23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter from Receivables Performance Management LLC in XX/XX/XXXX. 

The letter from RPM stated that I owe {$3200.00} for a Sprint/TMobile account that I did not open. 

I called RPM and inquired about this Fraudulent account. I was told that the account was opened in XXXX, FL on XX/XX/XXXX and that 4 XXXX were purchased. RPM gave me the phone numbers for each phone and the phone number used when the account was opened. 

The 4 cell phone numbers are all XXXX, FL based numbers and the phone number on the account is a XXXX, Colorado number. 

I live in Connecticut and I have never had a XXXX/XXXX  account, plus I was never in XXXX, FL. 

I told RPM that this account is Fraudulent and I did not open it. I asked them to please remove my name from this Fraudulent Account and remove this Fraudulent Debt from my Credit Reports. I told RPM that I live in CT and that this account as RPM told me, is for 4 XXXX purchased in XXXX, FL, with XXXX, FL numbers and the contact number is a XXXX, CO number. I told RPM that the information they provided does not add up and it is absolutely Fraudulent and they replied, my name is on the account and as far as they are concerned, I am responsible for the balance on this Fraudulent account. 

After I spoke with RPM, I immediately placed a Securtiy Freeze on all of my Credit Reports. 

I want RPM to remove my name from this Fraudulent Account and Remove this Fraudulent Debt from my Credit Reports.
Product: Money transfer, virtual currency, or money service

Account opened on XX/XX/XXXX. 

Contacted because information was on my credit report XX/XX/XXXX, I reported it was not mine and was fraud. 

Since then, I have contacted in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and last in XXXX of XXXX. They will not remove the fraud from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

INVESTIGATION IS TAKING LONGER THAN 30 DAYS Sent letters to XXXX, XXXX  & XXXX   XX/XX/2020 about inaccurate information on my credit report. 

Conserve {$1100.00} XXXX XXXX XXXX {$100.00} 01 XXXX  {$390.00}
Product: Debt collection

On XX/XX/2019 at XXXX we received a call from INSIGHT MANAGEMENT ( XXXX ) about a person " XXXX XXXX XXXX ''. Upon connecting to the operator, we inquired about what company was called and the operator stopped speaking and would not acknowledge anymore requests. We called back and the operator that picked up was unable to find what number they had called or the person referenced above.
Product: Credit reporting or other personal consumer reports

This morning, I noticed unauthorized inquiries on my credit report, and I dont know how they got there. I always check my report, and this time, something was wrong. Even after refreshing my browser, the issue persisted. I am really upset and need this addressed immediately. Please make sure the documents Ive provided are carefully reviewed so this problem never happens again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX  XXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX ; XXXX  XXXX Balance : {$13000.00}.
Product: Debt collection

I received a letter from FMA Alliance , Ltd indicating I have a balance due to them as a result of an unpaid balance with XXXX XXXX XXXX XXXX in the amount of {$290.00}. I sent a letter requesting them to validate the debt, as I'm unaware of any such debt. The request for debt validation was sent to FMA Alliance on XX/XX/2019 and has not been responded to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/2019 I logged on my XXXX XXXX noticed there was a hard pull made on XX/XX/2019. The company name I have never heard XXXX XXXX XXXX. I never walked into said bank or signed anything inquiring anything from them. Under the fair credit act I believe this to be fraud and was never authorized by me. I would like this removed from transunion who is currently reporting and anyone else reporting this as it is inaccurate information. 

Thank you for your time and help. If anyone has any questions you can call me on the phone and I will be more than happy to talk to resolve this problem as I never applied for anything.
Product: Credit reporting

I have contacted Experian on several occasions to dispute unauthorized inquiries of my credit report by several companies. Experian has simply refuse to investigate or remove inquiries from my credit file. I I have even written letters to creditors disputing inquiries but never received response.
Product: Money transfer, virtual currency, or money service

I have received 3 emails from CHIME regarding a credit/debit card that I never applied for. The last email says it is being mailed to an address that I no longer have. I called customer service and the first question they ask is my social security number, which I will not provide. But even without entering the number, the call then says, okay now enter your birthday. Seems suspicious to me. I do not feel comfortable entering that information with a company I know nothing about. I am afraid this card will be used fraudulently. Please investigate and advise. Thank you
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, I am in the process of applying for employment and have been informed by the HR department that negative items on my credit report are adversely affecting my chances of securing a position. A legal friend of mine has informed me that I have the right to dispute the accuracy of this information, which appears to be in violation of 15 U.S. Code 1692e, prohibiting false, deceptive, or misleading representations in debt collection.

According to the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable XXXX  you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts XXXX. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX  BANK Account Number : XXXX Update to Open/Never late XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX CARD Account Number : XXXX Update to Open/Never late XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete from my credit report. 

XXXX. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX Account Number : XXXX Update to Open/Never late XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX Account Number : XXXX Update to Open/Never late XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX XXXX Account Number : XXXX**** Update to Open/Never late XXXX there is some inaccurate information reporting XXXX XXXX XXXX Account Number XXXX XXXX XXXX from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

I am worried about the way Zelle handles disputes more so now with the CFPB lawsuit. I have and still use Zelle for my transactions. I have experienced dissatisfactions with the way my disputes in the past had been handled. My bank and Zelle failed me on numerous occasions. I could not get back money sent to wrong persons nor are they able to track my funds. I had to take losses. Im glad someone finally caught them. The CFPB findings show that Zelle failed to protect customers like myself information. I feel scammed and I want Zelle to be held accountable.
Product: Credit reporting or other personal consumer reports

On an XX/XX/XXXX I decided to check my equifax report and notice some fraudulent inquiries and two collections that I try disputing that they will not remove and I have a fraud alert on my account and I wasnt notify to verify my identity they did not follow to right protocols I want it removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple credit bureau disputes regarding Bank of America 's reporting of my credit card account. I declared Chapter XXXX bankruptcy in XX/XX/XXXX ( XXXX XX/XX/XXXX ), of which Bank of America was included as a creditor. Because I declared bankruptcy, there should NOT be any negative information on my credit report. Shown below is how Bank of America is reporting my account : XXXX : Remarks : Payment after charge off/collection Settled - less than full balance Current Payment Status : In Collections/Charge-off XXXX : Remarks : Account paid for less than full balance Paid charge off Current Payment Status : ( No info ) In contrast, this is how EVERY OTHER creditor is reporting my accounts included in bankruptcy as follows : Current Payment Status : No Info Remarks : Chapter XXXX bankruptcy
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and noticed there are multiple billing errors under 15 U.S. code 1666 ( b ) billing error - ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a loyal customer with you guys since XXXX  already spoke with a representative from your company. They said to file a claim with you guys Including Increasing Minimum Payment and the Interest Rates and getting Compensated for the amount that was spend fixing a problem that shouldn't even occurred. the amount that was spent was XXXX amounts fixing my bank account. This company has been having problems lately, the company always fix the problem great customer service would appreciate. 

Spoke to Wells Frago they said to file a claim for my account and the money. I lost because of your company. problems happen around XXXX, more it interests every time, and my account was on hold because of the problems going on.
Product: Debt collection

I believe the account is invalid. PARAGON REVENUE GROUP needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. PARAGON REV ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters for over a month ago and I have not received any documentation from the Credit Bureaus Section 809 stated ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX and XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Please note that this is my SECOND WRITTEN REQUEST. I have been contacted the CREDITORS BELOW AND THEY HAVE NO PROOF THAT I INITIATED SUCH INQUIRIES, NO WRITTEN AUTHORIZATION, and have provided no permissible purpose. Since they have no authorization from me, either written or verbal, THIS A VIOLATION UNDER FCRA Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify ( by physically verifying the original signed consumer contract ) each and every INQUIRES you list on a credit report. Otherwise, anyone who pays for your reporting services could fax, mail, or email a fraudulent account.

The unverified items listed below remain on my credit report in violation of Federal Law. The FCRA requires you to have a copy of the original documentation from creditors on file to verify that this information is mine and correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly. '' Who verified these accounts? 
You have not provider me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to inmediately DELETE all information that can not be verified. 


The following inquiries are not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was never notified of negative balances on this account as i had direct deposit setup from my employer the credit union rejected my deposit and closed my account with no notification
Product: Credit reporting or other personal consumer reports

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX  XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I have closed my credit card account with Citibank ( the last four digits at XXXX ) and I have a credit balance on my account of {$290.00}. 

However, Citibank refuses to refund the credit balance back to me. 

I have called them, sent them letters, emails and had and online chat. 

However, citibank refuses still to refund my credit balance.
Product: Checking or savings account

Wells Fargo charged me thousands in overdraft and non-sufficient funds fees. Also when I would cash it deposit a check, they held my funds for days to weeks.
Product: Credit reporting or other personal consumer reports

In the terms and conditions of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they agreed not to share my information with non-affiliates. XXXX, XXXX, and EQUIFAX are not affiliates of the aforementioned companies, nor are they bureaus. The only true credit bureau is the CFPB, which does not furnish consumer reports as stated in federal law. I have a right to privacy, and per the Privacy Act of 1974, as a federally protected consumer, I am now rescinding and revoking any and all authorizations I may have given, whether written, non-written, verbal, or non-verbal, per 5 U.S. Code 552a. Furthermore, per the FCRA, as a federally protected consumer, I am now opting out of any and all authorizations I may have given, whether written, non-written, verbal, or non-verbal, per 15 U.S. Code 6802.
Product: Debt collection

After several failed attempts to resolve an erroneous balance due on my student loans, it has been determined that I have to file a complaint to get somebody to review this matter. I was contacted by XXXX XXXX several times regarding an outstanding balance due on my student loans FROM XX/XX/XXXX. The balance due has changed drastically over the weeks. My outstanding balance with PHEAA was {$4100.00}. XXXX XXXX is now handing this debt and I entered an agreement with them to repay the balance at a monthly fee of {$5.00} due to unemployment and inability to pay more at this time. XXXX XXXX has changed the balance owed to {$17000.00} on XX/XX/XXXX, to {$18000.00} onXX/XX/XXXX, and it now sits at {$18.00}, XXXX  owed as of XX/XX/XXXX. I have sent several requests for review to set up a hearing, to no avail. As previously stated, I set up a repayment plan with XXXX XXXX so my  income tax would not be affected by this again. I then started receiving letters and phone calls from XXXX XXXX XXXX stating that if I did n't set up a repayment plan with them my income tax would be taken and my wages would be attached. I have not received an opportunity to review or dispute the balance they say I owe and have received any answer except " If I refuse to pay, they will attach my wages and take my federal income tax. '' Finally, my income tax was taken for the year XX/XX/XXXX in the amount of {$4300.00} to offset the student loans owed to PHEAA, however this was never applied to my balance! Nobody can answer where the money went and they only transfer me to different offices when I attempt to figure out what happened to the money they took. That money should have settled the debt I owed to PHEAA, but nobody knows where it went. This started with me owing PHEAA {$4100.00}. They offset {$4300.00}. That would leave my balance in the negative, but nobody will answer my correspondence to request a review. Hopefully this office can get something done in this matter. Thank you!
Product: Credit card

addendum to complaint # XXXX I called Bank of America this morning to request the status of my credit card overpayment ; after waiting for 25 minitutes I spoke with an associate by the name of XXXX from XXXX XXXX ; when he looked up his notes, he said my refund was not processed because it was initiated incorrectly on XX/XX/year> the initial request ; he said he proceeded to process the request correctly and the count down started again for either 10 days for the refund and up to 60 days - 2 billing statements ; I do not believe he did anything ; I believe he lied to me like the rest of the bank of america associates I spoke with ... everyone lied! This is misinformation and lies from a bank susch as bank of america is unacceptable and bank of america should not be allowed to continue to lie to the customers! it is shameful ; bank of america should be held accountable for their lying and fraudulent actions
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXX XXXX XXXX has violated my rights. 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( eXb ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) n generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be venfied, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modity that item of information, as appropriate, based on the results of the reinvestigation ; and prompty notry the furster of XXXX XXXX that the XXXX XXXX been XXXX  or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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 card

I disputed a credit card charge over XXXX months ago! They told me that no payment was necessary while this charge was in dispute. They never provided the results of the dispute, but incorrectly reported late payments to credit bureaus.
Product: Consumer Loan

I have just completed a lease on a XXXX Chevy Volt, for which I paid XXXX per month and had also purchased the Excess Wear and Tear Insurance. I had also extended the lease for a few months. US Bank is the holder of the lease. On XXXX XXXX, XXXX, I returned the car to XXXX XXXX. On XXXX XXXX, US Bank took the monthly payment on the car. When I called, a representative said that the money would be returned within two weeks by check. This never happened. Instead on XXXX XXXX, I received a bill for termination fee ( XXXX ) and excess wear and tear ( XXXX ) and sales taxes ( XXXX ), totalling XXXX, with the statement that the car was returned on XXXX XXXX. I called and said that I had 'ding ' insurance and that the car was returned earlier. This representative said that the monthly amount would be deducted in a new bill, but that the XXXX was for tires, which are not covered. Besides being very upset at a bill of XXXX for tires, I asked to see the damage report. The representative had just lied, presumably to get me to pay a unnecessary bill. A new bill arrived for XXXX ( XXXX - XXXX ). After the report arrived, I called again, and the next representative said that indeed the XXXX would be deducted, but not the tax amount and that a corrected bill would be for XXXX. Instead, a new bill arrived identical with the second bill. I would like to see a correct bill. Furthermore, as a result of the mendacity of representatives of US Bank, I hardly believe their representatives, when they say I should pay a sales tax on repairs provided by an insurance, especially as I have no idea who does the repairs or where. It seems that their phone representatives just try, honestly or not, to get people to pay any amount they can pull out of them.