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

On XX/XX/2020 submitted a dispute letter to Equifax stating and labeling specific inaccuracies with a Negative Account name XXXX  # XXXX I ask for a specific investigation into elements of this inaccurate reporting. I then also ask for documentation from the investigation as well as the Method Of Verification for this investigation. I got neither a Method of Verification documents nor did I get a investigation based off of my dispute.. Equifax replied to the the dispute by saying the account was verified as account verified as belonging to me, when this was not the premise or reason for my dispute as stated in the original dispute letter which I uploaded to this complaint along with the supporting documentation proving and showing inaccuracies for the negative account XXXX  # XXXX. Now to get to the nature of my dispute for XXXX # XXXX - XXXX. Reporting 3 different Date of 1st delinquency 3 Bureaus 2. Reporting 3 Date of last payments. 4. Date of last payment is not the same across the 3 Credit Bureaus. 
By looking at the documentation I submitted these is just some of the multitude of errors that I disputed specifically and never was investigated in too. All I got was Results saying ACCOUNT BELONGS TO ME, WHICH WAS NOT MY DISPUTE. A FURNISHER CAN NOT FURNISH XXXX DIFFERENT VERSION OF SUPPOSEDLY THE SAME ACCOUNT TO 3 BUREAUS saying 3 different things.it 's obvious the Equifax did not do a complete and thorough investigation, and did not rely on any of the proof that I submitted to them. 
bankruptcy is not the issue with this account nor is who it belongs too. The issue is no one from JPMCB was contacted for the dispute and no evidence was submitted there is 3 different reporting on these issues of my dispute I have proven that so deletion is the only outcome which was the the determination Transunion came too
Product: Debt collection

Collection company : XXXX XXXX XXXX Orginal creditor : XXXX XXXX XXXX XXXX XXXX Date of service : XXXX can not confirm, only provided date they received claim:XX/XX/18 Amount : {$250.00} This account has been listed on my credit report. I have reached out to XXXX  via phone ane certified mail asking for itemized proof and I have not received a response, or a response that does not indicate or prove the validity of the account, including proof : 1. I had the reported service 2. List of services charged for 3. The cost of each service reported Furthermore, XXXX XXXX XXXX XXXX XXXX  nor XXXX XXXX Collection Company provided me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. This is my second and final notice of this violation before I will proceed with legal action as prescribed by law against your organization and the creditor listed above unless this item is deleted from my credit report within the required time allowed by law. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I plead for help and a quick response.
Product: Credit card

NOTICE OF DEFAULT and OPPORTUNITY TO CURE Notice to Principal is Notice to Agent / Notice to Agent is Notice to Principal FROM : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX TO : BMO Harris bank XXXX XXXX XXXX XXXX XXXX, IL XXXX DATE : XX/XX/2023 VIA : Certified Mail # XXXX RE : Loan Account # XXXX hereinafter Loan This is a Notice of Fault and Opportunity to Cure upon the presentments enclosed within the Certified Mailing, received by the BMO HARRIS Bank on XX/XX/2023 and as evidenced by Certified Mail # XXXX. 
By the terms and conditions of the agreement contained in that document, since XXXX XXXX disputed the alleged debt, BMO HARRIS Bank was under obligation to timely and in good faith provide full validation and verification by providing the promissory note and signed contract with my two wet signatures of the debt under penalty of perjury within twenty ( 20 ) days pursuant to UCC and FDCPA or request an extension of time. Instead BMO HARRIS provided a XXXX credit card agreement with no signature. 
The BMO HARRIS Bank 's failure to honor the offer places BMO HARRIS Bank at fault. This is the XXXX XXXX 's good faith offer to extend the time by an additional five ( 5 ) days from date of delivery to give the BMO HARRIS Bank an opportunity to cure BMO HARRIS Bank 's fault, to make the required presentment and to cure BMO HARRIS Bank 's fault. 
Should the BMO HARRIS Bank fail, refuse or neglect to respond to this Notice of Fault and Opportunity to Cure, XXXX XXXX will enter a Notice of Default, as second witness, upon the BMO HARRIS Bank. 
Of this presentment the BMO HARRIS Bank should take due Notice and heed, and govern oneself accordingly under the FCRA regulations. I will have all rights to sue BMO HARRIS bank for willful non-compliance and seek economic and emotional damages under the FCRA and contract law regulations. 
If BMO HARRIS Bank can not validate and verify with a promissory note and contract with my XXXX wet signatures, then BMO HARRIS Bank needs to delete and remove this account from my credit profile, because it is ruining my credit worthiness to purchase a home. 
Fault : " American Law - Negligence ; an error or defect of judgment or of conduct ; any deviation from prudence, duty, or rectitude ; any shortcoming, or neglect of care or performance resulting from inattention, incapacity, or perversity ; a wrong tendency, course, or act ; bad faith or mismanagement ; neglect of duty. '' XXXX XXXX XXXX, XXXX XXXX, page XXXX. 
Default : " By its derivation, a failure.. An omission of that which ought to be doneSpecifically, the omission or failure to perform a legal dutyThe term also embraces the idea of dishonesty and of wrongful act. '' XXXX, page XXXX. 
Promissory Note : XXXX XXXX XXXX XXXX written promise to pay a debt by a specific date. It can be turned to cash by transferring it to another party. 
NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence Sincerely and with all rights reserved,
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 recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs 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. The lack of accountability and transparency is unacceptable and raises serious concerns regarding consumer safety.
Product: Debt collection

