23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I owed a debt for unpaid fines to XXXX XXXX XXXX XXXX. The amount is {$5400.00} and it is from a case in XXXX. The case that those debts occurred from has been expunged and the debt should have been erased. I notified the debt collector MSB  that this had happened. They asked for proper documentation which I sent over immediately. Their now saying the debt is still valid and my court papers are invalid. My documents are issued from the XXXX XXXX recorders office they are as valid as they come. Because of this debt there is a lien on my credit which is preventing me from getting a driver 's license. I have contacted them numerous times with no help at all.
Product: Consumer Loan

I only fell a few weeks behind and they are calling my employer, who I never gave permission to call. I have instructed them that the only valid number to call is my home, and they must discontinue calling my place of work and my family.
Product: Credit reporting or other personal consumer reports

Several months ago I noticed errors found on my credit report due to incorrect reporting and compliance. I reached out to XXXX and Experian numerous of times but it seems that nobody was able to help me. When I notified it XXXX and Experian, they refused to report accurate information and information that is in compliance with the federal law. 

In accordance with the Fair Credit Reporting Act Account # 1 XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy. 

15 U.S.C. 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

Account # 2 XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy. 

15 U.S.C. 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act Account # 3 XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy. 

15 U.S.C. 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act Account # 4 XXXX has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy. 

15 U.S.C. 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act Account # 5 XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy. 

15 U.S.C. 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is falsely reporting to my credit report. They are putting a collection on my Report that is a fraudulent Account. I have sent them a fraud affidavit and a personal statement but they refuse to correct the problem. This account is also closed which I confirmed with the Collection agency. This account was removed last year because the Collection agency closed this fraudulent Account and recognized that the account was not opened under my behalf. Equifax is causing me Financial harm. I was never given any notice before I was re- placed in collections. XXXX has no problem fixing errors right away but Equifax is not the same quality.
Product: Debt collection

Hello, I received a call for an unknown number on XX/XX/XXXX. The woman stated she was scheduled to process serve me papers on XX/XX/XXXX in regards to a civil suit. When I pushed for detail, she gave me a telephone number ( XXXX ) XXXX and a File ID # XXXX to call. I call this number and explained what the woman said. The man asked me for my name and case ID number. I asked him who he was with and he said XXXX XXXX XXXX XXXX. He asked me to hold, so he could reach out to the assigned attorney for a hard copy of my case file. Both he and the woman asked me to confirm the last -four digits of my SSN ( which I did after they repeated it to me ) several times. 

After waiting for a couple of minutes, the man states their client Huntington Bank is planning to file a civil suit against me for a 2008 overdraft balance of {$660.00} for an account ending in XXXX. I asked for a written documentation, of the alleged balance due, court filings, etc, but he said the client has sent me letters in an attempt to clear up the debt. However, I have received absolutely nothing. I did have an account briefly with Huntington, but I did close it once I moved away from their branches, so I do not believe in good faith that I have outstanding debt. 

He also said unless I agreed to give him my payment information right now and over the phone, he would mark my account as " in dispute '', and I would be served on XX/XX/XXXXby the woman who initially called me. He said he was a mediator and could help settle this for less than what the suit will cost me. I told him I would not provide credit or bank card information over the phone without some kind of written proof from their office or the client. I had not received any written communication from Huntington Bank or company hired to represent them. 

He said I would receive written confirmation of the debt owed thru XXXX once I set up a payment plan with him ( as he said he was acting on behalf of the assigned attorney ). I declined to provide my payment information over the phone and without proof. He said I can then expect to be served, and hung up on me. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a consumer of XXXX XXXX for over 3 year. I have never been delinquent, and always in good standard. XXXX XXXX I became very XXXX. I went to my doctor and was diagnosed with XXXX and Hospitalized through XXXX. During my Hospitalization I was fighting was my XXXX and unable to handle my affairs. Once I recovered I contacted XXXX and paid the account of XXXX XX/XX/2021 bringing it to XXXX bal, and they sent Me a paid balance in full letter, but reported Me to the Credit Bureau as delinquent. I wrote them a write letter and email them twice in their online message center regarding my battle with XXXX and being hospitalized. I requested from them due to such unfortunate situation being out of my control would they make a good will gesture on my behalf and bring my account current. They denied Me. This is affecting my livelihood, because I am trying to gain housing for myself and my XXXX XXXX XXXX son and this is the only account on my Bureau reflecting delinquent. They have shown Me No Compassion under the circumstances and I have all documents to prove my case. PLEASE HELP ME to ha e this delinquent reporting pulled from My Credit Bureau. Thank You!
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 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  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not removed the inaccurate information with evidence of the inaccurate information. I sent letters, pictures, my consumer rights that were violated and evidence of inaccurate information reporting on my consumer report. Experian is continuing to violate my consumer rights and also adding defamation of character as this inaccurate information is keeping me from obtaining credit. 

Complaint # : XXXX According to the law : 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer The CFPB Sent to company STATUS Sent to company on XX/XX/2022 We've sent your complaint to the company, and we will let you know when they respond. 
Their response should include the steps they took, or will take, to address your complaint. 

Experian response : When you dispute the accuracy or completeness of information on your personal credit report and tell us specifically why you believe the information is inaccurate or incomplete, we process your dispute as required by law. We contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office. We ask the furnisher or the vendor to verify all of the information regarding the item you disputed, and report back within 30 days of the date that we received your request ( 21 days for Maine residents and 45 days for disputes of information on an annual free credit report ). We review and consider the response to determine whether to accept it, reject it, or follow up for additional information. 

Experian could not have done a proper investigation or re-investigation because my recent consumer report still shows INACCURATE INFORMATION. After their first, second, & third investigation my address is still wrong. Information on my credit report is still INACCURATE. Experian is reporting false and inaccurate information and refusing to abide by the law. 

I have attached all factual documents and pictures of the evidence.
Product: Credit card or prepaid card

The evidence is irrefutable and it is unclear to me whether the assaulter is threatening Defamation and or Profit Loss towards both Cashapp and or myself. Cashapp needs to remedy this issue. All I know is that whether I went through on any of those days prior to the merchant cancelling the order technically is Cashapps fault as the merchant should have never had anything to cancel because despite whether Cashapp knows whether or not I knew I was making a deceiving purchase from a well know merchant in its field or not they deny kinds of transactions where if you dont have the funds available they go ahead and decline a purchase and it reads AND I QUOTE NOT ENOUGH CASH which will never read Cancelled if it was never enough funds to proceed Cashapp not only has deceived The Department of Consumer Protection of XXXX XXXX , but now have deceived this Governmental body as well. I do not think the formation of agreeing to whats in the Jotform of the first proper department alerted of this should take this long.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a customer of Amazon.com for over two decades. 

I had always used my own credit card. 

I was recently offered an Amazon Credit card via Synchrony Bank with a promise of a " SOFT ENQUIRY ''. 

I accepted the offer assuming it was a Soft Enquiry.

However, it is now showing up as a HARD ENQUIRY and thus adversely affecting my credit score.

I would not have agreed to the Card had I known it was not going to be a Soft Enquiry.
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and deletion of the accounts and inquiries listed below. As a victim of a recent data breach, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to protect my credit report from any fraudulent activity resulting from this incident. 
Accounts to be Blocked and Deleted : XXXX XXXX  - XXXX - XX/XX/XXXX - {$4100.00} XXXX XXXX - XXXXXXXXXXXXX**** - XX/XX/XXXX - {$4300.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$17000.00} XXXX - XXXX - XX/XX/XXXX - {$17000.00} Inquiries to be Blocked and Deleted : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting 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 XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX  Balance : {$290.00} XXXX XXXX XXXX XXXX Balance : {$50.00} XXXX XXXX Balance : {$930.00} XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$50.00} XXXX XXXX Balance : {$930.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$290.00} XXXX  XXXX Balance : {$150.00} XXXX XXXX Balance : {$930.00}
Product: Debt collection

i have a common name and was told by trXXXX XXXX and XXXX  that sometimes a name and social can be combined to report inaccuracies on somebody credit report. I've been going back and forth for over a year with three particular companies reporting a collection that isn't mine, nor will they show any proof or validation it is mine besides saying its validated. no proof of signature or anything. also when i try to apply for new things i always get that my identity can be verified. its very frustrating to keep going thru this with all three credit bureaus about things that are not mine. everything else on my credit is completely fine but these things. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I opened the Verizon Credit Card through Synchrony bank. The reason I opened this account was because I was promised I would receive {$200.00} dollars if I spent {$500.00} dollars using this card within one month which I did. I have been waiting to receive the credit and I have not received anything. Today, XX/XX/XXXX I called Synchrony bank twice and the first time the representative transferred my phone call to XXXX saying that they would be able to help me, but she also gave me a phone number that I tried calling and who know what that place is. The phone number she gave me was XXXX I called again after realizing that that was not a working phone number for Verizon credit card and the next agent told me that Synchrony bank does not deal with promotions like that and that I had to call Verizon phone directly. So, I called Verizon and the representative told me that the ones who deal with promotions are Synchrony bank. 
So, I just decided to contact you to receive help because now nobody is willing to help me when its time to pay. 
They record all the phone calls. Pull up the recorded calls.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$740.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPBs findings indicates that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

I had switched banks about a month prior, and when I went to go close the account or the day before I was going to close the account I received emails that I didnt have enough funds to cover whatever had tried to post, And I am mediately called the bank up to see what was going on and it turns out to credit card companies even though I change the auto pay on my account with them with the new banking information they somehow managed to still try and take it from the old accounts but thats another story. 

So I contacted Huntington, I went through this whole story and theyre only willing to waive a couple of the fees which I call XXXX  because I just want to close the XXXX account I have no problems paying what is owed on anything that they paid but I want the fees back this is ridiculous I didnt maliciously intend to do this, in which is a big load of XXXX on top of with their so-called 24 hour grace they didnt even give me a chance to do that, And I have repeatedly change the information with all creditors make sure none of this happens and now theyre trying to say that something tried to post again they charge me three more overdraft fees they agreed that they would refund some fees if I paid what was owed on what tried to post but now theyre trying to XXXX me by adding more fees and I will give them whatever they paid out Im not giving them like {$300.00} in overdraft fees they can go pound salt because thats ridiculous
Product: Debt collection

Waypoint resource group is trying to reage a debt that was removed XXXX XXXX XXXX   in XX/XX/2016
Product: Debt collection

Back in XXXX XXXX I went to California for vacation and I lost my wallet with my Credit Card and Phone with Bank Information , Social Security Card and some cash in the taxi. When I realized, I Immediately filed a police complaint. I didn't know after filling a police complaint, I have to call my bank and all my credit card company to notify them about my lost things. I thought after I filed a police complaint they will get notified automatically. Which I made mistake and now I'm the victim of Identity Theft, and also, my credit is messed up and all my account is in collection department and I owe lot of money. 
Now I'm trying to fix everything, So I started communicating with them from XXXX and tried to dispute all those charges and account. 
So, specially in this financial hardship situation, If someone can assists me I would be really grateful. 
Looking forward for a reply soon.
Product: Mortgage

I wanted to add to my previous complaint-XXXX  as the company wasn't honest with my ability to obtain a loan. 
After filing the complaint, I applied for a loan with another lender and since has closed that loan for almost 60 % more than the amount I applied with XXXX. XXXX  or Cardinal-whatever name they use caused me a higher interest rate. Had they denied me much sooner, rather then string me along, I would have gotten a lower rate as interest rates increased since last XX/XX/2020.
Product: Debt collection

Just following the links online and following recommendations. I received a call yesterday from XXXX. Caller Id indicated it was Transworld System Inc. They said an account was sent to collection on my name. I happen to have excellent credit so I didn't understand what they were talking about. Hung up then phone. 

After googling their name out of concern I though they were a real collection agency ; called them back asking what account they were talking about, they asked me my birth date for " verification '' then they were attempting to ask further questions ( questions that sounded exactly like the questions that they use in websites to verify identity... have you lived in address XXXX, what color is your toyota xyz ).. I didn't answer any of them and insisted to provide me info about the account they supposedly had on me. None of this sounded right and I believe they were attempting to apply for something or open something under my name. I confronted them and they ended up hanging the phone on me. 

I am XXXX XXXX XXXX  myself so I am very familiar with phishing practices and social engineering. On top of that my all my credit files I have them frozen. So I am not very concerned on what they would be able to do to me. They obviously already have partial info on me. 

I am really writing out of concern that these people are let free attempting to do harm to innocent people that might fall for this practices. It's very elaborated and they sound legit. 

Doing my good duty and reporting the events. 

Please let me know if you have any questions, Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX