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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$24000.00}
Product: Credit card or prepaid card

the pay is whit capital one credicard they force to pay. {$55.00} dollar and they are reporting to my credit score
Product: Debt collection

I recently pulled my credit file and I realized XXXX XXXX was listed on my credit report from a collection that was placed in XXXX 2009 for {$270.00} I contacted the representative and I stated I do n't recall a having a pay day loan from XXXX XXXX and that I am a victim of theft. The representative insisted on saying I was still responsible for the account. I received threatening phone calls from a representative stating I had to pay the account within 30 days are legal action will take place on my personal property.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, identified multiple violations of my rights under the FCRA and related federal regulations due to inaccurate and unauthorized reporting on my credit report. The violations include : FCRA Section 616 - Civil Liability for Willful Noncompliance : Credit information about me was accepted and reported without proper verification, demonstrating willful noncompliance.

FCRA Section 603 ( d ) ( 2 ) ( A ) : My right to opt out of sharing personal information was not disclosed, which is deceptive and a violation of my consumer rights.

FCRA Section 623 ( a ) ( 3 ) : Inaccurate accounts and inquiries were reported without proper validation.

Debt Collection Practices Violations : Harassment and unfair practices occurred through the reporting of inaccurate debts.

Third-Party Contact Violations : My debt information was improperly disclosed to third-party agencies.

Timely Payment Violations : " Late payments '' were reported inaccurately, without clear definitions or validation.

Finance Charge Errors : Finance charges were calculated incorrectly.

Unauthorized Inquiries : Hard inquiries appeared on my report without my consent, violating permissible purposes under 15 USC 1681b ( a ) ( 2 ).

Actions Requested : Corrections to Personal Information : I demand the immediate deletion of outdated or incorrect addresses.

Late Payment Updates : I request that late payments for multiple accounts be updated as " paid as agreed, never late. '' Validation of Debts : Debt collectors must provide validation under 15 USC 1692g, including original contracts or applications bearing my signature. Without proof, these entries must be removed from my report.

Removal of Unauthorized Hard Inquiries : All hard inquiries made without my authorization must be deleted.

General Cleanup : I expect the removal of all inaccurate and unauthorized accounts from my credit report. 
XXXX XXXX : I demand immediate corrective action to address these violations. If the necessary updates and validations are not provided, I will pursue legal remedies under the FCRA to enforce my rights and seek compensation for noncompliance.
Product: Debt collection

I am in receipt of settlement offer dated XX/XX/XXXX offering a Temporary Payment Arrangement, and a Resolution Amount of {$79000.00} ( copy enclosed ). 
I am also in receipt of letter dated XX/XX/XXXX, wherein stated the balance due is {$33000.00} ( copy enclosed ). 
I am also in receipt of letter dated XX/XX/XXXX in which the balance due is {$32000.00} ( copy enclosed ). 
And finally, I am in receipt of a letter dated XX/XX/XXXX, wherein a Resolution Amount of {$19000.00}. 
As you can see, the documentation that has been provided to me in regards to the stated balance due, is nowhere near recent resolution amount {$79000.00}. 
I am therefore and hereby requesting that Real Time Solutions provide me with a complete and detailed accounting of this debt, including all copies of letters that have been sent to me in regards to the collection of this debt and a copy of the Notice of Servicing Transfer. Pending receipt and concurrence of this information, I am prepared to consider a resolution offer of {$19000.00}, to be paid through escrow from the proceeds of a refinance of the first mortgage. 
Please contact me at your earliest convenience, as I am anxious to get this matter settled.
Product: Debt collection

Jefferson capital system wont mail me an itemized receipt of the debt ( {$690.00} ) or tell me who the original creditor is. Tried to dispute it but XXXX XXXX says its correct ; never been contacted or mailed anything about this debt
Product: Credit card or prepaid card

There are XXXX charged-off accounts being reported on my credit report for three different retail stores, all financed by the same bank ( Comenity Bank ) XXXX I've sent several written letters, most recently on XX/XX/2023, asking that the charged off accounts be deleted entirely from my Credit Report. 

