23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

There are some fraudulent inquires and fraudulent account opened under my information which was a result of ID Theft. I contacted XXXX to dispute the info, and one of the supervisors advised to file ID Theft report through FTC and send them the report along with my ID, Social Security Card, and Utility Bill. All the requested documents were provided via USPS Priority Mail. They confirmed that the items were received and state that it is not enough. I asked them what else do they need to resolve the issue, and they said contact FTC to know more. No concret answers. Their representatives provide different answers every time I call. They have no knowledge about consumer protection and FTC procedures, barely speak XXXX and could not clearly state what they want.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent activity.
Product: Debt collection

XXXX/XXXX/15 requested debt validation from Credence collection agency. 
Although this is not appearing on my credit reports, Credence is required to provide validation of debt within the legal allotted time frame. It is XXXX/XXXX/2015 and I have not received any information verifying this debt if {$650.00}.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX
Product: Other financial service

I called a number that I found when I searched for Navient Customer service. I called twice. Each time I answered they said Hello, my name is XXXX. Are you calling about your federal student loans? I then said yes and proceeded to give them my email and social security number. They emailed me a pin number that I needed to repeat to them but I needed to get off the phone to view the email. They were both times to call back in 5-15 minutes. Neither times did I receive a call back. The number I called was under navient.studentserviceloan.org. 
The two numbers I called was XXXX. Then after I began to think I may have been scammed, I searched navient customer service again and a different number XXXX. So I called for sure third time and when they said Hello, my name is XXXX. Are you calling about your federal student loans? I ended the call.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
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: Debt collection

The insurance company XXXX ( XXXX XXXX XXXX , XXXX ) advised that the claim was filed and they requested numerous times from the hospital additional information that they did not receive to process the claim. The Hospital ( XXXX XXXX ) states that the insurance company needed a medical release form for any pre-existing medical condition from me and that was holding up the processing of the claim. The insurance company was provided a medical release from me when I purchased the insurance policy to review any pre-existing conditions and they never requested from me an additional medical release so that information is untrue. The hospital turned the debt over to Transworld Systems Inc., who has never contacted me only reported it my credit report the incorrect dates for services and amounts and I have contacted them several times about this and they advised that XXXX XXXX has confirmed that they have the correct dates and amounts which is untrue. When I contacted XXXX XXXX they gave me different dates and amounts which I have recorded. Additionally, in one of my most recent telephone conferences with XXXX XXXX I was advised by a billing supervisor that they claim was not filed correctly and that this account would be wrote off their books. The hospital also filed the claim with XXXX XXXX and XXXX XXXX insurance companies neither of which I had medical insurance with. The dates I was in admitted for observation are XX/XX/XXXX and XX/XX/XXXX. The billing statement sent to me from XXXX just a couple weeks ago shows billing charges for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which are incorrect. The collection agency has the amount of XXXX to be collected on my credit report and the hospital is stating that I owe XXXX that include charges for dates that I was not even in the hospital and the year as XX/XX/XXXX not XX/XX/XXXX. I have tried several times to get this matter corrected and neither the hospital, the insurance company nor the collection agency are willing to help. I advised them that I would be filing complaints with the Missouri Attorney General 's office, the FTC and the XXXX XXXX XXXX. The billing supervisor at the hospital advised me that I should also file a complaint with the state health medical insurance agency also and laughed. This is almost 6 years old and I am tired of fighting with the hospital, insurance company and collection agency. They know what they are doing is wrong.
Product: Vehicle loan or lease

On the XX/XX/XXXX we used XXXX ( the only option allowed by Ally Financial ) to pay off our car loan. We were told that the lien would be released and that we could obtain the title via the DMV by the XX/XX/XXXX or XX/XX/XXXX. We went to the DMV on the XX/XX/XXXX and the lien had not been released. We called Ally and they said that they would fax us a lien release letter that day. Nothing came through. We called on the XX/XX/XXXX and again they stated that they would fax us a lien release letter and again nothing came through. I called again today ( XX/XX/XXXX ) and again they only remedy that Ally would offer me is to put through yet another request for an " urgent '' fax. We have a buyer for this car, but without a title we can not sell it. If the buyer goes away then I have been financially hurt because Ally is negligent by not releasing my lien/title in timely manner.
Product: Credit card or prepaid card

In XXXX of this year, 2023, this case was responded to as " resolved. '' This matter is not resolved. I am not paying for something I did not do. I will no longer speak with Discover directly, as they are unprofessional, rude, and are unable to respond in a timely manner. 

I can no longer dispute the charges automatically on the Discover website as the timeframe has passed, but I lodged a complaint in XXXX. It still has not been resolved, despite what Discover has said.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name 1 XXXX XXXX 2- XXXX 3 - XXXX XXXX In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Consumer Loan

I hold a lease with Chrysler Capital ( Santander Consumer USA ), which began XX/XX/XXXX. At the time, I opted to have auto withdrawal payments from my XXXX checking account, as a matter of convenience and guaranteeing timely payments. XX/XX/XXXX, I received an alert from my credit monitoring agency that I had a negative alert from Chrysler Capital, stating that I was 30 days past due on a payment. After doing my due diligence, I confirmed nothing had changed with my XXXX account, sufficient funds were readily available, and Chrysler Capital never attempted to withdrawal the XX/XX/XXXX payment of {$420.00} from my account. 
After contacting Chrysler Capital numerous times and being transferred to multiple departments, I received the worst customer service and treatment. I was told it was not their problem, and while they could confirm I did not cancel my auto withdrawal they said " its possible just by logging into your online Chrysler account you cancelled it '' ( I logged in as soon as I saw the negative judgement on my credit report, and my Chrysler account itself said and still says im set up on auto withdrawal ). Chrysler said they will not take back the negative judgement on my credit report ( my credit score and report have been without any flaws or judgements my entire life ). Now My credit score has this mark, plus has dropped XXXX points as a result. I confirmed through my original lease, CC 's Ts and Cs and their own website that the only way to cancel your auto withdrawal is to send a written confirmation to them, which I never did. I did not want the auto withdrawal to stop ... this was an error on their end that they are penalizing me for. 

I need help, and cant get it from them ...
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of human XXXX, specifically debt XXXXwhich falls under XXXX  as defined by the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity.Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to Human XXXX  debt XXXX.According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from human trafficking within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) # XXXX 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, 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: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed inaccuracies on my Equifax credit report. Equifax has responded that they verified with the creditors the account information. However that can be true because XXXX  is reporting different account information, such as the high balance, different payment status, last payment date, account type and credit limit amount. According to the FCRA the Equifax is supposed to verify and report accurate information or they must delete. Equifax is violating my rights under the FCRA, which is illegal. Equifax has never sent any method of verification, who they spoke with or how they verified this information. Equifax needs to delete this account since they can not verify and report accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be updated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXXXXXX 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: Debt collection

A debt buyer is attempting to collect on a debt that is currently under fraud and being worked as an ID theft case with XXXX XXXX XXXX, and the credit bureaus. 

I do not owe MRS BPO LLC XXXX and they are attempting to collect on a debt that is not owed to them and a debt that I do not owe! 

They need to provide me with a WET INK SIGNATURE of a contract showing that I owe them money. 

Again, this company is a debt buyer
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted 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
Product: Vehicle loan or lease

I have reached out to bridgecrest 3 times about hardship due to the global pandemic. They emailed me telling me they will not help me and continue to harass me ( today they called me 17 times back to back ). 

At this point I am feeling threatened and scared to answer my own phone. I have told them my situation via phone and email. There is no need to call me almost 20 times a day ( from 7 different numbers ). We are in a global pandemic, I dont need this additional stress!
Product: Debt collection

The statute of limitations for this debt from 2017 should apply. 

XXXX XXXX XXXX , XXXX has tried collecting on an old debt purchased from XXXX XXXX XXXX through a collections agency Synergetic Communications , IncXXXX ( XXXX XXXX XXXX XXXX # XXXX XXXX TX XXXX ) However, the collections agency has not updated the amount owed, or communicated with me regarding the debt, post a payment arrangement agreement.
Product: Credit reporting or other personal consumer reports

These credit inquiries that are on my credit report are fraudulent and need to removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

These are instances regarding BARCLAYS Advantage aviator red MasterCard. I have had difficulty with them regarding their charging of interest and penalties which were not valid. Back quite a few months ago, I got an interest charge and penalty charge on my wifes credit card and when checking the statement, I found that the statement had been paid on time. I contacted Barclays and was told that they will often put a charge on the credit card and then, when the payment is received, they will then reverse the charge. I thought at the time that that was bazaar and made no sense. People could mistakenly pay the charge. I called and talked to a supervisor regarding this and she apologized and didn't know why that happened. Then again, several months ago, there was an item that I was to get a credit for. I was told to deduct the charge from my bill since I was not responsible for the charge. I did that but again received interest and penalty charges. I called and they said they would remove the charges. So I deducted the interest and penalty charges from my bill and then, on my next statement I again got interest charges and was told it was because I didn't pay the past interest and penalties. I asked to talk to a supervisor. I then talked to XXXX operator ID XXXX. He told me that my problem was not paying the bill and charges in full and as long as I didn't pay the bill in full even if the charges were not mine, I would continue to receive interest. I told him that I didn't think they should be charging people interest for charges they should need to pay because they werent valid charges. I told him that I was told to deduct these charges. He said that what I was told was not true. He was also rude and said that nobody would've told me that. He said that even though the charges were not valid that I had to pay them and wait till I got a credit for them on the next statement. I told him that was not what I was told. He said he didn't believe that somebody would tell me that. I told him that any credit card that I've ever had and had charges on it that weren't valid and that would be credited that I was told that I was to deduct them from my statement. He said that's not true and credit card companies don't do that. I believe he is wrong. I pointed out to him that if, for example, I as a consumer have something like a {$50.00} charge on my account which was not a valid charge that I had no reason to pay it. But if I was forced to pay it and if they have, for example, XXXX XXXX customers in my situation that they are talking about {$50.00} XXXX that Barclays has on float and they could use the money belonging to their customers. I don't know how that could be legal. I don't know how Barclays can use my money to do whatever they want to do with. Why should I be paying them money for not valid charges and they were able to use my money as a float for another month?
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection from Penn Credit Corp, I do not recall doing any business with the following collection agency. Please verify debt.
Product: Debt collection

XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Debt collection

Phone number XXXX calls and a recording says the call is for someone who does NOT live here. I have notified them XXXX times that the person does NOT live here and the robot continuously calls back.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting 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 fraudulent 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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$320.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2400.00} ; XXXX XXXXXXXX Balance : {$140.00} ; XXXX  XXXX XXXX Balance : {$43.00} ; XXXX XXXX XXXX Balance : {$120.00} ; XXXX  XXXX XXXX Balance : {$460.00} ; XXXX  XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$910.00} ; XXXX XXXX
Product: Credit reporting or other personal consumer reports

Well Fargo credit card XX/XX/year>XXXX  {$2900.00} I have a problem getting this credit card off my credit report and fully dispute that charge. I was XXXX  at the time, so theres no way Im responsible for this tremendous debt. I have proof who had access to my information which who was responsible for my credit report going down drastically.