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

Transactions amounts, and dates can all be found on the attached file. 
I'm including the denial reason letter. Chime is full of it and refused to take care of unauthorized charges based on a deposit prior. Hello chime. Rejects were commenting on my direct deposit monthly from my v.a. XXXX.
Product: Debt collection

XX/XX/XXXX I was having financial problems. Came across a comercial on t.v regarding a payday loan ( XXXX XXXX XXXX  ) and applied. Didn't realize how much interest they were charging at the time ( 600 % ), even  with paying the minimun payments for months, I was unable to pay off the loan. 

XX/XX/XXXX we got a call from XXXX XXXX who were supposed to be collecting for XXXX XXXX told us that we needed to settle this debt. After one year of collecting and $ 800plus paid, my wife realized that we never got any written notice or any types of agreement about the debt. They had sent 2 e mails, which both amount did not match. 

XX/XX/XXXX, my wifes card which she was using to pay the monthly payments, was used by an unauthorized user outside the state we live in so we cancelled her card. Ms XXXX ( XXXX XXXX ) who is in charge of collecting the debt was notified that my wifes card was compromised. Ms XXXX then told us that we needed to get a prepaid card to pay the installments. 

Now I'm questioning wether this company is real or not since they want us to pay them with a prepaid card. One, they don't have a website, two, the email they sent does not have the business address, and three no paperworks regarding the debt and agreement were sent to us. 

Within the past couple of months we have been getting multiple calls daily in their attempt to collect. They have said that I've been sued but not received a summon and I also have contacted the county courts ( which I have lived in for the past five years ) and none said that they have any open or pending claims against me. Now they are threatening to garnish my wages, yet again no paperworks, no summons, nothing regarding the debt. And also the {$800.00} plus dollars we paid, XXXX XXXX is forfitting that amount and they want us to pay in full. 

I have other debts that I'm currently paying and those companies even after agreeing on the the phone, all have sent documentations for my copies and for me to sign, which I never received from XXXX XXXX or Ms XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX acct XXXX an fraud account listed on my report is the amount of {$17000.00}. XXXX XXXX acct XXXX has a fraud account listed on my credit for {$600.00}. XXXX acct XXXX has a fraud account listed on my report with credit limit of {$2000.00}. Hyundai Finc has a fraud account listed on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Transunion refuse to give me my credit report after illegally using my information, Im demanding my reports from all three agencies so I can access the damage done to my credit profile!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. Unverified Inquiry XXXX Date of inquiry : XX/XX/2021 Please Delete Immediately. 2. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 3. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 4. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 5. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 6. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 7. there is some inaccurate information reporting. XXXXXXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 8. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 9. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters and never got a reply, I have called and never got anyone to answer just a repeating auto information, I am locked out of my accounts with Equifax and XXXX. They are no help.
Product: Credit card or prepaid card

XXXX XXXX cards, please go to the website. issued a XXXX XXXX XXXX XXXX XXXX to me XXXX XXXX XXXX but would not deliver it to me. Instead the card went to several other people- Identity Theft. XXXX and XXXX were asked by justice and law enforcement and by cfpb to personally deliver the card to me. They have not done so. The damages are enormous from the identity theft and from not being able to use the card myself. I can be found at The XXXX XXXX XXXX XXXX in lower XXXX just a few feet away from XXXX XXXX. 
CFPB try extremely hard to have XXXX personally deliver the card to me, XXXX XXXX XXXX. You know that it is breaking the rules far too much what credit card companies have done to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently did an investigation on my credit report which caused severe XXXX upon me 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 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

DEPT OF EDXXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

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 reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX  XXXX Date Opened : XX/XX/2018 Balance : {$12000.00}.
Product: Credit reporting or other personal consumer reports

I live in Ohio and because of the Lending laws in Ohio this debit is null and void and un collectable. Ohio caps interest rates for loans to 28 percent and only maximum of XXXX dollars amount per loan. These internet loans are predatory and illegal. The interest rate for these loans are 300-400 percent. A XXXX dollar loan becomes XXXX and pay for 9 years. The below companies are on my credot report under the collections categoryXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both companies go through XXXX XXXX XXXX XXXX XXXX XXXX they also practice unfair collecting. Called my wife and other family members and forced me to start a monthly payment plan with them so they could stop calling my family. Very embarrassing and it should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the XXXXederal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 
inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 confidentiality under 15 USC 1681. 
Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX XXXX Account name : collection. 

Account name : XXXX  XXXX Account name : XXXX / paid off account. 

Account name : XXXX XXXX Account XXXX : XXXX / XXXX missing payment and repo, the account is open and paid on time. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX XXXX  Account number : 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 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: Debt collection

First : I have XXXX complaints about this collector ( XXXX XXXX ; phone : XXXX XXXX XXXX XXXX ). I do not owe this person anything at all AND his desperate attempt to reach me by phone is frightening. So, I live in XXXX and on the morning of XXXX XXXX, 2015, while I was talking on my land-line phone with my sister who lives in XXXX, I received a call from the office of XXXX XXXX. I saw the company name through caller-ID. I did not answer the call. 