As detailed by the IRS via www.irs.gov- a creditor files a form 1099c ( Cancellation of Debt ) when they charge off a debt greater than {$600.00}. When debt is written off by a creditor, the form 1099c classifies the written off debt as taxable income of the debtor. Thus, these charged off accounts have been added to my taxable income and I have paid taxes on said income. As a result, the XXXX charged off accounts on my credit report must be deleted entirely, as they are inaccurately reporting these accounts on my consumer report. I have written to Comenity Bank asking that they provide me with a copy of the 1099c forms for each charge off on my credit report, so that I can forward it to the three Credit Bureaus as proof of the written off amounts being taxable income and I have forwarded the corresponding information to XXXX, XXXX and XXXX, to no avail. I have followed up in writing to the XXXX Credit Bureaus and the continue to update it as accurate. My consumer rights are being violated, as they are inaccurately reporting information on my consumer report. 

After Comenity Bank recently received my complaint in this regard, the inaccurately reported the information as valid, failed to remove the charged off accounts from my credit report, and decreased my spending limit on an open card that I have with them, causing my consumer report score to drop further, in retaliation for my complaint regarding the inaccuracies. They are predatory and need to be held accountable for these disgusting practices.
Product: Credit reporting or other personal consumer reports

I have a XXXX XXXX  bank inquiry thats not mine and a XXXX inquiry from someone that signed into my account and took XXXX POINTS FROM ME, I WILL SHOW YALL ANYTHING YALL NEED BUT I WANT THIS OFF ASAP THIS IS NOT ME. IVE CONTACTED XXXX AND IVE CONTACTED XXXX XXXX AND BOTH APPLICATIONS HAVE BEEN CANCELED now please take this off immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

There is fraudulent information being reported and sold to credit agencies by LexisNexis. This information has been added to my identity theft report filed with the FTC. Please see attached documents for personal statement along with other documents for my claim.
Product: Credit card or prepaid card

I have been in contact with this company as well as the Consumer Reporting Agencies since XX/XX/2021 in regard to this fraudulent account reporting on my consumer report. Account number : XXXX I have receptively attempted to have this matter handled and JP MORGAN CHASE fails to follow FDCPA and FCRA guidelines. In fact, with complete disregard they violate FDCPA and FCRA laws by falsely reporting multiple late payments in one month. This erroneous and egregious act of trying to attempt on a fraudulent debt has caused tremendous turmoil in my livelihood. As JP MORGAN CHASE has violated Section 623 ( A ) ( 1 ) ( A ) ( B ) as they continue to furnish this fraudulent account to the Consumer Reporting Agencies.

As well as 15 USC 1681o 15 USC 1681s-2 I am also entitled to remedy for every late payment that has been reported since notice of the dispute of the fraudulent account. I have not received any goods or services from this company and have no intentions to do so.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, The information listed below which appears on my credit is the resort of that identity theft ..... 

XXXX Account # XXXX please remove it from my credit report XXXXXXXX XXXX Account # XXXX please remove it from my credit report XXXX XXXX XXXXXXXX XXXX  Account # XXXX please remove it from my credit report Please block this information from my credit within four business days, pursuant to section 605 C of the Fair Credit Reporting Act. 

Please send me notification of the action taken, i appreciate your prompt attention to this matter.
Product: Debt collection

ACIMA DIGITAL FKA SIMP Lease with account # XXXX opened on XX/XX/year> and a balance of {$850.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment Under the Fair Credit Reporting must be removed from my credit report after seven years.
Product: Credit reporting or other personal consumer reports

Remove late fee and charge offs on my credit reports that were not supposed to be reported from XXXX, due to the hardship of the pandemic. 

I found late payments from my credit card that were reported to all 3 bureaus. 
XXXXXXXX XXXX XXXX XXXXXXXX ; Charge off : XXXX XXXX : XXXX ; Charge off : XXXXXXXX XXXX XXXX XXXX XXXXXXXX ; Charge off : XXXXXXXX XXXX XXXXXXXX : XXXX ; Charge off : XXXX
Product: Checking or savings account

I received a statement in the mail that said I opened a checking account with XXXX and they provided a debit card. A second piece of mail for the pin to the debit card and a third piece of mail that said I didn't have sufficient funds for a transfer. I called and told them I did NOT open an account. 

