyer and encourage that he send the computer back to me. I have also emailed him with no response from him, multiple times over the course of this issue. 

I spoke with multiple supervisors at XXXX last night and stated that that this was absolutely unacceptable and that there are ZERO seller protections and that I CAN NOT believe they would do something like this to a seller who has had a perfect rating and has been a seller on XXXX for years!! It would make sense to me that if someone wants a refund they send it to XXXX and hold onto it until the refund is issued and then send it back to the seller and charge them the shipping costs. That is NOT what happened here, they refunded him AND LET HIM KEEP THE {$2200.00} COMPUTER!!! Not only that they charged me the {$220.00} sellers fee on top of it so I'm out almost {$2500.00}. 

I am filing this complaint against PayPal as they are the ones who have pulled over {$2200.00} out of my bank account against my complaints to both them and XXXX about this being fraudulent and a scam. I need the Consumer Finance department to step in and help me advocate to have my funds returned to me as this policy is absolutely unacceptable and fraudulent.
Product: Checking or savings account

On Thursday, XX/XX/XXXX, I entered my WELLS FARGO bank application on my phone and discovered that I had suffered the withdrawal of all my savings and had made cash disposal of my credit card as well as transfers from my checking account to fake accounts created with my name in Florida and Texas. 
From my savings account they have fraudulently transferred a transfer of XXXX on XX/XX/XXXX then another transfer for XXXX dls to the same fraudulent savings account on the same date XX/XX/XXXX then a cash dispocision of my credit card without my authorization for XXXX on XX/XX/XXXX also a transfer for XXXX dls from my checking account on XX/XX/XXXX. 
XX/XX/XXXX A transfer from my savings account for XXXX dls XX/XX/XXXX A transfer from my checking account for XXXX dls XX/XX/XXXX a transfer from my checking account for XXXX dls XX/XX/XXXX A transfer from my checking account for XXXX dls. 
Immediately upon discovering the fraud I called the bank to report what happened they gave me a case number then the same day XX/XX/XXXX I went to the bank office and filed a formal claim and change my savings accounts and checking account also call the bank to indicate that it does not authorize the cash disposition and they gave me a case number to my claim. Today XX/XX/XXXX I call the bank to receive some information about it and they tell me that the case is closed and that they sent me a letter informing me the reason for their resolution.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

I'm trying to sign up with XXXX XXXX ( XXXX XXXX XXXX ) on XX/XX/2018. 

I'm getting an error that Capital One is blocking external applications. Can't find a way to enable it.
Product: Debt collection

According to 15 U.S. Code 1681c-2. This is my statment that all of the listed accounts have been reported with out my expressed written concent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. fraudulent unauthorized account : XXXX XXXX XXXX Acct : XXXX, XXXX XXXX Acct : XXXX XXXX, CITICARDS CBNA Acct : XXXX
Product: Debt collection

Original Creditor : GM FINANCIAL XXXX XXXX # : XXXX XXXX CREDITOR ACCT # : XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX, NJ XXXX XXXX In XX/XX/2016 I was involved in a vehicle accident. There were issues with the insurance company. Once the issues were retroactive The insurance paid their portion, GAP paid their portion. 

The insurance did not pay the original amount due to the information that was communicated via GM FINANCIAL. The vehicle had been sold. The title that was presented to my insurance company at the time. 

Due to the insurance issues GMC FINANCIAL repossessed my vehicle. I don't have a date nor do I understand how does a company repossess 's a damaged vehicle. Nor was it communicated either that the vehicle had been repossessed. That information was provided through my insurance company at the time. 

The reason for my complaint is because GM FINANCIAL is providing fraudulent information towards my credit report. They were paid in full by the insurance company what they should receive. Due to GM FINANCIAL 's mishandling of the account at the time. Therefore, the amount of {$4500.00} should not reflect upon me. I do not owe this amount nor do I have knowledge of this debt. By this company mentioned above. Nor by GM FINANCIAL. 

While this issue was going on with the insurance company at the time I also communicated with GM FINANCIAL once a week to keep them informed. I spoke to a representative who was rude, and unprofessional. 

Since my vehicle accident I have attempted several ways to expunge this debt from my credit as it is not a charge off. 

This fraudulent debt is a defamation of my character. Nor does this help my credit in any form or fashion. 

If I was able to resolve this issue with my insurance company at the time then GM FINANCIAL should be responsible enough to understand and remove this fraudulent debt from my credit report. GM FINANCIAL received payment for the vehicle regardless of the time frame. Therefore, this is not a repossession. This is a vehicle accident. 

I can not control what Fraudulent Lies GM FINANCIAL presumes to fabricate. GM FINANCIAL received a payment. End of debt that is originally not a debt. 