About 5-10 minutes later, my sister ( who lives in XXXX ) receives a call and she assumed it was a family she had been XXXX. She placed me on hold and answered the call. In a few minutes, she returned to me and told me that someone named " XXXX XXXX '' had called and sternly asked for " ME '' by name. She told the person that I did not live there, but I was her sister and what did they want? She said the person immediately disconnected the call. Now ... .I DO NOT RECALL EVER, EVER VERBALLY COMMUNICATED WITH THIS DEBT COLLECTOR AT ALL ... ..NEVER. So, there is no way they would have access to my sister 's phone number and I have never, ever used her name for any ; absolutely any form of business. So, how did they get her phone number? And if they have been calling my phone number over time, what would lead them to call a different number? How did they get my sister 's phone number? 

So, my concern is : somehow, this company was able to tap into my sister 's land-line phone while we were on the phone at the time of their call. I do n't lknow how they did it, but this truly happened and they should not be allowed to get away with it. They clearly had a way to do that which is invasion of privacy and by doing so, exposed a personal issue of mine to my family member, who had no prior knowledge. 

I am offended ; I feel violated and I am fed up with the constant harrassment I have been receiving from this company. They should not have a right to do this to anyone ; even if they did owe them money. 

Please help me understand this.
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 reckoning lost funds was impossible and tracking these transactions was unfeasible. The CFPBs funding 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 serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove items 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 remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$170.00} XXXX XXXX Balance : {$160.00} XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$140.00} ; XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX.
Product: Debt collection

In response to a denial of an extension of credit, this consumer checked with one or more consumer reporting agencies and discovered the following : 1. Your company has furnished negative information concerning this consumer to one or more consumer credit reporting agencies as shown by the accompanying exhibits. 
2. This consumer is unsure whether or not your company can show that it has complied with the notice requirements found within the consumer protection laws.

3. This consumer does not recall having received the required notice apprising this consumer of the right to dispute the alleged debt, nor does this consumer recall having received any billing statements and/or statements of account bearing the number you used to furnish the negative information.

4. This consumer is without facts sufficient to form a belief that this consumer has a meaningful relationship with your company, and therefore must deny that such a relationship exists.

5. Notwithstanding any substantively admissible facts to the contrary, this consumer denies having any knowledge of the alleged account which the furnisher has placed on this consumers credit report.
Product: Debt collection

I have submitted a police report number filed with the XXXX XXXX Police Department ( Report # XXXX ) as requested by the Collection Agency filing the inaccurate information with the Credit Agencies. I was given an email to send the police report information to and I received a read receipt confirming that Central Financial Control received it and read it. I was plainly informed that the false information would be removed from my credit report shortly after filing the Police Report. Yet I have waited for over 3 months with no change to my credit files.
Product: Vehicle loan or lease

I heard of a lawsuit against credit acceptance corporation and I believe that I have been taken advantage of by them and over charged
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX  account was closed as a charge off and closed account is off XX/XX/2020. The creditor agreed to remove off the report and is still popping up on the report I tried to dispute it numerous times and is still there it is in violation of my rights. According to the fair credit report action section 609 you are required by federal law to verify through the physical verification of the original sign consumer contract any and all accounts you posted on the credit report. I already demanded the verification proof the original consumer contract with my signature on it. it havent been sent. I disputed this account numerous times are ready.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item listed below to be an error. 

XXXX OPEN DATE : XX/XX/year> - ACCT # XXXX Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21days before the payment due date. I NEVER gave TRANSUNION Reporting Agency OR XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). TRANSUNION Credit Reporting Agency has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ 1k per violation, for unauthorized credit reporting listed without my expressed written consent.
Product: Debt collection

I am writing to formally dispute and request a correction of the following information appearing on my XXXX  consumer report : The report indicates that I owe a balance to this company, but I have never been notified, advised, or contacted about this debt via physical documentation or correspondence. 
- The reported balance is inflated and does not reflect any costs I was ever advised of. 
- I was never provided documentation or account details to verify the legitimacy of this claim. 
- A forwarding address was on file, so any paperwork should have been sent to me. 
- This is the **second claim** the company has attempted to place on me. The first was disputed directly with XXXX, as neither balance reflected the remaining amount or the agreed-upon terms to break the lease. 
- This debt was reported during a **national state of emergency** ( XXXX pandemic ), during which I was personally affected and can provide proof of financial hardship. 
- I was forced to relocate in XXXX XXXX due to the closure of the college I was attending and can provide proof of relocation with a parent or guardian. 
- The original lease agreement stated that the balance to break the lease did not exceed ** $ XXXX, and I was advised that breaking the lease was not possible during my relocation. 
- At the time of vacancy, I was a **military spouse** and provided military orders, proof of marriage, and active service documentation. I can provide this proof again if needed. 
- I request a formal investigation into the legitimacy of this debt and a correction of the reported balance. 
- I also request leniency due to the circumstances surrounding this debt, including the national emergency and my inability to resolve this matter earlier due to lack of communication from your company. 
I can provide the following documentation to support my dispute : 1. Proof of no legal contact or documentation from your company since XXXX. 
2. Proof of income loss during the XXXX pandemic. 
XXXX. Proof of forced relocation in XXXX XXXX. 
4. A copy of the original lease agreement, which states the balance to break the lease did not exceed ** $ XXXX. 
5. Proof of military spouse status, including military orders, marriage certificate, and active service documentation at the time of vacancy. 

I look forward to your prompt response and resolution of this matter. Please contact me if additional information is required.