23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

U.S. Code 1692e. False or misleading representations Under Fair Debt Collection Practice Act A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. CLIENT SERVICES ON BEHALF OF XXXX XXXX  needs to make every reasonable effort to meet their consumers ' needs, ensure its practices adhere to all federal, state, and local laws, and act with high ethical standards and professionalism. As such, CLIENT SERVICES ON BEHALF OF XXXX XXXX LOCATED AT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. I XXXX XXXX XXXX logged into my credit report and noticed a deceptive and suspicious alleged account on the credit report. This alleged account needs a thorough investigation 15 U.S. Code 1692g - Validation of debts Fair Debt Collection Practice Act All provisions. The Fair Credit Reporting Act, All Provisions including 15 U.S.C. 1681, Privacy Act, XXXX XXXX XXXX Dispute any and all alleged debt claims owed to XXXX XXXX. No debt collector shall collect or attempt to collect any debt alleged to be due and owing from a consumer by means of any unfair threat, but are not limited to, the following : Making false accusations to another person, including any credit reporting agencies, Threatening to sell or assign, or to refer to another for collection, the alleged debt of the consumer with an attending representation that the result of such sale, assignment or reference would be that the consumer would lose any defense to the debt or would be subjected to harsh, vindictive, or abusive collection attempts, Representing that nonpayment of an alleged debt may result in the seizure, garnishment, attachment, or sale of any property or wages unless such action is in fact contemplated by the debt collector and permitted by law are demanding proof in writing on this alleged account to ensure they are complying with the law. According to F.D.C.P.A debt buyers are required to notify you when they report negative information to a CRA, please under 1692g provide a purchase agreement so a true accounting bill can be produced as your practice violates the FCRA. Please understand I am not asking for proof of just name or address because that is not what is in question and in keeping in compliance I need full discourses and wet autograph providing permissible purpose of consent. XXXX XXXX XXXX is demanding delete/remove from all credit reporting agencies to avoid running this risk of not being creditworthy Respectfully, XXXX XXXX XXXX
Product: Checking or savings account

Wells Fargo off of XXXX XXXX XXXX  in XXXX Arizona sent a letter to my sister 's home on XXXX XXXX XXXX XXXX XXXX Arizona telling me XXXX XXXX that they had a refund in my account for XXXX dollars .I DONT HAVE ANY BANK ACCOUNTS AND NEVER OPENED A BANK ACCOUNT AT WELLS FARGO I SPOKE TO A BANKER AT THAT BANK AND TOLD HIM I WANTED TO KNOW WHO WAS USING MY NAME AND CHECKING ACCOUNT TALSO TOLD THEM I WANTED CHARGES PRESSED AGAINST WHO EVER WAS USING MY NAME FOR ACCOUNT AND NEVER DID THEY CONTACT ME ALL THEY DID WAS CLOSE THAT ACCOUNT I WISH TO FILE A LAWSUIT AGAINST THEM FOR DOING THIS TO MY LIFE AND MY IDENTITY XXXX XXXX XXXX XXXX  XXXX WELLS FARGO BANK XXXX ARIZONA
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting false imformation on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting

Equifax has deleted all of my many years of credit history. I am XXXX yrs old and have have credit history for about 30 years or so. This is really hurting me on my credit score and want them to recognize my credit history. For example, XXXX, the Equifax competitor, is currently reporting me as having 19yrs 9 mos worth of credit. It is actually more than that, but this is acceptable to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Walmart is reporting a debt on my credit file that I do not owe. This debt is really old and past the statute of limitation in California. I request this account to be removed off of my credit file.
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. I've also had issues where Zelle funds were not made available to me and canceled, thus an unreliable source for conducting financial transactions. The CFPB 's findings indicate that Zelle has neglected to protect consumers and allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This unacceptable lack of accountability and transparency raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am completely dissatisfied with this company called XXXX, XXXX. I have contact them and Experian MULTIPLE times over the years for them to remove themselves from my credit report. I sent the credit bureau the police report attached where my property, identification, and social was stolen back in XXXX. This company has been reporting on my credit since XXXX!!! Just in the last year I have sent them 4 different letters for removal from my credit report. Letters where dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and finally XX/XX/XXXX. All with the police report attached showing my identification was stolen along with proof of my address at the time. I have NEVER had an account with this company!!!!! Experian nor XXXX have sent me any PROOF, as in when or how, that these accounts were validated to be mine. They have nothing with my signature on it stating the accounts to be mine!!!!
Product: Credit reporting or other personal consumer reports

Hello! Please give attention to my follow up. I need these inquiries harming my credit reports REMOVED from my credit file. I am hoping and truly expecting that the XXXX, Equifax and XXXX credit bureaus will remove all these inquiries I listed once more in these complaints : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 been trying to dispute these accounts on my credit report but i havent had any success. Please delete and block the following accounts : XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX {$25000.00}
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 XXXXXXXX 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: Checking or savings account

I have traveled down to XXXX for a month long vacation and immediately upon landing we got in a taxi cab that stole my card information and charged an additional {$200.00} on my account. We did not catch this for a day. Then, at a pharmacy, we were charged an additional {$75.00} then we were told the cost was ( {$35.00} ). We found out later this is a common scam. Once we noticed this ( first the taxi charge was noticed ) I IMMEDIATELY called the bank and had my business card closed down and filed a fraud claim. There was the additional pharmacy charge that was not caught during this call. Its possible there are two other fraud charged that were made with my card before we were able to catch it and shut the card down. They have declined my fraud claim despite my card being shut down and account being claimed. They took the money out of my account yesterday with no claim denial email. I know its not a high amount of money, but the fact is that I now feel like Wells Fargo doesn't empathize with fraud victim claims. My business account was violated, money was taken from it and the bank acted like the claim itself was fraudulent. I did file an additional complaint with them this morning with no response as of now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act A, XXXX XXXX XXXX not provided XXXX {$1400.00} 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 In accordance with the Fair Credit Reporting act A, XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act A, 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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
Product: Credit card

A key Benefit of our premier Chase Sapphire Reserve credit card is Trip Cancellation and Trip Interruption insurance. Chase Sapphire has contracted with Card Benefit Services ( Subsidiary of XXXX, XXXX ) and XXXX XXXX XXXX  XXXX to provide this insurance. On XX/XX/2024 I submitted a Claim for {$5000.00} of elibible expenses under the Policy. In the past 43 days I have provided XXXX documents supporting the claim, sent XXXX ( XXXX ) emails, and made greater than XXXX ( XXXX ) phone calls to Card Benefit Servies at XXXX. The documentation XXXX  XXXX inclusive of their form completed by a XXXX XXXX  verifying the serious illness which necessitated both the Trip Cancellation and Trip Interruption. For the past 43 days Card Benefit ServicesXXXX XXXX Assistance has committed Unfair Claims Settlement Practices with the objective of exhausting us so that we vacate our Claim. On XXXX, Claims Examiner XXXX XXXX XXXX confirmed our Claim was complete and had been sent to the " Quality Department '' for approval and our re-imbursement. On XXXX Card Benefit Services came back asking for documentatin already in their possession, but for it to be submitted in another form - all related to a small {$24.00} XXXX  ticket. These documents were supplied by email on XXXX. They were also uploaded to the web portal on XXXX. We were told on XXXX by Claims Examiner ( XXXX ) that the claim was complete, again, and would be going to the " Quality Department '' for approval - again. We were told by the Claims Examiner ( XXXX XXXX XXXX XXXX XXXX ) to expect the re-imbursement during the week of XXXX. We did not receive the re-imbursement. Instead, on XXXX we received a FRAUDULENT claim by Card Benefit Services that they still needed the documents on the {$24.00} XXXX XXXX. This is a FALSE statement. Once again, Card Benefit Services and XXXX XXXX XXXX are committing Unfair Claims Settlement Practices by continueing to delay and deflect our valid claim. Chase Sapphire Reserve has chosen to contract with the vendors of Card Benefit Servies and XXXX XXXX XXXX  to provide their guranteed travel insurance benefits. These vendors have failed to provide the XXXX XXXX XXXX for which we pay nearly {$750.00} a year to receive. This is JP Morgan Chase 's issue to fix with their contracted vendor so we receive the guaranteed XXXX XXXX benefit offered on our Chase Sapphire Reserve Credit Card.
Product: Credit reporting or other personal consumer reports

Equifax has failed to correct inaccuracies in my credit report, refused to conduct a proper reinvestigation, and engaged in delay tactics by repeatedly requesting identification documents despite multiple submissions. The errors pertain to my XXXX XXXX account, including incorrect charge-off dates, past-due balances on closed accounts, and conflicting payment histories. This conduct violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Act ( XXXX ), as confirmed in the CFPB XXXX Order ( File No. XXXX ). 

XXXX. Violations by Equifax and Legal References Failure to Ensure Maximum Possible Accuracy ( FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) ) : Equifax is reporting inaccurate charge-off dates, past-due balances, and credit limits.

Failure to Conduct a Reasonable Investigation ( FCRA 611 ( a ) ( 1 ), 15 U.S.C. 1681i ( a ) ( 1 ) ) : Equifax has failed to properly reinvestigate my disputes and merely defers to furnishers. 

Failure to XXXX XXXX & Consider Consumer Evidence ( FCRA 611 ( a ) ( 2 ), ( a ) ( 4 ), 15 U.S.C. 1681i ( a ) ( 2 ), ( a ) ( 4 ) ) : Equifax failed to provide complete dispute details to furnishers and disregarded my supporting documents. 

Failure to Correct XXXX & Past Due Balances ( FCRA 611 ( a ) ( 5 ), 15 U.S.C. 1681i ( a ) ( 5 ) ) : Equifax has misreported past-due amounts and available credit on a charged-off account.

