23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

on XXXX/17 I called to pay off a debt, paid it in full and asked for the paid debt to be deleted/removed from my credit report. I was told it would. I called back to day XXXX/17 after pulling my credit and saw that it was n't and asked for a supervisor ( Credit solutions - XXXX, XXXX ) and he said it was company policy not to delete or remove from credit reports, he said that if the previous call recording proved that I was promised such thing - he would honor it. So I said, you are capable, please just do it, by your company policy do you realize you are keeping people from getting on with their lives. He then tried to shame me stating that it had been 2 years since the bill was put to collection and the only reason I was paying it now was because it was in collection- stating clearly that he felt he understood why I did n't pay the debt until now.. I stopped him and told him he would not turn this around on me and asked him again to please take it off my credit report. I should not have to explain why and ambulance bill quickly went to collections and then why it took so long to pay it. It is none of his business and it is bad business practices to refuse to clear the debt off the credit report.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX  ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX XXXX which were transferred from my wallet utilizing your services.
Product: Credit reporting or other personal consumer reports

Hello My name is XXXX XXXXXXXX  I pull my credit report and notice some things on my file that was incorrect like my address and also some accounts that I done asked all three credit bureaus to remove. Such as Experian TransUnion Equifax they have a XXXX XXXX  bill on here that I asked them to remove which has been paid off and also they are using information that by law they are not supposed bro be using like a XXXX  XXXX when they wasnt giving permission to use and also a student loan that was discharged and I asked them to remove and they are not doing right and keep wanting to leave this on me like its joke I dont appreciate this and have asked them serval time to remove it
Product: Debt collection

Credit Control LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is major fraud and I demand that they stop and delete all of my information because they don't have permission to use it. They can't provide me with the original copy of the contract they say I owe. Plus I never lived at that address!!! 

This extends to the following companies as well. 

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: Checking or savings account

I mailed roughly XXXX company checks at the local post office in XXXX XXXX, LA on XX/XX/2023 and none of them made it to their intended destination. However XXXX of these checks were cashed for a total of {$260000.00} with a different name/address written on the checks than the original checks. On XX/XX/2023 I got calls from vendors asking about nonpayment. I then looked at the bank records and saw that their checks cleared but after pulling up the image of the checks, I noticed that they were not my checks and had different reciepiant names/address on them. I bank with Capital One and I immediately called them to report the fraud. They opened an internal fraud case and provided me with a case number. I called back several days later and Capital One told me that their fraud team has sent the fraud information to XXXX XXXX, the bank that cashed the checks, and have requested the money be returned to me. Capital One also told me that they have all the information and if they needed anything else that they would call me but that there was no reason to keep calling them because they have told me all they can tell me. They will not tell me the the location of the XXXX XXXX, why these funds were immediately cashed and not put on hold, why their AI wasn't used to see that these were not my checks ( different routing number, different boarders, different wording on the front and back ), or how they didn't catch that my signature was traced because all three signatures are the exact same. Also they could not tell me how this was my fault. I have called back several times, about once a week, and they keep telling me the same thing, that they are waiting on XXXX XXXX  to refund the money and that there is nothing else they can tell me. It is now 30 days since Capital One has opened the fraud case and I have still not been refunded the money. I tried calling the local police but they told me that because the checks were stolen from the XXXX XXXX that it is a federal issue and to call the XXXX XXXX. I called the XXXX XXXX and opened a case with them, however they have told me the same thing as Capital One in that they have all the information and there was no reason to keep calling them. If their fraud team needed more information, they would call me. 
Capital One acknowledges this is fraud and it is obvious the banks failed to do their job to verify the checks but yet they are penalizing me by not refunding me the money. I run a small business and this is really effecting my ability to pay vendors and make payroll.
Product: Debt collection

Chase Bank contacted my sister about a debt. My sister lives in different state that me. They have been repeatedly contacting her and I never gave them permission to contact or her or her contact number.
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT AUTHORIZE NOR DO I HAVE ANY AFFILIATION WITH. I CONTACTED THE CREDIT BUREUAS REQUESTING VERIFICATION, AND THIS ACCOUNT IS UNVERIFIABLE. 
THIS ACCOUNT BE FURNISHED TO MY PROFILE IS SEVERLY AFFECTING MY CREDIT. 

I HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS ACCOUNT OR CREDIT INQUIRIES TO BE REPORTED WHICH IS IN VIOLATION OF 15 USC 1681. 

FURNISHING FRAUDULENT ACCOUNT IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$1900.00}, {$2900.00}, {$690.00}.

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 finance 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

XXXX. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

4. XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$650.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Consumer Reporting act XXXX XXXX allege account # XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

So i decided to look at my credit report because I'm looking to purchase a car, only to find all of these different items on my credit report. I'm super confused as to how those accounts are there, must be another XXXX.
Product: Debt collection

It doesn't look like you are going to provide what I requested. So here I have to submit it again. 


