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

I sent a third party debt validation letter to Phoenix Financial Service, requesting any contractual agreement between me and their agency. To this date no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt is in the amount of {$1200.00}, which is a fraudulent charge. By law pursuant to 15 U.S.C. section 1681s-2 of the Fair Credit Reporting Act ( FCRA ), Phoenix Financial Service has failed to validate this alleged debt within the 30 day allotted time frame pursuant to 15 U.S.C section 1692g. They have NO signed contract with my signature stating that I gave them ANY permission to access my credit reports, which is a violation pursuant to 15 U.S.C. section 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX XXXX   XXXX XXXX XXXX XXXX, GEORGIA XXXX EXPERIAN XXXX XXXX   XXXX XXXX, TEXAS XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX has admittedly violated the FCRA by not conducting a complete and reasonable investigation. After disputing an erroneous bankruptcy tradeline on XX/XX/2018, the company sent me a letter that stated the bankruptcy was accurately reporting on my file. I have specifically asked the procedure used to determine the accuracy of this information in my file. I was eventually informed by a representative of XXXX that PACER is often used by the Bureau to validate credit errors. United States Case Law has stated many times that PACER and XXXX and other third party verification is not sufficient. Credit Report Bureaus including XXXX could not merely parrot information from creditors and third party information distributors. Credit Bureaus must go to the ORIGINAL furnisher of the record. 

This erroneous bankruptcy should be immediately removed from my credit report. I have a letter that proves XXXX never went to the bankruptcy court to obtain accurate information. In fact, none of the bureaus ever go directly to the court and obtain the information needed. Otherwise the companies would have responded via mail the requested signed documents needed to Verify this erroneous tradeline.
Product: Checking or savings account

On XXXX, I phoned Truist Fraud Protection regarding several charges I did not recognize. The CS rep told me that the charges were " pending, '' and therefore Truist could not do anything until they posted to my account. At this time, around {$110.00} in charges had accrued. The CS agent also said if it were fradulent charges, they would likely drop off my account as the " system '' would flag them as fraudulent. He said to call back several days after they had posted, and they would address it if needed. I called back later in the week and, at this point, now had {$600.00} in charges that had been posted to my account. I filed a dispute of the charges and was subsequently denied as these charges originated from a mobile device using a token. I can assure you we didn't make these charges and am unaware how the XXXX XXXX was hacked. I feel Truist is at fault for not shutting my card down immediately and failing to notify me that these were XXXX XXXX transactions if they had this information. I knew we had the debit card in our possession and it wasn't stolen. I just would like my {$600.00} back in my account but at this point Truist has been unable to help me and although a loyal customer I am not feeling very valued as a customer.
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 said transactions were unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX account # XXXX account # XXXX have been violating my consumer protected rights. 

15 U.S.C 1681 section 602 A. States that I also have a right to my own privacy.

15 U.S.C 1681 section 604 A / Section 2, also stats that a consumer reporting company connot furnish my account without my wirtten consent.
Product: Credit card or prepaid card

I am using wells Fargo credit card, and setup automatic payment for every month ( statement balance ). past 2 months payment not went through reason email from XXXX ( schduled payment higher than actual payment ) nothing wrong on my side but wells fargo charged me interest & late fee etc., agent not ready to help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update personal information which I saw your credit bureau to be missing or incomplete. 
I see that my personal information you are reporting is not accurate and that concerns me as a consumer. This is inaccurate. I am asking that you help me have this inaccurate information. 
corrected. 
Name : XXXX XXXX Address : XXXX XXXX XXXX Social Security Number : XXXX DOB : XX/XX/1990 Current employer : XXXX  This is the only information that should be reporting as it has to be accurate in order for it to be retained and reported. Since my banking institutions and credit card companies have this correct information, so should you in order for it to be correct and truthful. 
Please mail me a new and updated credit report once corrected.
Product: Credit card or prepaid card

On XX/XX/2022, I purchased a product with a visa credit card from the bank Banco Popular de Puerto Rico ( " BPPR '' ). I was offered a promotion that said that I could pay the purchased product in a term of 1 year without interests. I called BPPR prior to making the purchase to confirm that this offer was valid ; they confirmed. I purchased the product for {$3500.00} with the BPPR visa. 

On XXXX I made several payments totaling {$3300.00} to my credit card expecting them to be allocated to my general balance that was not subject to the offer. BPPR allocated the {$3300.00} to the {$3500.00} purchase that was made with the offer. Therefore, the remaining balance on my credit card began generating interests. 

Note that since I have this credit card with BPPR I have a firm and constant pattern of always paying my monthly balances full. It is important to me that my credit card does not generate interests. 

Since XXXX, I have filed 4 claims with BPPR and have not received adequate response. The call center personnel verbally informed me that the 4 claims were adjudicated in my favor and that the {$3300.00} were allocated to the offer. However, my statement account does not reflect this. The XXXX Statement Account provides that only {$800.00} from my balance are subject to the offer. The remaining balance is generating interest. I am currently filing a 5th claim with BPPR. 

This is unfair, burdensome, extremely time consuming and detrimental to my finances. BPPR has an obligation by law to allocate the payments to the highest interest generating balance and not only did it violate that responsibility, it has not acted to rectify this issue.
Product: Checking or savings account

Tried to send my daughter a XXXX for the amount of {$80.00} because it was a new account it flagged it for possible fraud then received an email stating my account would be closed for no reason given and that my funds would be held for 30-60 days while my account closing would be processed to expect whatever funds I had in the accounts to mailed to my current address.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to formally request the removal of negative accounts and hard inquiries from my credit report due to identity theft. 

I recently discovered that unauthorized accounts were opened in my name without my consent. This has severely impacted my credit score and financial standing. I have attached relevant documentation, including a police report and any supporting evidence, to verify my claims.Please delete the following accounts and inquries XXXX XXXX  XXXXXX****** XX/XX/XXXX {$1900.00} XXXX XXXX XX/XX/XXXX {$1300.00} As a victim of identity theft, I kindly ask that you investigate this matter and remove any negative entries and hard inquiries that are not linked to my actual credit history. I believe this action is necessary to rectify my credit report and alleviate the consequences of this unfortunate situation. 

Thank you for your attention to this urgent matter. I look forward to your prompt response.
Product: Debt collection

I have filed a previous complaint about this company.. I have made several attempts to get more information as to if they are a valid company to continue to take payments from me. This company called me out of the blue after I was taken to court by my apartments called XXXX XXXX in XXXX Texas. The apartments went to court in XX/XX/XXXX with informing me of the court date. They settled on an agreement and I was n't present. since this settlement I have paid a company called National XXXX System almost XXXX without even seeing the agreement that was made between them and my departments. I have requested several times for them to show proof that they are a legitimate company including XXXX lettters in the mail. I have asked for the documents that were sent to the company by my apartments on XX/XX/XXXX and I have still not recd anything. I need this company to refund me all my money back unless they can prove to me that they are legally able to take this money from me. I need this company to be notified so that they take this debt off of me or they will be sued. Attached with this complaint is the letter I recvd for the balance I owed for my apartment which was XXXX. I paid off about XXXX dollars of that and with the XXXX I have paid these apartments, that balance should have been paifd off a long time ago. I am being scammed and I refused to pay them any more money until I get this remaining balance removed from my acct.
Product: Mortgage

Yesterday I received an email stating that my account had been locked due to too many unsuccessful signin attempts. I have not attempted to sign in recently, so I suspect that it was a hacking attempt. ( I did check the email, which came from a legitimate address - it seems to be the security company linked to the mortgage, XXXX I clicked on the link to reset my password and got to the two-factor authentication page. I tried text, email, and a phone call, but I never received a security code. This left me concerned that someone HAS hacked into my account and changed my information. 

My next step was to try to call the company. I used their " customer service number '' - the only number that exists. It claims you can get an agent there for a whole variety of concerns, including fraud. But it is a purely automated number ; there is NO option to get a human being and no option to report suspected fraud or get help with a locked account. If you try 0 it drops the call. 

The automated information also claimed the balance on my loan was XXXX. Of course I'd be delighted if someone hacked my account to pay off my mortgage, but this further makes me worry that someone has gotten into my account. 

I am very web savvy, but there is no email address or phone number anywhere on the internet that provides a way to contact this company. Other complaints to the CFPB have the same issue. How is a company that handles trillions of consumers ' dollars - and that, by the way, NONE of us chose to do business with ( like others my loan was sold to them ) - allowed to operate without a way for people to reach them when they are concerned their money has been stolen? I want my complaint resolved, but I also think this company should be forced to behave better.
Product: Vehicle loan or lease

Please submit copies of the legal notifications and documentation of the subject vehicle 's selling commercially acceptable. 

