23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a continuation from a previous complaint and a response to the company. 

I tried to contact XXXX XXXX at the phone number provided and the extension and got passed to XXXX different representatives who told me I could not speak with XXXX XXXX and ended the call! The company refuses to handle my identity theft and now is saying I have more than one account with them when it was only one. I have have sent all the necessary paperwork as told on more than one occasion with no response and have not received any documents from this company either.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been discovered that you are not DISPOSING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law. XXXX XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$82.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$170.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$81.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$62.00} ; XXXX XXXX XXXX XXXX Balance : {$640.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00}
Product: Checking or savings account

I pay for parking and I thought the parking people were charging me twice but they investigated and showed me that it was only being charged to my account once a day for some reason my bank is charging me twice for a transaction this is not the first time Ive had a problem with BMO charging me for something or sending my money twice Im really getting fed up something needs to be done about this its my money
Product: Credit reporting or other personal consumer reports

I noticed these unauthorized inquiries on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed. 

XXXX XXXXXXXX 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
Product: Debt collection

gulf coast collection agency called me at XXXX on XX/XX/XXXX saying that I owe an unspecified amount of medical debt to XXXX XXXX. Payments have been made regularly to This hospital and I am dealing directly with them. Gulf coast has sent no written notice to me. 
The person that called said " If you do not pay, I will have a warrant issued for your arrest. '' The person was male but did not give his name other than the above mentioned company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXX/XX/2023
Product: Money transfer, virtual currency, or money service

I am filing a complaint regarding an issue I experienced while using Zelle. I attempted to send a payment through Zelle, but the transaction was either not completed, the recipient did not receive the funds, or there was an error in processing. I contacted Zelle customer support to report the issue and inquire about the status of the payment. However, I was not provided with a clear explanation or resolution, and despite following the steps suggested by customer support, the issue remains unresolved. I also reached out to my bank, but the situation has not been addressed satisfactorily. I am requesting that Zelle take immediate action to resolve this issue, including returning the funds or providing clarification on the transaction status. I also seek assurance that Zelle will improve its customer service and payment processing systems to prevent similar issues in the future.
Product: Debt collection

I was a co signer to XXXX a friend XXXX i she stop making payment and i can find her now it on my credit im looking at the term and amount it inncorrected and on my credit
Product: Money transfer, virtual currency, or money service

I made an international wire transfer to my brother in XXXX XXXX weeks ago. For some reason, Bank of America put a hold on this transfer. I called customer service five times during the last two weeks. Every time I call, they tell me that there's a hold on the transfer because they need to confirm some information about me and the recipient. I gave them the information, and every time I am told that it will take only 1-2 days to review the provided information and lift the hold. This never happened, and I end up calling them again and repeating the same cycle!
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX 


My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Product: Debt collection

Capital one has been violating my rights as a consumer and making threats enforcing me to send them cash payments for an account that's already been redeemed according to 18 USC 8 I sent them my Restrictive Endorsement see attached that was a remittance transfer according to 15 Usc 1691o-1. Capital is violating my rights I sent a legal tender of payment according to UCC 3-603 and TN law 47-3-603. According 18 USC 1691. Racketeering activity ; extorting Capital one is extorting me for US Dollars and reporting negative reports to my credit report I've exhausted all my remedies of payment. I even filed a 1099c see attached because I filed it as debt and debt can not be reported. 
Capital one says my account is in cease and desist but still is soliciting mail to my address thats how I ended up with my statement see attached. Which violates 39 U.S. Code 3001 - Nonmailable matter Capital one refused my tender of payment therefore the account is discharge under UCC 3-603 AND TN 47-3-306 They are telling me my payments are fraudulent but Capital is still continuing committing mail fraud under 18 USC 1341
Product: Vehicle loan or lease

I was looking at my consumer report and notice a few things wasnt in accordance with federal laws I seen that XXXX XXXX XXXX opened XXXX XXXX amount XXXX but the federal law states the social security number belongs to the XXXX and anything purchased with that identifier number is in obligation of the United States XXXX XXXX means that anyone attempting to collect a debt from me is guilty under the false claims act [ XXXX XXXX XXXX XXXX XXXX I also was required to put money down for the transaction title XXXX XXXX sec XXXX all debts are United States XXXX and there is plenty more laws made by XXXX XXXX protect me as the consumer XXXX XXXX XXXX states asking for social security number on any credit transactions or loans is against the law because there is no lawful money and it is a XXXX XXXX XXXX banks cant loan money because theyre the borrowers. XXXX XXXX tell us how to use a negotiable XXXX XXXX XXXX. XXXX XXXX they arent supposed to report transactions XXXX XXXX XXXX I am the original creditor. XXXX XXXX XXXX finance charge shall be the sum of all charges, if it isnt its a violation and these other laws should be looked into XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a federal statute that prohibits the use of extortionate means to collect or attempt to collect credit extensions, or to punish nonrepayment. The statute is part of XXXX XXXX, XXXX XXXX of the XXXX XXXX, which covers crimes and criminal procedure. These persons have violated my federally protected rights. Banks have been committing fraud since 1933 knowingly and willingly deceives the XXXX XXXX for XXXX gain every loan agreement I sign is actually a payable instrument used to pay for the service/ product so in fact its actually an exchange and not a loan in an exchange you are trading things of equal value by using my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following accounts have violated my rights : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX -XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX -US DEPT ED Account # XXXX XXXX -US DEPT ED Account # : XXXX* -USDOEXXXX Account # : 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.
Product: Student loan

Just a few months after graduating from my XXXX program, I started to receive letters in the mail regarding repayment for my student loan. My student loans comprise of both federal and private loans. On several occasions do I recall numerous attempts to reach out to my lending companies ( Salliemae/XXXX/XXXX ) to see if their were options regarding lower monthly payments for my student loans, and on several occasions do I recall the representative expressing the inability to do so without any real explanation. Luckily, I was able to have my initial monthly payments through ( XXXX ) of approximately {$500.00}, lowered to approximately {$290.00} a month. However my requests to have lowered monthly payments through Salliemae/XXXX were denied. Since graduating in XX/XX/XXXX, I have been paying approximately {$890.00} a month directed towards my loan through Salliemae alone, in addition to the {$290.00} I currently owe through XXXX, as a result, in XX/XX/XXXX, I had to forbear my Salliemae loan because of financial hardship. I feel extremely hopeless about getting out of this debt without having any options to help even just decrease the monthly payments, and especially because of other financial obligations I have when it comes to being the only sole provider for my family with XXXX young children. I am not asking SallieMae to completely abolish my loans, but to simply work with me to reducing the monthly payments, and so far working with SallieMae has been very frustrating and disappointing.
Product: Credit card

I have tried multiple times to make payments on my at home card through synchrony bank. Multiple times the payment shows as authorized and confirmed yet days or weeks later I get a notice saying the payment has been RETURNED, and no specific reason is given. It is not a funds issue as every time I have checked with my bank. Every single time. Even now as I try to make a payment through my account. I get through the process of linking a bank account, and when I try to authorize the payment, the website tells me I may not schedule a payment for the current date. Yet when I try to change the date of the payment, NOTHING WORKS. It wont let me select any other date, except for the current one, which by the way, I apparently cant make a payment on. All of this combined has led to what was originally a XXXX $ charge, to have reached nearly XXXX $ and counting, because I am not permitted to make a payment. This is actively destroying my credit and is going to hurt me for years. I have tried and tried and tried to make a payment, but every time there is an issue on their end. This is ridiculous.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federallv protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : Credit Central XXXX XXXX, XXXX XXXX XXXX, and XXXXXXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 An 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. 
Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. 

I sent a letter on XX/XX/XXXX, XXXX XXXX XX/XX/2022 reporting evidence of inaccurate information to Transunion. Transunion responded that the information was VERIFIED & ACCURATE! 

Transunion had violated the law by Furnishing inaccurate information and not doing a proper investigation and a proper reinvestigation. 

Transunion has violated the laws : 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681l - Restrictions on investigative consumer reports Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, Transunion has brought hardship to my financials, household and impaired my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information, which puts me and other XXXX XXXX Americans at risk not only financially but also emotionally. It makes me very anxious to have found that I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
As a company that handles sensitive personal information, they did not notify anyone quickly enough and admit that they will not notify everyone, while their top 3 executives XXXX XXXX, XXXX XXXX and XXXX XXXX sold their shares worth 1.8 million dollars 3 months prior to this issue was disclosed to the public  blinded by the quick profit!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax and XXXX, I attached a copy of the letter from XXXX XXXX stating your company to delete and remove this account immediately from my credit report and credit files. I still want to know why your company violated my consumer rights because based on this letter XXXX stated they sent a request for Equifax to delete this account on XXXX XXXX, 2016. Therefore, both Equifax and XXXX have violated my rights under Fair Credit Reporting Act for reinserting a recently deleted item back on my credit report as well as did not comply with the collection agency request. I have already talked to a consumer attorney on this matter and I will be forwarding this letter to the Better Business Bureau as well as the Attorney General Office.
Product: Credit reporting

I contacted Equifax in reference to some fraud activity in my credit file as well as unauthorized inquiries. I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. First thing is the accounts not belonging to me have been removed but you failed to remove the inquiries. As I stated and provided proof I was incarcerated until XX/XX/XXXX. So there is no way, I was attempting to establish credit as this is not possible from prison. So even though the fraudulent accounts were removed the Inquiries which I did not initiate are still present. So an ID security alert was placed on my account which I appreciate, I just need them to follow through and remove the inquiries entered below. 
XXXX USA XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/XXXX XXXX XXXX XXXX ank XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of human XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Texas, XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXXu are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under XXXX XXXXXXXX XXXX XXXX XXXX XXXX  the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files. 

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under XXXX XXXX XXXX XXXX XXXX. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the XXXX timeframe required by law. 

Sincerely, XXXX XXXX XXXX