23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I, and the father of my son who does not even have the last name and lives in another state -who have nothing to do with a debtWe have both been contacted illegally, HARRASSED by : XXXX XXXX ofGC services collection agency - XXXX XXXX. 
He said a 'personal matter from a collection agency '. 

The father of my son, with a different last name and I have a strain relationship and to ad this harassment on collection calls that are not relevant to me or my son should be stopped and reported for illegal practices. 

This call has placed a strain on my relationship with the father of my son, whom I am not married to and he has NO relationship to the person they are calling for and say has a debt. A XXXX year old person. 
And calling my phone number XXXX times and to ask for her when my phone clearly is listed under my personal name. 

This tactic of harassing everyone in search of the XXXX year old person whom they say has a debt - has no relationship to what ever reason they are calling for collections, is stressful and should be illegal to call people that have no relation or even the last name - in this case I repeat calling the father of my son who is not related to the person they say are trying to reach. And dialing my phone 5 times for something I have no relationship to such debt is harassing. 

GC SERVICES, XXXX X XXXX XXXX XXXXSHOULD NOT BE HARRASING PEOPLE IN THIS MANNER FOR SOMETHING THAT HAS NOTHING DO TO WITH THE ACTUAL PERSON THEY SAY THEY ARE TRYING TO REACH FOR COLLECTIONS. 

THIS COMPANY SHOULD BE STOPPED FROM THESE PRACTICES IMMEDIATLY TO AVOID THIS TO HAPPEN TO OTHER PEOPLE. 

Thank you.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX THE XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious THE BUREAUS INC XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

I am 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 CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The 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

Experian is reporting the following items inaccurately. Can someone please look into this. Thank You ACCOUNTS XXXX  XXXX XXXX never late XXXX XXXX XXXX XXXX XXXX  XXXX not mine XXXX XXXX XXXX  XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX XXXX not mine
Product: Credit card or prepaid card

Im XX/XX/2022 I filed a dispute with credit karma. I had never received my card in mail. My tax return was loaded onto the card. I received a refund anticipation loan for {$1000.00} abb no then my tax return for {$11000.00} and the only thing I m used the account for was two bank transfers one for {$5000.00} in XX/XX/2022 and another for {$4500.00}. I used the virtual card number on my XXXX XXXX and I used it to pay my gas bill to XXXX  for {$190.00}. On XX/XX/XXXX. I didnt use it again after that. When I went on to my account all the money was gone. But I still hasnt recorded my card so I disputed what I thought was everything besides the transactions I mentioned that I did. The two bank transfers, XXXX, and XXXX. Credit karma only disputed the ATM transactions which they later denied saying regulation e only covers unauthorized electronic purchases. I will attach the letter they provided. Since then I have tried countless times to ask why find out what is going on and how Im responsible for something when I never received my card. They finally filed a dispute on 4 more of the transactions but have yet to file disputes on all of the transactions even after I have sent screen shots to the email they asked. They keep telling me that the dispute was filed but every date they tell is further and further I will attach emails screen shots as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a false fraudulent inquiry on my credit report from XXXX XXXX XXXX ( Bank ) placed on XX/XX/2021. I never contacted or filed anything with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

After a very serious recent bout with XXXX XXXX XXXX, in XX/XX/XXXX I called the management office of a building I had to move out of in XX/XX/XXXX ( due to my sickness and inability to work ) to ask what the balance was that I owed. I was told that " IF '' there was a balance it would be out of his hands and it would have been sent to a collection agency. He told me to call the building 's attorney for that information, so I did. The attorney told me she also was not sure, but gave me a number for the debt collection agency that they typically use. I immediately called that agency and spoke to a supervisor, who informed me that their company had no information on me AT ALL as of that day, and if they did receive anything I would be notified in writing/and or by telephone. That was more than 3 months ago. Today I received alerts from all three credit agencies that I have a debt collection balance of {$7600.00} from a company called XXXX XXXX. To this day I have never received a letter or a telephone call, and yet they have damaged my credit without giving me an opportunity to dispute the debt. Of course this is against the law. As failure to send a written notice of the debt is against the law, and according to the law the collector is required ( within five days of initially contacting me, which was NEVER done ), to send a written notice of the debt that includes : 1 ) The amount of the debt 2 ) The name of the original creditor to whom the debt is owed 3 ) A statement describing my right to dispute the debt. NONE of these things were done. Therefore, I want this trade line removed from ALL THREE of my credit reports IMMEDIATELY, and I would like an opportunity to go over the amount they say I owe, as I also believe that the amount stated is ALSO not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have began going through the journey of identity theft with all 3 credit bureau 's. I have provided police reports, affidavits, statements all notarized and they have continuously reported inaccuracies on my report. There is a XXXX XXXX XXXX that appeared on my credit report around XX/XX/2020. I reached out to the credit bureaus and filed an FTC report that still wasn't good enough. I have been reviewing my credit reports regularly. I have found several errors in the following account ; XXXX XXXX XXXX Account Number : XXXX. I have disputed this account previously and every time I dispute with all 3 credit bureau 's and they continuously report negative information about me which is inaccurate, unverifiable, invalid and questionable that the credit bureaus didn't make sure the information was 100 % accurate. Which violates 15 U.S. Code 1681e ( 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 consumer to whom the credit report relates. Currently, of which all three credit bureaus are reporting three different reporting dates and the last active dates. As you are aware there can only be one reporting date and the last active date. If in fact this was a repo or a charged-off account. How can there be a recent default in the payment if this account was reported as a repo in XX/XX/2020 but the payment history reflects no history on Transunion, XXXX shows charge-off began XX/XX/2020 and XXXX shows XX/XX/2020? None of these are consistent. This tells me that these accounts have not been properly verified or the credit bureaus have been lying about verifying these accounts and they must be deleted immediately. These inaccuracies from the credit agencies are clearly in violation of the FCRA Under 15 U.S. Code 1681e ( b ) Accuracy of Report. If any information or items disputed by a consumer ( me ), 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 immediately. The credit reports prove that this information is inaccurate and incomplete. Please remove these items from my reports. Once complete please provide me with a copy of verifiable proof within 15 days after your investigation, you must remove the account and all listed information immediately. Thanks for your help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXXXX/XX/year>
Product: Checking or savings account

An account was applied for and approved without my consent. 

I received an email that an application was in process and then another one stating that it had been approved.
Product: Mortgage

I am reporting FirstKey to the Consumer Financial Protection Bureau because they have remained unresponsive to my many requests through their online message center ( which promises response within 48 hours ) and several of my phone calls to customer service over the past few months. I switched homeowner insurance providers back in ate XXXX 2015 and since then have been paying for my homeowners insurance out of pocket. My new insurance company XXXX XXXX XXXX submitted all forms to FirstKEy verifying that this is so ( twice now! ), yet FirstKey has failed to follow up on my requests to adjust my monthly loan amount to deduct for the fact that homeowner insurance payments should no longer be rolled into the amount due for my monthly mortgage payments. I have messaged them many times in writing and I have called on XXXX different occasions and talked with a customer service agent to try and get the issue fixed. The agents never follow through once we are off the phone and so I am still being billed for the homeowners insurance. I need someone to help me escalate. This is the third company my loan has been sold to since I bought my first home in XXXX and they are the worst. Please help me! 
Thank you.
Product: Checking or savings account

Capital one has not processed my direct deposit. I had to borrow money from family members to get gas and food for the day. I have multiple accounts needing to be paid. I now have a late fee on my mortgage. I also have an overdue payment for my personal loan and they've reported it late. My credit is already terrible and this is making it worse. I have gas and electric bills to be paid that are in late pay already and have been set up on a payment plan that I can't be late on and this will most definitely cause issues from this. This is completely unprofessional. This is causing nothing but stress and is affecting my mental state as I mentioned I will have to deal with multiple collectors that are looking for payment and hope to be allowed a grace period for some of them.
Product: Credit card or prepaid card

Capital one credit, I have XXXX  closed cc accounts from XXXX, that were all paid in full on XX/XX/XXXX. Capital one Quick silver card ending in XXXX was reported 30 days late in the month of XX/XX/XXXX. I paid the full balance that was shown {$190.00}, on XX/XX/XXXX, On the card ending in XXXX, is currently showing a {$12.00} balance, which i was not made aware of at the time of fulfilling the full amount due. Capital one told me over the phone that the account was still open, which is not true as reported on my credit report, and i do not have any access to any credit as the account states, {$0.00} of available credit out of a {$300.00} limit, with a {$12.00} reported balance. All three card accounts I had with them are closed and have been reported as so. In XX/XX/XXXX they reported a late payment of 30 days late, on an account that was closed in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked checked my credit report in XXXX XXXX  after applying for credit and noticed that i have been a victim of identity theft. I have 4 fraudulent accounts on my credit profile that do not belong to me and i did not apply for them. Those fraudulent accounts are XXXX XXXX with the original creditor XXXXXXXX XXXX XXXX for the total of {$650.00}, XXXX for the total of {$530.00}, XXXX XXXX for the total of {$630.00} and XXXX XXXX for the total of {$870.00}. I have never done business with either of these companies and would like them taken off of my credit report as soon as possible because i have been denied credit due to these accounts that do not belong to me. I would like an updated credit report showing the removals of these fraudulent accounts.
Product: Mortgage

I, XXXX XXXX believe that all my mortgage payments made to M & T Bank on a mortgage I had with my brother since XX/XX/XXXX was paid perfectly by direct withdrawal from my checking account. In XX/XX/XXXX, we sold the property and a copy of the HUD-1 is attached. However, M7T Bank shows a 30-day late payment for XX/XX/XXXX, that should be corrected. I believe that the credit reporting system works, but sometimes mistakes are made. I have disputed this late payment and M & T Bank has not responded to my satisfaction. Accordingly, I respectfully request a review through the Consumer Financial Protection Bureau to rectify this matter. The 30-day late payment should be removed with every credit reporting agency.
Product: Credit card or prepaid card

I saw an XXXX ad for CareCredit suggesting that it can be used for any health procedure. I applied under that assumption on XX/XX/2021. I then contacted my doctor and they said they do not accept the form of payment on XX/XX/2021. I immediately called CareCredit and was told that closing my account will not affect my credit score and that XXXX can remove the Hard Credit report check on XX/XX/2021. I called XXXX and they said I need a letter of Deletion from CareCredit/Synchrony Bank and gave me their phone number. I was then told that they will not do this as it does not fit federal protocol. I proceeded to contact XXXX and they let me know my credit report was pulled twice by CareCredit for one account and to submit a dispute with them to have it removed on XX/XX/2021.
Product: Credit reporting or other personal consumer reports

On XXXX requested that a file dispute be initiated for OAG Texas which is reporting a balance error of {$42000.00}. The balance should be {$0.00}. 

On XXXX the company came back on Report Number XXXX stating that the investigation was complete based on report from data furnisher. 

I never gave my consent or agreement to have this item place on my credit profile as child support is not a credit transaction.
Product: Student loan

In late XX/XX/2022, I made a request for a refund of payments made during the XXXX forbearance under the Cares act through Nelnet. 

I requested an amount under but close to {$10000.00}. 

I made the request via phone call however I never received any documentation of when my request was processed or received and I have no documentation of the final amount to be refunded to me. 

I received an email from Nelnet on XX/XX/2022. This was a general email letting me know that the request was processing. 

I called them on XX/XX/XXXX to find out if they had any updates. They could only tell me that the request looked good and it was still processing. 

It has been more than 4 months as of writing this and I have no clue whether when this processing phase will end.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 U.S.C 1681i ( 5 ). 

I waited 30 days and recieved my investigation and notice everything was still the same. The consumer reporting agencies which is Equifax, XXXX and XXXX did not modify or remove anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three reports. 

Which is a violation. This is causing me financial injury and impacting me from buying a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Contacting Transunion to put a credit freeze on my account is a nightmare. I have tried to place a freeze both online and by calling them, without any success for something that is very important. Online attempts have failed and Transunion asks that I call them. I call them and am constantly disconnected. It is appalling that Transunion has such poor systems in place when they hold very important information.
Product: Credit card

To date l have not been reimbursed the XXXX dollars. Additionally, l have told them to respond to me via email and not calls. They sent me a postal letter informing me that because l asked for their response in writing, they will cancel alerts etc on all my Chase cards. I did not ask them to do so. What was in question was the Chase Sapphire card only and nothing else. I also asked them to to explain the meaning of the negative balance. I am asking for your help as they have failed to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX//2019, I signed up online for the Permanent Opt-Out Election at the website : XXXX. I indicated I want to permanently opt-out which requires a 2-step process : 1. provide information online ( which I did ) for a 5-year opt-out, and 2. return a SIGNED opt-out form which is provided by the website. 

The problem is with returning the signed form to the Opt Out service -- they provide NO RETURN ADDRESS to complete the process of permanently signing out!! I called several times and was looped through a tape with no choice to get a mailing address to return the form. This is an unfair business practice in itself. I simply want to comply with the requirements and the website fails to provide the information to return the form THEY REQUIRE! 

Please provide me with the physical mailing address to return the signed " Permanent Opt-Out Election Form '' which I have completed.