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

MY IDENTITY WAS STOLEN THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Debt collection

In the month of XX/XX/XXXX, I received a letter from XXXX XXXX that the account was being transferred ( assigned ) to Zwicker & Associates for collections. Reflected on my Credit Report this account was shown to be charged off. This same month I received a letter from Zwicker & Associates stating they are a debt collector attempting to collect a debt. On this letter bound on legal paper in the form of a contract had a remittance coupon on the bottom requesting payment. Zwicker & Associates XXXX # XXXX principal address is in XXXX, their business is purchasing and collecting of consumer debts. I responded to their letter with a notice of dispute requesting validation and verification of this purported debt. The first letter was sent the XXXX of XX/XX/XXXX, and the second letter on the XXXX of XX/XX/XXXX. I Also observed that my credit report did not reflect dispute status. I received a letter which stated, As requested, we are sending copies of statements and other relevant documentation to serve as a validation of debt. This letter lacked verification and did not provide information in full of the original creditor. Provided to me was a thick packet of statements with no relevancy to what was requested. On XXXX XX/XX/XXXX my father-in-law was served a summons. Unable to afford counsel I had to deal with this matter which caused further instability to my household. I began to further research and found that this law-firm was a debt-buyer and that they were assigned this debt. An assignment is a transfer of all interests and rights to the thing assigned. These terms are declared on the letters sent by XXXX XXXX. Unfortunately, in the State of Florida law firms engaging in debt collection do not need a license to collect on consumer debts and can move swiftly to file suit on consumers who have no knowledge of this system. In the State of Florida, Law Firms ( debt collectors ) are not regulated. This would be my 2nd time encountering an abusive, deceptive and unfair law firm ( debt collector ). One law firm went straight to litigations, and did not send a notice that they were attempting to collect, depriving my right to dispute. A complaint was made on that law firm but did not go anywhere with Florida and on this platform. A complaint was filed through Florida Attorney Generals office which advised to make a complaint to the Florida Bar Association, also yielding negative results. Both cases are still pending.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several inaccurate addresses listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am entitled to have incorrect information corrected or removed from my credit report. 

Please review the addresses in question and update my credit report to reflect accurate information. I have included documentation supporting my correct address for your reference. 

Inaccurate addresses listed as followed : XXXX XXXX XXXX XXXX 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 Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I cosigned for a student loan with my father in XXXX ( yes, nearly 20 years ago ) which now shows as Navient ( it may have been Sallie Mae at the time ). This has recently ( this month ) shown up on my report for the first time dropping my score by over XXXX pts. This account is far too old to be on the report ; i have disputed w/ all 3 bureau and nothing has happened to removed them ; they were thus far both completed and did not change nor was the mark removed ( account ). My father had this removed in XXXX and i am kindly asking that mine is removed as well as soon as possible. Thank you so much for your help. I'm not where else I can go for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISPUTED FRAUD INQUIRIES WITH XXXX, EXPERIAN AND XXXX AND THEY REFUSE TO REMOVE THIS FRAUD INQUIRIES THAT I SENT ALL THE PROPER DOCS. XXXX XXXX XXXX XXXX, 2022, XXXX XXXX XXXX XXXX, 2022, XXXX XXXX XXXX XXXX XXXX XXXX, 2022, XXXX XXXX XXXX, 2022, XXXX XXXX XXXX XXXX XXXX, 2022, XXXX XXXX XXXX XXXX XXXX, 2022, XXXX XXXX XXXX XXXX XXXX XXXX 2022, XXXX XXXX XXXX XXXX XXXX XXXX 2022, XXXX XXXX XXXX XXXX XXXX XXXX 2022, XXXX XXXX XXXX XXXX, 2022, XXXX XXXX XXXX XXXX, 2022, XXXX XXXX XXXX XXXX XXXX 2022, XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX, 2022, XXXX XXXXXXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXXXXXX XXXX, 2022, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 2022, XXXX XXXX XXXX XXXXXXXX XXXX, 2022 XXXX XXXX XXXX XXXX, 2022, XXXX XXXX XXXXXXXX XXXX, 2022, XXXX XXXX XXXX XXXX XXXX, 2022
Product: Credit reporting or other personal consumer reports

Requested security freeze on XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request to Block Fraudulent Account - XXXX XXXX XXXX XXXX ( Account Ending in XXXX ) To Whom It XXXX Concern, I am writing to request the blocking of the fraudulent XXXX XXXX XXXX XXXX account ( Account Number ending in XXXX ) from my credit report. This account was opened and used without my authorization, and I have been a victim of identity theft. 

