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

Have you had your identity stolen? If you don't know you should check with XXXX. Last year ( XXXX ) they had a data breach that affected nearly every voter in this country. I personally have had personal id information stolen due to data breaches at XXXX XXXX, XXXX XXXX, IRS and most recenty at the credit reporting agency called XXXX. The IRS data breach occured in XXXX and I only discovered it when I received a credit card from a bank I did not recognize. At the time I called the bank/credit card company and they advised me to implement a credit freeze and also contact IRS. When I called IRS they told me about their data breach and also said someone had already filed a tax return requesting refund. Fortunately that return was caught - so no refund was issued to the identity thief. More recently personal id information ( belonging to both me and my wife ) was stolen from the XXXX XXXX XXXX XXXX. 

In order to protect my wife and myself I have had to implement a credit freeze with fraud alert on all of our credit files maintained by the big three credit reporting agencies. I did this back in XXXX when I first discovered the IRS related identity theft. Needless to say, this seems to have worked but it has only worked at great personal cost in terms of time. Let me give you a specific example. My wife and I are now trying to borrow money to buy a home. In order to do this I now have to contact 3 different credit reporting agencies twice ( total of 6 times ) to have the freeze temporarily lifted for both myself and my wife. In the last XXXX days this has eaten up at least XXXX to XXXX hours of my time ; and I am still not sure if it's done because my loan broker told me he is still having not able to access all of my credit files. Transunion always seems to be the worst as the PIN id numbers they provide never work on their website -- which means I have to make at least XXXX long phone calls to them in order to get a temporary freeze lift. Needless to say this is a colosal hassle and waste of my time -- because this not really to protect myself -- it protects unwary lenders. 

Once your identity has been stolen the problem never goes away. Companies like XXXX, Transunion and XXXX and lenders in general should not be able to profit from identity theft. We need stronger laws with serious and well enforced penalties that prevent this kind of profit. The XXXX reporting agencies should create a single easy to use website/application that consumers can use to lock and unlock their credit files. No one should have to spend hours doing this. In addition, all lending institutions should be required to know the person whom they are lending money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission. I have also enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete these items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX due to XXXX XXXX XXXX XXXX reporting incorrect data about an account that was paid and closed ( they were reporting that the account was still open and in ok/current status ). First Data responded to the complaint and added additional false information by claiming my account was a chargeoff/collection account. This information is incorrect, as I was paying the account and it was in good standing at the time that I paid the remaining balance. Since First Data was not providing any equipment/service at the time, I asked for a flat amount to payoff and close out the account. First Data agreed, but never updated my credit report to reflect the account was paid and closed, which is why I contacted XXXX. It seems that in an attempt to retaliate due to my XXXX dispute, First Data added adverse and false information, which is now reflected as a derogatory item on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps reporting an XXXX XXXX open collection on an account that should be closed to exempt funds i want them to remove the consumer statement they wrote and replace it with my new consumer statement : this is a social security XXXX account which is exempt from debt collection this account is illegally being reported as an open collection under the law they must write my statement as is or delete the trade line
Product: Money transfer, virtual currency, or money service

I am typing this to formally express my concerns about Zelle 's handling of disputes, Particularly in light of cfpb lawsuit highlighting Significant issues with the platform. Despite using Zelle numerous times and reporting all 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 also allowed repeat offenders to exploit the system, and leave users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Last week XX/XX/XXXX and XX/XX/2019 I received a text saying I needed to call bc I had an important matter that needed resolved. The next day I didnt answer and they called my ex husband who I have no communication with looking for me and it was for a debt that was 10yrs old to fifth third bank. They said I owed 4x the amount I owed and if I didnt pay a judge would order me to pay and I would end up paying 5grand thats 12x what I owed. They wanted payment now or id be going to court. Company is first alliance out of California supposely
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank is reporting late notations on my credit file that need to be removed. I recently looked at my credit and noticed some late notations on my credit file. Due to Covid and the unforseen events in my life because of it, I was severely financially impacted. I had a very hard time and was very scraping by on bare necessities. I was surprised to see Comenity Bank report any lates at this time since under the CARES act creditors were supposed to take leniency on credit reporting because of hardships surround the pandemic. The bureaus specifically stated they expect consumer reporting agencies to make good faith efforts and have leniency. I ask that Comenity Bank please take leniency on my hardship and remove any XXXX and XXXX lates as a one time goodwill adjustment.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX  Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is with sincere disappointment that I present to you the detailed enumeration of the concerns I have meticulously compiled pertaining to the reporting undertaken by your esteemed organization, as explicitly documented in the accompanying file. Regrettably, it is evident that the aforementioned reporting falls short in terms of completeness and fails to align with the standards I hold paramount. It is imperative to emphasize that, in accordance with legal provisions, it is incumbent upon both your organization and the data furnishers involved to diligently certify all facets encompassing the requisite Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. Such certification must be executed with unwavering dedication to truthfulness, accuracy, completeness, and timeliness, in order to ensure the utmost protection of my consumer and civil rights, thereby averting any inadvertent violation thereof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent these credit agencies a certified letter about the inaccuracies on my credit report and XXXX, XXXX and Transunion Stated that they have verified these accounts as of XX/XX/2022 XXXX XXXX XXXX XXXX XXXX However I still found that the same inaccuracies on my report
Product: Debt collection

They have continued to call me utilizing local phone numbers. I have asked them to not call me and limit all communication to writing. They are continuing to call me at least 1 time a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting nonsense accounts that are NOT late and PAID they are reporting as LATE WHEN NOT. I WANT THEM REMOVED ASAP ACCOUNT NUMBERS BELOW XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I called XXXX concerning a credit inquiry - XXXX XXXX XXXX XXXX Mentioned for me to contact dealer directly though I'm not sure if this will help. I request that inquiry is removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I did an investigation on my credit which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items! 
I have communicated with the reporting agency and told that these things were not accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$35000.00} ), XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$10000.00} ), COLLECTION ( Opened XXXX XXXX, XXXX, Balance {$280.00}, Original Creditor Name COLLECTION ), XXXX ( Opened XXXX XXXX, XXXX, Balance {$0.00} ), XXXX ( Opened XXXX XXXX, XXXX, Balance {$0.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached settlement letter .... Yet this Collections Account is shown on my credit bureaus for debt owed to XXXX XXXX XXXX although was settled with law firm. 

All information for collections reporting has incomplete details on credit reporting bureaus and should be removed. 

Account is settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting bureau is reporting incorrect information.
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Chase Visa refuses to allow me to make payments online from my XXXX Checking Account
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXXXXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit card

I want these inquiries to be deleted because I did not authorize these companies to run my credit this fraudulent
Product: Credit reporting

Equifax has refused to update XXXX accounts as included in bankruptcy. I have tried several disputes and have gotten the same results. They are not properly investigating these accounts per the FCRA. I sent in documents to support the proper status reporting of these accounts and they have refused to delete the erroneous information furnished by the credior or update accounts as included in bankruptcy.
Product: Credit reporting or other personal consumer reports

I have recently received a copy of my credit report and realized some fraudulent information on my report and it is preventing me from obtaining further and future credit and I need the fraudulent information removed immediately, The following companies are as follows : XXXX XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to purchase a XXXX indoor training bike for my wife before XXXX last year and was encouraged to use the " instant credit '' application on the XXXX web site. I did so and it has been a nightmare ever since. 

It was not instant credit - took several days - and I never received the card I was promised. I did not get the purchase made for XXXX due to all the problems. 

I visited a XXXX store in XXXX a few weeks ago and purchase the bike using the XXXX account through XXXX XXXXXXXX. 

A couple of days later, I received an alert from a credit bureau indicating that my credit score had dropped by 100 points!! When I inquired, I was told it was because my Peloton/Synchrony account had been, " closed by credit grantor '' and this was considered a negative for my credit. 

I inquired and was told that XXXX was no longer doing business with Synchrony, causing Synchrony to indicate " account closed by Grantor '' for all open accounts with XXXX, regardless of whether they were past due or current.
Product: Money transfer, virtual currency, or money service

Hi CFPB, Please help me resolve the issue of a refund of {$290.00} from Coinbase. 
It took over XXXX business days I have not received the refund {$290.00} from Coinbase yet. 

1/ From my Coinbase app, I clicked " join '' the Coinbase XXXX Premium Subscription with fee {$290.00} on XXXX. 
2/ My bank account was charged by XXXX transactions {$29.00} and {$270.00} on XXXX for that fee. 
3/ Then, I changed my mind and cancelled the subscription on the same day on XXXX from my Coinbase app. 
Besides that I contacted Coinbase Support over phone to let them know this cancelation and they opened a case # XXXX that will reimburse {$290.00} ( please see the attached ). 

Thank you very much for your help. 
XXXX
Product: Credit reporting

I have notified Experian on many different occasions that the following addresses do not or never belonged to me. I would like these addresses removed from my credit file. Since they was a result of identity theft. 

Incorrect Addresses : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I informed The consumer reporting agencies, XXXX, Experian, and XXXX of inaccurate reporting of my credit file. It is now over 30 days and they have not provided me a response. They are negligently violating my federally protected consumer rights.
Product: Debt collection

Continue to receive threatening communications from the collection agency after I notified them twice in writing that my only income is social security. last threating letter dated XX/XX/2018
Product: Credit reporting or other personal consumer reports

{ Account Number : XXXX { Original Creditor : XXXX XXXX { Amount as Listed on Credit Report : {$550.00} To Whom It May Concern : Regarding the above-listed account, I am writing this letter to offer you the opportunity to settle the alleged amount owed to our mutual benefit. Kindly note that I do not acknowledge any liability for this alleged debt in any form, and I retain my right to request full and complete debt validation from your company. 

However, I am willing to pay off a portion of this account as a show of goodwill under the following conditions : Your company will delete all references to this account from my credit report at the XXXX credit reporting agencies ( XXXX, XXXX, and XXXX ). 
You will not list this debt as a settled account. 
Your company will accept this payment to satisfy the debt in full. 
Your company will not attempt to sell or transfer this debt to another creditor. 
You will make no mention of this agreement to outside third parties. 
If you agree to these terms, I will : Pay the amount of {$150.00} via money order or certified cashiers check Please understand that this is not a renewed promise to pay. This is a restricted settlement offer, and you must agree to the terms above for payment to be made. I require your written agreement to these terms on company letterhead and signed by a representative who is authorized to enter into such agreements. 

The terms of this offer will expire after 30 days. I look forward to your prompt and positive response.
Product: Debt collection

I missed my last month of rent back in 2024, due to my previous owing my 3 paychecks at the time. I went to court they had wrong details and I only owed {$1600.00} in rent, plus court fees. I explained my situation to the judge, which he didn't seem to care or take in consideration. I have never been late or missed any rent while living at those apartments. And that could be verified. The apartment leasing SOLD my account and wrote off the charges on their taxes, which in that case, I am not responsible for any amount once they write it off on their taxes. When I reached out to this collector, the men was very rude, was screaming and giving an unprofessional attitude over the phone, once I asked for the original contract. He threatened to write a negative mark on my credit which he did. And they are claiming that I owe $ XXXX, which I do not. I have proof of what I owe. They are lying, and is a mess to deal with.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX Long XXXX XXXX XXXX ny XXXX XXXX XXXX XX/XX/year> * Early Warning Services , LLC * XXXX : Consumer Services * XXXX North XXXX XXXX * XXXX, AZ XXXX XXXX to remove accounts from Credit Consumers Dear Early Warnings I am writing to formally dispute the accounts listed on my credit report associated with my name, XXXX XXXX XXXX XXXX : XXXX ). I have previously sent multiple letters requesting proof of documentation for these accounts, specifically regarding the following : XXXX XXXX XXXX Account # XXXX Principal Loss : {$290.00} As per the Fair Credit Reporting Act, I have the right to request and receive verification of any debt reported on my credit report. To date, I have not received any proof or documentation supporting the validity of these accounts. 

Therefore, I request that these accounts be removed from my credit report immediately upon your receipt of this letter, as you are required to provide proof of the debt, which has not been furnished. 

Please investigate this matter and provide me with a written response regarding the removal of these accounts. If no documentation is provided to substantiate these debts, I expect these entries to be deleted from my credit report promptly. 

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

Sincerely, XXXX XXXX
Product: Checking or savings account

I submitted a dispute with Bank of America under the claim XXXX XXXX, for an amount of {$1.00} because the seller never sent the item. 
I sent to the bank the receipt showing that the seller must sent the item in 5 business days by XXXX. 
But the bank rejected the claim saying that the purchase was made face to face, and I must check the goods on that place. But they didnt see that the store didnt have the items on the same place and they will send it later.

But they never sent it. I also opened 2 more disputes for the same merchant and those claims are closed and approved.

So it doesnt make sense to have one rejected and the others approved for the same merchant and situation. 
other case : XXXX - XXXX
Product: Checking or savings account

This bank is the only bank that keeps charging me overdraft fees. The account with literally show available balance I use my card then after a while it will act as if I never had the money. They told me if I deposit money same day I wont be charged overdraft fees yet Im still charged overdraft fees. I dont have overdraft protection XXXX dont want it. 

They they have a special time of payment processing called time order processing. These people will literally lets you spend off your card and have the transactions pending and show you have available left and days later tell you that you didnt have money, they want me to keep calendar records and take notes of what I spend. With XXXX or XXXX XXXX if I spend money it takes it out my balance.. not show me I still have the same amount of money! It doesnt let me spend money I already spent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Choose according to account type.These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Product: Credit reporting or other personal consumer reports

XXXX has not reporting my XXXX loan balance. My XXXX  loans were cancelled recently, however, XXXX has not reported my updated balance to all major credit bureaus. 

My loans went from over $ XXXX to $ XXXX and then about {$40000.00} a few weeks ago. XXXX did not report it since XX/XX/year>.