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

I have been trying to get this fraud account taken off my credit and I dont know why the credit bureaus haven't taken it off yet when I have sent multiple letters to them about it. I sent a letter back on the XXXX last month in XXXX and I attached the document of the original letter as well. It looks like it was opened XX/XX/2019 with a balance of {$16000.00}.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

XXXX is the previous complaint. The claim closed, but the issues still remain. 

The pay in 4 card still reflects negatively on my PayPal account, and automatic payment attempts were made from my checking account at XXXX XXXX XXXX XXXX XXXX. This resulted in additional overdraft fees. 

My Paypal account shows past due for this master card. The past due status does not allow me to use any of the credit, payment plan or pay in 4 options.
Product: Credit reporting or other personal consumer reports

In regards to XXXXDEPT OF ED XXXX please see my attached documents. The company has changed and updated every single account and all bueros and as you see from my documents attached you are the only agency still showing the XXXX transaction errors. My Affidavit via certifed mail was sent with XXXX response and its been over 180 days. You guys keep saying you updated the account but haven't changed a thing. You have no more time fix the issue.
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 the 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I simply woke up to alerts at banks I have never heard of and most alarmingly, I am not applying for credit anywhere right now. the recent inquires were from XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX in attempt to repair my credit I created an account with XXXX XXXX but was told they could not release my Experian credit report due to a restriction. I called Experian several times and not one representative was able to assist me. I made a final call to them on XX/XX/XXXX @ XXXX. Can a representative all of my information confirming my identity and was told my issues was corrected. However, when i went to log into the XXXX XXXX account to access all 3 of my reports I received the same error with the account id # XXXX. I have now created an account with XXXX and I still do not have access to my Experian credit profile. This is ridiculous and very frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated and corrected right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

My credit was ran on XX/XX/23 by Synchrony Bank in the amount of {$15000.00} with out my permission. This is a violation of the Fair debt collection practices act 15USC 1692 C a. I found out about this fraudulent transaction on XX/XX/23 after receiving harassment letters in the mail. This is another FDCPA 15USC 1692 B 4 5. Following with numerous phone calls, voicemails and txt messaging multiple times per day. FDCPA 15USC 1692 D 5. The worst part about this is my business phone was used to create this credit. This phone number goes to my employees and it has been extremely embarrassing causing me XXXX ship and humiliation. FDCPA 15USC 1692 C 3 b. Not only have they been harassing my work place where I conduct business to feed my family. They sold my information to third party credit reporting agencies. Which is a complete breech of privacy and I never gave anyone consent to hand out my personal information. FDCPA 15USC 1692 C a. The mail has been going to my home in Florida where I have family staying and now they a long with the mail carrier can see that I supposedly have debt through this Care credit card. Which is another breech of my privacy and is another embarrassing situation. Ive also been denied credit through my business do to this transaction being on my credit report costing me thousands of dollars in loose.
Product: Debt collection

Subject : Formal Complaint Regarding Unresolved Pay and Delete Agreement Dear Customer Service Team, I am writing to formally express my dissatisfaction with the handling of my account and the unresolved issues related to a pay and delete agreement I made with your company. 

In XXXX, I initially contacted your company to address a debt that I was informed of. After confirming the validity of the debt, I paid it off to maintain a favorable credit score. However, I was not informed of any additional debts at that time. 

Upon later communication with a representative named XXXX, we reached an agreement that I would pay {$2000.00} under the condition of a pay and delete arrangement. I agreed to this to prevent any further negative impact on my credit report. Despite numerous attempts to follow up with XXXX, I have not received any return calls. On multiple occasions, I was told he would call me back, but I have yet to hear from him. 

Additionally, my attempts to seek assistance from other representatives have been met with irritation and unwillingness to help. This lack of communication and support is extremely frustrating and unprofessional. 

Recently, I received a letter from XXXX confirming that my account had a XXXX balance. However, the agreed-upon pay and delete action has not been reflected on my credit report. This issue has been further complicated by the fact that an additional debt appeared on my report, which I was never informed of or given the opportunity to dispute. 

I initially agreed to the pay and delete arrangement under the impression that it would be the most straightforward way to resolve the situation. However, I now find myself in a position where I must escalate this matter due to your companys failure to honor our agreement and provide adequate communication. 

I request immediate action to remove both debts from my credit report as per the original agreement. Failure to resolve this issue will leave me with no choice but to seek further action through regulatory bodies or legal means. 

