23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I checked my credit and noticed that I had a collection mark on my credit from Focus Receivables Management on behalf of XXXX  XXXX  for the amount of {$38.00}. I was unaware of this debt since when I closed my account with XXXX  XXXX  I returned all the equipment and paid off the account in full. I called about the debt since I should have not owed anything and in addition, I never received notification of any type of remaining debt from XXXX  XXXX  or Focus Management prior to maliciously applying it to my credit. When I talked to the representative from Focus Receivables Management she said I could pay the amount and dispute the balance. This is a false statement as it will still leave a negative mark on my credit. My credit is very valuable and should not be used as a collection tactic to an amount that I am unaware of and also the original creditor made no attempt to contact me. How can I owe a debt if everything was paid and returned? How can some destroy my credit which hurts me personally and professionally with no contact, no prior communication, or anything?
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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Insert cordance with the fair credit XXXX & XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may nok treat a payment on a credit card account under an open end 344 consumer credit plan as late for and purpose.
Product: Credit card or prepaid card

I received a debit card from usbankReliacard.com that I did not request. In order to deactivate it, I first need to activate it which I do not want to do. I understand this is fraud but can't get through to us bank to cancel this.
Product: Credit reporting or other personal consumer reports

Hello, I am a Victim of Identity Theft. I discovered in XXXX that numerous accounts have been opened under my name that I didn't authorize and immediately began to try to correct it. I told Experian about all the accounts that were a result of Identity Theft and showed numerous reports and evidence proving that I DIDNT OPEN THE ACCOUNT. On XX/XX/2023, I came to an agreement with the creditor and had to PAY to close out the account even though it was a result of Identity Theft. When speaking to the creditor, XXXX XXXX, they told me how Experian didn't thoroughly investigate per the FCRA laws. The representative also commented how there are numerous inconsistencies to how Experian is reporting the fraudelent account. Due to Experian 's incapability of doing their job, I was forced out of my apartment due to an eviction. Had experian blocked the account like I asked them to MONTHS ago, I wouldn't be facing homelessness right now. I was denied lines of credit because of this XXXX account. I am seeking civil litigation against experian and I demand compensation for their carelessness. They took full advantage of the situation and did not properly investigate.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am submitting the necessary documentation and a letter from an advocacy group assisting me due to XXXX XXXXrelated debt bondage, which qualifies as XXXX under the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  and debt bondage, and I request that all listed accounts be blocked and deleted. Please delete the following accounts from TransUnion : XXXX XXXX XXXX XXXX XXXX  : XXXX Balance : {$10000.00}
Product: Credit reporting or other personal consumer reports

I disputed inaccurate information on my credit report with Experian. Instead of conducting a proper investigation, Experian has repeatedly sent me stall letters and refuses to provide proof of verification. 

I then sent a Method of Verification request, requesting details on how they verified the disputed information. Instead of complying, they sent another generic response without actual proof. 

Experian is currently being sued by the CFPB for failing to properly investigate consumer disputes, and I am experiencing the same issue. They are violating the FCRA by : - Refusing to provide proper verification of disputed accounts. 
- Sending generic stall letters instead of conducting a real investigation. 
- Continuing to report inaccurate information without verification.
Product: Debt collection

To Whom It May Concern, I am writing to formally dispute an account that appears on my credit report under the name Columbia Debt Recovery. The account details are as follows : Date Opened : XX/XX/year> Amount : {$3100.00} I would like to state unequivocally that I have never done business with nor have I operated with Columbia Debt Recovery. This account is not mine, and I believe it has been reported in error. 

Please investigate this matter promptly and remove this incorrect information from my credit report. I am prepared to provide any additional information needed to resolve this issue. 

Furthermore, Columbia Debt Recovery has wrongfully called to harass and threaten me several times regarding this account. These calls have been distressing and unwarranted given that I have no affiliation with this company or the debt in question. 

Please investigate this matter promptly and remove this incorrect information from my credit report. I am prepared to provide any additional information needed to resolve this issue. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX
Product: Credit card

I was approved for a Comenity Capital Bank XXXX XXXX XXXX. I received the card and tried to activate it. They wouldn't activate it until I sent them front and back photos of my driver 's license and social security card, as well as proof of residence. 

I refused and asked them to close the account immediately. They would not do so. My last conversation was with a supervisor named XXXX. He said they would close it after XXXX days or so. I told him that was unacceptable. I did not want a credit instrument with my name to be open against my wishes. He refused to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the List of accounts shown below has violated my federally protected rights to privacy and confidentially under 15 USC 1681. 
ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX, ACCOUNT Name : XXXX XXXX, XXXX XXXXXXXX, ACCOUNT Name : XXXX XXXX, XXXX XXXXXXXX, 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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 recovering lost fund was impossible and that tracking these transactions was infeasible. The XXXX finding indicates that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit there system.
Product: Credit card or prepaid card

Citbank closed my account 2 years ago this XXXX, without my knowledge. I received a " Notice of account closure '' email on XX/XX/2018 that my account had been closed due to 2 returned payments in 6 months. 

However, I had already called Citi and explain that my sister had recently moved out of my parents house and when she changed her address with USPS she selected to move the whole family which was sent to the CC company and my bank. I had no idea this was done and when I called originally, the bank ( XXXX ) told me they stopped the payment, not due to lack of funds but due to a fraud risk after she changed the address. I was on the phone with XXXX XXXX for hours to make sure everything was fixed. Unfortunately, there was one area they forgot to secure that the account was good again, but I only learned that when I went to make my payment for the CC again. I had XXXX and Citi bank on the phone together at the same time and XXXX explained the situation. 

The Citi representative sent the situation to management but they declined to reinstate my card. I went around and around with Citi and XXXX just to be told I was no longer allowed to have a card with Citi. This was my largest credit card ( I was approved for up to {$25000.00} ) and they closed it on me so I was unable to get another card for anywhere near that amount. I waited a year to reapply for the card and decline again because of my previous situation. 

I have been unable to get a CC approved for such an amount since this event. Regardless of my attempts to provide documentation from the bank, USPS, etc. showing Citi Bank that this was a mistake that was not in my hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received credit inquiry from XXXX on XX/XX/2021. Inquiry stated wrong address input, further investigation required. 
I have no knowledge of this inquiry and no credit application was completed. Also, input address is not my current or previous address. Possible fraud.
Product: Mortgage

My mother died, left her home to us and had a home equity loan on our XXXX home not sure what to do have been trying to save home and need help. What to work with bank on finding a buyer or being about to rent out home which could pay back loan. I only have XXXX income for a family of XXXX in New Mexico with trying to stable ourself, we still have family items in home was unable to remove in 2014.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT RECOGNIZE THESE INQUIRES. THE FCRA ALLOWS ME TO HAVE FALSE ITEMS DELETED FROM MY REPORT. I DO NOT HAVE ACCOUNTS OPEN WITH THESE COMPANIES. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX TEXAS XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to Experian that is still reporting this misleading and fraudulent information on my credit profile. XXXX and XXXX   has corrected the matter promptly. I have given Experian notice through urgent letters and submitted an affidavit in reference to the fraudulent accoun, incorrect addresses on my Experian are invalid as well. 

Experian reporting this misleading fraudulent information is preventing me from obtaining a mortgage loan. Thank you for helping me hold Experian responsible in correcting and Deleting this Fraudulent information on my credit profile immediately.
Product: Debt collection

XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX representing Midland Funding have been harassing us for over 2 years. We went to court on XX/XX/XXXX and settled for {$1200.00}. We were making {$100.00} payments a month to the address that we were given. All of a sudden we started receiving letters from another attorney stating we never made these payments and that we owed over {$1700.00}, we went ahead and made to more payments in the amount of {$100.00} each and again several months later we received a letter from another attorney stating the same thing. They tried to serve us again in XX/XX/XXXX, in XXXX XXXX they would n't let us pay the amount owed and we ended up paying another {$1600.00} to close the account. Now the account showed up on my father in laws credit and they are claiming it was n't paid. We have all the paperwork they have sent along with receipts of our payments and yet they continue to harass us and are trying to serve us again.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX. 
Account number : XXXX
Product: Checking or savings account

I opened a PenFed checking and savings to deposit my XXXX widows pension check into a month ago and have had continual problems with the lack of customer service. I used to have an account with years ago so thought they would be okay to use, but right off the top there have been issues. They sent my debit card to my old address then after waiting weeks and not receiving it I called them and they figured it out and resent it to me at my current address. Then was trying to set up my autopays on the account and the businesses sent the payments through a week before the payment date I set them up for so of course this caused them to be returned and I called PenFed and asked them to refund the fees of {$30.00} each which they did and told them I g do o not want any fees on this account or I will be moving it! They assured me that would not be an issue with them. They do not offer courtesy pay which I have had on all of my accounts for the last XXXX years but instead make you apply for it and pull your credit report. So I was declined as I dont use credit. I only have my student loans and car note and a couple of small balance accounts that charged off after I was pulled off work in 2022 at the State of IL XXXX  after XXXX years of working XXXX XXXX hr weeks during the XXXX   for XXXX XXXX XXXX  with XXXX symptoms due to how bad I was treated by them and a hostile work environment. I finally have all bills set up except my car insurance which just came through and I also received a refund check from prior overpaid insurance I wanted to deposit but my mobile deposit would not allow me to make a mobile deposit yesterday so I tried to deposit it as a paper check via only ATMs near me that are affiliated with PenFed and it does not take deposits other than cash! I then called PenFed today to ask for help with all and was not helped but told the account was blocked from mobile deposits, which I have never even used before, because of the returned payments I mentioned above and by the way they did NOT pay those payments they just sent them back and tried to gouge me for {$30.00} for each of them!! Credit unions are not for profit banks but it is obvious this is what they are attempting to do by returning all, adding the fees and blocking me from the ability to make a deposit to my account! I have worked county, state and federal government and they are supposed to be a credit union for all federal government employees and provide excellent service but seem to be focusing only on helping certain individuals and ignoring help to those who need help! There are no full service ATMs near me where I can make a check deposit and they are preventing me from doing so by mobile deposit! Please address the issues!
Product: Credit reporting

Re : XXXX Account number : XXXX In regards to this creditor reporting my account 30 days past due. This is very much inaccurate. 
I have spoken with these illegal representative 5x in regards to maing sure my payments are automatically drafted from my Credit Card. 
and 5x, I have received 5 different responses of yes, no problem, to it is there, to I 'm not sure we can do that, to the last time of, Your card was charged already. 
I can not be more clear when I say this, you CRAs BETTER make sure you get this late mark off of my credit report, or I will be escalating this complaint to the Attorney General against you and XXXX!
Product: Credit card

XXXX XXXX XXXX i went to purchase goods at the store and was declined payment 3x. I checked my bank to discover - {$1300.00}. I called the bank as i saw a charge from home depot for {$1000.00} and then a 2nd charge of {$1500.00} which put me under. 

I checked my home depot account and found that no purchases were made online or in store. 

I returned home and called the bank ( XXXX XXXX to report fraud ( case XXXX )XXXX XXXX stated my card was fine, as home depot used my bank account and routing number to take payment. I am still awaiting funds to be returned to my bank account I contacted home depot to explain and they opened a case ( XXXX ) and they too were puzzled by the fact someone was able to use the check account/routing number to process payment. it later dawned on me to check the home depot consumer credit card account that is linked within my home depot app. 

i used my Home Depot consumer CC in store, made purchases on XXXX XXXX XXXX, then paid the balance end of XXXX. Sometime in XXXX, somebody accessed my home depot account, which links my consumer credit card. the criminal changed the address to a XXXX XXXX  address, submitted for a new card, made purchases and returns across TX and MD, got a new card and repeat to present day. 

Through XXXXXXXX XXXX XXXX there are new cards issued ( i still have the original ) and Citi ( issuing bank ) allowed my address and email to be changed frequently and sent new cards to XXXX and other states allowing the criminals to continue to commit the fraud. 

It remained undetected, as they would charge in a store and refund in another, some of these happened on the same day across 2 different states. These are all detailed within my attachment. 

XX/XX/XXXX, a charge of {$2800.00} was made in XXXXXXXX XXXX and then they called in a payment of {$1000.00} on XX/XX/XXXX followed by a phone payment on XX/XX/XXXX for {$1500.00} as my bank account is my payment method for my card. The XXXX put me in overdraft, negative balance My XXXX statement shows an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX when i logged into the cc account, the address was listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In XXXX, they changed my card to XXXX, followed by XXXX, and they called Citi to issue a new card on XX/XX/XXXX where the last XXXX getting ready to ship XXXX. Citi gave case XXXX, but i was instructed to call citi fraud, which i was unable to do due to the dept having select hours I have not received my funds from XXXX, Home depot can't see the transactions, and Citi is absolutely ridiculous for not catching several purchases, refunds, card changes, address changes and email changes on the account. Somebody needs to be held accountable and hopefully there is enough of a trail to prosecute
Product: Student loan

I can not get in contact with someone at Mohela on the phone to request a refund as part of the student loan debt relief program. There was an automated message that they cant take phone calls because of the new announcement of the program. This is a timely issue given that I need my student loan refunded to apply for loan forgiveness.
Product: Vehicle loan or lease

My statement does not reflect anywhere what my interest rate is. When I log online, I have to go fishing and click everywhere to finally find it under my details section. When I applied for the vehicle I feel like the 5 % interest rate was super high for where my credit score was at the time. I also was told that I had to use Kia Financing and was not aware that I was able to use other auto financing options with other lenders in order to determine who would be able to offer me the best rate. I feel taken advantage of and now feel stuck with a much higher rate than what I could have gotten if XXXX XXXX XXXX XXXX was honest and let me know they could've checked with other banks on offers.
Product: Debt collection

I received a letter from Frontline Assets Strategies threatening to report an amount of {$34.00} which they claim I owe to credit reporting agencies. That amount is incorrect! I owe much less than that!
Product: Money transfer, virtual currency, or money service

Multiple companies accessed my account without permission and withdrew funds that were not permitted by me.
Product: Credit reporting or other personal consumer reports

Complaint : As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per I5 usc1640.

Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. I & # XXXX ; m requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit & quot ; report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. I & # XXXX ; m requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I & # XXXX ; m requesting a cancellation of these records. XXXX Consumer Financial Protection Bureau. XXXX Attorney & # XXXX ; XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX Federal Deposit Insurance Corporation. XXXX Comptroller of the Currency. XXXX Federal Reserve XXXX. XXXX XXXX and XXXX. XXXX Federal Trade Commission. XXXX XXXX XXXX XXXX
Product: Mortgage

XX/XX/2018 Reff. : # XXXX I received a voicemail on XX/XX/2018 from XXXX XXXX informing that she send all requested documents to the CFPB and to my address. Today is XX/XX/2018 and I never received the documents by mail. I left a message to XXXX XXXX to call me back immediately she left the message and i still do not have a return phone call from her. I accessed the information in The CFPB and I can not see the the copies of the evidence of checks on the Account # XXXX. I am still confused on how they got to that amount. 
Once again, I am only requesting evidence of copies of checks with signatures to confirmed all transaction made on this account. 

Thank you, XXXX
Product: Debt collection

On XX/XX/2020 I received a phone call from A manager at the LJ Ross and Associates. I was explaining to the manager on the floor that I wont be able to take care of this for awhile. The unemployment money I am receiving is going to every day necessities. I dont think she cared and wanted me to take care of the issue today. I told her to stop calling me and no more letters through the mail. Then I told her I was contacting the XXXX and she said that I could. Unfortunately the XXXX told me that this company deals with issues like LJ Ross. I also have an attorney that strictly handles harassment cases. I want this resolved before I contact my attorney