I lived with my grandfather for a short period of time and he would have drug users come in and out of the home we shared. This is not my credit card and I never had a credit card with them. I used a mailbox for 2 years during the time they said this was opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted a ltter to XXXX XXXX asking the following : XXXX XXXX XXXX/ XXXX / Account # XXXX -What Name Does This Belong To? 
-What Social Security Number ( SSN ) is affiliated with this account? 
-What address do you have on record? 
-How have you certified for this to be accurate under the FCRA?
Product: Credit reporting, credit repair services, or other personal consumer reports

Company Name : XXXX XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX I disputed this account more than once ; the first dispute was on XX/XX/XXXX. I sent in an FTC report and affidavit along with my driver 's license and social security card. I sent in a dispute notifying the credit bureaus that this account isn't my account and that I was a victim of the Equifax data breach. XXXX told me I should talk to the creditor even though I provided XXXX with what they asked me to provide in order to dispute the item. Neither bureau ( XXXXEquifax/XXXX XXXX XXXXXXXX XXXX XXXX has contacted me with proof of investigation results by phone or letter. The second dispute was on in XXXX of XXXX and XXXX told me they will not put the item in dispute because the company said the debt is mine without proof. 

Company Name : XXXX XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX I disputed this account more than once ; the first dispute was on XX/XX/XXXX. I sent in an FTC report and affidavit along with my driver 's license and social security card. I sent in a dispute notifying the credit bureaus that this account isn't my account and that I was a victim of the Equifax data breach. XXXX told me I should talk to the creditor even though I provided XXXX with what they asked me to provide in order to dispute the item. Neither bureau ( XXXX/Equifax/XXXX XXXX XXXX XXXXXXXX XXXX has contacted me with proof of investigation results by phone or letter. The second dispute was on in XXXX of XXXX and XXXX told me they will not put the item in dispute because the company said the debt is mine without proof.
Product: Credit reporting

Equifax has an account from XXXX XXXX and XXXX listed on my credit report. I have disputed this with them. I filed a complaint about the reporting company ( XXXX ) and they are not able to locate my account. How can they report this account but can not find me in their system. Sufficient information was provided. I have no knowledge of this account as I have never received any dispute letter as required by the FDCPA. How can Equifax allow a company to post something to my credit report without verification? Equifax has done this to me many times in the past and I have had to secure an attorney to help with this matter. If this is not corrected I will be forced to add this to the list for my attorney. I have attached my complaints with the CFPB where this company states that they can not find me in their system.
Product: Debt collection

XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXXXXXXUnited States Phone:XXXXXXXXI have been called at XXXX in the morning to almost XXXX at night XXXX times a day. I have asked them to stop on several calls and the Reps all say they will not stop and they will call me whenever they feel like it. I have asked them on these several communications to please stop harrassing me they laugh and say " they will call as many times as they wish and no one can do anything about this '' They have also called me from personal cell phones at XXXX. They are trying to collect a debt that is over XXXX years old that I just do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer is reporting incorrect information I received alert saying an was 180 days past due for a loan amount of {$100000.00}. This information is incorrect and is not my account. I have never taken a loan out for {$100000.00}. Santander is reporting someone else account on my credit report. I called and explained this to them however, the young lady said that I need to call the CB and let them know. However, this is harming my credit score being that this isn't my account and that the amount of this debt is extremely large. I have asked for documentation showing that I have account with them and they have yet to provide me with any proof. They stated they would have the fraud dept. reach out to me. I haven't heard anything back about the matter. Can we please get this matter resolved as soon as possible please. 

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

In accordance with the Fair Credit Reporting Act, MIDLAND CREDIT MANAGEMENT Account # XXXX  XXXX has violated my rights. 

15 USC 1681 Subsection 602 : States that I have the right to privacy.

15 USC 1681 Subsection 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX XXXX  XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Acct # XXXX Amount {$1800.00} XXXX XXXX Acct # XXXX Amount {$54.00} XXXX XXXX XXXX Acct # XXXX Amount {$1200.00} XXXX XXXX Acct # XXXX Amount {$110.00} XXXX Acct # XXXX Amount {$450.00}
Product: Money transfer, virtual currency, or money service

I have someone in XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX, shes called XXXX banks, she made someone mailed a check to her using a spammed bank so that she will deposit the check in the atm and withdraw the funds out. This woman has been doing this fraud for a couple of times now and I caught her. I need the fbi to go arrest and jail her because she has been stealing from peoples bank for a very long period of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

You may seek damages from violators. ... XXXX, Banks, savings associations, and credit unions with total assets of over {$10.00} XXXX and their affiliates ... FTC XXXX XXXX for region in which the credit operates or Federal Trade Commission : ... 

XXXX XXXX XXXX XXXX was the likely source of the complaints to the Federal Trade Commission accusing XXXX  of falsifying income information on loan applications, says XXXX co-owner and general manager XXXX XXXX. 

XXXX also believes that complaints from the XXXX XXXX XXXX XXXX XXXX spurred the FTC to take action which began in XXXX of XXXX. 

The FTC complaint, echoing those from XXXX and the XXXX XXXX XXXX XXXX XXXX, accuses XXXX XXXX XXXX of doctoring up loan applications, reporting false customer income amounts and false advertising. 

The FTC came to us and said were prepared to file this complaint unless you settle with us, XXXX said. In the negotiations that followed, XXXX said, it became apparent to him that the FTCs case was short on facts. Initially, XXXX said, the FTC proposed a settlement that would have had XXXX paying {$1.00} XXXX. That amount being offered now is down to {$500000.00}. 

When XXXX  confronted the FTC, questioning the veracity of information from XXXX, the agency brought up the complaints from the XXXX XXXX XXXX XXXX XXXX. The FTC said nearly 50 percent of the complaints from XXXX car buyers were aimed at XXXX. 

XXXX said his next move was to send his XXXX XXXX XXXX, a XXXX, to explore the XXXX XXXX XXXX XXXX XXXX data. What he found out was that they went around to the XXXX Houses and asked people if they had any complaints. It is true that the majority of complaints were about XXXX, but many of them were about things like I didnt get my payment book, things unrelated to the deal. 

With three dealerships in XXXX XXXX border towns, XXXX said, his company likely sold the most vehicles to XXXX  and its not surprising that his dealerships were mentioned most in complaints. 

From the thousands of cars and trucks that XXXX has sold to people who live on the XXXX XXXX, XXXX said, of the total number of complaints the XXXX XXXX XXXX XXXX XXXX gathered around 30 or 40 are about XXXX. 

They all know XXXX a bad actor, thats been proven, XXXX said. But, I think the FTC wants to go after dealers that benefitted from this. I think theyre suggesting that there are dealers that exploited it, saying dealers should have acted when Santanders didnt. 

XX/XX/XXXX - The dealer may hold onto the contract, but typically, it's sold to a bank ... settle the FTC 's charges that the company violated the FTC Act. CPS ... Every consumer has the right to be treated fairly when it comes to debt collection.
Product: Payday loan, title loan, or personal loan

I previously had a loan with them as my car as collateral. I had no issues and every payment was on time. I was paying off the loan fairly quick because I made an extra monthly payment. They emailed and called me asking if I wanted to take out more on the loan. I was involved in a XXXX XXXXXXXX situation and said yes to use the funds to get out of the house. They now have the loan at {$20000.00}. Ive paid almost {$1000.00} since XX/XX/2022 and the loan only went down {$200.00}. I called them and they said all loans in Texas are now interest bearing loans so a certain percentage goes to the interest and the rest to the main balance. I explained thats NOT what I had previously. They refused to send my loan agreement ( claimed they emailed it previously but I dont have it ). Theyve been very uncooperative.
Product: Credit reporting or other personal consumer reports

I wrote a letter to Experian about a month ago and still no response and no removal for the items on my credit report. Experian is in violations of the Fair Credit reporting act, 15 USC 1681a ( 2 ) ( b ). Privacy Act Rights of 1974, 5 USC 552a.