How is it possible that a bank can open a new account without running a credit report or calling me???
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sold an item on XXXX for the very first time. I recieved my payment for the item through Paypal because that is the only option offered to collect payment. When I received my money in my Paypal account {$91.00} or 2.9 % plus XXXX cents had been taken by Paypal in fees. At no time was I notified about the fee and it was never disclosed anywhere in the interface between XXXX and Paypay. I called XXXX and they verified that there is no disclosure to new or returning XXXX customers that states that Paypal will be deducting this fee, I also asked if I had any option other than using Paypal to collect the fee and I was told no. This is basically a forced fee since there's no other options to collect the money and they do not disclose the fee at all when you list your item on XXXX. I called Paypal today XX/XX/XXXX asking for the fee to be reversed because it was never disclosed anywhere on the XXXX and Paypal interface and the lady said that's my problem and that I should have read the small print whenever I signed up for Paypal. I signed up for Paypal YEARS ago. Nobody reads all the fine print and the way I typically use Paypal has no fees. It is not clearly stated or disclosed anywhere a consumer would actually notice it. The Paypal fee should be disclosed in a way that's easy to see and understand at the time you agree to collect payment through Paypal from selling your item on XXXX. This is a huge scam that I'm sure thousands of people fall for every day with absolutely no recourse. These big companies should have to be honest and forthcoming about the fees they charge which are astronomical and are based on a total percentage of a sale. In my case, the sale was several thousand dollars resulting in a huge fee that I never would have agreed to pay had I known in advance or had I been given any other option to collect my proceeds. Since XXXX and Paypay are associated they are completely abusing their clients by forcing them to pay an undisclosed fee to their sister company Paypal and giving them no other options but to use Paypal to receive proceeds.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX reported XXXX delinquencies on my credit report for balance of less than {$50.00}. I was assured I had autopay. I never received notice of these delinquencies nor did XXXX XXXX XXXXXXXX enable autopay as it had indicated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  refuse to remove incorrect personal information. Names and addresses.
Product: Checking or savings account

I opened my account in   XXXX   XXXX   XXXX     promised I am opening a veteran account and would be charged no monthly service fee. If you check my bank statements attached you will find that they did not charge me service fees. I kept calling  Wells Fargo  every month once i found out and was able to get the fee reversed each time spending hours on the phone and at the end of the call having their representative state that this is a  one tim e courtesy refund and my rebuttal of I do not accept this as a  one time courtesy but a  need for you to fix the promise made when I opened the account. After the 4th time and going through several managers I decided to just close my account, because  XXXX  offers premier bank accounts to their veterans with safety deposit boxes, and keeps their word to veterans. So I am out all of those monthly service fees they kept charging me for years, and this leads to yet another reason I am writing. After closing my bank account  2 co mpanies,  XXXX  and  XXXX , sent me refunds to my account on file, they instructed me that typically the bank sends the money in the form of a check to the recipient or contacts them. I called  Wells Fargo , they claim no refunds await me, and yet both companies state  Well Fargo, " has the funds. ''
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is in violation of fair credit reporting act. 15 USC Code 1681s- 2 section F reporting infomation during Covid 19 ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. 

the covered period started XXXX XXXX XXXX  and ends XXXX after the XX/XX/XXXXXXXX  and late payments were being reported during the covered accommodation period.
Product: Student loan

On XX/XX/2022 I requested a refund of all payments made to my student loans from Mohela in accordance with the CARES act. I have received 2 loan refunds in the amount of XXXX, but I am missing two payments for over XXXX that were made to XXXX. XXXX is no longer servicing the loans. I have since called XXXX, XXXX, XXXX, XXXX. XXXX XXXX I attempted to call and could not get in contact with a representative. It has been close to 5 months without resolution.
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 confidentially under 15 USC 1681. Act Name : XXXX  XXXX, XXXX Act Name : XXXX XXXX  XXXX Act Name : XXXX 's, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

The last time that I had the credit card ( 4XXXX XXXX XXXX XXXX ) in my possession was after I made the monthly payment of {$160.00} on XX/XX/2020. My work associates and myself went to a lunch on XX/XX/2020 and I brought the credit card in my pant pocket in case it was my turn to buy lunch that particular day. When I returned home that day and couldn't find my card I contacted the issuing bank immediately with no resolution whatsoever.

Since that exact day I have called 11 times with average wait times totaling one hour and a half - three hours and forty minutes. Most of the time I get hung up on by a third world country citizen that speaks nearly no English. They have NEVER attempted to call me back or email me back in any way. 

Last week I received a letter stating that a payment from an unknown source was attempted and failed to pay nearly {$600.00} in unauthorized charges. The bank did nothing to prevent the continued illegal use of my card. Instead, they are charging me {$65.00} for every attempt that the thieves make to use the card and access its funds. Now the online account associated with this card has been hacked and they REFUSE to issue a replacement card or honor the VISA 0 % LIABILITY PROTECTION POLICY. 

They continue to refuse to help me to this day and let criminals rack up a near {$1000.00} in illegal charges on the card. I must now go beyond CFPB and file FEDERAL and STATE charges against COMMERCE BANK and hire an attorney to bring suit. 


*ISSUE A REPLACEMENT CARD AND INITIATE VISA 0 % FRAUD LIABILITY ON ALL PURCHASES SINCE XX/XX/2020 AND REMOVE THE DOZENS OF FEES THAT I AS A VICTIM HAVE BEEN CHARGED BY YOUR BANK AS YOU SAT ON YOUR XXXX AND LET CRIMINALS HAVE A XXXX HAYDAY WITH MY CREDIT!!!!!!!
Product: Vehicle loan or lease

I paid my car in full XX/XX/2021 with Mid Atlantic Finance. My payment in full was made a month early the supervisor that took my payment advised me I would be recieiving a paid in full letter along with payment receipt that reflects a XXXX  balance. She then explained I wouldn't be able to recieve those documents right then due to processing of the payment which would take 3-5 business days depending on bank, I used my debit card on file that is set up for automatic withdrawal that payment cleared almost immediately. However come Monday XX/XX/2021 I still havent recieved a email from the supervisor or anyone associated with Mid Atlantic I have called over 5x today, spoken with 3 supervisor that were EXTERMELY RUDE, they were not helpful and never sent me any emails even after repeately telling me I would after 5mins. I called back for the 6th time to finally speak with a supervisor that actually sent an email with an attachment however the attachment was nothing more than my payment history something I could see on the app The payment history still shows my monthly installment due to XX/XX/2021 nothing indicates the car is paid off. The supervisor did explain it would be 30 business days before I recieve my title, I have no problem waiting 30 business days for the title but i do have a problem waiting 30 days for paid in full letter or copy of reciept that reflects it was my last payment I am running into issues trying to trade in my car because it's simply showing I am still responsible for a payment and my car isnt paid off. Mid Atlantic Finance Company has by far the rudest customer service agents in the industry of customer service. They are not helpful, they are incredibly rude and just a horrible company to do business with. They charge {$6.00} when you make a payment, the only way to avoid the {$6.00} " service fee '' is to mail a check. The last supervisor I spoke with XXXX XXXX her email XXXX hung up on me while I was speaking and kept talking over me noy understanding my concerns externally unprofessional
Product: Credit reporting, credit repair services, or other personal consumer reports

My situation is XXXX XXXX XXXX negatively reporting my car loan. I sent a letter to the president of the company requesting that the negative reporting status of the account be updated. The account hasnt been behind in nearly a year and should report as Pays as agreed or something similar. Im seeing the potentially negative account status in XXXX XXXX and other report providers.
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 covering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises a great concern about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these the inaccurate information and accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to deletes any accounts and inaccurate information not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$460.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$290.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$510.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$180.00} Medical XXXX Balance : {$3.00} XXXX XXXX Balance : {$9.00} Medical XXXX Balance : {$1.00} Medical XXXX Balance : {$20.00} Medical XXXX Balance : {$20.00} Medical XXXX Balance : {$16.00} Medical XXXX Balance : {$14.00} Medical XXXX Balance : {$11.00} Medical XXXX Balance : {$9.00} Medical XXXX Balance : {$8.00} Medical XXXX Balance : {$8.00} Medical XXXX Balance : {$6.00} Medical XXXX Balance : {$4.00} Medical XXXX Balance : {$9.00} Medical XXXX Balance : {$7.00} Medical XXXX Balance : {$23.00} Medical XXXX Balance : {$33.00} Medical XXXX Balance : {$23.00} Medical XXXX Balance : {$33.00} Medical XXXX Balance : {$23.00} Medical XXXX Balance : {$9.00} Medical XXXX Balance : {$15.00} Medical XXXX Balance : {$19.00} Medical XXXX Balance : {$33.00} Medical XXXX Balance : {$19.00} Medical XXXX Balance : {$33.00} Medical XXXX Balance : {$19.00} Medical XXXX Balance : {$23.00} Medical XXXX Balance : {$10.00} Medical XXXX Balance : {$7.00} Medical XXXX Balance : {$16.00} Medical XXXX Balance : {$13.00}