23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recieved a letter in mid XX/XX/XXXX ( Dated XX/XX/XXXX ) from a debt collection comapny named I.C. System Inc ( XXXX. XXXX XXXX, XXXX XXXX, MN XXXX ) stating that I owed {$100.00} to from a debt owed to XXXX. I have never had XXXX service for anything ( phone, internet, tv ). I had when I was originally buying my new home in Maryland ( I signed the paperwork in XX/XX/XXXX, however I did not move into it until XX/XX/XXXXas I was on military orders in FL until XX/XX/XXXX ) looked into getting XXXX service, and provided XXXX some basic information in order to get pricing infomration for my area. I however went with XXXX XXXX service rather than XXXX and never had XXXX service hooked up. At one point several months after having moved into my new home ( possibly XX/XX/XXXX timeframe ) recieved a bill from XXXX. I called XXXX and was able to talk to a customer service representative who confirmed that I never utilized the service and removed my account from their system. I believed at the time that this had resolved the issue, until I recieved the letter from I.C.  System. I immediately called I.C. System to attempt to resolve the issue. Their customer service represntative told me that the collection account would be placed in a disputed status and that I would have to send in proof to show that I did not have any XXXX services at my home. I did this ( original documents sent to I.C. Systems are included as an atttachment to this complaint - updated to show that I have continued to utilize the same services ) and did not hear anything back from either XXXX, nor I.C. Systems so I considered the issue resolved once again. That was until I saw my credit score drop drastically last month and was very concerned about this especially due to the recent XXXX leaks, as well as the fact that I am in the XXXX and XXXX had my information at the time they expeirenced a massive data breach as well. I keep a tight eye on my finances and do not like to have deragotry marks on my record especially when I have attempted twice now to resolve this issue. The proof I provided is substantial as it coverd the entire timeframe that I had been in this new home ( I moved into the home in XX/XX/XXXX ). Prior to that I was on XXXX XXXX XXXX to XXXX FL at XXXX XXXX. I would like to resolve this issue as quickly as possible as I was planning on buying a new car near the end of the year for my wife and the massive hit to my credit report for a debt that I am in no way responsible for is not something that I would like to have on my record. Please let me know if there is anything you need from me in order to expedite this result.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep getting denied for any type of credit because of this XXXX XXXX Ive worked hard getting my need it reports cleaned up from inaccurate information and for the most part have been successful however, this XXXX XXXX XXXX  so much bogus and inaccurate info its impossible for me to get any form of credit. Why are they exempt from fixing errors? I have over 65 pages of which most of the info Im my report i have never seen nor heard of so I dont have a clue where they are getting it
Product: Credit card or prepaid card

On XX/XX/XXXX, I paid XXXX on my American Express Credit Card and hoped that this would help my credit score. So far this credit is not showing up in my credit score.

Please show this credit. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

someone opened a credit card in my name at American Express and XXXX XXXX XXXX in my name fraudulent and I have called American Express and XXXX XXXX XXXX several times and told them I live in XXXX XXXX XXXX XXXX XXXX and to please closed these fraudulent account in my name. They never did and now its showing on my credit file as fraud. I have filed a police report and FTC Report and lawsuit for Senior Abuse with the local XXXX XXXX in XXXX XXXX XXXX
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Subject : Urgent Request to Halt Legal Action Velocity Investments LLC Dear CFPB Representative, I am writing to formally request your urgent intervention in a matter involving Velocity Investments LLC , which has initiated legal action against me for a debt that I do not recognize and has failed to validate in accordance with the Fair Debt Collection Practices Act ( FDCPA ).

Complaint Details : I was never notified of this alleged debt, violating 15 U.S.C. 1692g ( a ), which requires a debt collector to provide written notice within five days of initial communication.

Velocity Investments LLC has failed to provide any verification of this debt despite multiple requests, violating 15 U.S.C. 1692f ( unfair debt collection practices ). 
I have no contractual agreement with this company and do not believe this debt is valid. I have yet to receive any information regarding the nature of this debt, the original creditor, or proof of my obligation. I have no record of entering into any contract with this company, and they have failed to provide any verification or substantiating documents. 
A lawsuit has now been filed against me, despite the fact that no proper validation has been provided, which appears to be a violation of my consumer rights. 
Request for Immediate Action : I respectfully request the CFPBs assistance in : Halting the legal action until Velocity Investments LLC provides full and proper validation of the alleged debt. 
Conducting a formal investigation into Velocity Investments LLCs collection and litigation practices to determine compliance with federal laws.

Ensuring that any unverified information is not reported to the credit bureaus and does not negatively impact my financial standing. 
This lawsuit is causing unnecessary stress and financial hardship over a debt that has not been properly verified. I urge the CFPB to take immediate steps to protect my consumer rights and ensure fair debt collection practices.

Immediate cessation of all collection attempts until full validation of the alleged debt is provided. A formal investigation into Velocity Investments LLCs failure to comply with federal debt collection laws. Removal of any negative information reported to the credit bureaus in connection with this debt that I have absolute no recognition of receiving any information on. 

Please confirm receipt of this request and provide any updates regarding potential intervention. Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX I received an email that my Experian profile information had been updated. I did not do this and was unable to log into my account so I contacted them by phone & was informed someone opened a XXXX XXXX XXXX account. On XXXX a case # was opened and established. On XXXX I uploaded the requested documents online so my information could be validated and login information updated. On XX/XX/XXXX I followed up with a phone call to check progress & was told it could take a few more days. On XX/XX/XXXX I called again to check progress. During all phone calls, I was redirected numerous times to several different departments, none of which were able to assist me in updating my username, password, phone number, and email address - all of which have been changed unbeknownst to me. I had an XXXX agent assist me on the call, which lasted four hours. This is a problem that was established on XXXX and as of XX/XX/XXXX there is no resolution and accounts are being opened and/or attempted to be opened using my credit report. Along with the XXXX XXXX  account that I'm being told is active, there were XXXX XXXX and XXXX XXXX accounts that were able to be halted. During the phone call on XX/XX/XXXX, my XXXX agent and I were transferred and re-transferred at least a dozen times to departments that were ultimately unable to help, claiming that they needed to send a one time code to either the email address or phone number on file - both of which I can't access due to someone changing them in their system.
Product: Credit card

I wanted to check that Amex was accurately calculating my interest charges on my credit card account for any given month. I reviewed the Cardmember Agreement and other materials on the Amex website. Then I downloaded my monthly transactions and balance information. I tried to calculate the balance subject to interest, and the interest charge, myself, for one month. I was not able to match what I was charged. 

I called the customer service number to ask for help in understanding the calculation method. The customer service I initially received was very poor. I had to speak to XXXX different people before I got anywhere. It is clear that the customer service reps are trained to tell customers why they received an interest charge ( and I had no issue on whether I should/should not have been charged - just trying to understand the amount ), but are not trained on how the interest is actually charged. Finally, after an hour on the phone, somebody referred me for a " billing reconciliation '' by a specialist, who would get back to me within weeks. 

In the billing reconciliation, a customer service rep emailed me, again only explaining why I was charged interest at all, and again not providing any details on how the amount was calculated. They also refunded the interest charge for that month. However, nobody at the company was able to show me how they got the exact number that they did for the balance or interest charge. The customer service experience was very frustrating. More importantly, as far as I know, the interest charge amount was inaccurate. And this could be happening month after month.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account status is wrong and this account is NOT IN REPOSSESSION. This account was settled in full for a CASH payment of {$5000.00} ( not collateral ) in XXXX of 2021 Also, the creditor is in breach of contract for mis-applying payments and is deliberately ill-reporting the account out of spite for being caught in their dishonest business practices. Either this account shows as a PAID loan ( as it honestly is ) or this will be going in to litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against XXXX XXXX located in XXXX XXXX XXXX, UT. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Prepaid card

Today im filling complaibt on cashapp cor allowing false cards to be able to take funds out my acct. Ending in XXXX XXXX have my name with different imag or my social security card in my wrlfare card logo On XX/XX/year> i filed complaint against cashapp with different email complain # XXXX. And on XX/XX/year> i filed compkaint with FCC ticket # XXXX complaint # dated XX/XX/year> with CFPB XXXX was threw cashapp because my tranasaction came all from cashapp payment history XXXX all transactions go threw cashapp XXXX XXXX XXXX XXXX used differnt debit cards it alll funds were removed through cash app XXXX of those cards gave acess to my acct been scammed for atleast XXXX XXXX dollars ill attach afyer cashapp repobds it was a phiging scam
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute two fraudulent accounts that appear on my credit report. I believe these accounts were created as a result of the XXXX data breach and have included all relevant details and supporting documentation for your review. 

The fraudulent accounts are as follows : XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date I Discovered It : XX/XX/XXXX Total Fraudulent Amount : {$970.00} Type of Fraud : Credit Card Opened by the Thief XXXX XXXX XXXX 

Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date I Discovered It : XX/XX/XXXX Total Fraudulent Amount : {$410.00} Type of Fraud : Credit Card Opened by the Thief As mandated under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am requesting that XXXX block this fraudulent information from my credit report. Attached, you will find the necessary documentation to support my claim, including : A copy of my government-issued ID A copy of a signed FTC Identity Theft Report ( or police report if applicable ) Please confirm in writing once these accounts have been blocked from my credit file. I expect a response within 30 days, as required by law.
Product: Credit reporting or other personal consumer reports

I requested for the investigation to be more accurate and to show me th prrof of the bebt they never did I feel tierd and I am XXXX and cant do anything more
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX 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: Vehicle loan or lease

Continued follow up to get the gross incompetent Bank of the West to delete their inaccurate and illegal credit reporting for a loan ( # XXXX ) that I paid off in XX/XX/XXXX ( SEE DOCS ) that they decided to start reporting to all three bureaus as a XXXX balance loan but has lates in XX/XX/XXXX and XX/XX/XXXXover three years after the loan was paid off.
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 XXXX  and Transunion credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item 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 item and DELETE it immediately in my report : XXXX XXXX Date Opened : XX/XX/2012 Balance : {$67.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I called Citibank on XX/XX/year>, on or around XXXX pm PST. I dialed ( XXXX ) XXXX. The automated system, also known as Interactive Voice Response ( IVR ) was difficult and kept repeating the same question. I asked it several times to transfer to an agent and it refused, causing an undue delay. It asked for the last four numbers of my credit card. I said I dont have it. The IVR said : you have a missing credit card is that right? I kept saying no and it kept asking me the same question. The IVR has been difficult for years and this is not a one-time isolated event, rather, this is a pattern and practice. In addition, I have submitted a valid complaint about the IVR in the past to the CFPB and XXXX  in previous years, and today in 2025, its still an ongoing problem. This is evidence that Citibank has failed to ameliorate the IVR and has ignored my valid complaints altogether. This is unacceptable and inappropriate. I seek to hold Citibank accountable.
Product: Vehicle loan or lease

XX/XX/2017, contacted by XXXX to turn my vehicle in before end of lease. Went to XXXX dealership and decided we preferred a XXXX instead. The dealer, XXXX XXXX XXXX, has several dealerships, one of which is a XXXX  dealership, and the XXXX salesman referred us over to XXXX in XXXX. They did confirm before we left that our vehicle was worth its value for trade. 

Same day, we went to XXXX dealership, found a XXXX, and negotiated the trade-in of our XXXX for the XXXX. 

Less than a month later, we received a notice of repossession for non-payment on the XXXX. When I called XXXX XXXX, they told me to disregard the notice. We also called the dealership, and they apologized, saying that delays were causing this, and actually offered me money to make up for the aggravation ( never received any money, by the way ) ... After calling both the financing company and dealership, I wrote to both of them. No response. 

