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

The scammer posed as a professor from my university who was hiring for his lab. He contacted me through email using the account XXXX as well as his phone number XXXX. I accepted the job. On XX/XX/year>, scammer emails me pictures of a {$2500.00} check to print out and deposit. After the funds were made available in my Bank of America checking account on XX/XX/year>, he requested I take the amount out in cash and bring it to XXXX. He then sends barcodes for me to make payments to with the cash. Then he requests I send the receipts from these transactions. On XX/XX/year>, he sends another check for me to deposit and asks me to make a payment on his behalf that will be reimbursed once the check is made available by my bank. I agree. I repeat the process of withdrawing cash, going to XXXX, and loading it into barcodes given by the scammer. On XX/XX/year> and XX/XX/year>, my Bank of America checking account shows that both checks were counterfeit. In total, I was scammed out of {$5000.00}. I made calls to Bank of America asking to refund me on the grounds of a counterfeit check, to which they refused. I also made calls to XXXX asking them to track down the scammer based on the receipts from the transactions, and they said they could not.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN 2009, the IRS mistakenly issued a lien in XXXX county ( XXXX ) Tennessee. The lien was for a different person with a similar name -- but was reported to all 3 major credit bureaus. I discovered it a few weeks after it hit -- and went thru a 3 month ordeal proving that it did not belong to me and getting both a release of the lien and then a withdrawal of the lien from the IRS. 
Once arranged, I forwarded both documents to all 3 credit bureaus and the item was properly removed from my credit files. 
Last week, in preparation for buying a home, A loan service ran my credit reports -- 2 were accurate ( XXXX XXXX and XXXX ) but Equifax was once again falsely reporting this lien as still active -- negating my ability to gain a loan. When I contacted them they informed it would take from 3-6 weeks to resolve -- and that they would mail me a copy of the credit report but would not in any way address the issues until I had gone BACK thru their complaint systems again. 
I have since sent the documents to the loan company and I think my loan will be fine -- but that does n't excuse the sick and perverse maintenance of this lie about me that has likely been there for months -- after successfullly removing it for most of a decade. 

Their conduct is such that I believe that they should be forced out of business -- as I can not see any other way that this event occurred other than thru Gross Incompetence or Deliberate Malicious action -- in either case -- please, please SHUT DOWN THE Equifax LIE FACTORY!
Product: Debt collection

Sunrise Credit Services Company has called repeatedly in regards to a collection account that I do not owe. They have been calling since XX/XX/2019. I spoke to the company XX/XX/XXXX, and they were unable to verify my name and and address, and had an Address on file Ive never lived at before. They had stated that I am not the person they are looking for, but they are still harassing me to this day.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are discrepancies on my personal credit report ( s ) that are in violation of my consumer rights. Please permanently delete and block the below accounts and inquiries from my XXXX, EQUIFAX, and XXXX  credit report ( s ). These inquiries are fraudulent and unverifiable. 

ACCOUNTS : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRIES 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 

These accounts and inquiries are unverifiable, fraudulent, and are in violation of my consumer rights. I am requesting to permanently remove these accounts and inquiries.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 infeasible. The CFPBs findings findings indicate that Zelle had not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I checked my XXXX, Transunion and XXXX credit reports and immediately identified 2 XXXX XXXX  credit card accounts that didnt belong to me. These accounts are closed on my credit reports but nonetheless these closed accounts are the result of identity theft and are inaccurate. I filed a police report with XXXX police department ( see attached ) and I filed an identity theft report with the FTC ( see attached ) all information is listed on attached documents. 

15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code ( 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 ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX  Account 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 or prepaid card

I applied for capital one credit card and they keep denying me. I have attached their reason. Capital one does not understand that I can't be denied credit, credit is a right granted as pursuant to 12 cfr part 1002.2 ( j ). Capital one is discriminating against me and they are not granting me the right of extension as a natural person primarily for personal, family, or household purposes when I am exercising my right to credit in good faith. When I provided my social security card number I provided my credit card according to 15 usc 1602LThe term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
Product: Vehicle loan or lease

XXXX the branch manager of the Bank of America at XXXX XXXX XXXX, XXXX, NJ XXXX refuses after two requests from me to delete the pending {$39.00} late charge on car loan payments! 

This even though I have repeatedly stated that because of the novel coronavirus my beloved wife XXXX and I have not been able to work. In fact, XXXX had to quit her job after 16 years! 

This branch manager and the Bank of America demand that I pay this {$39.00} late charge even though I have been making payments steadily all along at {$500.00} and now because of the brutal cruelty of this bank at the original amount of {$770.00}, this bank paying no attention at all to the novel coronavirus as it it does not exist and never did! 

I refuse to pay this {$39.00} late fee! And shall not do so!
Product: Credit reporting, credit repair services, or other personal consumer reports

Convergent outsourcing is reporting an account that they claim was sent to them for XXXX. The verification they sent me shows a final bill in XXXX. This bill is beyond the statue of limitations to be collected on and should not be reporting to my credit report anymore. I have filed a claim with FTC and have sought legal help. Credit reporting agency also has not sought proper verification for this dispute.
Product: Debt collection

Have received 2 letters from Harris & Harris regarding debt that is not mine.

Debt is for ambulance service rendered at an address which is not mine nor have I requested ambulance service. 
My home address is in the jurisdiction of XXXX XXXX XXXX XXXX. 
My address is not serviced by the XXXX XXXX XXXX XXXX XXXX. 
My address is serviced by the XXXX XXXX XXXX XXXX XXXX, the two agencies are not the same. 
The information I received from the XXXX XXXX XXXX service is the patient for who the bill is for lives at XXXX XXXX XXXX XXXX. 
I live at XXXX XXXX XXXX How is Harris and Harris allowed to pick a name out of a hat and just send them a bill which is not theirs requesting payment.? 
Harris and Harris uses two different reference Numbers XXXX Account number XXXX I am reporting this company for fraud. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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, Account name : Capital XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, has violated my rights. I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) 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, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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: Credit card or prepaid card

On XX/XX/XXXX I made a payment of {$200.00} dollars to Sears Citi Bank Credit card.. then on the XXXX of XXXX the company processed an unauthorized payment of {$330.00}. I've been calling since the XXXX. Each time I've called I've received the answer of its been investigated. Will take 5 days for that. I call back after five days. And I get an answer it's being processed.. a refund is being sent back to the banking account. I have called over several days to be exact.. 10 calls since the XXXX. I've been disconnected or put on hold for 45 mins then disconnected. Now I've received an email stating ... " Great news your request for an electronic refunds will be deposited into your bank account within 1-2 business days and no further action is required '' .. after 3 business days I contacted the credit card company. I was told that email was to inform me it was being sent to be investigated. I read the email back to the agent. In two seconds she disconnected the call. After being on hold for 45 mins. So I called back and I was told a check was sent to the bank.. nothing was received and my bank. So then I was put on hold for a supervisor which refused to speak to me. So I asked to be transferred to a supervisor in the USA. After 35 mins.. I spike to supposed supervisor. She then said I had called and canceled the refund to the bank. I then read her the email for the refund. And also told the day I called about the unauthorized payment was to find out where and when will the refund be returned into bank account. Why would I cancel the request and then receive the email..and why would I have been calling after the request was canceled. I told each individual I've spoken to.. '' why was this payment processed without my consent..even after I've a payment. I get no responce. So Monday the XX/XX/21 I called and requesteda supervisor from the US..again 50 mins later I get the supervisor.. he says it should have been processed. So I verified account number and routing number. He said it was correct. And now he had to file an investigation to see why the refund had not been processed. So another 5 business days for that. I've been in the runaround with this company. It didn't take them a month to remove the funds from the bank..and shouldn't take a month to return it. I've been told so many reasons it will be refunded and it's been thru 4 investigated processes. I'm at my wit 's end with Sears Citi bank card.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX Ally Financial XX/XX/year> To Whom It May Concern : I noticed that you are reporting inaccurate information in my credit report and that you keep verifying this account when it is clearly inaccurate. This letter serves as a DEMAND to validate this account : Ally Financial : XXXX Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXX ) & ( XXXX XXXX XXXX XXXX XXXX ) If you can not provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying, and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without giving me all the items listed, you will violate the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Product: Credit reporting or other personal consumer reports

It seems FCRA 605B mandates the removal of any wrong accounts from my credit report. Can you verify the documents? Several listed accounts have errors in reporting, amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

How corrupt can XXXX  be, I have told them about the error on one of the accounts on my credit report and they sent me a document telling me that the creditor verified the account. The XXXX XXXX account with account number XXXX is being reported wrong and I have told them this, XXXX  is not willing to fix the error but they wont delete the account either, the open date on this account is different from what XXXX and TRANSUNION are reporting, how can this be happening if this is the same account and the same creditor. According to the FCRA, errors on my credit report must be deleted or corrected, I have never said that this account isnt mine, but I did tell XXXX  to investigate because the open date on this account is wrong.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX || XXXX || XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Five collection accounts were deleted due to me not having a legal contract with the company and during the equifax breach the collection accounts were added back on. I uploaded copies showing the accounts were deleted and the documents showing the accounts being added back on! As laws go, the Fair Credit Reporting Act ( FCRA ) If an item is inaccurate, the bureau has to remove it. If they later discover that the error has been corrected they cant put the negative item back in your report. But if they do that they first have to tell you 5 days before they reinstate the item. And Equifax did NOT notify me The FCRA requires credit reporting agencies to " maintain reasonable procedures that ensure maximum possible accuracy.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and noticed that there some fraudulent account on here and they're hindering me from obtaining credit at this time. 

Please come up with a fair resolution to this problem. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX, and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX Balance Owed : {$3300.00}
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX. 
XXXX, Tx XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX Subject : Request for XXXX XXXX Dear United Credit & Collection, I am writing to formally request validation of the debt referenced in your recent correspondence. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you claim I owe. Please provide me with the following information : 1. A copy of the assignment contract that verifies your legal right to collect this debt, please be sure my name and account number is written on this document.

2. The original creditor 's name and contact information.

3. The amount of the debt, including any interest or fees.

4. Any documentation that supports your claim. Additionally, I request that you cease and desist all collection activities until you provide the requested validation. This includes refraining from reporting this debt to any credit reporting agencies until you can verify the legitimacy of your claim.

5. Bill of sale with my name and account number listed on it.

Please send all requested information to my address listed above. Until I receive the requested validation, I ask that you cease all collection activities, as required by law. Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Debt collection

I called this collection company on XX/XX/18 at XXXX XXXX. I first spoke to a XXXX who said they were unwilling to accept payments from me unless it was one payment for the total amount owed. Once I said I couldn't do that, he transferred me to their legal depart. XXXX got on the phone and said since I am not cooperating, by not paying the full amount up front, that my account is now on hold for legal review. I asked him to explain what that meant and he wouldn't. He kept repeating its in review for legal. I asked to speak to his supervisor. He transferred me to XXXX XXXX who as well began threating legal action. I asked her what type of legal action and her response was, " you don't pay me nor are you my boss, I don't need to answer that question. '' I kindly asked her again, what are their policy and procedures to collect a debt and she again said she isn't my attorney and refused to answer. I asked her if I could please start sending payments and she said no, they would only accept the amount in full and if not there would be legal implications. Again, I asked what type of legal implications and she refused to answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of fraud, I don't have a clue where these inquiries came from and I did not give authorization for any of these companies to check my credit report. PLEASE provide proof of original date, s times and years, I gave autorization 's for these INQUIRES. Please seed me original contracts from parent companies that I allegedly signed, NOT billing statements. ORIGINAL contracts.

XXXX XXXX XXXX XXXX XXXX   ... .XX/XX/XXXX XXXX XXXX XXXX ... ..XX/XX/XXXX XXXX ... ... ... ... ... ... ..XX/XX/XXXX XXXX XXXX XXXX ... ..XX/XX/XXXX XXXX ... ... ... ... ... ... ... ... ... .XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never granted the following companies any authorization to access my credit report, and they are in clear violation of this code. As a result, I am requesting the removal of the following account ( s ), as they are causing harm to my reputation, character, creditworthiness, credit standing, and credit capacity. 

Please note that I am filing a legal identity theft report with the FTC, which I am submitting under penalty of perjury, and I am enclosing it with this letter. Given your legal responsibility to protect my privacy, I expect this issue to be addressed with the highest level of urgency. 

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

JXXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute