23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2022, A unauthorized ATM transaction occurred of XXXX dollars. I disputed the next day and my bank Chime said ok we will investigate. 3 days later I get a email from chime saying that they found no wrong doing. That is impossible because on XX/XX/2022 I had my debit card with me in my wallet. So now I dont know if I will ever get my XXXX dollars back.
Product: Debt collection

I a consumer or natural person pursuant Title 15 USC 1692a ( 3 ) contacted Columbia Debt Recovery LLC DBA Genesis Credit Management on the morning of XX/XX/2021 at XXXX XXXX  CST. 

My reason for calling was to seek compensation as an injured party to damages caused by Columbia Debt Recovery LLC. 

Columbia Debt Recovery LLC has admitted to requesting removal of trade-lines from the credit agencies to which they furnished information to without my consent, there is an attachment in this complaint with that admission.

Columbia Debt Recovery LLC has failed to rubute an affidavit which is in the attachments recieved at XXXX on XX/XX/XXXX. 

Pursuant to Title 15 USC 1692k Columbia Debt Recovery LLC is civilly liable to compensate me any amount for damages and violations against the FDCPA.

Columbia Debt Recovery LLC has also violated the FCRA 15 U.S. Code 1681n
- Civil liability for willful noncompliance and 15 U.S. Code 1681o - Civil liability for negligent noncompliance.
Product: Debt collection

Source of dispute information : Hunter Warfield Type of disputed information : unknown credit account Dates opened : unknown, inconsistent dates listed on report Explanation of item being disputed : I dont recognize the accounts in question. 
Dates on the report do not adhere. Please remove from account immediately
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent my FTC Report, my state drivers license ( for identity purposes ) to XXXX, XXXX, and TransUnion. I followed the steps for reporting identity theft as stated with to CFPB and the Police Dept also with my State Attorney 's office. I will be filing a civil suit for reporting inaccurate information on my consumer report. Which is a {$1000.00} per violation.
Product: Debt collection

The agency known as REMEX INC, has failed to comply with my requests and to date I found this account is still listed on my credit reports. At this juncture I will bring this matter up with the Attorney General and the FTC unless immediate removal of this fraudulent collections account is removed from all credit reporting bureaus The abuse and harassment and falsely reporting a debt along with violating a few FDCPA rules is inhuman.The action this company has taken constitutes fraud under both Federal and State Laws The reply REMEX INC furnished is attached to this complaint which is only an electronic bill and does NOT validate the debt. 

This is the second complaint to this agency in regards to this matter, I am asking for CFPB to fully investigate this complaint before closing it when the company replies with information that has no value. 

I Do not owe the alleged debt and therefore i have requested the following from the company below, which to date has not been supplied : - Proof that your agency has been assigned this debt from the original creditor, I Have not agreed to the assignment of the alleged debt in question in writing or verbally. 

- A valid copy of the original signed contract with the original creditor or an original written confirmation of evidencing the transaction resulting in the indebtness to the original creditor. Computer documents, a bill or electronic evidence created after default on the indebtedness shall not qualify as such documentation - Proof of the chain of assignment that shows who/what was transferred and to whom/to where it was transferred, with the prior assignors listed ultimately giving your agency the legal right to collect the alleged debt. 

- Proof the account in question is included in any assignment. 

- What the money you say I owe is for - The address and contact number of the original creditor - Prove the Statute of Limitations has not expired on this account - Provide me with your license numbers of the Registered Agent in my state. 
- Valid proof from the original creditor of my clear consent to disclose my personal and business information to your agency a third party. 

Please treat this debt as disputed until you provide the information requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. XXXX XXXX   XXXX and XXXX   XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has furnished a credit profile without my verbal or written consent! I have attempted to have this issue resolved several times over the last year and they either have no response or these inaccuracies come back verified which is impossible. I demand that they cease and desist all negative reporting as it is a violation of my consumer rights as well as my right to privacy. 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. They can not produce a notarized Affidavit or contract signed by me or their senior executive where I gave them permission to furnish or post these negative items on a report. This is IDENTITY THEFT. The Privacy of Consumer Financial Information regulations that implement the Gramm-Leach-Bliley Act ( GLBA ) restricts this type of information sharing because it meets the definition of nonpublic personal information under the Privacy regulations. Therefore, sharing it with nonaffiliated third parties may be subject to an opt-out notice under the privacy regulations. Again this is a violation of my rights to privacy. They also are allowing companies to pull this report without my verbal or written consent. Another VIOLATION Except as provided in section 1681g ( a ) ( 5 ) of this Title, a consumer reporting agency shall NOT furnish to ANY person a record of inquiries in connection with a credit or insurance transaction that is NOT initiated by a consumer ( ME ) At no point did I consent to these companies pulling a report. Please have the following information deleted and removed from my credit file within ( 4 ) business days and send me an updated copy of my credit report reflecting these changes. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you so much for your time and attention to this matter.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX  due to their failure to properly validate and verify an account listed on my credit report. This complaint concerns violations of my rights under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXX XXXX, Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXXXXXX, Account # : XXXX 15 USC 1681 section 602 A. states I have a right to privacy.

15 USC 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not an account without my written instructions.

15 USC 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 7 years. 

15 USC 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: Checking or savings account

I had used my debit to make some on line purchases with a company called TEMU. Then I saw 6 charges appear on my account that I never made. I called Chime. Told them. They said they will look into it. They temporarily refunded the money. I had to use that money to pay bills. They called me back and just told me that the investigation was concluded and that the charges were valid. They told me that they will be taking their money back. I told them they can't, I don't have it now and that I didn't make those charges. I asked them how they can say that the charges were valid when I didn't make them. I told the person that the dollar amounts were also very similar ( within a few dollars ). To o avail, they debited my account {$550.00}. Now I have a negative balance because I'm no longer using that account now. I still have it though.
Product: Mortgage

XXXX I was transferred to Well Fargo Bank as a re-finance.I was current status until XXXX XXXX. I was experiencing grave hardship.!. the mortgage escalated through flood insurance coverage.2.loss of income. ( stock market crash hit my chosen career hard from 2008. ) 3. loss of child support. The bank has written to me their intention to assist me and avoid foreclosure, but every time I pleaded for mercy and assisstance, it was a denial or an obstacle.I petitioned the Home Preservation Team XXXX. These dates fall into the time line of the news story that broke on XXXXLoan modification applicants may have been pushed into foreclosure by a computer error.There was a court hearing in XXXX, N.J . on XXXX XXXX.Honorable Judge XXXX XXXX ruled a temporary extension to an eviction through The Sheriiff Dept.of XXXX XXXX.Wells Fargo bought the house back. I believe there is a way to negotiate and rescind the property back to myself.This is an urgent matter.Enclosed documents.
Product: Money transfer, virtual currency, or money service

Zelle is un safe and easy to be scammed. Zelle advertised the platform as safe, secure and backed by the banks, which the suit says gave consumers a false sense of security. Money has been unauthorized by me and I was told it was nothing that could be done to recover funds
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is trying to collect a debt that they can not validate as mine. They refuse to provide name of the original creditor etc and are reporting the account as open when it is closed meaning inaccurate information to XXXX and Equifax. The credit amount owed is incorrect and has not been validated. They refuse to provide or show any proof of contract showing tht the debt was ever mine. Id like it to be removed from my credit reports and for the bureaus to delete this from my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refused to remove a bankruptcy from my report that is not following the new reporting laws set as of XX/XX/XXXX. I disputed with the BBB and the only step they took was to verify that it was me. Equifax out right lied saying that it is reported on my credit report with all the information required by law which it is not! I have attached a picture of how Equifax is reporting the bankruptcy on my credit report. With the new reporting law in place millions of misrepresented and ill reported information including bankruptcies, tax liens, and civil judgments are to be removed because of the credit bureaus poor reporting practices!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent Experian, XXXX, and XXXX  dispute letters certified mail, they received the letters on XX/XX/2020. I have not received any response or no form of communication with any of the bureaus at all. I have not had the disputes resolved and I was told that the bureaus never received the letters until a manager told me they received them on XX/XX/2020 which I have receipt when the bureaus received the disputes letters. I would like my account updated and the disputed accounts removed.
Product: Vehicle loan or lease

What the government has been doing is lying to the people. IF THE PEOPLE LIE WE GO TO JAlL- the government lies, cheats and steals and gets away with it. I submitted a report on my repossession a few months ago. You lie again knowing XXXX WELL THAT THE LAW WAS BROKEN- I'm reporting here and 2 other places. Attorney General and Federal trade commission. The bank DID IN FACT BREAK THE LAW/ I just didn't read further into the title 's. One that has me VERY CONCERNED IS HAVING BEEN A VICTIM OF IDENTITY THEFT A few years back- it cost me LOTS OF PROBLEMS. The bank gave my personal information addresses, family addresses to information addresses, family addresses to some repossession company and that is VERY CONCERNING. My car and sons driveway got destroyed by these repo guys- XXXX dollars on front and back breaks because they DESTROYED MY VEHICLE- a neighbor watched as the guys DRAGGED MY VEHICLE ROUGHLY- they came to me immediately. Not only that... I was at my son 's home 2 hours away and they found me. Me and my roommate watched them stalking my house 2-3 times at my home. So they NOT ONLY GAVE MY INFORMATION, my sons too. Or they came on my private property and put a tracker. Which is ANOTHER WHOLE PROBLEM FOR THE ROUGHLY - they came to me immediately. Not only that... I was at my son 's home 2 hours away and they found me. Me and my roommate watched them stalking my house 2-3 times at my home. So they NOT ONLY GAVE MY INFORMATION, my sons too. Or they came on my private property and put a tracker. Which is ANOTHER WHOLE PROBLEM FOR THE BANK. This vehicle is A PIECE OF XXXX SINCE THE REPO- I only owe XXXX. I had to put that much into it after the repo. I WOULD HAVE LET IT GO- my family wanted it back. 
Here 's the codes they broke the law. 15 U.S.C. 1692F part ( 6 ) and ABSOLUTELY IDENTIFY THEFT 15 U.S.C. 60 802
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report from XX/XX/XXXX, and Transunion. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. I am also trying to get my credit in order because I want to buy a house and move away from my current living condition.
Product: Credit reporting or other personal consumer reports

I contacted AMEX regarding an inaccurate late payment reporting on my consumer report after I received a call from my loan XXXX advising my interest rate on my home would be higher based on a late payment on my consumer report. I have never had any late payments nor missed payments in the XXXX of having this account. per the FCRA 15 US 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 
I asked AMEX to send me proof of this alleged late payment and received nothing I believe this is a billing error as I have been on automatic payments since having this account.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Great Lakes Borrower Services Great Lakes XXXX XXXX XXXX XXXX, WI XXXX XXXX, WI, XXXX XXXX OFFICE OF THE OMBUDSMAN XXXX XXXX XXXX XXXX, KY XXXX XXXX : DISPUTED ACCOUNT- NOTICE TO FURNISHER XXXX TO WHOM IT MAY CONCERN from the CONSUMER FINANCIAL PROTECTION BUREAU OR CFPB This is MY 4th TIME RECONTACTING GREAT LAKES AND OMBUDSMAN GROUP. I dont believe I need to recite their duties and do their investigation for them. I should not have to ask for their notes, findings, and documents for my IDENTITY THEFT CLAIM AGAIN. My identity theft claim is now going on 3 years, with the major factor being Financial Groups not cooperating. I have attached the only 3 documents I received from both groups from my IDENTITY THEFT claim, 2 from XX/XX/XXXX and 1 from XX/XX/XXXX. Again, where are the notes and what did they do? I also disputed their letter, left a voicemail and asked for a return call b/c I disagree with their statement, such as the 2nd sentence ( highlighted ) in the Ombudsman Group letter, which I never got a return email, all, or notes at all I do not want to complain, but would rather have both groups do their job and investigation properly, so I can resolve my Identity theft claim, catch the suspect, and get my financial life back BOTH GROUPS SHOULD HAVE RECEIVED THE POLICE REPORT on XX/XX/XXXX and XX/XX/XXXX. I have submitted the same paperwork several times, and have cooperated with both groups, while they do not the same with me. They have had access to everything I have, aas well as the other companies that are involved and conducting their Identity theft investigation for my ID Theft claim, which I assumed Great Lakes would be working with XXXX XXXX, since XXXX XXXX has +1000 documents and the Police Report that is +100 pages thick for my Identity theft claim. So all this is pointless and everyday that goes by goes directly against my credit, not theirs. Respectfully and XXXX, XXXX XXXX
Product: Debt collection

I've contacted Allied Services back in XX/XX/2023, however, they won't disclose the itemized bill of the " collection '' that they are trying to collect, because they said I am not their client " XXXX XXXX XXXX then when I contacted the XXXXXXXX XXXX which was my landlord they told me that they can't help me anymore since my account was transferred to Allied Services. I tried to contact and contact them until I got hold of XXXX XXXX then I've sent him my moved in inventory that shows that the window was already broken, he said, He will removed the debt '. One month later they started calling me again then I spoke with XXXX and told her that I spoke with XXXX, she said that XXXX is no longer with the company, then I've explained and sent the email reference to her, she said that She'll removed the debt then I didn't hear from them then few months later they're calling me again, I've explained the situation but this time they told me that they can't help because I'm not their client. Furthermore, they did not send any mail or information that I have the right to dispute.
Product: Mortgage

Please reference complaint  XXXX . This is additional documentation to support  XXXX  views that have been completed on the house.
Product: Debt collection

It has come to my attention that multiple late payment accounts continue to plague my credit report, causing significant damage to my financial standing. This blatant disregard for the truth is not only an egregious violation of the Fair Credit Reporting Act ( FCRA ) but also an affront to the principles of accuracy and accountability. I was the victim & Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. This is to express my extreme dissatisfaction and outrage at the persistently inaccurate reporting on my credit file maintained by your bureau. 
XXXXDOFED XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXDOFED XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXDOFED XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXDOFED XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

XXXXDOFED XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXDOFED XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXDOFED XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXDOFED XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXDOFED XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I demand an immediate and comprehensive investigation into the presence of these inaccurately reported late payment accounts, and I insist on their prompt removal from my credit report. It is inconceivable that your bureau continues to allow these errors to persist, causing undue harm to my creditworthiness. The negligent and irresponsible behavior exhibited by your bureau is unacceptable, and I will not tolerate any further delays in addressing this matter.
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681 Name of Account Account Number : 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 As 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, 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 know or has reasonable cause to believe that information is inaccurate.
Product: Mortgage

I wanted to get a pre-approval in order to search for a home. Somehow this company got a hold of my information and kept calling emailing and texting me. They said they represent the Veteran Administration. They took all my information in order for me to get a VA approved loan. They said they had access to all my VA information. Then they pulled a bait and switch saying I could only get a conventional mortgage. They gave me the boot saying adios, sayonara, ciao, auf wiedersehen, goodbye. 
I say scam. 
This is very disappointing.
Product: Money transfer, virtual currency, or money service

I was scammed by someone sending money with Zelle and bank cant refund the money.