23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hi & how are you doing? I'm reaching out and letting you know that this account is still reporting on my credit with incomplete, and unverifiable information. I paid this account already and i was told that it will be removed. Please see the attachments for detail. I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. I am writing to request that you please DELETE this account from my credit and provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3.  What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Debt collection

I have allot of medical bills damaging my credit. I can't even get a apartment on rent so I can live In peace. I talked to a paralegal and he said that medical bills shouldn't be apart of your credit. Please remove this. The company name Is XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, i am a human being, i have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : i have the rights to privacy and i did not give Equifax permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Checking or savings account

We receive online bill payments that are handled by Fiserv out of Wisconsin. They handle the online bill pay for multiple banks. They put various payees in the same envelopes. So for example, if XXXX companies have the same mailing address, they will put both inside the same envelope even though those XXXX companies XXXX have nothing to do with each other. They are not separated in the envelope. It is XXXX check after another in the envelope and who over is the payee on the first check is how it gets sorted due to the envelope remaining closed until it gets to that individual in XXXX. In which case the receivable individuals are able to see checks for other companies that they are not privy to. We tried calling Fiserv and they said that the online bill payor has that in their terms and conditions. I said, I should then be able to walk into a bank by that justification and look at anyone 's account since we both happen to bank at the same bank at the same address. They said the payor has to opt out. As a result of their business practice confidential information is being shared among individuals that should not have access to it. 

I have pictures of checks included in the same envelopes but don't feel like that would be good to upload. In any case, Fiserv said they do that business practice so it's not like they are denying it.
Product: Debt collection

I went to XXXX XXXX in XXXX. I paid everything that I owed. XXXX went bankrupt after I left in XXXX. I never received anything stating that I owed money to the school before or after the bankruptcy. Another school by the name of XXXX University took over, they later went bankrupt as well. I did not attend this school. In XXXX of XXXX I was contacted by Jacob Law Group saying I owe XXXX {$2700.00}. They waited 10 years to come after me about a debt I know anything about. They have been calling me everyday, they have taken me to court and now they are calling my job trying to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 Equifax responded to my CFPB Complaint concerning investigation of an inaccurate and unverifiable account from XXXX XXXX XXXX Equifax stated that XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. I asked Equifax to provide ( which they didn't ) the paperwork, contracts, receipts, statements, logs, etc. that were used in this so-called investigation. If you can't furnish what I've requested, these accounts need to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to all 3 credit bureaus XX/XX/2022. Tracking XXXX and Tracking XXXX and Tracking XXXX. To remove personal information that I do not want on my credit reports. According to the Fair Credit Reporting Act 12 USC 1681, I have the right to privacy. Also according to 15 USC 6802, No financial institution is supposed to share my information to third party collections, businesses, or persons. 

These are a clear violation of my federally protected consumer rights.
Product: Checking or savings account

My Chime XXXX Account was WIPED out of {$720.00}. In XXXX. NOT BY ME!!! 
XXXX XXXX - {$220.00} to XXXX XXXX XXXX payment XXXX XXXX - {$130.00} to XXXX 's XXXX payment XXXX XXXX pm - {$270.00} to XXXX 'S XXXX payment XXXX XXXX - {$100.00}. 
to XXXX XXXX XXXX payment My CHIME " XXXX BANK '' WAS TOTALLY WIPED OUT. IN XXXX!! I WAS ON THE PHONE WITH CHIME CUSTOMER SERVICE REPORTING WHAT WAS HAPPENING WHEN THE LAST {$100.00}. WAS TAKEN OUT OF MY ACCOUNT!!!!!! CHIMES FIRST INVESTIGATION SAID THESE PAYMENTS WERE LEGIT HOW IS THIS POSSIBLE???? 
THEY ARE NOT I HAVE NEVER EVER HEARD OF THIS STORE BEFORE OR LEASED ANYTHING IN MY LIFE. I HAVE NEVER HEARD OF THIS STORE BEFORE THIS HAPPENED TO ME!!! 
THIS IS MY HOUSE PAYMENT MONEY!!! 
I CANT GET A STRAIGHT ANSWER FROM CUSTOMER SUPPORT IF THIS IS BEING RE-INVESTIGATED?? I HAVE NOT GOTTEN ANY KIND OF PROVISIONAL CREDIT,,,, I'VE GOTTEN NOTHING,!!! MY BANK ACCOUNT IS {$0.00}. 
IVE WROTE EMAIL 'S TO ANYONE WHO WILL LISTEN. I AM AT MY WITT 'S END. 
THIS LEFT MY ACCOUNT - {$12.00}. I HAVE NEVER BEEN MINUS IN MY ACCOUNT EVER!!!! 
I AM XXXX YRS OLD AND I LIVE ON XXXX... 
I DONT KNOW WHO OR WHAT ELSE I CAN DO. IVE TRIED TO FIX AND INVESTIGATE THIS MYSELF BUT I AM GETTING NO WHERE. FAST. I CAN'T AFFORD A LAWYER OR EVEN IF THERE IS ONE TO HELP.

PLEASE, PLEASE, PLEASE, PLEASE,,,,,, " HELP ME '' AGAIN I LIVE ON XXXX I JUST TURNED XXXX. I HAVE NO WHERE OR ANYONE TO TURN TO. 
IN THE MEAN TIME MY SAVINGS ACCOUNT AND CHECKING ACCOUNT ARE BOTH " {$0.00} ''. IVE CALLED MY BILLS BUT THEY WANT THEIR MONEY. 
PLEASE, PLEASE, PLEASE HELP ME!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

After account was closed with no late payments. Company reported account as 30 days delinquent around XXXX. This resulted in a drop in my credit report. I spoke with a representative who informed me that I would have to dispute it with the credit reporting agency, which I did. This was corrected within 30 days or so. ( Screenshots attached ) Then in XXXX the same account was reported as delinquent and a charge off. I spoke with a manager in the lease end department On XX/XX/XXXXwho informed me this was in fact incorrect and an error on their end. However when I put in a dispute again with Transunion, the company informed Transunion this was accurate which it is not. I received these results today XXXX. This has dropped my credit score tremendously and the company is doing nothing about it when it was an error or their end. 

they also have my credit report stating my account was closed/settled less than full balance. This is in fact not true, I even received a {$22.00} refund from my security deposit. ( Attached as well ) This company has caused my score to drop tremendously and have yet to rectify their error.
Product: Debt collection

On XX/XX/2023 I walk into XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I had only been to this hospital twice a visiting this state. I also recently received a printout showing my insurance paid the balance in full XXXX BALANCE. I recently contacted XXXX XXXX XXXX acct # XXXX, very rude and demanded payment in full. I tried explaining to this guy that I verified the bill as paid XXXX BALANCE. This agency demanded bill due period was not willing to listen to me being very aggressive and unprofessional. This is the second agency calling regarding this debt. The XXXX XXXX review documents and remove it from my credit report. This debt is paid I never had a insurance bill due with this insurance everything is paid in full.
Product: Credit card or prepaid card

I called and requested the CC company close my credit card account 9 days ago. When I log onto my mobile app or online account the account still looks open. I called the company and was told the account is closed and no charges would be accepted going forward. Today I received a letter stating that, " they had completed my request to close my account but pre-authorized charges or online charges may continue to be accepted and billed to this account ''. How do you accept charges on a closed account? When I called to inquire about this the CS stated he had never heard of that, but if that's what the letter says than I need to make sure that I remove that card from any re-occurring payments and online sites. I have done this but what it I miss one? The account is either closed or its not. This is predatory lending and should be illegal to accept charges on a CLOSED account!
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 confidentiality under 15 USC 1681. 


XXXXXXXX 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 602 A. States I have 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Ive had random transfer balance charges totaling almost {$4000.00} posted to my account on Discover. I call them and no one can explain where they came from, and I tried so many times. They even charged me interest for these bogus charges. When they do explain, agents tell me about charges already literally posted to my account. I finally got them to return some of my money, but they still keep charging me XXXX  as a broke XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

About two months ago a XXXX card popped up on my credit report I have never had a credit card with XXXX Ive never used a credit card in XXXX I disputed this with the credit bureaus and it came back verified every time how I dont know
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft : 1. XXXX XXXX 2. XXXX  XXXX 3. XXXX
Product: Credit reporting or other personal consumer reports

There are several inaccuracies on my consumer report.

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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Mortgage

XXXX XXXX XXXX - Assistant Vice President in XXXX XXXX, OH for Homeside Financial messaged me about getting a lower interest rate on my mortgage. On XX/XX/XXXX, I told him I would be interested but only if a credit check would not need to be done as I just purchased a new vehicle and did not want another hard pull on my credit report. He leaves me a VM and text on XX/XX/XXXX stating he had a few questions for me. I responded stating I received notice just before his call that a hard credit inquiry for a refinance was conducted without my permission. He stated it allowed for 45 days to get quotes from other lenders without any other hits. After collecting financial info on the XX/XX/XXXX, that is the last I heard from him despite daily texts from me asking for updates. My biggest issue was pulling my credit without authorization which resulted in my score going down even more and then ignoring my questions.
Product: Vehicle loan or lease

Took a SunTrust loan towards a vehicle purchase in XX/XX/XXXX. The loan was transferred to Truist. After paying down the loan in full in XX/XX/XXXX, was unable to log into Truist website to review account details, payment history or get account statements. Every time I successfully logged in, the system would automatically log me out instantly. 

After several unsuccessful attempts I called Truist customer support and the customer support representative mentioned that Truist doesn't allow customers access to their accounts online once the accounts are closed or paid in full. 

It's baffling and beyond reason how in XXXX a digital banking company like Truist would deny its customers access to their own financial information and more importantly break several FCC rules around customers ' rights to their financial information. 

I did have an internal complaint registered but the customer service representative couldn't share with me the details of this complaint. 

This is utterly disappointing and frustrating and I will likely never bank or transact with Truist willingly in the future. I would not recommend Truist to anyone.
Product: Credit reporting or other personal consumer reports

I have called and spoke to these financial institutions about the information ** XXXX XXXX XXXX** Bal- {$0.00} Dates- XXXX. XXXX XXXX. XXXX  They did nothing after I spoke to them **XXXX  XXXX XXXX** Bal- {$680.00}. 
Dates- XXXX. XXXX XXXX XXXX. They did nothing after I spoke to them **Capital One**. Bal- {$620.00} Dates- XXXX. XXXX XXXX XXXX. 
They did nothing after I spoke to them **XXXX XXXX XXXX**. Bal- {$1900.00}. 
Dates-?? - currently active. 
They did nothing after I spoke to them
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and have noticed that XXXX XXXX, XXXX and Experian report false and inaccurate historical data. I have provided the information to show the reflection of FCRA violations that are currently reporting on my credit file ( bank statement, payment receipt, the false credit entries presented by Experian and XXXX ). I am requesting the complete removal of the negative tradeline from my report, as result to multiple FCRA compliance violations that these institutions engage. 

These inaccuracies include : Reporting 120 days late XX/XX/XXXX, and 120 days late XX/XX/XXXX which would be impossible as this is only a 30 day time frame. This inaccurate historical data makes your claim impossible to determine an accurate chargeoff date. You falsely report 120 days late within a 60 day period. That makes no mathematical sense and is completely inaccurate and false. 

XXXX XXXX reported 14 months of late payments after the account was reported as charged off. 

Payment was made XX/XX/XXXX in the amount of {$500.00} to satisfy the entire balance of the collection account, yet XXXX XXXX falsely reported the account as a late payment and charge off for XXXX of XXXX. 

I disputed the inaccuracies to XXXX XXXX and they responded with a letter. The body of the letter states The Fair Credit Reporting Act requires us to report the account history accurately. We are unable to change our reporting on a courtesy basis. 

XXXX XXXX lied and claimed to be following the FCRA laws, in complete contrast to the evidence that I have just presented.
Product: Credit reporting, credit repair services, or other personal consumer reports

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6600.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$35000.00} -This is not my account. 

4. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$100.00} -This is not my account. 

-- AUTO ACCOUNT -- 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account.
Product: Credit card or prepaid card

I have XXXX hard inquiries on my credit score. XXXX from some XXXX XXXX  XXXX from a credit card XXXX from a car insurance for which none of them I never applied for. You can see the cards were never even used. You can also see that I never even owned a vehicle so I would like if all these could please be removed
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX 15 U.S. Code 1692 ( c ) c ( Which states ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, )
Product: Credit card

I paid off my balance on XX/XX/XXXX and Venmo closed my account on XX/XX/XXXX. They sent me a new bill of XXXX despite I not having availability to used the card.
Product: Credit card

I ordered a pair of shoes from XXXX on XX/XX/year> at the price of {$420.00}. I received the shoes on XX/XX/year> and I found that the shoes had molds growing on them and the box came very wet. I asked to return my purchase to XXXX given that they were having numerous other similar issues but they did not comply as the item was final sale. I then took this up with my Apple Card to dispute this transaction as this was NOT the item I paid for due to me receiving them in a damaged condition. After denying my dispute request the first time, I then submitted the shoes to a third party platform for them to be verified. XXXX  ( the third party platform ) then confirmed to me that the shoes were damaged in the box and they were unable to authenticate them as brand new. Attached are photos of the molds, wet shoe box, and my letter of denial from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

account with Phoenix financial account # XXXX Account on credit report showing PAID but still showing balance of {$910.00} Phoenix financial XXXX We are trying to fix our credit and working with XXXX XXXX  in Ga.We are trying to purchase a home. Any help in this matter would be greatly appreciated. 
Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian as they have greatly reduced my credit score due to a voluntary surrender on a mortgage loan that was awarded to my ex husband in our divorce in 2009. I NEVER signed anything voluntarily surrendering the home back to XXXX and in fact tried my best to stop that process and without my signature and proper notification they repossessed and sold the home against my will. I do not feel it is proper for them to report on MY credit report that I voluntarily surrendered the home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, incorrect information are being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following remaining inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding XXXX handling of disputes, in light of the recent CFPB lawsuit highlighting significant issues with Zelle. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims. I was informed that recovering lost funds was impossible and tracking was unfeasible. The CFPBs finding indicate that Zelle not only neglected to protect consumers but also allow repeat offenders to exploit the system, leaving their users vulnerable to scams.