Hello, thanks for reducing the amount. However, I think I made the point simple and clear. I have disputed this via XXXX 8 times. I contacted you for getting more proof for this debt a couple months ago. I sent a follow-up email to your company regarding the proof, I don't get response yet. It looks like XXXX XXXX is not capable of providing the proof that I requested. That's why I made my point in the complaint - " they should've contacted me about the maintenance issue within 30 days after I moved out. Not sending my information to your company a year later. ". So let me make it clear here again : From the document you sent : Stove, refrigerator, dishwasher, toilets, bathroom sinks, miniblinds left filthy. Walls very dirty, required full paint. Water leak not reported by residents caused serious mold & damage to kitchen wall & countertop. Required full replacement of countertop, sink & faucet. Partial wall replacement Please provide photos that you took before you repaired these issues. I also have photos right before I moved out, so we can compare. And this does not make any sense, correct me if I am wrong : XX/XX/22 Cert. Mail Fee Certified Mail Fee to mail deposit disposition XXXX XX/XX/22 Security Deposits Security deposits from holdings XXXX XX/XX/XXXX Pet Sec. Deposit Security deposits from holdings XXXX It says in the document you sent, you charged me {$15.00} for sending my deposit via certified mail to me, and then you hold both of my security and pet security deposit. So what deposit you have sent to me via certified mail? In conclusion, please send me the photos as the proof/evidence of debt I request above, I think it's the most straightforward thing to do. If you are unable to provide the proof or evidence that these were caused by me, please remove this account from the credit bureaus.
Product: Credit card or prepaid card

I used my carecredit card for a cosmetic procedure with the company ( XXXX XXXX XXXX ) they charged me for services I did not receive. I have disputed the charge with Carecredit and sent in photos of before and after to prove they did not provide the services I paid for! I was charge {$16000.00} dollars on my carecredit card and {$7000.00} on my XXXX ( which I have paid for due to the use of the facility and medication for sedation ) and I have absolutely nothing to show for it, they sedated me and did not do what I asked or what I signed papers for or what I paid for!! They are a scam. I have rights, there are federal laws against this and they are lying!! This is absolutely the most dishonest, horrible act any company could perform!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX  credit companies are not complying with their own policies in a timely manner.
Product: Credit card or prepaid card

My wallet was stolen outside a parking lot located in XXXX XXXX California. Someone tried to use use my information to open a Macy 's credit card. They bought several items with the credit card. Without me not knowing, I have already reported with the police, credit beuarus, and Macy 's Fraud Department.
Product: Debt collection

Navient viewer my profile on XXXX XXXX for Debt collection services.
Product: Debt collection

I have contacted this agency multiple times in an effort to validate a debt that does not belong to me. This company has failed to provide accurate documentation. A bill summary does not validate this debt. I also believe that my privacy pertaining false medical history has been unlawfully accessed, I will not hesitate to file a XXXX complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. Also 1581 U.S.C section 604 A section 2.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes particularly I. Light of the recent cfpd lawsuit highlighting significant issues with the platform. Dispute 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 transaction was unfeasiblethe cfpds findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system leaving us vulnerable to scams the lack of accountability and raises, serious concerns about consumer safety
Product: Credit card

I have been a Citibank credit card customer for many years, and they are now starting to charge me interest fees on purchases that I pay in full every month. After calling a couple of times, and still not understanding the reason for the fees, I wrote this : " I had called about this, but still do not understand why I am being charged interest on my purchases when I have paid them in full every month. I was told because I still have an amount for balance transfer ( even though it is interest free ), that interest will now be charged on the purchases I have made ... I looked back at previous statements from XXXX & XXXX, and I was never charged this interest as long as I paid my monthly purchases in full, and still had an interest-free balance transfer amount. This makes no sense to me. I have never experienced this with any other credit card ... Please explain this so I understand, and if things have changed from the past, please explain that also. '' This was their response : " The interest shown on your statement is generally called residual, or trailing interest. This is the interest charged against the account balance from the last cycle 's statement date until the date you paid in full. If you paid on your due date, the interest was assessed against the balance that existed on your account for about 25 days. '' There was a promotional offer of 0 % interest on purchases for, I believe it was 18 months. I paid off the entire balance in XXXX XXXX and continued paying all of my purchases in full each month. Then in XXXX of this year, I made a total balance transfer of {$1500.00} with a {$45.00} fee. I paid not only the balance of purchases that month, but also the {$45.00} fee. So the remaining balance was only the {$1500.00} transfer. That is when the interest started, even though I have paid the full amount of purchases each month. See the attached document. This is fraudulent and a scam- '' residual or trailing interest ''? I have NEVER had anything like this on any other credit card. I am not sure if they are trying to recoop losses from 2 % Cash Back on the Double Cash card or the reason for trailing interest. So it makes no sense to use the credit card since the minute you make a purchase, the interest clock starts ticking even if you pay it in full by the due date. This is a scam and it must be stopped. There should be no residual/trailing interest as they call it, it is a deceitful practice, and all they are doing is recouping and making the money lost from 2 % cash back ( 1 % when purchased and 1 % when paid ). It is a deceptive and deceitful scheme, and must be stopped. It is a con and people are being swindled.
Product: Debt collection

Portfolio Recovery reported me to XXXX XXXX credit bureau for XXXX different accounts. XXXX of the account is {$1000.00}, the other is {$320.00}, and the is {$1300.00}. I have never done business with Portfolio Recovery, I have never signed any contract with Portfolio Recovery, and I certainly have never given my consent to Portfolio Recovery to place fraudulent information in my credit report at XXXX XXXX. I value my right of privacy. Portfolio Recovery has violated my right as a free man. I repeatedly demanded that portfolio recovery provided me proof that I ever entered into a contract with them, I ever gave them the authorization to put any information in my XXXX XXXX report, and provided me proof and verification of the debt claimed against a free man. I have never received a response from them. Portfolio Recovery clearly violated my right of privacy, my right of freedom, and etc .... I demand that Portfolio Recovery cease to publish false, misleading, and fraudulent information about me to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXXXXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$460.00} XXXX XXXX XXXX Balance {$7.00}
Product: Checking or savings account

Ally bank fraud department called me on XX/XX/17 to report suspicious activity on my account. The next day I check my account and discovered my balance was {$8800.00} lower. I called Ally to report the incident and spoke with XXXX Employee # XXXX and was advised that they would place an investigation that could take 10 days to solve. Ally bank released funds from my account without my consent or authorization. 

Ally Dispute # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Experian for Inaccurate Account Reporting and Dispute Restrictions Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Experian for their continued failure to provide proper verification of disputed accounts on my credit report. Despite my repeated disputes, Experian continues to claim that the accounts have been verified, yet they have failed to provide any substantive proof of verification, such as original creditor documentation or account agreements. Additionally, I am now unable to dispute these accounts directly through Experian, further preventing me from correcting inaccurate information on my report.

The accounts in question are as follows : XXXX  XXXX/XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX/XXXX  XXXX  Account # XXXX XXXX  XXXX/XXXX XXXX Account # XXXX XXXX XXXX/XXXX  XXXX  Account # XXXX Under the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable investigation of disputed information and provide consumers with verification details upon request. By failing to supply proof of verification and restricting my ability to dispute these accounts, Experian is in direct violation of : 15 U.S.C. 1681e ( b ) Failing to maintain accurate consumer reports. 

15 U.S.C. 1681i ( a ) Failing to conduct a proper reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Failing to delete inaccurate or unverifiable information.

15 U.S.C. 1681n & 1681o Willful or negligent noncompliance with the FCRA, which entitles me to damages.

As a result of this inaccurate reporting, I have been unfairly denied credit and subjected to financial and emotional distress. I am formally demanding that Experian : Provide full verification details, including original creditor documentation, for the accounts listed above. 

Immediately remove any accounts that can not be properly verified. 

Restore my ability to dispute these accounts directly through Experian. 

Provide a written confirmation of any deletions or updates made to my credit report. 

Should this matter not be resolved promptly, I am prepared to escalate this issue further, including seeking legal remedies. 

I appreciate the CFPBs assistance in ensuring Experian adheres to its legal obligations under the FCRA. Please keep me informed of any developments regarding my complaint.
Product: Debt collection

Date of Service : XX/XX/XXXX Date of Service : XX/XX/XXXX I have two medical bills that have recently hit my credit report. I have been going back and forth with the collection agency and the original creditor. I spoke with the hospital in which services were received. They stated I owe a XXXX $ balance on both bills as I was covered under the XXXX  XXXX program. I spoke with these agencies XX/XX/XXXX and XX/XX/XXXX and again as of this date XX/XX/XXXX. The hospital and insurance company have both verified with me this debt was paid in full and I have no obligation to this debt. I contacted the agency and oringial creditor in regards to this matter. They requested documentation. I contacted the facility back where treatment was performed due to XXXX XXXX. The facility mailed me itemized statements showing a breakdown of what was billable and what was not. I spoke again with the creditor on XX/XX/XXXX and was told this will not be documentation that allows them to remove this collection. The facility and insurance company suggested this is all they could provide. I can not get this debt removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received information and credit hit for a collection from XXXX XXXX stating I have a balance of {$3800.00} with American Credit Acceptance for account # XXXX. My account with American Credit Acceptance was paid in full and closed in XXXX after vehicle was totaled out. Insurance AND GAP benefits paid amount on payoff quote submitted from American Credit Acceptance. Recently even received a notice of a XXXX credit from American Credit Acceptance. I do not owe any money to this company, and it was impossible to be late in XXXX as that car does not exist and I was not financed through them at that time.