If no proof of a deficit is produced within 14 days of receiving this notification, the purported claim of a deficiency will be void, and any further collection efforts or reporting of this invalid claim on my credit reports would be considered a violation of the FDCPA and FCRA. 

In addition, if you can not comply with the requirements above individually or collectively, I retain the right to pursue damages from all parties under all applicable State and Federal legislation and UCC - 9 remedies.
Product: Debt collection

I have been in contact with ( Central credit services ) due to a debt that I do not owe. I have contacted them from XX/17-present for resolution. I have hung up on. Refused managers. Refused validation of debt etc. <P/>This is my second complaint w/CFPB on This same matter. I had never knew nothing about this debt. I have never got a phone call. I had never received anything notifications by mail either. I was not aware of this bill until it showed as a collection debt on my credit report. As of date of service I myself, had insurance. Because of the no identification at hospital. No correct address and the incorrect contact info. I would like this derogatory debt removed from my credit report immediately please. I was refused assistance with resolution just because they could and it did n't hurt them as a company. It only hurts the consumer. Myself. It took the complaint with cfpb to even get an itemized statement. With that itemized statement. Central credit services agreed to remove debt from my credit report as of XX/XX/XXXX. This action has still not been done. i have called into central credit services on several occasions. I spoke with supervisor " XXXX XXXX on XX/XX/2017 and she advised me that the " trade line deletion was approved and was deleted XXXX XXXX, 17. She refused to send me a letter with that information. I also spoke with XXXX XXXX on XX/XX/17 and he advised me that someone from compliance would be calling me back to follow up on the trade line deletion and the paperwork for verification. I still have not heard any response. I still show the {$790.00} Bill from Creditor : XXXX XXXX XXXX Original creditor XXXX XXXX is still showing from the collection company central credit services.
Product: Credit reporting, credit repair services, or other personal consumer reports

COLLECTION COMPANY 'S ERC XXXX XXXX XXXX, FLORIDA XXXX XXXX. 
ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX {$810.00} DATE ACCT OPENED XX/XX/XXXX REPORTED AS OPENED XX/XX/XXXX ON CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ORIGINAL CREDITORS XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX {$430.00} XXXX XXXX OPENED XX/XX/XXXX {$700.00} XXXX XXXX XXXX OPENED XX/XX/XXXX {$430.00} REPORTED AS OPENED XX/XX/XXXX AND XX/XX/XXXX ON XXXX, XXXX XXXX. 
I have filed dispute on this accounts for a couple of years but because the collection agencies keep passing to other collection agencies I have to start the whole process over and never seem to get it resolved. I have contacted both of this and explained how I have been disputing the collections they have with previous collection companies but they pass it to other collection agencies so I have to start the process over and want answers as to why they are reporting to credit agencies with wrong date of collection when the original date is showing as the date they received account not when account was opened, I also asked if they had a surety bond with the state of Texa as third party collection agency must have a XXXX surety bond in Texas, ERC collector nor supervisor didn t know what I was talking about. I then went onto explain that I have been trying to resolve this collections due to having my purse stolen in XX/XX/XXXX and have been having issues but because they are illegally reporting with incorrect dates causing me to get this off my credit report for the past 6yrs. Due to this collection companies reporting incorrect dates I have not been able to proceed in purchasing a home because of there incorrect reporting is affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These hard inquiries is invalid and preventing me to make a home purchase I tried to have it removed but the creditors and the bureaus are refusing to do so.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the consistent pattern of stall letters that I have received in response to my dispute letters sent to TransUnionXXXX . As a diligent consumer, I have taken the necessary steps to rectify inaccuracies on my credit report, only to be met with what seems to be a systemic delay in the resolution process. 

Upon further investigation and consultation with resources available, including the Consumer Financial Protection Bureau ( CFPB ) database, I have noticed a recurring trend of similar complaints from other consumers regarding stall tactics in your responses to disputes. The CFPB has also addressed this issue in a report titled " CFPB Issues Report on TransUnion, XXXX, and XXXX, '' highlighting the need for fair and efficient dispute resolution processes. 

