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

In accordance with the Fair Credit Reporting Act, XXXX, Account Number XXXX XXXX  XXXX, Account Number XXXX XXXX XXXX Account Number XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Inquiry Date XX/XX/XXXX XXXX XXXX, Inquiry Date XX/XX/XXXX XXXX XXXX, Inquiry XXXX XX/XX/XXXX XXXX XXXX, Inquiry Date XX/XX/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 an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) : no consumer reporting agency may make any consumer report containing any of the following items. 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 reporting or other personal consumer reports

These hard inquiries are not mine, were not authorized by me, and need to be removed. thank you 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/XXXX EQUIFAX 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
Product: Payday loan, title loan, personal loan, or advance loan

Two years ago, I needed a quick payday long to pay off a bill and I was approved for a loan. At the time receiving the loan, I didnt realize how high the interest rate was and how much more money I ended up paying. the alone I was approved for was {$300.00} yet I ended up paying over XXXX XXXX back to this company. Definitely do not recommend anyone getting a payday loan through this company. I did see that they do have a lawsuit filed against them and when you look them up to go on their website, it is blocked.
Product: Credit reporting or other personal consumer reports

SPS ( Select Portfolio Services ) purposely failed to report my good standing payment history in violation of non compliance of the Fair Credit Reporting Act ( FCRA ), 15 u.s.c | 1681 et seq. The only way I could obtain the accurate month of reporting of payment is by calling XXXX by phone and making a verbal complaint - thus, they will report for that particular month only ; thereafter the proceeding month XXXX will not report my payment history. Except if my account goes into default or late payment XXXX will report on time the late payment ( s ) or if account is in default accurately. Any and all 'good standing ' will not be reported uless I make an effort by phone call and make the demand. This violates ( FCRA ) Section 623, 601, 603,602, 616, 617, and 621 code ( s ) an any or more that applies. This matter has occur in the beginning of XXXX XXXX when XXXX has taken control of my account; including the incident of non compliance to the credit bureau of XXXX XXXX.up till today. This matter has been also brought to the attention to the DOB ( Division Of Bank ) on or about XXXX regarding SPS failure to comply with the FCRA violation XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the charge-off status reported on my credit report for the account associated with Self Financial Lead Bank . I request that you review and remove the charge-off from my credit file, as I believe this information is either inaccurate or incomplete. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or incomplete information on my credit report. I respectfully ask that you verify the validity of this charge-off and provide proof of the debt. If no valid proof can be provided, I request that this account be removed from my credit report immediately. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), if this account has been transferred to a collection agency or is no longer under your control, I request that you provide written confirmation of the current status of the account and the name of the entity to whom the debt has been assigned. If the charge-off is indeed valid, I request that you provide documentation of the original account terms and payments made, as well as any efforts made to resolve the balance. Please provide written confirmation of your actions regarding this matter within 30 days of receiving this letter. Should you fail to respond or provide the necessary documentation, I expect that this charge-off be removed from my credit report as required by law. Thank you for your prompt attention to this matter. I look forward to your response
Product: Credit reporting, credit repair services, or other personal consumer reports

NO MISSED PAYMENTS XXXX  XXXX ACCOUNT # XXXX NO MISSED PAYMENTS XXXX   XXXX ACCOUNT # XXXX NO MISSED PAYMENTS XXXX XXXX ACCOUNT # XXXX NO MISSED PAYMENTS XXXX  ACCOUNT # XXXX XXXX XXXX None authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX None authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX None authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX Non authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX CARD XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX Non authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX   XXXX XXXX XXXX XXXX XXXX, DE 19850 ( XXXX ) XXXX XXXX XXXX Non authorization XXXX XX/XX/XXXX, XXXX CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XXXX XXXX Non authorization on XX/XX/XXXX XXXX CONTACT DETAILS EXPANSION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX (  XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

When I requested my money to be withdrawal from my cash app, the app system ask to verify by picture. The process was unsuccessful, so I tried contacting a XXXX number that told me the only way to contact someone to help is through Support on the app. Starting XX/XX/scrub> 2023, that what I did. Multiple people on the support app kept giving me the runaround. A few said that I would have to email my ID and a picture of my face, which I did twice. As of today, absolutely no one has respond to my email or have gave me a call, which is inadequate service and unfair practice. Im filing a complaint against Cash App ( Block , Inc. ), because this violates the Consumer Financial Protection Act ( CFPA ). I have videos of the Support conversion. It is too large to upload.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has sent electronic updates to Trans Union to fix a credit reporting error of a 30 day deliquency on XX/XX/2019. Trans Union refuses to fix the error. XXXX XXXX has even provided me a letter showing I have never incurred a 30 day late on this account.
Product: Credit card or prepaid card

I was sent a judgment against me at the beginning of XXXX from XXXX about a XXXX card that was opened in my name in XXXX. At the time of this store card being opened I was in high school. I have ran my credit report numerous times since XXXX and this charge has never came up or any paperwork or bills were sent to my home. Midland Funding LLC is currently garnishing my wages for an fraudulent account. The name on the account doesnt even match my name, and the billing address Ive never lived there. I have also submitted a police report for identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Auto loan with Pelican Auto Finance ( Account # XXXX ) open in XX/XX/XXXX. My car was stolen and totaled. My insurance company paid the lien amount and all debt owed. However Pelican still closed the account as a charge off Account. After sending in disputes to XXXX the account still shows on my credit report. I wasnt notified of the results within 30 days and the account wasnt removed. XXXX couldnt verify any of the information do to the fact Pelican Auto Finance is out of business. I called Pelican to attempt to resolve the issue again and their phones are out of service. The two other reporting agencies removed this auto from my credit report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite regularly using Zelle, Zelle and my banking company failed to investigate my claims adequately. Instead just informing me that funds would not be recovered. The CFPB has since found that Zelle failed to protect consumers and continually allowed repeat offenders to exploit the company, leaving users vulnerable to scams and other unauthorized transactions.
Product: Credit reporting or other personal consumer reports

Complaint Summary : Failure to Validate Debt and Non-Compliance Account Number : XXXX Previous CFPB Complaint Reference : XXXX To Whom It May Concern : I am filing this formal complaint against LVNV Funding/Resurgent Capital Services due to their continued failure to provide proper validation of the alleged debt, as required under the Fair Debt Collection Practices Act ( FDCPA ), the Maryland Consumer Debt Collection Act ( MCDCA ), and the Fair Credit Reporting Act ( FCRA ). 

Despite my previous request ( CFPB Complaint Reference : XXXX ), LVNV Funding has failed to provide the required documentation to validate this debt, such as the original signed agreement or proof of consent to the transfer of this debt. This leaves the debt unenforceable and in direct violation of both federal and state law. 

Additionally, LVNV has unlawfully reported inaccurate information to consumer reporting agencies without my valid consent, in violation of the FCRA, and failed to provide documentation confirming the ownership transfer of the debt, which was charged off in XXXX  by the original creditor. 

As a result of these ongoing violations, I am seeking a remedy in the amount of {$23000.00}, which includes statutory damages for willful non-compliance under the FDCPA and FCRA, as well as damages for unauthorized reporting of my information. 

I am requesting the following : 1. Immediate cessation of all collection activity unless proper validation is provided, including the original signed agreement 2. Cease and desist sharing information about this debt with any consumer reporting agencies until the debt is properly validated.

3. Deletion of this account from all consumer reporting agencies due to the failure to validate the debt. 

Failure to address these violations will result in further legal actions, including filing complaints with the FTC, Maryland Attorney Generals Office, and/or civil litigation.
Product: Debt collection

J.C.Christensen, ( JCC ) with address XXXX XXXX, XXXX XXXX, XXXX, XXXX sent a dunning letter to my home address trying to collect a credit card debt for a debt buyer called XXXX XXXX XXXX. I had never seen before that account or credit card or creditor. The dunning letter came to my home address on XXXX XXXX, 2015. 
The next day I sent a dispute of debt letter and asked JCC to validate and verify the debt. I asked the debt collector to not call me and not to obtain my credit. JCC did not verify nor validate the debt, ever. 
On XXXX 2015 I obtained my Credit Report with XXXX and I realized that JCC has pulled my credit 2 time same day : XXXX XXXX, 2015. One hard pull and one account review. I did dispute the credit pulls with XXXX and they did not removed. I sent a letter to JCC making them aware of my intentions. JCC answered that : they have permissible purpose to pull my credit. FTC and CFPB has defined very clear that that a debt collector can pull one 's credit except when the debt collector obtains it on behalf of the creditor. 
My credit rating is ruined from JCC and XXXX that started reporting trade line with XXXX XXXX and XXXX. 
I have filed a complaint for violation of FCRA and XXXX Consumer Protection Laws and for invasion of privacy. My case is located in XXXX District Court in XXXX XXXX. 
Thank you XXXX XXXX
Product: Checking or savings account

Backstory : On XX/XX/year>, everything inside my wallet was stolen including my credit card, debit cards, health insurance card, cash, and permit ID. I did not realize this until I got a Chase Fraud alert text on my mobile phone at XXXX stating the following " We declined {$1000.00} with card ending XXXX at XXXX XXXX XXXX Was this you? '' I texted back no and chase fraud immediately closed my card and issued a new one. I immediately got worried and checked my bag then I realized everything inside my wallet was stolen. The moment I got back home I called the police and filed a police report, gave them all the details pertaining to the stolen things inside my wallet. They have all the documents and screenshots of the bank statements that I provided them with and said they will investigate with the XXXX XXXX  since it most likely happened at my work place near XXXX and XXXX XXXX XXXX. 
The following morning, I called Chase and my other banks ( they resolved the problem already, only Chase problem right now ), to make a fraud claim and saying what happened, the charges that were not authorized by me and used by someone else. Chase immediately reverse the charges that I claimed was not done by me. I thought everything was good now and peace of mind. Until XXXX weeks later today on XX/XX/year> I got XXXX mails in my home mailbox from Chase saying they have researched the transactions I reported and was processed or was authorized according to their research team and customer claim department. I am very worried on why this is and how they investigated because the charges were literally not done by me, I made a police report and contacted the detectives several times to try to get this case solved. A camera footage check on those charged places can prove my innocence as well, I went to the store that the card was used by the person who stole my debit cards and they did not allow me to view the survelliance camera and required a police to do so. The fraud charges on Chase side amounts to over {$1000.00} and I really did not make the purchases, it was done by someone else. I am crying and really worried about this problem and need the CFPB to help me investigate further along with Chase to get my money back. It was already reversed but the mail said they will deduct the amount that was reversed on or after XX/XX/year>. I figured CFPB will help me solve this so I contacted as soon as possible. Thank you so much and greatly appreciate the help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification on XX/XX/XXXX of a 30day late payment on my XXXX installment loan that should have been paid in full in XX/XX/XXXX. At the inception of the loan automatic payments were setup in the amount of XXXX to be paid monthly for 36 months with the final payment being a one time larger amount taking care of the remaining balance. However, I found out ( after adverse credit reporting ) that {$81.00} remained at the end of the 36 months and was not included in the final automatic payment as planned and as the loan documents outline. 
The last I checked, there was an autopay payment applied on XX/XX/XXXX for XXXX and my account was showing as current in good standing. I contacted the company immediately when I received notification of the late payment on XX/XX/XXXX and inquired about the status of the account. I informed the manager XXXX that the payment history and balance history was incorrectly reported. I was told that the autopay ended at the end of XXXX so the remaining balance was left unpaid. My XXXX payment of XXXX was not reported as paid to the credit reporting agency. I was told that they werent allowed to draft the {$81.00} because it was a " different amount '' that they were not authorized, however, my promissory note indicates that the last payment may be more or less or may need to be extended. The TILA also outlines that the last payment is different. 
I was never notified that an {$81.00} balance was remaining and that it would require a separate manual payment. On XX/XX/XXXX I paid the remaining separate payment as soon as I found out. I paid on time and in full each month When I spoke to a Loan Operations manager named XXXX on XXXX she informed me that they would not remove the information. XXXX refused to review the details of the account with me and ended the call. She also refused to escalate the matter to her supervisor as I requested. I sent numerous emails and called back to reach someone who would be able to resolve the issue but was unsuccessful in reaching a senior staff member to review the details of the account and correct the inaccurate reporting. The representatives claimed they were not allowed to leave a voice message for me.when they claimed to have called me. 
To date, I have been unsuccessful in all of my attempts to correct the erroneous information despite proper documentaion from the lenders own website showing my perfect payment history. I paid as agreed and was never late but XXXX refuses to resolve and correct the information.
Product: Mortgage

Mortgage transfer from XXXX  XXXX  to Truist, have tried to get a draft set up and have sent in the form, called NUMEROUS times, I made a paymeny on XX/XX/22 when I saw that XXXX  reversed since they turned it over to Truist, I sent in the form and called and was assured draft was set up but now they are taking out Double saying I told them to which is not the case, I can not get a supervisor to contact me to handle this issue, there are numerous notes in the account. I also have another account with Truist and have for couple of years. I filed a complaint with Truist # XXXX, I asked to have a supervisor call me back to get this straightened out, I worked with more than one individual to do it online and due to being a new acct / Transfer it is not allowing and I do not want to get a late payment with any lender. 

thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Bought a timeshare. The card was issued by said company to pay monthly maintenance fees. Timeshare company said fees were not being paid so I asked credit card to send a statement of all transactions on card. I had been paying credit card for fees. Credit card just sent bill without identifying name of charges.So I paid up all charged paid off and cancelled card.But then they send Another charge, I sent by mail a request for charge on card and was sent a letter it was none of my business as the account was no longer in my name just my husband. Timeshare is still trying to bill me for paid fees credit card it charging late fees also. Wyndham Rewards VISA Signature Card Barclay account ending in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX &  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX,
Product: Credit card

We had a US Bank credit card account that had been open since XXXX. It was a card we seldom used and kept it for a back up card and the tenure to improve our credit score. Sometime around XXXX XXXX the annual fee became due. We did not receive a billing notice and was unaware it was due. US Bank maintains we were notified. Around XXXX XXXX I did receive an e-mail with the notification about the past due amount. I called the number to clear it up and was told the account was up to approximately {$120.00} after US Bank added late charges for three months. Thinking this was just a misunderstanding I offered to pay the annual fee plus XXXX late charge. They told me the account had been closed and could not be re-opened. At this point I refused to pay for a closed account and a fee I did n't know about. The representative put me on hold to discuss with a supervisor and returned to report that the fees had been reversed and I no longer owed the amount. In XXXX XXXX we refinanced our mortgage. In the process of that we were informed about an entry for non-payment on our credit record. We had been reported for non-payment by US Bank for an annual fee we knew nothing about until it was too late. Fortunately, this was the only adverse record on our credit report because we have always paid everything in full and on time ( or ahead ). It caused our score to dip about XXXX % so we had a good score rather than excellent. We have sent two letters to US Bank to ask them to reconsider, what we feel, is a completely wrong way of doing business. Their responses have been to rely on the true fact that we did n't pay the account. First, we would have paid it had we known about it. We would have liked to keep the account. We have paid the annual fee every year since XXXX. Second, US Bank 's cardholder agreements say that the account fee is to maintain and service the account for the following year. If the annual fee does n't get paid it should follow that US Bank does n't have to keep the account open to service it. Therefore, an annual fee is in a different class of charges from an actual purchase. Non-payment of an annual fee should not have the severe consequence of an adverse credit report. Third, as a corollary to the last point, if a customer does n't pay the annual fee it may be that they no longer want a seldom used account with a zero balance. We would like them to remove their adverse entry in our credit record.
Product: Debt collection

The accounts in collection are not authorized transactions by me the consumer. The following accounts are being reported negatively by XXXX, XXXX, and XXXX. It is affecting my credit worthiness and damaging my reputation. 

ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX