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

Tried contacting the credit collection agency, they never responded. I tried contacting Experian and XXXX and they still will not correct this error on my credit reports.
Product: Checking or savings account

I hope this message finds you well. 

I am writing to inform you that XXXX XXXX XXXX XXXX has pleaded guilty to charges in connection with a fraud case involving XXXX XXXX XXXX. As a result, he has been sentenced to 60 months in the XXXX XXXX XXXX ( BOP ) custody. 

Today, I was contacted by the police, who informed me that XXXX was sentenced to 60 months in connection with a fraud charge to which they pled guilty. This new information may have a significant impact on the ongoing matters related to my case.

Furthermore, I have recently received additional legal documents, which my attorney and the police have provided to me. These documents contain critical new evidence that I believe warrants reopening my case for further review.

Given these new developments, I kindly request that you consider reopening my case to ensure that all evidence is thoroughly reviewed and that any necessary actions are taken.

I am happy to provide copies of the legal documents and any further details you may require to facilitate this process. Please let me know the next steps or how I can assist in providing any further information. 

Thank you for your attention to this matter. I look forward to your response. 

XXXX XXXX is around {$17000.00}
Product: Credit reporting or other personal consumer reports

I was Notified that I was given a {$50.00} Guarantee for a Credit Card Approval by Credit Karma. 
I followed the directions like you see advertised on Television and followed Credit Karmas prompts to fill out the Credit Card Application.

I did so and I was denied the " guaranteed '' Credit Card.

I contacted Credit Karma for my {$50.00} dollars and they took their time so I contacted them again and was given some garbage about Small Print and actually sending all my personal information to the credit card company by fax. WHO DOES THIS TO APPLY FOR A CREDIT CARD THESE DAYS!! 

Total lying, swindling, crooks!!
Product: Checking or savings account

XXXX XXXX ( UMB Bank ) started placing 16 business day holds on all ACH transfers and check deposits to their cash management account without notifying customers. As a result, customers who use their cash management account have not been able to pay their bills on time and have been charged returned item or late payment fees because the funds transferred to XXXX are placed on unfair 16-business day holds. XXXX representatives refuse to remedy the damage done and still refuse to notify customers of their 16 business day holds.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I was talking with a scammer on XXXX that supposed to unlock XXXX. 
My wife XXXX was mainly talking with him and captured the messages from where he leads us to pay for the service. We tried to pay as service on XXXX but it didn't go through so we ended up using venmo thinking that they will help us when things go wrong. 
Please see our supporting document that clearly shows that this scammer acted as someone who knows what he is doing and asked us to pay for {$150.00}. He specifically told us to wait a day ( now we know why since this way the payment goes through ). 
XXXX the scammer goes by on XXXX now deactivated his account after got what he wanted ... XXXX XX/XX/XXXX ). We documented as well. 

Currently Venmo is investigating but not going anywhere ... so we decided to open the complaint here. 

Please bring justice to this scammer who is probably hurting others as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled and failed to protect my personal information, and failed to disclose when that information was compromised. I now learn on social media that my identity may have been stolen months ago, and I am left with the responsibility of monitoring my credit report closely and constantly, managing freezes and fraud alerts, and disputing fraudulent activity. As all of the information that the credit reporting system uses to identify me has been compromised, it seems as though I will be doing this for the rest of my life. This is an unfair burden placed on me by a company I never chose to do business with, and their handling of the breach ( which so far has been to do nothing, not even notifying people effected ) is absolutely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts that is attached to my identity theft report was applied for fraudulently Based On, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

amount is not mine and have no contract with this company and they not have my signature I have never did any business this company
Product: Debt collection

There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a debt from XXXX, I cant say this more emphatically, I have never had a XXXX   account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP
Product: Mortgage

APPLIED FOR LOAN, LOAN APPROVED XX/XX/2020, PAYED XXXX DEPOSIT, 3 MONTHS LATER THEY TELL ME LOAN DIDN'T GO THROUGH, CALLED AND ASKED FOR DEPOSIT, WAS TOLD NO.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, part 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

To whom it may concern, There is an account that was opened under my name without my consent and I have it attached. I want it to get remove of my credit report. I contacted FTC also.Thank you for your help in advance.
Product: Credit card or prepaid card

About a month ago, I contacted your executive office about my XXXX credit card and late payments. I had advised the representative that there is a serious problem with making a payment online. I tried one more time online to make a payment as it is more convienent for me. I tried to select my bank account, and got an error, so I tried again. When I made the payment I received a message we have already received processed a payment for this bank account any payment date. Please view your payment history to cancel or edit a payment. 

I then check the following day-no payment! This has been happening to me for MONTHS. 

The agent did not seem to be concerned, or even wanting to fix the issue, and told me to pay by phone. OK, sure. Ill pay by phone. But why is synchrony NOT concerned that something may be broken and not want to fix it? Surely I cant be the only customer this has happened to. Im seriously wondering if this is a way to collect more revenue from late fees. I have saved screen shots of the message i received and it is attached to the complaint, plus showing no XXXX payment. 

Additionally, late fees, interest and an update to credit bureaus should be completed.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I am a victim of identity theft. I sent my FTC Report and my Florida Driver 's license to Experian, XXXX, and XXXX. I will be filing a civil suit for reporting inaccurate and fraudulent information.
Product: Checking or savings account

Hi my account was closed for some strange reason. Anyways they didnt return my money to me after the account was closed
Product: Debt collection

The company Rent Debt Automated Collections ( RDAC ) located at XXXX XXXX XXXX XXXX, TN XXXX called me on XX/XX/XXXX stating I owed XXXX dollars for rent from The XXXX XXXX XXXX  in XXXX NY XXXX XXXX XXXX, XXXX, NY XXXX. 

I moved out of that apartment in XX/XX/XXXX. I was told i could move out and they kept my deposit. They never once called me or emailed me about this debt. 

RDAC did not give me a letter of debt notice. They just posted this debt to my credit report companies and then when I went to rent an apartment in XXXX DC, I was declined because of RDAC derogatory credit notice on my report.
Product: Credit reporting or other personal consumer reports

Please remove the fraudulent XXXX XXXX  account, XXXX, XXXX  XXXX XXXX, XXXX XXXX card account, and XXXX XXXX collection account as I never have had contracts with them, and per the fair credit reporting act these unauthorized fraudulent accounts MUST BE REMOVED!! XXXX
Product: Credit card

I applied for an XXXX XXXX card on XX/XX/2024 I was denied because of my XXXX score Breaking the FCRA and the XXXX. Not to mention an application is a financial transaction, which I haven't been compensated for. 

I called today XX/XX/2024 for reconsideration. Hoping for a change in the decision and was told I need to talk to the credit bureau ( which there is no such thing ) and apply in 30 days. 

XXXX ) I havent been compensated for my application XXXX ) my app will be traded upon the market well before 30 days along with other securities. 

XXXX ) there's all sorts of inaccuracies on my report that has nothing to do with granting me an open ended line of credit XXXX*i was the young woman I spoke with today she was kind and sweet no doubt about that. I just want what's my god given right from American express.
Product: Credit reporting or other personal consumer reports

to whom this may concern this been hard for me for these couple of months find out about a bankruptcy report on my credit profile i want this matter to reinvestigate Asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a business credit card with XXXX XXXX XXXX. due to Covid 19 I lost my business, and all of my income, I tried to make payments throughtout the panemic, until I no longer could afford the monthly payments. XXXX has been reporting this information to my personal credit report as deliquent, and account closed, with a late status of XXXX of credit card debt which belongs to my business. This has really affected my personal credit rating. I am trying to recover from the effects of covid 19 and get back on track. I have spoken to XXXX as well a Experian Credit Agency to try and get the problem resolved, I keep putting in disputes complaints with Experian and nothing has changed. 

The credit card is a XXXX XXXX XXXX XXXX XXXX Credit Card XXXX is XXXX
Product: Debt collection

I received a letter from Collections Unlimited dated XXXX with an attempt to collect a debt of {$170.00} that was discharged in bankruptcy on XXXX XXXX. The company then proceeded to place the account on my credit report. I sent them a certified letter asking can they remove it and they have not removed it as of XXXX.
Product: Debt collection

In XXXX an Item with Account Control Tech ( ACT ) for XXXX XXXX University was placed on my credit. I immediately disputed the debt with ACT as well as the credit agencies and It was removed from my credit report. I also contacted ACT directly and told them I have never attended XXXX XXXX University. They stated that according to their records I was set to attend one class to start my XXXX  and never paid. I told them verbally that I never attended XXXX  and that I inquired about the degree but never signed any documents. They claimed they would look at it. I also sent them a certified letter requesting all of the documentation for the debt. They first replied back with an envelope and form letter with nothing else in it even though it stated they had attached information. To this, I called and wrote another letter. Then they replied back with an agreement that did not have my address on it with no signatures and initials on the document that looked nothing liked my signature. I wrote another letter and called again. This time I received no response. In XX/XX/XXXX ACT placed the item back on my credit.
1. This is not my debt.
2. They have no proof this is my debt 3. They have failed to contact me prior to placing this item on my credit. This is a violation of FCRA Section 809 ( b ).
4. They have failed to notify me per FCRA five days before replacing the item back on my credit.
Product: Credit reporting

I have asked to have addresses removed from my credit report because I have never lived there and I just had a background check and found that the addresses are still on my report
Product: Credit reporting or other personal consumer reports