In particular, I would like to draw your attention to the cases of Gorman v. Wolpoff & Abramson and Davis v. TransUnion, LLC, as these legal precedents underscore the obligation of credit reporting agencies to promptly and thoroughly investigate consumer disputes under the Fair Credit Reporting Act ( FCRA ). Both cases emphasize the significance of compliance with FCRA 1681i, which mandates a reasonable and timely investigation into consumer disputes. 

The continued use of stall letters raises concerns about potential violations of FCRA 1681i and goes against the principles laid out in the aforementioned cases. It is my sincere hope thatTransUnion/XXXX will take immediate steps to rectify this matter, ensuring that disputes are addressed promptly and in accordance with the law. 

I kindly request that you conduct a thorough and expedited investigation into the disputes I have raised and provide a comprehensive and timely response in line with the FCRA. Failure to do so may compel me to escalate this matter further through legal channels. 

Thank you for your prompt attention to this matter. I look forward to a swift and satisfactory resolution.
Product: Credit reporting

Back in XXXX I got a letter from the Department of Human Services telling me that when I submitted for my kids XXXX my information was breached. I immediately have a previous ID theft alert ( from another information breach ) updated with all XXXX credit reporting agencies. In XXXX I got something from Homeland security telling me the same thing because I am a FEMA certified adjuster. I sent a copy of this item also to the agencies. I found out ( When I was trying to get a mortgage that I was turned down for due to these inaccurate items ) that all three agencies allowed XXXX other items that were fraud on my credit file for 8.5 years instead of 7 and there are countless inquires and medical bills that reoccurs on my credit. Every time I write in concern of the inquires I get a letter back telling me that these items will remain 2 years even though I sent in proof that they were fraud. I also sent in proof of my XXXX insurance dating back to XXXX and all of the invoicing associated with my plan for those years as proof that the medical items that were on my report were fraud because they didnt match any of the visits under my itemized plan. I keep getting letters back from the agencies saying that the items were verified and will remain. I called the creditors and asked what documents they sent the agencies so that I can get a copy for the police. They told me that they only sent over itemized invoices with not signed documentation. I called and wrote the agencies asking them how can they dismiss my proven legitimate documents over invoices from a creditor. Still the items were allowed r=to remain. Not only these items but the inquires also are bringing my scores all the way down. Even my XXXX daughter XXXX XXXX XXXX XXXX/XXXX/XXXX Has bills on her credit file starting from when she was only XXXX and they were allowed to remain. My son XXXX XXXX XXXX/XXXX/XXXX has a medical debt on his also ant it was allowed to remain as well. They are both under my plan and has been since XXXX and prior to that they were on XXXX ... They were part of the initial fraud alert back in XXXX. I am asking that your agency help us with these issues. Thank you so much for your time and consideration. I am attaching a copy of my identity as well as the identity for my XXXX children as proof. I an working storm claims so I dont have a copy of the letters from DHS or FEMA on this computer but they should be easy to obtain by your agency. Also the credit agencies has a copy from back when I mailed them to them.
Product: Credit card or prepaid card

I was trying to make a payment on my new Paypal Credit account, but whenever I would try to add my bank details, I would get the error message " Sorry, that bank is already linked to the maximum number of PayPal accounts. '' even though I do not have other Paypal accounts. This is my checking account, this is my way of paying my bill, and I find it really shady that PayPal is blocking my way of paying my account. It said that it was having security problems and that this would be better, but it did not get better. 

Also, there was an advertised sign-up bonus of {$10.00}, but my first transaction did not go through due to problems on the merchant 's website, and even though customer service said that they would give me my sign-up bonus despite these " technology problems '' they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has several derogatory marks on my accounts with 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

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. 

XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX, has violated my rights. 


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

R & R Collection agency Tried to tell me that I took a payday loan out on XX/XX/2014 did not provide me written information Did not provide me facts
Product: Mortgage

I have made several attempts to resolve this issue with XXXX. They continue to hold/misapply my payments resulting in principal application much later than payment received date and overcharging me interest. I make XXXX XXXX payments per month which they receive on the XXXX and XXXX of each month. They continue to put these dollars in " suspense '' and not correctly reduce principal until the last day of the month when they apply the full {$2400.00} over. I pay early intentionally to reduce principal, this is not appropriate treatment of my payments, and effectively forcing me into a scheduled interest scenario, versus a true calc based on principal days outstanding.