It has been more then 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CARRIED OUT MULTIPLE MANAGEMENTS WITH TRANSUNION, VERY CONCERNED ABOUT THE ACCOUNTS THAT ARE IN THE CREDIT THAT ARE NOT MINE. AND I HAVE NOT RECEIVED TRANSUNION LETTERS. 

I request the removal of these accounts that are affecting me and are not mine : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX
Product: Debt collection

The Fair Credit Reporting Act requires that credit reporting agencies reports information accurately. However, XXXX EQUIFAX, and XXXX XXXXs reporting much of my consumer information inaccurately. For example, my auto loan and mortgage note should be the only items appearing on any of my credit reports because of substantial discrepancies in which exists elsewhere in my report. Moreover, FCRA requires " consistency '' between credit reporting, thus, to the extent XXXX, EQUIFAX, or XXXX disputes these claims, complainant would be forced to provide proof of the inaccuracy the credit bureaus are liable for.
Product: Student loan

I received a voice message which read that my student loan had been restructured and that I have to call back at a number they gave me to discuss the terms of the restructuring. The number they left was XXXX. When I called the number, the person named XXXX answered. He said that he was working for the department of education, informed me that there was a class action suit against Navient ( my loan servicer ) and that my loan qualified for forgiveness. 

The person had knowledge of my student loan, the total amount I owe, the structure of my loan ( that it is six small loans ) the phone number and email associated with the loan. He sent me a six digit code in my email ( which he had ) and asked me to repeat it to him. The he asked for my birthday only. He asked me if I make over Under {$1000.00} a month. I told him that I do not have a set job and I make {$2500.00} a month but not every month the same amount. sometimes less. 
Then he offered to me the restructuring plan : According to the I has to pay {$240.00} per month for four months, then $ XXXXmonth for the next 36 months. after than the loan will be paid. I asked him to end me the terms he is offering to me in writing and I will call him back. 
Then I received an email which contained a n snap shot of my total loan. The email was sent from : XXXX XXXX, XXXX XXXX, tel : ( XXXX ) XXXX, fax ( XXXX. 
e-mail : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. 
web site : XXXX 

I believe that this is a scam. But I am very concerned that he had all this information about me.! 

Later I received emails and text messages saying that somebody changed my FAS ID password. I called Navient whose representative informed me that I have to filed a scam complaint with you.
Product: Student loan

Attached please find copies of payments made to the student loan when i filed Chapter XXXX back on XX/XX/year> As you can see the Principle balance at the time was {$94.00} plus {$950.00} in interest When the student loan repayment resumed i recieved letters from Mohela with numbers that refect much higher numbers both in the principle amount and the interest which was stopped for almost 3 years during XXXX. I have been unsuccesful in trying to reach anyone by XXXX mail or phone to get these numbers corrected I am trying to attempt to resume payments but my financial situation does not allow me to pay {$880.00} a month that is requested with both my husband and i recieving Social Security The lawyer that handled ny filing suggested we contact you in the hopes of requesting accurate numbers so we can move forward i look forward to hearing from you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recent review a copy of my credit report and notice I had fraudulent account on my report. Please remove this account from my report, it's hurting my ability to obtain credit
Product: Credit card or prepaid card

On XX/XX/XXXX I sent a check and letter to Chase requesting to close and pay off one of my credit cards with them. The payment was received and posted to my account by the end of the month. I monitored the account and the payment posted XX/XX/XXXX. I expected that this would perhaps leave a small balance outstanding due to the timing so I monitored the account, waiting for the remaining balance to post. I did not receive any further account statements and the account in the app and website showed a XXXX balance. The account then disappeared from the website and app and I received no statement for the month of XXXX. I assumed the account had been closed in accordance with my letter. Now, today, XX/XX/XXXX, I receive a statement saying I owe money on the account, and I have since XXXX. This is the first I'm hearing about a supposed two-month-old balance, despite monitoring my accounts and emails. I requested the statement be mailed to me, since my access to the account has been cut off, but if I had not been carefully screening my emails for notice of a balance, I would have missed this alleged balance entirely. I can't understand why they would hide this from me unless they anticipated sending it to collections against me.