23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There is an item from XXXX XXXX XXXX XXXX, a collection agency that hit my credit report on Saturday XX/XX/2019 today and the office is not taking my calls. Someone is there because it is dated today. I just moved into this town. That may have been a mistake and I believe someone is intentionally trying to ruin my credit. This should not be on my credit report and is not a valid debt as it reports a XXXX balance and was not previously reported. It needs to be removed and blocked and the company is not taking calls on the issue. Someone was there to help me because it literally just posted today. 

My guess is that this company collects for the community I moved into last month. The collection agency is in the same town as my community. The community manager is not aware that I saw that my apartment went onto the market after I failed to pay my rent on XX/XX/2019. I paid it on the XXXX having utilized the grace period. They took the apartment off the market on XXXX after discovering that I paid the rent the day before. I have no idea if the community manager was spawned by the XXXX and a lying XXXX at the time, but she did all she could to hold me up from getting into this apartment. They recently left a card on my door with their core values which included serving the TEAM first. Shouldn't they be serving residents?? This was a personal message that they will back one another at all costs. Other residents have encouraged me telling that she will always do what she has to to feel like I am beneath her. It was the nicest way of calling her XXXX without saying the word I guess. I've seen so much come out of her that I can't put it passed her to get a head start on sending me to their debt collection agency prematurely sure of herself that I was not going to have my rent for XXXX on time. I need this company removed and blocked from my credit report until I am done legally following through on all matters accordingly. This is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020, I sent a certified letter to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX requesting a cure letter, deficiency letter, and a surplus letter to find out how they arrived at an owed balance of {$8500.00}. I never received a response back from XXXX XXXX XXXX XXXX. In addition, I sent dispute of the balance to all three major Consumer Reporting Agencies ( XXXX, XXXX, and Experian ). Today, I checked my credit report and notice that the account XXXX XXXX XXXX XXXX and account # XXXX. Is still reporting on my credit reports inaccurately and without proper validation. I still have not received a cure letter or deficiency letter and from my understanding the UCC 9 ( 16 ) says that the account a consumer should receive this no later than 14 days after requesting it. 
For easy read I am pointing out the following inaccuracies : The account has not been properly noted the account was and is being disputed.

15 U.S. Code 1681s2 ( B ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

Secondly, from my understanding Metro 2 is the industry standard used to help maximize possible accuracy. The following fields are not being reported or being reported inaccurately. Field 7 Consumer Account is reporting inaccurately, because the account number XXXX has been redacted XXXX Report the individual 's complete and unique account number as extracted from your file ). Do not include embedded blanks or special characters. Field 25-Date of First Delinquency is incomplete, because no Date of First Delinquency is being reported on this account. Field 26-Date closed is incomplete, because it is not being reported. Field 27- Date of last payment is incomplete, because it is not being reported.
Product: Money transfer, virtual currency, or money service

This complaint is in regard to a Zelle transaction. I sent funds last evening XX/XX/XXXX around XXXX to a new lawn care company I just hired ; he requested that I pay through Zelle. I sent {$120.00} to him via Zelle, problem was I mistyped his email address by omitting one character. Apparently, the email address I entered has a Zelle account associated with it as the transaction completed. 

I contacted my bank and they said sorry, nothing we can do, I found a contact number for Zelle, that was no help as they referred me back to my bank, XXXX XXXX XXXX. 

I sent an email to the email that the money went to explaining the error and did not get a reply. 

I had an issue with Zelle in XX/XX/XXXX, after the hurricane, I needed a new fence, a contractor gave me an acceptable estimate ( {$6000.00} ) requesting a 50 % deposit, {$3000.00}. I sent him the money to him and never heard from him again. My bank would not do anything about it, I filed a police report, they assigned a detective who tried to get info from my bank and Zelle, the detective was unsuccessful as they would not provide the needed info to attempt to get the funds back. 

Zelle is a convenient way of sending money, but the sender can not file a dispute, in essence, the sender has no recourse. All the bank says that when you Zelle funds to someone it's like handing them cash, as such you are just out the money. Zelle needs to protect the users of its app, they don't. If money is sent in error to someone who has a Zelle account, as in this case, they should contact the recipient and tell them to send the $ back or their account will be disabled.
Product: Credit card or prepaid card

Please see attached correspondence. I am being held responsible for over {$12000.00} in charges made without my authorization. The fraudulent charges were made over two weeks in XX/XX/2017, a holiday period during which the risk of fraud is known to be high. The total charged fraudulently during this two week period was almost double the highest monthly charges to the account in two years and nearly four times the average monthly balance for 2017. As set forth in the attachments to this complaint, in type, volume, amount, pattern and type of merchant, the charges clearly and obviously were unusual and suspicious as compared to prior account activity. I learned of the identity theft only after my Wells Fargo VISA credit card was declined for a modest purchase at a grocery store and I promptly called Wells Fargo customer service. It was only on my initiative in calling and in checking my account on-line while speaking with customer service personnel that the fraud was identified. Contrary to every telephone conversation about the matter with representatives of Wells Fargo, during which I was assured that I would not be held responsible for the unauthorized charges, I now understand that Wells Fargo is holding me liable without supporting evidence and without advising me of any recourse or rights that I might have. The Wells Fargo correspondence states only that Wells Fargo found no fraud occurred [ s ] ince your card was in your possession. ( See correspondence attached. ) Insofar as Wells Fargo has acknowledged the fact that the card was in my possession, and insofar as the Federal Reserve Board guidance states that the cardholder is not liable when the card itself is not presented, I may not be held liable for the unauthorized charges. See 12 C.F.R. 226.12 ( b ), Federal Reserve Board Official Staff Interpretation. 
Without explanation, without notifying me of my right to appeal and without providing upon my request any justification for the conclusion, Wells Fargo determined that no fraud occurred or that the transactions were authorized. Wells Fargo thus inappropriately is holding me liable for the unauthorized charges.
Product: Debt collection

On XXXX/XXXX/2016 Financial Data Systems " Collection Agency '' stated in writing that they would DELETE XXXX collection accounts that I was disputing if they were paid. I paid the disputed amounts by credit card to resolve the matter and received a letter stating they had requested the accounts be deleted. However, after seeing that XXXX of the XXXX accounts had not been removed from my XXXX Credit Report as agreed. I filed a dispute with XXXX and provided the letter from Financial Data Systems. Today, I was informed that the Financial Data Systems has responded to the dispute but had not deleted the account as agreed! I called Financial Data Systems and the representative stated that if I Paid {$75.00} they would delete the account within 4 Business Days! This is extortion and a violation of both Federal and State Laws!
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF ED/XXXX- Account number XXXX ( XXXX XXXX  ) - ACCOUNT NUMBER XXXX These two accounts are involved in LITIGATION. It is reporting inaccurate on my credit report. I completed the Rehabilitation Program and ALL default is to be removed from my credit file. its reporting false address as well. These accounts are still reporting delinquencies. XXXX  and XXXX have corrected this account. Theses errors need to be corrected right away or delete these accounts from my credit reports.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent : address fraud on their platform, leaving m, account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving m account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. 
I want the CFPB to publish this
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has 2 collections on my credit report that are not mine and I have asked them to remove the collections as they are not mine and being wrongly reported. I have provided a police report and only XXXX and XXXX XXXX has removed the accounts from my credit report immediately after being asked. However Equifax has not removed the accounts from my report not provided any documents to prove the collections which are not mine my credit report history is 100 %, not one late payment out of 16 accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting incorrectly a collection in the amount of {$3800.00} to XXXX  ; XXXX and Transunion on the XXXX XXXX XXXX  account number XXXX. The original creditor is XXXX at XXXX XXXX WA. ( Please see page 3 attached from my credit report. ) When the terms of my lease expired, the property manager of the apartment complex returned my entire security deposit. The unit was immaculate when I vacated. Shortly thereafter, the same property manager decided to charge me for carpet replacement in the unit that I had previously leased. The unit had hardwood floors throughout. There was never any carpeting in the unit. When the property management company was made aware that their leasing agent had done this, the property management company took it upon themselves to rig the Invoice and reduce the amount I was falsely being charged of owing down {$1500.00}. The entire amount they have sent me to collections for {$3800.00}. I did not then, and I do not now, owe this money. I was given back my full security deposit in good standing, and this is clearly an attempt to get money from me that I do not owe. When I discovered this collection item on my credit report I immediately tried to contact XXXX at XXXX XXXX WA to request an itemization and proof they can legitimately charge me this sum of money when I clearly no longer lived there, nor had any kind of a lease associated with the unit they claim I owed for carpet replacement. I have contacted the ( 3 ) bureaus to remove these items from my credit report however, I have not been successful. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX XXXX accordance with the fair credit reporting act the list of accounts below has violated my federal protective consumer rights to privacy and confidential under 15 USC 1681 15 USC 1681 section 602 A States I have a right of privacy 15 USC 1681 Section 604 section 2 It also steaks a consumer reporting age can not furnish a account without my written instruction.

15 USC 1681c ( a ) ( 5 ) Section States No consumer reporting agency my make any consumer reporting contain any other following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not Parrish 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 in accurate I will continue to send complaints until equifax and XXXX XXXX follow the Consumer law
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, All three major credit bureaus ( XXXX, XXXX, and Transunion ) are reporting my student loan accounts with XXXX and XXXX inaccurately after I have disputed the items several times and gave them supporting documentation from the educational loan service providers confirming that my accounts have never been delinquent, they are in good standing ( deferred ), and not included in bankruptcy. I've requested that XXXX be deleted from my reports because I do not have a balance with them and they no longer own my account. XXXX reported this account closed as of XX/XX/XXXX and the credit bureaus refuses to delete this loan service provider from my credit files. I also requested that my XXXX accounts be taken out of a negative status and reflect positive as these accounts are deferred and in good standing with the department of education. I'm filing a complaint because I have been disputing this inaccurate information since XX/XX/XXXX to no avail. Please assist me with having this information reported accurately on my credit file. Thank you.
Product: Credit card or prepaid card

there are multiple new credit cards being opened and i did not open these and there are charges too!! pls help i did not open these and i can not pay these!! 
these are all so far mastercards from stores
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I am writing this letter to inform you and come to a resourceful resolution for both of us. During XX/XX/XXXX, I opened a Line of Credit with one of the Bankers to help me pay my mortgage that I also had through U.S. Bank for that month. 

All was well, but unfortunately in my personal life a few short months after, I had faced some hard times and was unable to keep up with my obligation of re-payment at that time. It wasnt until approximately XXXX when I had not only moved to another state ( North Carolina ), but my finances were in a much better place when I started to receive correspondence about this repayment/collection. 

It wasnt until XXXX when this item started to cause me issues, ( buying a home, preparing for XXXX XXXX ) when my wife and I were beginning to get our affairs in order to buy a home for our growing family of four children, we were not eligible for the USDA Loan because of this Line of Credit was keeping my score at stand still pace of XXXX and for the USDA loan, it required a XXXX credit score. The lender we were working with was helping us and was able to verify the information above once he pulled my credit score. 

It was then when I spent several months off and on trying to get a hold of the appropriate person/department within U.S Bank to try and get some assistance regarding this and get a resolution so my family and I could not only look to buy a home, but I had gotten to the halfway point of becoming a XXXX XXXX within the XXXX XXXX XXXX to serve my community. ( Which Ive now completed ) When I finally reached the appropriate department and told them the above story and the representative told me that they could assist with payment, I was relieved, my hope to provide my growing family of XXXX ( including myself ) by buying a home was going to come true, and then I could begin focusing my serving my community as a XXXX XXXX, but that dream was short-lived ; I was told by the representative and if Im not mistaken, a manager within the Recovery Department that -U.S. Bank : Line of Credit ( Acct XXXX ) for {$1000.00}, but more like {$1100.00} with past due fees could not be paid or at least the phone representative couldnt take payment due to the North Carolina Statute of limitations. 



This letter is a last-ditch effort in hopes of making a dark situation in my life into a light one, as Im now a XXXX XXXX and pursing a full-time career as a XXXX in XXXX with my family through XXXX XXXX XXXX XXXX XXXX 

Could you kindly guide me in the steps necessary to write my wrong and make a payment or remove this from my credit, which then, the credit reporting laws will ensure that bureaus report only 100 % accurate credit information, and Ill be able to not only put this multiple year issue behind, but begin my journey with my family serving in the ministry and my community.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to CFPB Complaint Case number XXXX, My name is XXXX XXXX , a federally protected consumer, and I am submitting this complaint against CHRYSLER CAPITAL for XXXX adverse action against me, with forethought and malice, by furnishing an inquiry on my consumer report without my lawful authority. My name is nowhere on any of these applications. The only proof I see on this document that CHRYSLER CAPITAL have provided is that adverse action has taken place. I did not initiate this inquiry, and this proves that CHRYSLER CAPITAL is committing fraud and identity theft by furnishing it pursuant to 15 USC 1681b ( c ) ( 1 ) ( a ). Unless you can provide me proof that I gave you my actual written permission to furnish this inquiry on my credit report, then this has been a fraudulently furnished inquiry reported on my credit report and needs to be blocked and removed. Pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.
Product: Credit reporting or other personal consumer reports

There are errors on my credit report that Equifax has not removed after repeated requests. Due to their negligence, I am unable to qualify for a house.
Product: Debt collection

I looked for a work and saw XXXX  XXXX in XXXX and left my contact. They called themselves like modeling agency. And they invited me on a photo shooting, but I had to pay {$50.00} fo reservation. I came in XX/XX/XXXX. After photo shooting I waited XXXX hour to talk with their manager. She told me that their agency is not modeling and I wanted to go away and think about her proposal but she didn't let me. She pressured me and promised that I'll find a job. i tald her that I'm not working and have kids and my husband left us. But she was too persistent and did not allow me to leave the office. I didn't have a choice and I had to sign contract with them. But she didn't explain all contract. I paid {$200.00} through terminal in her office and after that she snatched my card from my hands and entered all the card data into the computer. When I came home I read the contract and saw that I don't have any rights over there, only responsibilities. I didn't work a half of year. And in my opinion I don't have to pay for this contract because it's a fraud company and they are lying to people and forcing them to sign contracts and pay for nothing.I removed my data after the next payment and didn't pay, because I was without work till XXXX. And they turned on to debt collectors. I know that they violated of the New York Penal Law 190.20 defines the crime of false advertising as a class A misdemeanor offense and send mail to the debt collectors in the Monterey Financial Service but the collectors agency sent me mail that I have to pay all my debt to this fraud modeling agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect Name listed : XXXX XXXX The only name that should be listed is XXXX A XXXX Multiple incorrect addresses showing on my credit profile XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX, XXXX XXXX XXXXXXXX  NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX - only address that should show is : XXXX XXXX XXXX XXXX, NJ XXXX **In addition : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ** Multiple credit pulls : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX DE XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Washington, PA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX In accordance to the fair credit reporting act the above stated companies have violated my rights 15 U.S. Code 1681s602a-Section 1- I have the right to privacy 15 U.S. Code 1681s604a-Section 2-It also states a consumer reporting agency can not furnish an account without my written permission
Product: Student loan

I am a co-signer on a loan with XXXX which is serviced by Great Lakes. I was contacted by XXXX as the primary borrower is 140 days past due with payments. I requested an accounting in writing from XXXX XXXX XXXX and was informed that they do not provide statements of debt. I called Great Lakes to confirm the financial information regarding the amount past due that I was given by XXXX XXXX XXXX. They told me the past due dollar amount. I requested a statement of the debt owing from Great Lakes and they told me that they could not provide this as I am not the primary borrower. In addition, the account number that XXXX XXXX XXXX and Great Lakes gave me are not the same -- it appears that the numbers are transposed, so I have no way to verify how the payment I made will be applied.