Per the Fair Credit Reporting Act ( FCRA ), I am exercising my right to have this fraudulent account blocked from my credit report. The account was confirmed as fraudulent, and I have taken the necessary steps to report the identity theft to the relevant authorities. 

I have enclosed the following documents to support my request for the account to be blocked : 1. A copy of my government-issued ID.

2. A copy of my Federal Trade Commission ( FTC ) Identity Theft Report. 
XXXX. XXXX XXXX document to support my claim. 

Please remove and block this account from my credit file as soon as possible, as it was not authorized by me and has negatively impacted my credit standing. Kindly notify me in writing once the account has been blocked. 

Thank you for your prompt attention to this matter. If further information is required, please do not hesitate to contact me.
Product: Debt collection

I spoke with XXXX XXXX. He transferred me to his supervisor, XXXX. I explained my situation. I needed the agreement to state when the debt was paid, the company would delete the trade line from my credit. He refused to put this in the letter. He stated their attorneys would not allow this verbiage to be used. No matter how many times I asked, begged and pleaded with him. He refused to add these words to the document. So, if I paid this off, it could still be on my credit and they wouldnt remove it!!!
Product: Consumer Loan

i am behind on my car payment but I have an automatic withdrawal set up to come out of account this month. they keep calling me every couple minutes sometimes XXXX in a minute. I know they are allowed to call but I did n't think this much. how can they do this. it 's depressing me. my phone beeping from them every minute of every day.
Product: Debt collection

Portfolio is making unauthorized access to my credit report in violation of the FCRA A thief used my Identity and social security number XXXX to obtain credit that Portfolio Recovery Associates now owns therefore any and all letters that XXXX sent to my attention prior to 2022 was not received by me because it was mailed to the identity thieves whose addresses were used to open those fraudulent accounts at XXXX XXXX XXXX, XXXX XXXX KY XXXX. The records that XXXX has purchased do not reflect a contract to pay signed by me, the contracts to pay were only signed by the identity thieves who stole my identity to open said accounts that are now owned by Portfolio Recovery Associates using my social security number XXXX. A debt collector only has permissible purpose to obtain a consumer 's credit report if they have active collection authority. FCRA 604 ( a ) ( 3 ) ( A ). Because the debts owned by Portfolio Recovery Associates using my social security number XXXX are all as a result of identity theft and fraud that means Portfolio Recovery Associates do not have a permissible purpose to obtain my credit report. On XX/XX/2022 Portfolio Recovery Associates provided me information to relay to them that I am a victim of identity theft. I emailed XXXX a copy of a FTC Identity Theft Report on XX/XX/2022. 
The ONLY way I became aware of Portfolio Recovery Associates is because their name is listed on my credit report as they are making many credit inquiries even though they have no legally permissible purposes and I am again notifying them to immediately cease accessing my credit report. The FCRA requires that a party requesting a credit report must provide one or more of the permissible purposes set forth under FCRA 604 if the consumer has not provided express authorization to the CRA for the debt collector to obtain a credit report. Since there are no AUTHORIZED unpaid debts for which Portfolio Recovery Associates has active collection authority, then they lack permissible purpose, and their inquiries are a violation of the FCRA. On XX/XX/2022 I have again disputed the inquiries via CFPB and directly to Portfolio Recovery Associates via email at XXXX and have advised Portfolio Recovery Associates that they have no active collection authority and any and all documents in their possession were not signed contracts by me nor authorized by me and in fact were a result of identity theft/fraud. Portfolio Recovery Associates can not refute that I am a victim of identity fraud/theft. Portfolio Recovery Associates is knowingly continuing to violate FCRA by accessing my credit reports.
Product: Debt collection

This company National Management Recovery Corp, ( www.nationalrecovery.net ) has been calling my office leaving messages on the general voice mail for all employees to hear, stating I am being investigated for fraud and to call them back? 
I sent XXXX certified letters to this company because there is XXXX address listed. Stating to send me in writing the debt and amount owed? Still this has not been done, they just call my office which I stated in the letter Can not be called, as my job will be at risk for these false accusations. 
I need help from someone to fight this illegal company? The number that they called from now is a VOIP number : XXXX there website list a different number. I am in a credit consolidation program and all creditors are being paid and addressed. This company will not tell me what the debt is or call me on my personal phone, only my office phone? 
I have done everything legally possible to find out what the debt is and to stop them from calling my place of business.
Product: Credit reporting or other personal consumer reports

Transunion XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Didnt apply for credit from these places Equifax XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX Didnt apply for credit from these places
Product: Credit reporting, credit repair services, or other personal consumer reports

This Inquiries is not mine and it's totally XXXX, I'm not aware with those Inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported a account name " XXXX XXXX Account XXXX '' as listed on Experian website and my credit report. I have no recollection of what this account is. When I submitted a dispute to Experian to look into this, they reported results as being accurate. What is accurate? What is this account? Is there a signature I provided for this account? If so, that signature or contract needs to be sent to me to verify. I received ZERO proof that this account is mine or what it even is. The Fair Credit Reporting Act states that if an account can not be proven as accurate, it must be deleted. I am asking for deletion of this account from my credit report since I have been provided ZERO proof that this account is mine. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are inaccurately reporting that I was late on my credit file : 1. XXXX XXXX ( Opened : XXXX XXXX ) - is incorrectly reporting that I was 60 days late XX/XX/XXXX ; please send me proof that this information is accurate. 

2. XXXX XXXX ( Opened : XX/XX/XXXX ) - is incorrectly reporting that I was 60 days late XX/XX/XXXX ; please send me proof that this information is accurate. 

3. XXXXXXXX XXXX - is incorrectly reporting that I was 30 days late from XX/XX/XXXX - XX/XX/XXXX and XXXX & XX/XX/XXXX ; please send me proof that this information is accurate. 

4. XXXX XXXX XXXX XXXX is incorrectly reporting that I was 30 days late XXXX XXXX ; please send me proof that this information is accurate. 

5. XXXX XXXX - is incorrectly reporting that I was 120 & 180 days late from XX/XX/XXXX - XX/XX/XXXX ; please send me proof that this information is accurate. 

6. Incorrect Personal Information : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX There is one account that is reporting on my credit file that does not belong to me : 1. XXXX XXXX XXXX - XXXX  XXXX XXXX
Product: Credit card

Capital One closed my account on XX/XX/ in adverse action during a Billing Error dispute which is prohibited pursuant to 12 CFR 1026.13 ( d ) ( 3 ). In their agreement it's stated in the event of dispute, claim, or controversy between you and us arising out of or relating to this Account, or the relationships resulting from this Account or any other dispute between you and us ( Claim ), either you or we may choose to resolve the Claim by binding arbitration. shall arise between me and Capital One, if it is not resolved we agreed to proceed to arbitration.

I filed a demand for arbitration and a email was sent from the XXXX XXXX XXXX on XX/XX/ with the Case Number : XXXX. Capital One did not pay their business filing fees on XX/XX/. XXXX gave them another opportunity to pay their filing fees for the second deadline of XX/XX/XXXX 
Capital One once again failed to pay their filing fees and the case was closed. Not only did they fail Regulation Z requirements, and Violate much of the Truth in Lending Billing Error laws, they also violated their own agreement. 

Capital One continued in deceptive tactics with lawless behavior. I can't believe the amount of Dishonor, Negligence, and Malice with evil intent to damage me.
Product: Money transfer, virtual currency, or money service

I am writing this regarding the lawsuit the cfpb is doing for Zelle. As I am still making use of Zelle for transfers, in 2022, me and my wife were trying to rent a house. The owner made it seem very legit that he was indeed the owner and allowed us to rent it only we should have known it was a scam because he was not present in doing a showing of the house. We paid {$2500.00} via Zelle transfer for first months rent and security deposit. And when I asked the man in the message about when we could get the keys to the house, he stated that he isnt what we thought he was and cut contact. We contacted Zelle and told us that they could do nothing about it. The transfer has been made. We contacted XXXX  XXXX XXXX and they did nothing as well. We were scam of our money.
Product: Checking or savings account

