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

I had a medical bill that I received back in XX/XX/XXXX for XXXX XXXX in the amount of {$200.00}. This bill was paid XX/XX/XXXX. I received confirmation of my payment, and heard nothing else about this account. Then in XX/XX/XXXX, this account showed up as a delinquent account on my credit report across all agencies. The collections group, XXXX XXXX XXXX, said that they would take care of the mistake, but they did not. 

I contacted XXXX, who took it down within two days and were very helpful. It took 3 tries to get XXXX to remove it. Equifax still refuses to remove it even after showing them proof multiple times that this account is not delinquent, and even after every other agency has removed it. I had a dispute on XX/XX/XXXX that they said they would not remove it, and another that was completed XX/XX/XXXX. I can't buy a house, I can't do anything with a new credit card, nothing that I wanted to because Equifax has ruined my credit score by keeping this incorrect information on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchase a used vehicle XX/XX/2016 I was finance threw XXXX  XXXX  this was my first time buying a vehicle within the first 30 days I had issues with the vehicle I returned the vehicle for repair at the dealership XXXX XXXX  the vehicle had emission issues I was told it was the Catalytic converter they held my car for 30 days and said it was repaired witch it was not the vehicle would burn a full tank of gas within 10 miles so I reported this to my Finance company XXXX XXXXXXXX  after I tried to get it repaired myself and told them I could not afford the payment due to attempting to repair the car and I told them to come pick the vehicle up they didnt do so until months later when they retrieve the vehicle it had my personal belongings which I was declined to be able to retrieve I also had recipes for the repairs of the vehicle and a statement from my mechanic stating the car was a lemon. XXXX XXXX then auction the vehicle off for over XXXX dollars or more and my balance was estimated XXXX the account has been closed and charged off for over 5 year I am have been charged late fees and miss payments that were reported on my credit report every month for the past 3 years or so my current balance is XXXX and it has effected my credit dramatically I have disputed many times and contacted verso credit told them I had financial hardships and can they stop the late fees and they just hang up in my face every time I have reported to the bbb and they are denying that they are still charging me till this day I ask for my issue to be resolved by reporting the correct amount due and stop charging me late fees also my last payment on my credit is incorrect My last payment was in XX/XX/2016I was told by XXXX that since my account has been closed and charged off they should not be continually charging me fees and reporting late payments.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : 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: Credit reporting, credit repair services, or other personal consumer reports

While checking my personal credit report, which I acquired fromExperian, I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX on XX/XX/2022 I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Product: Credit reporting

Trans Union is not responding to any of my numerous requests to investigate, verify and remove an account from my credit report that was opened fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

ARS sent me a letter stating that I owed for three medical accounts in which I had no knowledge of on XXXX. The letter stated I had until XXXX to request verfication/validation of debt. I responded via cerified letter which was recieved by ARS on XXXX. I then recieved a response back with no other information other than the account number and balance which was in the orginal letter sent to me. I responded back to that letter, via certified which was recieved by ARS on XXXX requesting additional information regarding this debt no just account number and balance with no other details which I originally requested in the letter sent to them on XXXX. Instead of responding, ARS placed these accounts on my credit file. This is clear violations of my consumer rights and ARS didn't respond to my letter giving me the information I needed to validate debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Improper use of your report We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 

YOUR COMPLAINT XXXX. XXXX XXXX has incorrect hard inquiries on my Equifax, XXXX, and XXXX credit report. They are showing inquires from XX/XX/XXXX and XX/XX/XXXX. Inquiries that I did not authorize I do not know what XXXX XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my Equifax, XXXX, and XXXX report. The inquiry date is XX/XX/XXXX. I would like this inquiry removed immediately as I did not authorize it.
Product: Debt collection