I then found a charge-off on my credit report for more than {$4000.00}. Wrote again and requested it be removed. No response. 

After a year of writing and trying to resolve, I reached out again to the dealership. They provided a cancelled check made out to Nissan-XXXX. I called Nissan-XXXX, and they advised that the check was only a portion of the payoff. After several calls back and forth, XXXX suggested the dealership call them directly. During our most recent call with XXXX, they advised that they never received a request for a payoff from the dealership. I know they called, because I was at the salesman 's desk when he made the call on speaker phone. 

From the day we went to XXXX XXXX XXXX, a lot of things were fouled up. The salesman was very nice, but we sat there all day and, right before closing time, they had me sign docs, told me they would finalize everything and get my down payment when the car came in. Did not provide me with a copy of my closing package, took a week to get the car ( we had to call THEM to find out what was going on ). My new lease payment statement didn't arrive until AFTER the due date for the payment, had to hurry and call and clear that up. There was a major delay in processing the paperwork on the new lease. 

I know we are not at fault here and just don't know what to do at this point. Feeling very manipulated. : (
Product: Credit reporting, credit repair services, or other personal consumer reports

o/a XX/XX/XXXX  my XXXX  XXXX bankruptcy was discharged and in about 3 weeks all 3 credit bureaus ' had started reporting creditors that were discharged in my bankruptcy correctly ; 'closed account ' 'discharged in XXXX  XXXX bankruptcy '. 

o/a mid XX/XX/XXXX  XXXX allowed TD Bank / XXXX XXXX  to file erroneous information on one of the accounts that was discharged in the bankruptcy as 'charged off ' showing the amount. 

o/a XXXX XX/XX/XXXX  this agency has allowed XXXX XXXX XXXX XXXX to do the same thing, change the status from 'closed account ' ' included in discharge of XXXX  XXXX bankruptcy ' to 'charged off account '.
Product: Checking or savings account

XXXX XXXX. My problem started with Wells Fargo around XXXX when creditors would debit my account and the fund weren't available Wells Fargo allowed the attempted debits to continue charging my overdrafts fees ( {$37.00} ) with every debit attempt after my paychecks were directly deposited I would have nothing left I recall having to go into my retirement to pay the rent
Product: Vehicle loan or lease

I had a car loan with United Acceptance beginning in XXXX. During the government shutdown in XXXX, it resulted in me falling behind and I was not able to recover from that. Eventually around this same time, or no later than XXXX, the car was eventually repossessed. They eventually sold the car at auction and my account was XXXX out. They are no indicating that I made a payment in XXXX, which I do not believe was the case. It has continued to report on my credit reports. I have contacted them in an effort to get this resolved but they appear to be unwilling to resolve this matter. At this time this debt appears to be obsolete and with a XXXX balance showing what more would they required from me?
Product: Debt collection

Date : XXXX XXXX XXXX XXXX owed : XXXX XXXX bank atemping to collect a debt delinquent
Product: Credit reporting or other personal consumer reports

There was a credit inquiry on my report that I did not authorize. This inquiry happened on XX/XX/year> by XXXX XXXX XXXX. I did not authorize this inquiry.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Around 2018 until now I have seen in credit karma that I was pre approved for loans and credit cards every time I logged into credit karma to check my credit score they would have a bunch of different pre approvals and refinancing capabilities I attempted to look into and applied for credit cards and loans. I am very upset at this false marketing that has been bestowed upon me.Years of having a account with credit karma thinking this company was helping me to move further in life.
Product: Debt collection

I noticed a charge on my bill from XXXX XXXX. I called XXXX and my CC issuer and notified them of the error. I have just called XXXX on XX/XX/2021 they said there is no account under my name or phone number and have no reference to the acct # s listed on the debt letter. I called the debt collector, XXXX XXXX XXXX, and nobody answered as of XX/XX/2021.
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 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 CPFBs 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