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

Representatives involved XXXX XXXX and team Accounts XXXXXXXX XXXX XXXXXXXX Client Acct. # : XXXX Acct. # : XXXX Collector : XXXX XXXX I have both letters with XXXX balances and reported with XXXX to the creditors as of XX/XX/XXXX Sincerely, XXXX XXXX ( XXXX XXXX )
Product: Debt collection

I received a debt collection letter from you. Do you have the right person? Can you supplyme with a contract or agreement signed with your company or the Creditor.PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITORVERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TOCOLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THATYOU CLAIM IS OWED.ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROMTHE ORIGINAL CREDITOR TO THE CURRENT CREDITORPLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BYTHE ORIGINAL CREDITORPLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINALCREDITOR TO THE SECURED TRUST AND THEN BACK TO THEORIGINAL CREDITORPLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOUHAVE VALIDATED THE DEBT.Please do not look at my credit report or report anything to my credit I dispute I owe thisdebt amount to you and that dispute should be stated on my credit report if you have reportedthis debt.PERMISSABLE PURPOSEPlease State why you have a permissible purpose to contact my credit. I disputethis. IF YOU PASS THIS ON TO ANOTHER COLLECTORI dispute I owe this debt to you. If you pass this on to another debt collector, please providethem notice of my dispute to owing this debt. Thank youfor your immediate cooperation.the _
Product: Credit card

I kindly ask you to remove the incorrect late payment from my account. Considering my consistent history of making payments on time, it is unfair for me to be penalized for an error that is not within my control. I respectfully implore you to promptly update my account with the correct information.
Product: Mortgage

I applied fir HAF in XXXX  got awarded 18 months and they havent made XXXX payment
Product: Credit reporting or other personal consumer reports

I was informed by XXXX XXXX of fraud on my account They sent me a copy of my credit report so I can confirm any suspicious activity. Several accounts that was not open by me. Are on my credit report. XXXXXXXX XXXX XXXX AccountXXXX, XXXXXXXX XXXX XXXXXXXX. Account.XXXX, XXXX XXXX XXXXXXXX. Account.XXXX, XXXX XXXX  XXXX AccountXXXX XXXX XXXX XXXXXXXX. Account.XXXXXXXX XXXX XXXX, service account. XXXX these are all fraudulent accounts on my credit report there are Wisconsin addresses on my credit report, even though Ive never lived or had an address in Wisconsin ive also reached out to these companies and none can provide documentation showing my signature. Also, I spoke with XXXX XXXX  informed them that the account was fraudulent so they had the vehicle repossessed, which is hurting me even more because they didnt remove it from my report.Once I found out about it I didn't contacted XXXX as well as XXXX just to make sure that the information wasn't on both reports as well and I found out that they are I have disputed this information directly with credit bureau of also filed an FTC report as well as contact the local police department this fraudulent and unverified information is causing harm to my credit report I have contacted a lawyer in order to seek damages due to these bureaus adding the information without properly verifying that it was correct and not fraudulent My attorney has informed me to give these companies 30 days to rectify the situation before taking legal action and as they are in violation of the FCRA
Product: Credit card

I am XXXX years old and have had my job for XXXX  years and am still working. Synchrony Bank tookl over my cards and I just received a letter saying they are increasing the interest rate to 34.99 %. I have always paid extra and have great credit but that rate is outrageous. Nobody should have to pay that rate. I started out in the teens and now we are talking, to me what should be illegal, interest rates. How is anyone supposed to get out of debt. 
I have more than paid back any purchases, am just discouraged and disappointed that such a thing can take place. It's like they want you to file for bankruptcy. I have worked multiple part time jobs as well as my full time, in order to maintain good credit but this makes you want to give up. I am tired of struggling every month.
Product: Credit reporting or other personal consumer reports

XXXX has been illegally reporting on my Consumer Reports 15 U.S Code 1681 ( b ) - Permissible purposes of Consumer Reports States that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 1. In accordance with the written instructions of the consumer to whom it relates I did not give verbal or written permission for my information to be shared with Credit Reporting Agencies XXXX Experian, XXXX or XXXX XXXX ). This is a clear violation of my rights under 15 U.S. Code 1681 ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX charged off my account 5 years ago but reports 30 days late every month thereafter. The account is closed and can not reported as late, just a collection is the only thing. Basically, the bureaus are allowing companies to suppress the credit worthiness of consumers so that the bureaus can get more subscriptions for companies being able to charge higher rates. 

XXXX XXXX XXXX XXXX  also reports a charge off 5 years ago and then a 30 day late every month to further destroy my credit. Then they will not provide a contact number that works to discuss the dispute. 

I went to dispute a Tn Dept. of Human Services for 30 days late and XXXX  will not let me dispute. Tn Dept. of Human Services is not a collection account as being reported by XXXX  and has not been late.
Product: Credit card or prepaid card

I am a victim of identity theft. I banked with Bank of America for several years. Someone accessed my account and made a {$300.00} deposit into my checking account using a paper check that was stolen from my apartment. I have attached a copy of the police report. The deposit was made at a Bank of America ATM machine so there should be a video tape of the deposit being made which will show that it was not made by me. Bank of America froze all of my accounts and then closed them because of this deposit. Upon handling the closure of the accounts I noticed that a new credit card had been sent out to someone else ( not me ) and that several charged to my credit card and debit card were made without my knowledge or authorization or approval. I notified Bank of America and they denied my claim saying that it was me that made the purchases. 

One of the charges on the debit card was for a XXXX office in XXXX Texas. The manager of the XXXX office acknowledged that it was not me that used the card! They told me that another patient used the card over the phone and that it was not XXXX XXXX who made the purchase. Bank of America knows this and has continued to attempt to collect this debt and has now reported my account to XXXX XXXX XXXX. 

Regarding the credit card, my limit was {$700.00} and I always paid my card on time. When my accounts were closed somehow my limit was {$5000.00} and there were several thousands of dollars in charges that I did not make. 

Bank of America told me that no negative reporting for the checking accounts would be made to any credit reporting companies, however that turned out to be a lie. 

Someone stole my identity, made copies of my cards and apparently stole checks too. Pull the surveillance video! It was not me!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third times 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, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX Balance {$4800.00} ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXXXXXX, MA XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX
Product: Credit card or prepaid card

Note to the CFPB : Complaint XXXX was not a duplicate complaint. It had ZERO to do with Complaint XXXX. Two completely different disputes/transactions. If you paid attention to the documentation I submitted, or even just the what would be a fair resolution to this issue sections, you wouldve seen that! Now you just wasted 10 days, as well and my time having to submit another complaint. Please start paying attention to consumer complaints and do not close this complaint again Complaint Against Business ( Lets try this one more time! ) : I am so sick to death of this. Every single dispute I've filed with these people comes back denied for no good reason whatsoever. Every single time they act like I don't send them enough documentation, and I always do. Sometimes I send them more than enough! This needs to stop!! If I have to file one more complaint here regarding a dispute, next I am filing a complaint with the New Jersey Department of Banking and Insurance!!!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXXXXXX BALANCED {$5000.00} XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr : XXXX XXXX XXXX XXXX XXXX  ) XXXX BALANCED {$2100.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX BALANCED {$1500.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX BALANCED {$2900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Ive called twice after I got an email from XXXX saying suspicious activity on my account and I saw several charges that says XXXX is the merchant but I didnt buy anything from XXXX XXXX Also, my cards and social security were stolen I have a police report. I reported to the bearues as well. 

The amounts are XXXX and XXXX on XX/XX/XXXX, charged three times all in the same day. I was told they would investigate it and the charges would fall off during the investigation I called on XX/XX/XXXX and the charges are still there and my payment on my bill is due on the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy chapter XXXX that was discharged on my credit report. I received my letter from the bankruptcy court that specifically says, they do not report bankruptcies. I sent that letter to all 3 credit bureaus as well as to XXXX XXXX to have the Bankruptcy removed. It has been over 30 days and I have not heard back from XXXX XXXX. The credit bureaus responded back stating they verified with XXXX XXXX. If the bankruptcy court does not verify bankruptcies, how is it that a third party company reports this as a valid debt?
Product: Debt collection

I found derogatory information on XXXX credit report about a debt of {$590.00} from a company called XXXX XXXX XXXX. I am unaware of a company called XXXX XXXX XXXX and whether they are a legitimate company. I did not contact them directly because of this. I have never received notification of this debt prior to it showing up on my credit report in XX/XX/year>. I have not received any notice in writing from the company either through the mail or by electronic means. I have also not received any contact by phone. Because none of this contact occurred, I do not know who the original creditor may be and if this is indeed my debt. Since I do not know about this company or debt and have not received written notification, I was not allowed to dispute or pay the debt prior to it showing up on my credit report.
Product: Money transfer, virtual currency, or money service

Venmo  emailed me a 10 percent cash back offer on XX/XX/year>. I activated this offer the same day I received it. The offer said I could make any eligible purchase via Venmo debit card by XX/XX/year> to receive up to {$25.00} cash back. I made two qualifying purchases on XX/XX/XXXX and received 10 % cash back for only one of my purchases, which was XXXX. However, I did not receive cash back for my XXXX purchase. Venmo does not exclude XXXX in their terms and conditions, therefore this purchase is valid and qualifies for 10 % cash back. Venmo 's terms state that cash back will be received within eight weeks of the eligible transaction. The end of this eight week period was yesterday, XX/XX/XXXX. I still have not received any payout. I was assured by Venmo 's chat support agents that I would receive the cash back and not to worry. I even had them escalate a support ticket for me to upper management. It has been weeks and nobody has attempted to reach out to me like they promised they would. I will be attaching evidence to support my claim. Please see attached screenshots. Also, it is highly improbable that XXXX rewards were claimed by XX/XX/XXXX. The odds that my first purchase was rewarded and not my second purchase, due to the aforementioned reason, is astronomically low because both purchases were made within three hours of each other. Venmo could simply tell any participant that the reward limit was reached, simply to avoid paying out any cash back, at any given moment. This type of behavior causes every single participant to be at a disadvantage because Venmo is baiting customers into using their Venmo debit card for purchases that will " maybe '' earn 10 % cash back or, otherwise, zero cash back, which is morally wrong and unethical because I could use a credit card for guaranteed cash back. Venmo needs to provide proof that they did, in fact, reach the reward limit before XXXX XXXX on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorize on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.