Rent Recovery Solutions is attempting to collect an alleged debt from me that I do not recognize or acknowledge to owning. I have no knowledge of this account or having a contract with Rent Recovery Solutions. I was never given a notice of this debt or that I had a right to dispute it before it was placed on my credit reports. I have asked through the three major credit reports of validation for this account by showing me wet ink, original signed contracts, applications or signatures that I agreed to pay them any amount. As of yet they have not responded to my requests for those documents. I am requesting full " validation '' of this account as per my FDCPA rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several accounts from my credit report with Equifax, XXXX and XXXX  I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 XXXX 2 : XX/XX/2020 XXXX XXXX : XX/XX/2020 XXXX XXXX : XX/XX/2020
Product: Debt collection

Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company regarding the derogatory information being reported to my credit bureaus. My first Debt Validation letter was signed and received by them on XX/XX/2020. I received a response letter that listed itemized medical procedures that BELONGED TO SOMEONE ELSE. My second letter, replying back to the clear HIPAA violation and lack of Validation, requested them to mail me a deletion letter. I have received no response.
Product: Debt collection

This debt showed up about an apartment I had over 2 years ago. When I called the company to ask for details they said this was for services rendered like trash removal and spraying for cat pee. This was a XXXX sq foot apartment. Even if it was full of stuff ( which it was not ) it could n't be that much. I did not have a cat in the apartment. When I ask why no communication was sent to me at my new apartment ( the apartment had new address as part of move out pw ) they said everything was sent to the address of my old apartment they were showing a debt for. I ask for paperwork proving this is my debt and I have yet to receive anything from them. I have done everything I can do to resolve it in good faith. This is just wrong. I was never given anything about this charge and now I cant get it off my credit report.
Product: Consumer Loan

I had applied for a payday loan due to medical expenses I recently occurred This company Cash Max XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX agents name was XXXX supervisors name was XXXX and they stated I was approved for a XXXX installment loan but I needed to verify that I could pay the money back via XXXX XXXX they wanted me to prove that I had XXXX right now I went to XXXX XXXX XXXX times and all XXXX times the transcaction could not be processed should have been my XXXX clue I then purchased a prepaid XXXX money card and loaded the XXXX on it and called them to giove them the number they said I did not have to activate the card and they would process the loan and call me back in 30 minutes to let me know the money was deposited into my account 2 hours went by called XXXX and he said he is still working on it and will call me back red flag went up and I called XXXX the automated system stated that the card had already been activated and when I checked the balance and entered my information it said incorrect info does not match our records so XXXX had activated that card with his information not mine I have tried to callo them back and it either goes to a voicemail or they pick up [ and hang up they probably have caller ID I would like this reported and of course would like my money back but most of to let people out there know not to go with this company cause they are a fraud I work hard for my money and have a family to support but I trusted them and look what I get for trusting I do n't understand how people can be so dishonest and untruthful Please help me in any way you can thank you My info isXXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit card or prepaid card

Chase Sapphire card. XXXX, 2022 I initiated XXXX " My Chase XXXX '' payment plans which had a set fee for 1 nine month in the amount of {$380.00}, and 1 twelve month term in the amount of {$1900.00}. Total monthly payments were {$42.00} and {$160.00} respectively. First payments scheduled for XXXX. flash forward to XXXX I paid these installments, plus the statement balance, plus the month of XXXX 's purchases to avoid them being reported as balance on my credit report. Chase instead paid off the balance of the {$380.00} plan closing it out, about {$1200.00} on the other plan, and none of the XXXX balance. This has caused me to lose money, add interest fees, and completely screw up my very carefully planned finances. Chase refuses to fix their mistake.
Product: Credit reporting or other personal consumer reports

I disputed inaccurate accounts to experienced, equifax and XXXX and they did not follow up with verification of debts or removed the inaccurate accounts as required.
Product: Bank account or service

On XXXX XXXX, 2015 ( approximately XXXX ) my daughter and I pulled up the the drive up ATM machine to make a deposit. Upon driving up to the machine I found {$340.00} ( {$360.00} ) still sticking out of the machine from the previous customer. I took the money into the branch ( XXXX XXXX XXXX XXXX MN ) and asked for the manager ... who was n't available. There was long lines for all the tellers so I flagged down a lady walking behind the counter and told her that I found this money in the drive thru. She took it and walked right away and did n't ask for any of my information or where it was found. Two days later I called the branch and asked for the manager and again she was n't available. I asked the lady on the phone if she knew if anybody had claimed the money yet and she said no. A week later I called again and actually spoke to the manager and she stated to me that nobody still had claimed the money. I asked how much time has to pass before my daughter and I get the money back. She stated that we do not get the money and that it actually goes into a dormant account. I expressed concern that they did n't even ask me for any information regarding my transaction to locate the person before me. She stated that even though the machine is a Wells Fargo machine that it is run by a separate company that they do not have access to. She stated that the individuals would actually have to file a claim for the money through their bank, because anybody can use the Wells Fargo machine, and they would be reimbursed that way. When I explained to her that I did n't give the money to the bank and that if the lady who initially took the money had explained anything to me regarding the process that I would never have given her the money and that the entire process was handled very unprofessionally when I went into the bank. I NEVER GAVE THE MONEY FOR THE BANK TO KEEP and would like it returned as if I was originally told the process for the customer to file a claim to refund their money. 

Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hi On XX/XX/year> I utilized the Zelle application through XXXX  XXXX XXXX website ( Desktop ) using the to transfer {$2500.00} to a business acquaintance ( $ XXXX {$1000.00} ). I have provided correctly the name of the intended recipient of the funds XXXX XXXX XXXX and the recipient phone number. 
Later on I found out that, I transposed two of the numerals comprising the intended recipients telephone number. ( I listed the number as XXXX, the correct number is XXXX ) As noted, the name of the recipient is correct. 
I am advised that the funds did NOT reach the intended recipient. Rather, the funds were sent to a person who was a stranger to me and who should not have received the funds. I have attempted to reach this person, without success. 
As indicated, I used the XXXX  XXXX XXXX website for this transaction. The website has no feature whatsoever to verify the accuracy of the recipients identity, Importantly, I note that only the mobile app DOES offer a verification feature. 
It is clear, then, that Zelle understands that innocent mistakes can be made by their customers, and the mobile app quite appropriately provides the protection of verification. 
However, this feature is absent on the desktop, to the detriment of bank customers generally and to my specific disadvantage. It is common knowledge that even the most careful user may input information in error. 

I already contacted the person who received that money and also XXXX XXXX which is the bank of the mistaken recipient. 
All conversations with Zelle and Zelle response attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following fraudulent inquiries on my report a few times before in accordance with FCRA, all to no prevail. It is written within FCRA law that if such companies can not present physical documentation then the disputed items shall be forever removed. I have disputed the following and no one presented any physical verification but yet the 3 major credit bureaus still reported as being true. But still no physical evidence inwhich is in direct opposition of the law stated in FCRA. The following disputed inquiries are XXXX  (XX/XX/XXXX18 ), XXXX XXXX (XX/XX/XXXX-18 ), XXXX XXXX ( XX/XX/XXXX18 ), XXXX   XXXX  ( XX/XX/XXXX18 ), XXXX XXXX ( XX/XX/XXXX-18 ), XXXX ( XX/XX/XXXX18 ), XXXX XXXX XX/XX/XXXX-18 ), XXXX XXXX, XXXX (XX/XX/XXXX-18 ), XXXX XXXX XXXX XXXX  (XX/XX/XXXX18 ), XXXX XXXX ( XX/XX/XXXX-18 ), XXXX XXXX ( XX/XX/XXXX-18 ), and XXXX XXXX XXXX XXXX ( XX/XX/XXXX18 )
Product: Vehicle loan or lease

Spoke with Ford finance twice this week only for them to say they dont have any information available for me and gave me two different numbers to a collections company. The first number doesnt have any way to leave a message or request call back, the second number which I received today doesnt ring. They reported that I owe XXXX onto my credit and all I received was a typed piece of paper that said amount owed. Im requesting any type of actual proof of what they sold it for and an actual way to contact this collection agency who they may have misrepresented telling me it is a lawyer. The numbers they provided are XXXX and XXXX. Will absolutely be bringing them to court if not rectified. Have reason to suspect contractural fraud with finance charges from the dealership as well. XXXX XXXX of the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is outrageous I just recieved a letter an i will attach all my proof that XXXX is refusing to correct my credit report stating that I need to submit my documenation as in proof WHEN I DID VIA REGISTERED MAIL WHICH THEY SIGNED FOR ON XX/XX/XXXX I HAVE THE RETURN CARD AS PROOF THIS IS ILLEGAL AN I WANT IT FIXED AN I WANT THIS DONE NOW!!! THIS IS A FEDERAL VIOLATION A DIRECT FEDERAL VIOLATION AN I AM GO TO SUE. IM SICK AN TIRED OF THESE GAMES
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS HAVE BEEN OPENED BY SOMEONE WHO HAS GAINED ACCESS TO MY PERSONAL INFORMATION. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS  ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I filed a FTC report and police report in accordance with the FCRA and submitted disputes. The paperwork was not filed correctly and the disputes were not submitted correctly. And I have not gotten copies of the verification process
Product: Credit reporting or other personal consumer reports

Again, I was a victim of XXXX XXXX and this is another request to remove the information from my credit file resulting from alleged XXXX XXXX. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am demanding that this agency deletes all these disputed items
Product: Debt collection

I am unable to speak with a PayPal Dispute Department representative to address two identity theft issues with my PayPal account. 

The first issue is under claim or case number XXXX. This issue relates to a false charge from the PayPal collection agency, XXXX, stating that I owe PayPal {$480.00} when in fact I have a XXXX balance in my account. 

The second issue is under case number : XXXX. This relates to my PayPal account being connected by one or more pieces of personal information to another PayPal account. 

I have called PayPal customer service on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have spoken with Collections Department agents XXXX, XXXX XXXX ( very nasty agent who refused to allow me to talk with a supervisor ) and XXXX. After the Collections Department agents said they could not help me with my identity theft issues, they transferred me to the Dispute Department. On each transfer of my call on all three days I was unable to speak to a Dispute Agent due to two problems : 1 ) my call was dropped ( hung up on ) by the PayPal automated system ; and 2 ) I was on hold for over 15 minutes when I finally had to hang up waiting for a Dispute agent to answer my call.
Product: Credit reporting or other personal consumer reports

Re : Delinquency Notice / Civil Action Notice USPS XXXX # XXXX XXXX XXXX XXXX XXXX XXXX ( FACTS ) This notice is to inform you that you are well over 90 to 120 days late on this outstanding balance that you know you owe the consumer in the amount of such credit that should have been released on this account as well as the attached completed record officially signed off on by the Department of Veterans Affairs as well as your banking or financial policies in requesting any consumer to complete such Form 4506-C and VA Form XX/XX/ 26-8937. Policies and procedures and applicable laws, regulations, and statutes are critical, we have asked for your legal counsel of record direct contact information as it is required before addressing this in a court of law. We have been overly patient with you and to this date, you have not returned any outstanding debt that you owe and should be in your files or system. At this point, we have exhausted all our administrative responsibilities and remedies, and all Consumer Financial Protection Bureau notes and records will be used. You have shown unprofessional service and conduct by doing what you have done here which has triggered others to fall suit without your supportive records. Now turn over your legal counsel of record, name, address, and phone number through the Consumer Financial Protection Bureaus Portal so that I can have it with all your responses on this site. Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash app ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate The Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) And Regulations E.these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these Violations