Checking, Savings, and Investment Accounts opened on XX/XX/year> Transfer of funds ( {$20.00}, XXXX ) from XXXX XXXX to Chase XXXX - week of XX/XX/year> Transfer of stock ( ~ {$30000.00} ) from XXXX to Chase XXXX - week of XX/XX/year> Text notification of bank account XXXX - XX/XX/year> Consumer attempt to mitigate account closure - XXXX XXXX XXXX Branch XXXX notification of final decision by bank to close accounts - XX/XX/year> Several consumer requests to bank on insight as to why bank account was closed upon transfer of funds ( consumer also unable to access online accounts nor obtain visibility into how money is being managed ) - XXXX XXXX XXXX Notification by bank of cashier 's XXXX XXXX for Savings account funds ) issued to XXXX - XX/XX/year> As of XX/XX/year>, consumer is still unclear on the status of the securities transferred to Chase from XXXX
Product: Credit card

I set up autopay with Bank of America a few months ago. When I go to their website I see the terms that i set up : Pay in full on the due date. For the XX/XX/XXXX cycle I paid directly through my bank because there was no notation on the bill that the autopayment was established. As of today I should have current charges not yet billed totally XXXX. This bill has not been rendered and there is no balance on the bill. The bill will be rendered on or about XXXX XXXX, and the due day would be XXXX XXXX or thereabouts. HOWEVER, the bank decided to debit a minimum payment of XXXX even though there is nothing due.
Product: Checking or savings account

OnXX/XX/XXXX, I contacted the Operation Mgr.for B of A and informed him I didn't receive a statement for my checking acct. I was provided a statement and discovered approximately XXXX on-line withdrawl transactions in the amt. of {$10000.00}. I spoke with a employee from the B of A fraud Department. On XXXX, I returned to B of A informing the same Operation Mgr. I did not receive a XX/XX/XXXX checking acct. statement. The unauthorized online withdrawls were reviewed a second time with the Fraud Department. I had been previously informed by the Operation Mgr.the first time freezing the acct. would not allow for any transaction withhdrawls online. He did not inform me electronic transactions would not occur. Beginning on/or about XXXX, B of A Dispute Resolutions sent letters for each transaction indicating the case had been reviewed and was closed for the following reason : " transaction name and customer name match, '' unless I was able to provide new information. 
I previously reported my account had been compromised. I have never had an online banking account and told the Manager and Operation Manager. Even though the names transaction and customer match, it was not the result of my use with my email address. It was fraud.
Product: Credit card or prepaid card

My Apple Card information was used I went to the XXXX  store where it was used at and XXXX the head lead couldnt find anywhere where my card was used and searched for anything bought with my email and there was nothing however when I was working clocked in serving tables in a different city my card was used for XXXX $ And I did not make that purchase or authorize it I was working
Product: Credit reporting or other personal consumer reports

I did not authorize any of the hard inquiries listed in this letter. This is not an opportunity for you to investigate as I have provided an identity theft report listing all of the unauthorized inquiries.

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, 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 by such agency of ( 2 ) a copy of an identity theft report Failing to comply with deleting the hard inquiries listed from my credit report within 14 business days will result in violating the Fair Credit Reporting Acts federally protected laws meaning Experian will be liable to me for statutory damages for Experians misconduct as per the FCRA ( 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) ).
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing a portion of my credit file related to fraudulent activity. However, there are still items that require removal. Under FCRA Section 605, you are obligated to remove any inaccurate records. I have previously submitted this documentation and am resubmitting it for your reference. Please be advised that my attorney is aware of my intentions and is prepared to hold you accountable for any continued non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1600.00} XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX : {$6700.00} XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$580.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CCB/DAVIDS, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CCB/DAVIDS, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

More than 30 days ago, On XX/XX/XXXX, I sent out dispute letters to TransUnion disputing several inaccurate and outdated personal information. Because you've failed to resolve this matter, The FCRA ( Fair Credit Reporting Act ) requires that you delete these items from my credit report. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestment under paragraph ( I ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( I ) Promptly delete that item of information from the file of the consumer, and ( ii ) Promptly notify the furnisher of that information that the information has been deleted from the file of the consumer. 

These inquiries were not authorized please remove them from my credit report immediately : -JXXXX XXXX XXXX XXXX XXXX XXXX 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