23daVinci/CFPB_Complaints huggingface dataset:
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 Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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: Payday loan, title loan, or personal loan

I did not agree to the terms they have now added I was suppose to pay {$170.00} for 15 payments and I have been paying this bill since XXXX or XXXX  it was right when COVID-19 1st hit I have asked they to STOP reporting inaccurate info on my credit report but they have not and now they are taking me to court I do not owe them anything and I want my report fixed they had a alleged documents that looks like a copy and paste of my signature. I owe them nothing and wish for the collections to cease and my credit report updated immediately.
Product: Credit reporting or other personal consumer reports

I received several notices that my information was involved in a security breach. So I checked my credit report and noticed multiple inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ref account number XXXX ALLY Finance. This vehicle was total in XX/XX/XXXX, last payment made was in XX/XX/XXXX. This account is outside of the 7-year threshold. Also note this account was paid, however it shows active payments throughout XXXX, with a charge off in XX/XX/XXXX. This account also shows late payments in XXXX ( 30days late ) XXXX ( 60 days late ) and XXXX ( 90 days late ) in XXXX. 
Kindly note, each investigation, results in additional inaccuracies. This account continues to adversely affect my credit rating because of the numerous negative inaccurate changes. XXXX  continues to publish this report, with zero effective investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which is caused XXXX XXXX upon and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15. U.S Code 1681 e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were % 100 accurate under 15. U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure.
Product: Checking or savings account

I moved to XXXX from the XXXX several years back. I recently tried to close my credit card and checking accounts with the Bank of America. While they closed my credit card account, they were unable to assist me in closing my checking account. Since I no longer reside in the XXXX and can not visit a branch, I could only call them. 

Unfortunately, their call center representatives are unable to close the account because their system asks for an expired ID of mine which I no longer possess. I had provided them with both my passport and visa at the time of opening the account, but are unwilling/ incapable of accommodating my changed circumstances. They refuse to use alternate means to authenticate me. Also, I fail to understand how they were able to close my credit card account without any fuss, but are dragging their feet when it comes to a checking account. 

If I don't close my account, I will soon start incurring unnecessary charges for not maintaining the requisite balance, which will in turn affect my credit history. It is imperative that the account be closed at the earliest.
Product: Credit reporting or other personal consumer reports

TransUnion has no problem being in constant violation of the Fair Credit Reporting Act ( FCRA ). The rights that protect Victims from Identity Theft is and has been being ignored by TransUnion. TransUnion illegal acts need to be stopped, immediately. The Victims of Identity Theft are being ignored. The Victims of Identity Theft are being laid to rest to stay as Victims to those who have stolen their Identity. TransUnion is leading the way for these Criminals to continue to commit these acts of Identity Theft without anything being done by TransUnion. The Fair Credit Reporting Act ( FCRA ) of 15USC 1681C-1 ( FCRA Section 605A ), 15USC 1681C-2 ( FCRA Section 605B ), FCRA Section 609 ( e ), FCRA Section 615 ( e ), FCRA Section 605C-1,15USC Section 1681 ( FCRA Section 604A ( 2 ) ) means nothing to TransUnion. These same Acts that are in place to protect the public from Identity Theft are the same acts TransUnion are ignoring. The public will stay and be Victims of Identity Theft even with Legal and Verifiable Documents IdentityTheft Police Report and an Identity Theft Report from the Federal Trade Commission ( FTC ). When will this abuse of power and authority stop to be stopped by TransUnion?
Product: Debt collection

I was contacted by the company called. XXXX XXXX XXXX XXXX XXXX Their address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX. This debt collector has harassed me. They have called multiple times stating I owe them {$8400.00}. I explained to them I needed proof of this statement because I moved from the apartment located in XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXn XX/XX/2021. The debt collector company then proceeded to state that I never returned the keys to this apartment complex. I stated I didnt have the proof but a few months later I found the letter I had signed when I returned the keys. I disputed via XXXX and provided this proof and also attached the paper by the school provided to me the same day I took my kids out of school. There hasnt been any response towards this proof I provided. I called and explained to them I did a dispute with PROOF and they removed the debt from my XXXX credit but then they put it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus September 9, 2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please abide with the law in order for this matter to be resolved promptly. 

XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}XXXX XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}
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 ZELLLE 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. 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 transparence is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX I did paid in full on XX/XX/2017 to XXXX  XXXX And Still Showing the balance At XXXX report. 

My card number was : XXXX If you have any questions contact Mr.XXXX XXXX collection department XXXX XXXX At XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Update Personal Information on Credit Profile
Product: Debt collection

It started after i received a collection letter from Southwest Credit Systems on XXXX, it was in reference to an unpaid XXXX XXXX bill in Illinois in the amount of {$230.00}. I immediately contacted the collection company and told them this is not my bill, and that i have not resided in Illinois since XX/XX/XXXX. Then i contacted my local police dept and filed a police report on XXXX for identity theft/fraud. Then i contacted XXXX XXXX and fought with them as they stated the name on the XXXX XXXX account was the same as mine, and that the ss # which they made me verify, was the same as mine. They explained the gentleman 's name was also the same as mine, and told me the acct was opened XXXX, and a women called and closed the XXXX acct out on XXXX. To make a long story short, XXXX XXXX verified the information that i had given to them, they also stated the acct holder had auto debit, and the bills were going to a women in Illinois, but yet they would not clear it. They said to wait 45 days for them to do the investigation, and within less then 30 days, they had already turned this acct over to the collection agency. I did receive a call from XXXX XXXX on XXXX from a man who said he had verified all the info we had given him, and that he had credited the acct, and was going to clear the remaining balance, even though he believes it should not be done, but someone told him to. I was also told they would send me an activity statement, and that they would send documentation to the collection agency that the acct was paid. As of XXXX i called Southwest Credit Agency and they have not received any documentation from XXXX XXXX to Clear this acct. On XXXX, i contacted XXXX XXXX customer service to ask once again for an activity statement, proof its paid off, and for them to notify the credit agency. They refuse to notify the collection agency that this is not our acct, i have also tried to dispute this charge in my credit bureaus and they stated they will not remove it. What happened to the saying, your innocent until proven guilty??? How do i get this off my credit, when it is not my acct. Any help you can give me in this matter would be greatly appreciated. I can not send any documentation since all i have is a collection letter. I do have notes, dates, and people i have spoken to since this has begun back on XXXX.
Product: Debt collection

I recently checked my credit report and to my surprise its showing unauthorize accounts/collections. There is a collection from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. I am requesting DEBT VALIDATION, showing a detailed list of history of payments made by myself on these accounts, the original contract with my signature showing I agree to pay these creditors, has it been any insurance claim made on these accounts, and lastly proof that you have the chain of title to collect on this debt. According to the FCRA with out providing this proof these accounts should be removed immediately.
Product: Credit card

On XX/XX/XXXX I filed a dispute against a charge on my Chase credit card. The charge in question was in the amount of {$480.00} dated XX/XX/XXXX. They delay for the dispute was me giving the merchant the benefit of the doubt to make it right before calling Chase. The merchant was not willing to rectify the situation after over a month so I moved on to disputing the charge with Chase. At no point between the date I filed the dispute and today has Chase requested any additional information besides a letter from a 3rd party which has now been submitted but as i was speaking with them on the phone, they informed me the they closed this dispute the same day they requested information. This means that they never intended to review the information being requested as it is physically impossible for them to review any documentation because they closed the dispute before asking for it. There has been no communication from Chase regarding this to me and I was informed today that the dispute has been closed due to a lack of information received by me. I have submitted this information to Chase but they have told me it is too late and they will not reverse the charge even though I have now supplied the documentation requested by Chase specifically ( Per their request ). I do not believe Chase made any meaningful attempt to investigate this matter and instead are hoping I will let this go. This is a valid dispute and the merchant is being paid for services that were not rendered or received, and Chase is not willing to actually investigate the dispute. I am being charged for a service that was not provided and for material that was not provided, I have multiple pieces of documentation outlining this but was told they do not want the information i have. I have submitted it to them anyways but have now been told it doesn't matter. I have also requested to speak to a member of their management team and have been told by 2 supervisor that manager do not take calls and there is none else I can speak to. I am coming here in hopes that someone from Chase will reach out and rectify this matter as I have been a card holder for over 15 years and have never filed a credit card dispute in my life until this one. Chase is passing the buck because they dont want to do their part in investigation disputes effectively. they have made a decision with absolutely no information and closed the dispute before even asking for any documentation what so ever.
Product: Credit card or prepaid card

Long story short, I keep getting repeat charges for XXXX Restore balance. Everytime Capital One reports it as fraud, the merchant keeps recharging the card. Capital One keeps saying they can not block individaul merchants. This is the 7th time this merchant has been reported as fraud. XXXX  ( XXXX? ) does not have a phone number to report this problem too. This charge is a recurring subscription. I do not use XXXX or XXXX-based products. I keep getting new cards shipped out. I am so frustrated. Please help.
Product: Credit card or prepaid card

I have the XXXX XXXX card which is administered by SYNCHRONY BANK. 

I have 6 months interest free promotional offers and have used their offers often, but starting noticing that they were paying off my least amount of interest first leaving the ones with higher interest so that they would rack up more interest charges. I called and complained and they were removed. Was then told to call in each month to say where I wanted my payments allocated too. During my last 2 billing cycles NONE of my payments have been applied to where I wanted them and feel as thou they are jerking me around to get more money from me. Which means they are most likely doing this to others as well. 

I still have an interest FREE payment running till 2019 and was so fed up with them not allocating the funds for the last 2 billing payments where I asked that I just paid the whole statement in Full this billing Cycle. This is such an unfair practice and if it continues I will file a lawsuit against them. 

They tell their consumers to call into them to make sure payments get to the right things you want to pay off but then just apply it all like they've been doing so that they will still get Interest Charges.  I'm done with XXXX and any companies they do business with.
Product: Checking or savings account

Enrolled in the oops program with navy federal for overdraft protection. Outstanding over draft fees caused my account to be closed.
Product: Debt collection

I am writing to file a formal complaint against Westlake Portfolio Management. They have been attempting to collect money from me for an auto loan that I have never taken out, and I believe this is a violation of the Fair Debt Collection Practices Act. I am providing the following details to support my complaint. Despite not having any contractual agreement or association with an auto loan with them, Westlake Portfolio Management has persistently contacted me, demanding payment for a supposed debt. The contract that I had was with US Auto Sales/Finance and they filed for bankruptcy XXXX  XXXX XXXX  is a debt collector not a finance company. This company even went as far as being put on my credit reports. I would like to clarify that I have never entered into any auto loan agreement or made any transactions with the company they claim to represent. I kindly request that XXXX provide me with detailed documentation regarding this alleged auto loan debt. This includes the auto loan agreement, my wet signature, any loan statements, or any other supporting documentation that establishes the legitimacy of the debt. I urge them to clarify the origin of this debt and verify my liability. I formally dispute the debt in question due to the lack of evidence and my complete absence of any involvement with the alleged auto loan. I kindly request that all further collection attempts cease until XXXX can provide proper documentation and prove my liability. In order to ensure clear and effective communication, I prefer to be contacted by mail. Please refrain from contacting me via phone or email until this matter is resolved. I request that XXXX conduct an immediate and thorough investigation into my claim. I expect a comprehensive response within 30 days, addressing the specific details of this complaint and providing a resolution to this matter. Attached to this complaint, you will find copies of all correspondence and any supporting documents I have related to this issue. I appreciate your attention to this matter and your assistance in resolving this unjust debt collection attempt. I trust that the Consumer Financial Protection Bureau will take the necessary steps to investigate this complaint and take appropriate action against XXXX if deemed necessary. Thank you for your prompt attention to this matter. I look forward to a swift resolution.
Product: Mortgage

My ex-husband and I took out a second mortgage from Beneficial for {$17000.00}, in XX/XX/XXXX. We then went through a separation in XXXX, and then a divorce. This created a lot of financial hardship for both of us, which led to a Chapt 7 bankruptcy with discharge in XXXX. Since I was still living in the home, I was told I could voluntarily pay the loan back, ( I did n't reaffirm loan ) which I tried to do sporadically until XXXX, when my payment was abruptly returned. The letter accompanying the payment stated that the account had been closed. Since I received no further communication, I assumed the debt had been discharged and I was no longer required to pay it. About 6 months ago, I inquired into refinancing the home, and was told that Beneficial had a lien on the title. I explained about the abrupt payment return, and even showed that the account was reported as closed on my credit report. I was told to contact Beneficial to request a release of lien. After many attempts, I finally reached someone who informed me that Beneficial had sold my loan in XXXX. After a lot of research and unsuccessful phone calls, I was led to a representative from XXXX ( formerly XXXX ), who told me that my account was active and had been accruing interest. She informed me that I now owe {$18000.00}. She told me there was a note in the account not to contact me due to the discharged bankruptcy. So, not only was I not notified of the change of lender, but I was being charged interest on an account I thought was closed! XXXX wants to negotiate a settlement, but they do not hold the lien on my title, it is still listed as Beneficial, in county records, who has already received payment when they sold the loan. I am concerned that if I pay XXXX, They will not have the authority to release the lien, and Beneficial can still have a claim on my house. I do n't know what to do at this point, and legal counsel is very costly. Are you able to point me in the right direction?
Product: Credit reporting or other personal consumer reports

I have submitted disputes to TransUnion, XXXX, and XXXX regarding inaccurate information on my credit report. I clearly identified the accounts in question and outlined the violations they are making to my consumer report. Over 30 days have passed, and they have not provided any response. Attached are copies of all correspondence sent. 

This company is in violation of FCRA 623 ( a ) ( b ) for not marking the disputed account as disputed.

Additionally, there has been a violation of FCRA 605 ( c ), as the date of last activity is being reported incorrectly, when it should reflect the date of the last payment made.

This company continues to fail to validate this collection account, further breaching FDCPA 809 ( b ) as per the FTC 's opinion.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX is reporting an inaccurate balance amount. I disputed it and it cans back verified. I called Chex system to report that the amount is inaccurate. I was told by the original representative and then again by her XXXX XXXX XXXX XXXX XXXX ) that I couldnt dispute again. I was also told that XXXX XXXX XXXX XXXX account was accurate although it isnt. I advised that they were violating my consumer rights but XXXX disconnected the call in my face I advised before that it was illegal for Chex system to post inaccurate unverified information.
Product: Debt collection

Sent Certified Letters dated XX/XX/2019, XX/XX/2019 and XX/XX/2019 disputing a claim I have an {$1600.00} charge-off. Requested Midland Credit Management , Inc. ( a.k.a. Midland Funding LLC ) provide " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Midland. Additionally, provide the name, address, and telephone number of each person who personally verified this alleged account, so that I could inquire about how they " verified '' without any proof, bearing my signature. Requested, in each certified letter, a copy of any documents, bearing my signature, showing that I have a legally binding contract to pay Midland the  alleged amount.