GM FINANCIAL will give you a loan knowingly knows you will eventually default on the loan. Then lie and ruin your credit with those lies.
Product: Debt collection

Disputed with the company several occasions ever since I saw this on my credit reports back in 2014. This account is not associated with me. This on my credit report is making it impossible for me to do what i need to credit wise because its negatively reporting.This is not my account! I have reached out to the bureaus regarding this and nothing has been done.
Product: Debt collection

I had a car impounded that was not in my possession on XXXX/XXXX/XXXX by XXXX and towed by XXXX XXXX and was not notified of the impound by XXXX XXXX. Everyday the car is held there is {$33.00} in storage fees assessed. The first notice received was from the DMV for a lien sale 84 days later with incorrect fee information at {$230.00} and no tow date to verify the fee was correct. At that point had racked up almost $ XXXX in fees. Since then the car has been sold and the balance that was left after applying what the car sold for was sent to collections in the amount of {$2100.00}. 

I sent Ascension Recovery Management a letter via fax on XXXX/XXXX/XXXX disputing the debt on the grounds that I was never notified by the original creditor XXXX XXXX that they had the car impounded and was only notified by the DMV almost 3 months later. 

I received a call back within the hour from someone that worked for Ascension who quickly escalated the call to XXXX, a supervisor. XXXX stated that she could validate the debt by what was required by law by CRA Debt Validation form but would not do anything more beyond that. I asked for a copy of the original letter of notification from XXXX XXXX letting me know that they had my car impounded. She said that she does not have a copy of that and believes XXXX XXXX does not have a copy of it either. I spoke to XXXX XXXX in the previous month and they did state that they in fact do not have a copy of the letter I am requesting. The reason I am asking for a copy of this letter is because I am suspecting that it was sent incorrectly to the address the car was previously registered to. When I spoke to XXXX, she confirmed the number on file was the phone number attached to the old address, not what I had updated the DMV with on XXXX/XXXX/XXXX. 
I tried to reason with XXXX letting her know that what I wanted was a copy of the original letter notifying me that the car was impounded with XXXX XXXX near the date of impound as required by law. With that letter we can validate the debt to being mine and correct. If I received this letter I would not dispute the collection. XXXX stated that they would not send me a copy of this letter nor would they remove this collection from my credit report. She said I had to wait for the collection to go away on its own ( which it will in a few months ) She got frustrated going in circles with me so she said " had a good day '' a few times and hung on me. I come from a customer service background and hanging up on a customer is not an appropriate response to conflict. I could understand a hang up if I was being rude or disrespectful. I felt like she was treating me like I was making a frivolous request, especially after she hung up on me.
Product: Debt collection

This account has been reporting to the credit bureaus and I asked for validation of the debt. They have not sent me sufficient validation that I own this debt. I need this account removed. Ive never had a report from the original creditor so I need these people to stop reporting this to my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently was a victim of identity theft, and was trying to get my " free '' annual report from Transunion for review. Their webpage layout suggests that you have to establish an account to do so, and requests your credit card number in the process. Assuming they required the latter to verify my identity, and clicked to continue, and proceeded printing out my report. To my surprise, I later received an email stating that I had subscribed to their credit monitoring service, and that they had charged my credit card {$24.00} + {$2.00} tax for this disguised chargeable order. No costs were mentioned on any of the web pages I viewed. This occurred on XX/XX/XXXX. You can cancel the monitoring service online, but you can not obtain a refund. I cancelled the service twice, both times on XX/XX/XXXX, as although I received an email after the first attempt confirming cancellation, it wasn't obvious from my online account that it was cancelled ( it had an end date of XX/XX/XXXX ). Their website is deceptive, and forces unsuspecting consumers to pay for a minimun one month service when all they may want is a " free '' credit report. Consumer beware, you will be out of pocket {$27.00} with no obvious recourse!
Product: Bank account or service

On or around XX/XX/XXXX, I attempted to withdraw {$60.00} ( {$62.00} with ATM fees ) from a small ATM machine inside of a gas station/convenience store. The ATM machine NEVER dispensed the cash that I requested. I disputed this transaction with PNC Bank N.A . TWO times immediately and my claim was denied TWICE by PNC Bank N.A . on or around XX/XX/XXXX and XX/XX/XXXX. In addition, just recently I reported some checks lost or stolen and placed a stop payment on those checks. As a result, PNC Bank placed a red alert on my account in the event that someone attempted to cash one of my personal PNC Bank checks. Sure enough, on XX/XX/XXXX, XXXX gentleman walked into a PNC Bank N.A . in XXXX, Florida ( XXXX XXXX ) with one of my lost or stolen personal checks from my PNC checking account. The PNC Bank teller did not follow proper bank protocol ( she did not compare the signature on the lost or stolen check to my signature that PNC Bank has on file in their computers ) and cashed this lost or stolen PNC Bank personal check of mine despite me not writing and the hand writing/signature was OBVIOUSLY not even close to my handwriting/signature. In addition, the personal check that was erroneously cashed by PMC Bank seemed to be altered and/or manipulated including the date amongst other things on the check. In addition, the Bank teller ( who carelessly cashed this check ) or Branch Manager XXXX XXXX even call me to verify if I had written this check to this unknown person and they even admitted to me that the Bank made ab. PNC Bank has failed and wronged me on several occasions including this occasion and are failing to reimburse me for the XXXX above transactions that I did not authorize or receive any benefit from. I dispute the {$62.00} ATM transaction on XX/XX/XXXX again and was told that I would receive an immediate credit to my PNC Bank checking account on the next business day but I still have not received a credit. In addition, I disputed the lost or stolen check on XX/XX/XXXX that was forged and cashed without my authorization and was told that I would receive an immediate credit the next business day but that NEVER happened AGAIN.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax fails to validate or remove false inquiries on my report within the legal time of 30 days.
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. 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.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$2300.00} XXXX  - XXXX - XX/XX/XXXX - {$6000.00} XXXX  - XXXX - XX/XX/XXXX - {$2500.00} XXXX  - XXXX - XX/XX/XXXX - {$3900.00} XXXX  - XXXX - XX/XX/XXXX - {$2300.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$6100.00} XXXX - XXXX - XX/XX/XXXX - {$5200.00} XXXX  - XXXX - XX/XX/XXXX - {$2600.00} XXXX - XXXX - XX/XX/XXXX - {$3900.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$930.00} XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$630.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$120.00} XXXX - XXXX - XX/XX/XXXX - {$110.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$00.00} XXXX CARD XXXX XXXX - XX/XX/XXXX - {$2200.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT BUREAUS ADDRESS To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a XXXX  punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my EXPERIAN consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with The following companies please remove these items IMMEDIATELY : XXXX XXXX XX/XX/XXXX 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. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. THANK YOU, ATTACHMENT
Product: Credit reporting

After receiving a debt that I knew nothing of on XXXX XXXX, I immediately had my credit reports pulled, and sent all XXXX credit bureaus certified dispute letters. I received confirmation back that all the items that I had disputed had been verified. I sent a XXXX round of letters asking that I be provided with the names and numbers of whom they had validated the debts with. I myself sent a validation letter to XXXX of the creditors only to be told it was a mistake, and that a letter would be sent to all three credit bureaus to have deleted. This was XXXX of the debts that they claimed they had investigated and had found it belonged to me. They have ignored all of my dispute letters, and refuse to remove debt that have not been validated. I have asked for proper paperwork demonstrating the agreement between me and these creditors.
Product: Mortgage

My servicing company is Lakeview Loan Servicing. They are always charging a XXXX fee even though my loan payment is paid on time prior to the XXXX. I've made multiple attempts to get this resolved and stated they would have someone call me back. No one ever calls me back. I've submitted 3 online inquiries and no response.
Product: Credit reporting or other personal consumer reports

The following Accounts have not been Validated as Accurate and I depended on CFPB to help me correct the following Wrongfully Reported Accounts and they, CFPB has not helped me and allowed Transunion to illegally post invalidated accounts : XXXX XXXX XXXX Acct # XXXX. Not my Account XXXX Acct # : XXXX Reported as 60-80 Days Late. Incorrect. So me Validated Information of Late Pay XXXX XXXX Acct # : XXXX Validate Late Pays XXXX Acct # : XXXX Validate Late Pays XXXXXXXX XXXX  Acct # XXXX XXXX Not My Account *XXXX XXXX XXXX Acct # XXXX XXXX Reported Collection XXXX XXXX Acct # : XXXX. Late 120 Days XXXX XXXX XXXX Acct # : XXXX Late 119 Days. All the above Accounts need to be Validated by actual human. These Accounts are reporting incorrect. My next step is filing arbitration with XXXX and Civial and Federal Court. Remove these items from my Credit File Immediately This information is inaccurate. Please delete it. As per FCRA 15 U.S.C. 1681. ( Remove From My File
Product: Credit reporting, credit repair services, or other personal consumer reports

During the term where my loans have been counted as late is invalid. I was attending college through most of XXXX and through the beginning of the year of XXXX. I have documentation showing that I was in attendance through the Winter quarter of XXXX which falls into XXXX of XXXX with XXXX XXXX My loans by default should have been in deferment/forbearance for six consecutive months after my last date of attendance. I also extended my deferment for longer and refinanced the loans to consolidate them into one at a later date in XXXX prior to attempting to purchase a home for the first time. I continued to attend school throughout the years and was still in attendance until XXXX of XXXX. These loans should never have been considered late per federal student loan policy of deferments and school attendance.