Unlawful Reinsertion of Deleted Information ( FCRA 611 ( a ) ( 5 ) ( B ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : Equifax reinserted previously deleted inaccurate information without notifying me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I discovered many Identity Theft issues on my credit file. I placed a fraud alert, provided police and FTC report of me being a victim of identity theft, with Transunion, that involved my information with my deceased Grandfather. 
For many years, Transunion has been reporting his information on my credit file, though my grandfather passed in XXXX XXXX. 
His middle name was XXXX, or XXXX. My middle name, XXXX, or XXXX. 
Same last & first name. 
To different birthdays, SSN 's, middle names & so on. 
After providing Transunion with my Grandfather 's Death Certificate, on XX/XX/XXXX, TransUnion Interactive wrote to me, acknowledging me of informing Transunion LLC of his passing, and forwarded it to appropriate department. 
Since then, I've been DEAD! .. According to Transunion LLC ... 
I have disputed multiple times with Transunion, but failed to convince them to correct the disaster. 
After me telling this company that the other name and info, " XXXX '' ( middle name ) is not me, I'm " XXXX '' ( middle name ), XXXX & XXXX, ( other 2 big CRA 's ) followed suit and reported Death Notes on my file afterwards. 
My last dispute result, from TransUnion, XX/XX/XXXX, stated : CONSUMER DECEASED DATE OF DEATH IS XX/XX/XXXX ( NO EXPIRATION DATE. ) I will stop here and see if TransUnion can figure out what my complaint is regarding.. 
Thank you for allowing me to state my case.
Product: Checking or savings account

I'd like to file a complaint against the Citizens Bank located at XXXX XXXX XXXX XXXX XXXX Ma XXXX. The card reader to get info the ATM vestibule does not work so I can not use the ATM after hours which is unacceptable being the only Citizens in XXXX XXXX. I have reported this directly to them months ago and it's still not fixed
Product: Credit reporting or other personal consumer reports

I have not authorized these hard inquiries, they are the result of fraudulent actions, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a notice from Transworld Systems Inc. ( TSI ) indicating that I owed a debt of {$93.00} under reference/our account # XXXX ( notice uploaded ). I spoke with XXXX XXXX at TSI, who explained that the creditor was Transworld Systems Inc. She let me know that it may have been connected with a rental car company XXXX XXXX and that they were notified of the debt on XX/XX/XXXX. I own a XXXX XXXX truck, which I took delivery of XX/XX/XXXX. Upon taking delivery, I noticed that the truck had issues that required serviceXXXX XXXX  reserved a rental car for me upon sending in my truck for service, on XX/XX/XXXX ( confirmation uploaded ). XXXX contract XXXX reflects the terms of the rental, and final receipt provided by XXXX on XX/XX/XXXX reflects {$0.00} owed. Subsequently, I had additional issues with my truck that required a second service appointment. XXXX again contracted with XXXX under contract XXXX ( uploaded ) on XXXX. Again, the receipt I received from XXXX, uploaded, reflects {$0.00} owed upon termination of the rental. To avoid unnecessary impact to my credit, I paid the debt of {$93.00} over the phone with the help of TSI employee XXXX XXXX on XX/XX/XXXX - confirmation # XXXX. I do not believe I actually owe anything, as the receipts I received from XXXX indicate {$0.00} owed and I was never contacted by them for anything owed. Therefore, I would like a refund of the {$93.00} I paid on XX/XX/XXXX. Thank you
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple inaccuracies on my credit report. My report should have a freeze on it and equifax is still allowing inquiries to go through without my permission. I have 20 fradulent inquiries all while there is supposed to be a 7 year freeze. The second issue is that I resolved with a creditor an account for XXXX/XXXX XXXX  for it to reflect as settled in full ans I provided this letter from the creditor to Equifax and they have refused to update my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon ... I was examining my credit report from XXXX & I noticed I had one negative report on my credit report from Ditech Financial. Details of the XXXX  credit report ( with Ditech as the vendor ) state I was 30 days late on my XX/XX/2017 mortgage payment. I contacted XXXX dispute resolution dept. and placed a request to have the error corrected. Ditech did not correct the error on the resolution report produced by XXXX. I attempted to contact Ditech directly but could not find a phone number or web address to remedy my complaint. As the attachment indicates, Ditech documents they received my XXXX payment on XX/XX/2017, within my 15 day grace period. Because the payment was received within the 15 day grace period and since no late fee was imposed I believe my payment was not late and the negative report should be removed from my record. 

Thank you
Product: Credit card or prepaid card

I am a victim of ID theft, an unknown person opened a Chime Bank account using my personal information. I have notified Chime bank several times this is fraud. Every time I call for an update they can't tell me if this account is closed as fraud, when I ask for this to be closed as fraud they refuse. It is like talking to a robot, they just repeat their script they were given. They are not solving this issue.
Product: Vehicle loan or lease

Auto loan acct closed Received Remediation check for Gap cancellation fees Wells Fargo will not provide balance owed due to overpayment
Product: Debt collection

there is an account in my credit report that i do not know .. this accoun show me that i posses {$690.00} in debit collection for some years ... .this company name as Shoutwest credit system is using a fair credit reporting act violation..