Thursday, XX/XX/XXXX sent dispute letter to all XXXX bureaus and collection agencies and asked them to verify my accounts and show me how they verified the accounts or please remove them, so the bureaus said they would remove them but never sent me how they verified anything as I asked specifically to send me how they verified the accounts the companys were XXXX XXXX XXXX {$470.00}, company 2 was XXXX XXXX XXXX XXXX XXXX  balance, company 3 is XXXX XXXX XXXX balance, then on XX/XX/XXXX I sent dispute letters to XXXX XXXXXXXX and asked for the same thing from the bureaus to delete my information and show me how the verified my information they said they would delete it, it still shows up in all 3 bureaus when they said information was deleted, then on Sunday XX/XX/XXXX I sent a dispute letter and asked the bureaus and collection company XXXX XXXX XXXX to remove the account off my credit or verify my information and send me how they verified it, they sent me back that it was verified and never sent me the information On how it was verified the account balance is {$1900.00} and they wont show me how they verified my information they also wont take it off my credit like I asked so all these companies who claimed they deleted the credit from all three bureaus never deleted it off my account or showed me how they verified the accounts which I specifically asked for how to get them deleted from the bureaus and to stop harassing me for accounts that claim they deleted. Last but not least I sent a dispute letter to lvnv funding llc and the credit bureaus the exact same questions to please delete or verify and show me how they verified my accounts via mail the account balance for this account is {$660.00} and they will not show me any proof of verification nor have they took everything they deleted off the 3 credit bureaus which these companies stated they deleted it off the bureaus and have not and its hurting my credit score, please help me get this problem fixed with these collection companies and all 3 credit bureaus XXXX, XXXX and XXXX including the collection companies that wont comply with what I am asking them for and they continue to not only not take anything they deleted off the record but the other companies who claim I owe them money when I dont. Thank you for helping me I hope to come to a resolution sooner rather then later thank you so much! I am attaching the files I sent to XXXX and the collection agencys just to show you i made contact with them
Product: Debt collection

In 2013 I paid off or settled all accounts on my credit report this one included. This debt was originated with the state of Illinois over 20 years ago. This collection agency has attempted constantly to reopen this collection by saying the State of Illinois asked them to. This is untrue and I have spoken to the State of Illinois and was told this agency is acting on their own and possibly manipulating the law. I owe them nothing, and will never pay on an account I settled, with one of their agents over 7 years ago. As a senior citizen and a veteran, it is very disheartening seeing this type of company preying on the old. Again all credit reporting agencies will be able to confirm this debt was settled and taken off my credit report in 2013. It should also be noted this company tries to portray they are connected or approved by the XXXX XXXX XXXX there is no proof of this.
Product: Debt collection

XXXX XXXX XXXX is saying i owe {$3800.00} to XXXXXXXX XXXX XXXX XXXX. i was never informed about this debt and i believe it to be fraud. i have never been contacted by them or anyone about this debt. Im trying to get all my debt dealt with and gone. I was unemployed for over a year and i just got a job and im working really hard to get all of this dealt with so i can get a loan.
Product: Checking or savings account

Fraudulent charge was disputed, through Bank of America. Bank of America, removed the the credit stating that the charge was valid. 
A charge for over XXXX and a charge for XXXX dollars.
Product: Checking or savings account

Got my money on hold for over a year and won't release it. Refuses to close out account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have returned to seek help with you Consumer Financial Protection Bureau because I have reviewed my credit report and I see that the credit bureaus continue to report inaccurate information in my report, and not only that, they have NEVER sent a response letter to me home. This makes me very sad since I have been working on my credit in order to buy my own house, I do my best to take care of my credit so that the bureaus do not take the time to investigate the information they report. Also, this month my credit score is lowered a lot and I don't see why, since I have no new debts, I have not applied for credit and I have not fallen behind with my payments. I want to know why my score has dropped. Thanks
Product: Money transfer, virtual currency, or money service

I am unable to link XXXX  to my PNC bank account. Once is blocking it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a product through Equifax that they discontinued, they did not tell me that this was happening, I called when I tried to log in and was informed by website that I had no monitoring product. The first person I spoke with said that my payment had been denied, then gave me credit cards ran for payment that were not mine, the second person was less helpful, I spoke to a manager and she told me that the product that I had had been discontinued and offered me a product that was similar for the same price, this person also had the correct credit cards for billing.

So she signed me up but I was unable to log in, she opened a trouble ticket with their support team. Seven days later i called back and spoke with a very snippy person who told me that it had not been 10 days and to call back. I was completely frustrated. I asked for a manager and was told NO. Two days later my payment had been credited back to my acct and MY EQUIFAX SCORE HAD DROPPED 60 POINTS. My score for the other agencies dropped by 5 points for a couple of new credit inquiries. 
I WILL NEVER DO BUSINESS WITH EQUIFAX AGAIN.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX