23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Sometime between XXXX XXXX XXXX, I logged in to XXXX XXXX XXXX website. From that Website I e-mail the customer services informing them that I will not renew my car insurance with them because they increase my insurance premium almost every six months. 

Every six months they ask for my authorization to confirm my Autopay with my XXXX ending # XXXX. I did not confirm authorization XXXX for XX/XX/XXXX to XX/XX/XXXX. 

However, they decided to collect XXXX from my XXXX ending # XXXX, XX/XX/XXXX {$230.00}, on XX/XX/XXXX {$230.00} and XX/XX/XXXX {$230.00}. They did these without my authorization. I contested these bills through my XXXX and they open a Fraud investigation, I received a demand letter from collection agency dated XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NH XXXX PHONE : XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2020 - I m

ade a paypal payment to my landlord. He refunded it immediately. Since then I have been told by paypal that was to expect a refund within 30 days of that transaction ( to my visa debit card on file ). The
bank was aware of the transaction as well.

Paypay is telling me now that the amount was credited to my bank - the bank has verified that it is NOT in my account nor is it pending. It has now been over 2 months since the money should have been returned and it is not returned. Paypal will now not answer my requests to speak to a representative, but gives blanket answers that I should have the money. My landlord also verified with his bank that the money did not go to his account.

I want the {$900.00} returned to me by Paypal that was supposed to  be returned in XXXX.
Product: Debt collection

I moved onto XXXX XXXX apartments on XX/XX/2019. During my experience living there have been most terrible. They charge huge amounts for utilities. They was a constant smell of weed in all over my apartment and the washing machine and dryer was broken way before I moved there. They also had a rodent problem and XXXX problem that I had addressed to to them and they did not care. I decided in mid- XXXX that I was moving out. I let them know the date when I was going to return the keys. I moved out XX/XX/XXXX and returned the keys on the XXXX. A month after I moved I received a bill from XXXX about an unpaid balance of rent for XXXX ( {$120.00} ) as well as repair fees, ( {$410.00} ) lost key ( which fits one door lock ) ( {$25.00} ) and a break lease fee. ( {$2500.00} ) I am deeply upset and I am asking that this need to be removed from my credit report.
Product: Credit card or prepaid card

I have been unable to redeem my credit card rewards earned through the Uber Rewards card. 

Barclays advised me that the problem was on the Uber end and they could not help me. 

Uber claims that they can't help me because I am not the primary account holder. I responded to this by proving that I am the account holder by sending evidence of my credit card statement. 

They are still refusing to honor the several XXXX XXXX  worth of rewards and have marked the issue as " closed '' and said that they will not be providing further help.
Product: Credit reporting or other personal consumer reports

Equifax is showing a charge off from Applied Bank with a balance of {$140.00}. I have NEVER had a credit card account with Applied Bank and when I reached out to them at XXXX XXXX XXXX I was advised that I had no account with them. I need this account removed from my Equifax credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove fraud alert from credit file Equifax XXXX XXXX
Product: Debt collection

I sent a letter to the creditor asking for documentation on the debt and received nothing in response.
Product: Credit reporting or other personal consumer reports

XXXX & LexisNexis continue to report a bankruptcy that is incorrect. I have requested that this information be removed immediately and it has not. LexisNexis claimed to have removed the information and notified XXXX, XXXX, & XXXX that they have deleted the information as they are the reseller ( vendor ) that verifies this information for the companies. I recently filed arbitration against XXXX and their attorney denied that XXXX was actually reporting this information but I applied for credit and was denied because of XXXX I am requesting help with getting this information deleted and both entities compensate me for damages they have caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF ID THEFT. I SENT IN THE ID THEFT AFFIDAVIT AND PLOICE REPORT AS I WAS INSTRUCTED WHEN I WAS CONSULTED THE FTC. IT HAS BEEN OVER 2 MONTHS AND EXPERIAN CONTINUES TO REPORT THESE FRAUDULENT ACCOUNTS IN VOLATION TO THE FCRA LAWS. I WOULD LOVE FOR EXPERIAN TO COMPLY AND CEASE TO REPORT ACCOUNTS ON MY PROFILE THAT WERE OPEN BY THE THEFT AND NOT ME.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried to get my credit report from both TransUnion and XXXX to no avail. Im only able to retrieve my credit report from XXXX. This issue has caused me a great deal of stress and I would like for it to be fixed as soon as possible.
Product: Credit reporting or other personal consumer reports

Please see the attached FTC report and Equifax data breach claim and remove the account XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXXXXXX from my credit report. I never had an account with this company. If they are under another name, they have failed to identify themselves. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX 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 impossible and that tracking these transactions was infeasible. 
The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated 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: Credit reporting, credit repair services, or other personal consumer reports

Attempted to open a credit card with American Express. American Express queried XXXX for my credit report. XXXX is reporting to American Express that my credit is delinquent or on a payment plan. This is wholly in accurate and is not even visible on XXXX credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding late payment accounts on my credit report. Despite making timely payments, certain accounts are being reported as late, which is inaccurately affecting my credit score and financial standing. This erroneous reporting is unjust and has the potential to harm my ability to secure favorable terms for future credit and financial opportunities.
Product: Debt collection

A debt collection company has called repeatedly leaving messages with family/friends saying that they are calling from D and A Services ( or DNA? ) to collect a debt and information to return the call. I, as well as family/friends, contacted the company and requested that they stop calling. They have not. Also, they do not always state who they are attempting to contact regarding this alleged debt, I believe intentionally, in order to have my family member ( s ) return the call. They have also given out private information such as my name, the amount of the alleged debt, and also ask for my contact information. This has been very annoying, frustrating, embarrassing, not to mention illegal. They are just flat out completely ignoring all requests to stop the calls. I do not know what else to do other than file a complaint and talk to an attorney. It is apparently a useless waste of time to continue requesting that they stop calling so I am hoping that this complaint will help. Thank you for taking the time to read my message and for any assistance you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions. 

Per XXXX XXXX, they advised all XXXX credit bureaus to remove from my report in XX/XX/2022. Has not been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan with XXXX XXXX. Ive contacted them about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all TRANSUNION & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update these accounts to never late or else delete it. This is a strict violation of Fair Credit Reporting Act sections 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. 


XXXX XXXX XXXX
Product: Checking or savings account

I have been banking with chase for 11 years and suddenly they closed my account without explanation or advance notice
Product: Mortgage

My loan was transferred to XXXX XX/XX/2019 from XXXX. A letter was sent to us that denied our request to drop PMI. 
The principal balance was about {$200000.00}. Our house sales price was {$420000.00}. 
According to the loan to value we meet the guidelines to drop PMI by XXXX XXXX. 
Why did they continue to charge us? WE are way below the 80 %. 
The company has been charging us {$63.00} a month for no reason. 
I have called, but no response from the PMI department. The customer service rep says they do not take calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greensky credit keeps sending out mailers and emails saying we are late every month. I know otherwise we have numbered envelopes for the money orders. It has payment amounts and dates of payment owed. We are paid up until XX/XX/2021 we have not been late. They are committing fraud and cashing those money orders. They are saying were late. My cell phone is XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

today is XX/XX/XXXX, I check my credit report and I saw XXXX inquries fradulent, please remove this inquaries, i never apply for for any loans or credit card with this companies listed below XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX, XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX, Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX, XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX
Product: Debt collection

ATTENTION BYL SERVICES ( XXXX XXXX XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$89.00} does not belong to me. This account was fraudulently opened through this companyBYL SERVICES ( XXXX XXXX XXXX ) in XX/XX/2019 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF ACCOUNT In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a dispute letter for several accounts to Experian on or about XX/XX/2020. Received certified return receipt stamped received XX/XX/2020. It is now XX/XX/2020 and I have not received a report or status. Attempted to contact Experian today via phone to inquire and ask that they remove disputed items and they refuse, could not get a live person on the phone only automation. ( FCRA ), 15 U.S.C. 1681 et seq. / FCRA Section 623 states if info can not be verified as accurate etc. within 30 days it must be deleted. Its been over 90 days, the items I disputed should be removed.
Product: Debt collection

Continually called number not authorized to call repeatedly from XX/XX/year> until XX/XX/year> after I repeatedly told them not to contact the number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX/XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX XXXX XXXX/XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # 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 have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 CFPB 's 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: Credit reporting or other personal consumer reports

It has come to light that you are not removing the records, despite my submission of the FTC report. As required by Regulation 605b of the FCRA, I am sending this complaint to help establish a formal response. If you choose not to block the items listed below, which are inaccurately reported due to fraud, I will turn over my documentation to my attorney to initiate legal action. My intent is to avoid any legal proceedings, so I urge you to comply with the law promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 just checked again my TransUnion, XXXX and XXXX credit reports and I can see account reporting inaccurately. This is a violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see attached file below
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX, 12 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

The company arbitrarily canceled my card. They first claimed there was fraud, but when I verified that it was not a fraudulent charge, but was a legitimate recurring monthly charge. They said they had to cancel the card anyway, which will cost me most of my day going through the 40 different companies where I have automatic payment set up. I asked them if they would cover my time, since it was completely unnecessary they said they were unable to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S Code 1681c-2 a consumer reporting agency Shall block the reporting of any information in the folks of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later then 4 business days after the date off receipt it has Been way over 30 days THATS Ive reached out you are in violation of this law because i am a victim of identity theft this account should not be furnished on my consumer report as you are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumers reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances to whom it relates. I NEVER have any consumer reporting agency WRITTEN CONSENT to report any thing 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 this account immediately
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. 
Despite my submission of the required FTC complaint, your bureau continues to report this fraudulent account on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the account promptly deleted from their records. 

Moreover, other credit bureaus have already removed this account from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting this fraudulent account. 
XXXX XXXX XXXXXXXX.
Product: Debt collection

My husband and I sold our house and moved from XXXX to XXXX in XX/XX/XXXX. I was hit with a big bill from XXXX XXXX for {$580.00} in 4 mos. I paid it off by a personal check on XX/XX/XXXX. XXXX XXXX, my ex-utility company, continues to send off debt collectors in spite of my many attempts of phone calls and mail correspondences to stop such harassment. 
Would you please advise? I thank you so much in advance.