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

XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Attn : Customer Care XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX   XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim I was late past due 60 days then paid. This is a formal notice that your erroneous claim is now disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature? 

Please also be aware that any negative mark found on my credit reports including ( XXXX, Transunion, XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My Contact Info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I send several times my dispute letter thru the XXXX credit bureaus XXXX, XXXX and transuion but they still refused my letters. I STILL SEE ALL THE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. The bureaus says I'M NOT THE ONE WHO SEND OUT MY DISPUTE WHICH IS WRONG. i'm the one who send it out. please delete all thee accounts an inquiries Thank you open late payment XXXX XXXX XXXX XXXX XXXX, XXXX {$10000.00} Charged Off XXXX XXXX XXXXXXXX XXXX XXXX, XXXX {$1200.00} charged off XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX {$1000.00} Charged Off XXXXXXXX XXXX XXXXXXXX XXXX. XXXX, XXXX {$530.00} closed late XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$0.00} open late XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX {$690.00} XXXX  XXXX  XXXX XXXX, XXXX {$1200.00} inquiries XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX Charged Off XXXX XXXX  XXXX XXXX. XXXX, XXXX {$0.00} Charged Off XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1500.00} Charged Off XXXX - XXXXXXXX XXXX  XXXX XXXX, XXXX {$1000.00} Charged Off XXXX BANK XXXX XXXX. XXXX, XXXX {$870.00} charged off XXXX XXXX XXXX  XXXX XXXX, XXXX {$230.00} cloed late XXXX XXXX XXXXXXXX XXXX, XXXX {$0.00}
Product: Checking or savings account

Fraud scammers took over my account and were able to change my mobile phone associated with the savings account and then requested two transfers of funds to their XXXX XXXX XXXX accounts. Both transfers were to take place today XX/XX/2024. I learned of this when I was able to change my password and then change back my phone number by calling the bank on XX/XX/XXXX. I then saw the transfer requests and requested they be halted before finds actually left my bank Marcus by Goldman Sachs. Only one of the two transfer requests was halted ( {$9900.00} ). The one for {$9800.00} was not able to be halted and left the bank and my account. I was told I needed to make the request to halt 1-3 days prior to the transaction to guarantee my money would not leave the bank and my account. I was told I didnt meet that 1-3 day requirement. This is confusing. The bank opened a fraud case but Im not hopeful of getting back my {$9800.00}.
Product: Credit card

Their interest in credit card its very high. No matter how much you pay. Your bill never goes down.
Product: Student loan

On XX/XX/XXXX Edfinancial received a request from me to switch my plan from the SAVE plan to any other income-based repayment plan. I was advised by an Edfinancial representative, and XXXX supports, that I am allowed to switch out of this plan due to its legal status. Edfinancial forced me onto a forbearance in XXXXXXXX XXXX XXXX. I immediately called and asked to be placed on anything, even the full payment, so that my payments counted towards Public Service Loan Forgiveness. The rep I spoke to stated that if I didn't stay on the SAVE plan, I would have to make full payments but that they wouldn't count. I followed the news until I saw that I had an option. At no point has Edfinancial reached out to borrowers in my situation to give us options. Today, on XX/XX/XXXX, I received a letter stating that I was rejected for ALL income-based repayment plans. I spent a half an hour on the phone, the representative I called today ran me through all of the income-based repayment plan tools, and I qualify for XXXX, XXXX, and XXXX. She said she would forward my application to the " back office, '' and that I would have to wait what amounted to two more weeks for an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : It also states 15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX  XXXX Balance Owed : {$750.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$680.00} XXXX XX/XX/XXXX XXXX XXXXK XX/XX/XXXX
Product: Credit card

Walmart was advertising a {$25.00} credit on a new card account if the customer bought so much in merchandise. The promotion read something like, " Open an account today and get a {$25.00} credit when you purchase {$50.00} or more. ". As it turns out the customer only gets the {$25.00} if he makes the purchase that same day. If I had known that I would have waited until I was ready to buy. After XXXX statements and about {$1000.00} spent, I contact Walmart to ask where my credit is and I get the " gotcha '' news.
Product: Debt collection

I have received innumerable telephone calls, and numerous letters, regarding payment of a " debt '' I have no knowledge of and no involvement with the alleged creditor. 
I have repeatedly told the debt collector I do not owe a debt, and remind them that IF I did, they acknowledge the statute of limitations has run ... so I would n't pay it anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus put stuff on my credit report without even warning me about it. The following accounts were fraudulently opened in my name. I did not make the charges and I never received any correspondence from them.. Please remove the accounts XXXX  XXXX  XXXX XXXX XXXX..they have nothing to do with me
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On Equifax the date last active is ( XX/XX/XXXX ) an on XXXX it's ( XX/XX/XXXX ) on XXXX its XX/XX/XXXX If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. 

Account name : XXXX XXXX Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation sent po report from hpd inaccurate information on credit report no knowledge of accounts
Product: Debt collection

Request for Deletion of XXXX Accounts from Credit Report Dear Experian Dispute Department, I am writing to request the removal of certain accounts associated with XXXX from my credit report. Upon reviewing my credit report, I have discovered accounts linked to XXXX that do not belong to me. I have enclosed a letter from XXXX stating that I do not have any accounts with them. 
I kindly request that you investigate this matter promptly and remove these erroneous accounts from my credit report. These inaccuracies are negatively impacting my credit score and financial standing, and they must be rectified as soon as possible. 

I assure you that I have never had any dealings with XXXX, and the presence of these accounts on my credit report is entirely erroneous. I have taken all necessary steps to verify my credit history, and I am confident that the information provided by XXXX confirms my non-affiliation with them. 

Please inform me of the steps I need to take to ensure the prompt removal of these inaccurate accounts from my credit report. I appreciate your attention to this matter and your assistance in resolving it efficiently. 

Thank you for your cooperation and prompt action on this matter.
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following inaccurate account on my credit report. 

XXXX : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$15000.00} XX/XX/XXXX XXXX : XXXX Date of inquiry XXXX XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX {$640.00} XX/XX/XXXX TransUnion : XXXX Account Number : XXXX {$15000.00} XX/XX/XXXX
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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. Money was not available when promised causing negative reporting to credit bureaus unpaid bills and fines on credit cards.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX To Whom It May Concern, Subject : Inaccurate Credit Reporting Request for Immediate Deletion ( 15 USC 1681s-2 ) I am writing to formally notify you of an ongoing issue regarding inaccurate information reported by your company to the credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ). As a furnisher of credit information, it is your legal responsibility to ensure the accuracy and integrity of the data provided.

The specific account in question is as follows : Account Name : [ XXXX ] Account Number : [ XXXX ] Current Reported Balance : [ {$5400.00} ] It is my understanding that this debt was charged off by your company, and I have reason to believe that a Form 1099-C was issued, which memorializes the cancellation of this debt. According to IRS guidelines, a debt cancellation through a Form 1099-C should no longer reflect as a balance on my consumer credit report. The continued reporting of this balance is therefore inaccurate and misleading.

This inaccuracy constitutes a clear violation of the FCRA, as you are required to report only truthful and accurate information. With full knowledge of this error, you are obligated to correct it immediately. 
To rectify this matter, I request that you provide me with the following : 1. A return of the time and form prescribed by regulation or the Secretary, including : o My name o My address o My Tax Identification Number ( TIN ) o The date and amount of the discharged/charged-off debt o Any other relevant information as required by the Secretary If you are unable to provide the requested documentation and proof, I demand that this account be removed from my credit report in its entirety. Failure to comply with this request may result in legal action, as I will not hesitate to engage retained counsel to protect my rights under the FCRA. 
Please respond promptly and confirm the actions taken to correct this issue. All correspondence related to this matter should be sent to the address listed above. 
Thank you for your immediate attention to this matter. I look forward to your prompt and favorable resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Debt collection

On or about XX/XX/2016 I made a purchase through XXXX at XXXX for a cash price of {$320.00}. I made all the payments however my name has been sent to a collection agency accelerated financial SO for {$660.00} original creditor XXXX , XXXX. This account is showing on my credit report and I have received calls from the debt collection company. I explained to the debt collector that the bill was paid however the company states and have reported this debt.
Product: Debt collection

Wakefield Collection # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX call numbers XXXX and XXXX. Per the provider, dates of service XX/XX/XXXX and XX/XX/XXXX. My dad died XX/XX/XXXX. I'm the executor. I received a collection notice from Wakefield Collection Company on XX/XX/XXXX. I called them on XX/XX/XXXX to get information on the medical provider with date of service, detail on charges and proof of insurance billed and paid as I needed this to pay the amounts as executor. They said I had to file a dispute with them to get the information. I did the same day and I proceeded to send XXXX emails, multiple disputes and phone calls. I received bill copies from them on XX/XX/XXXX ( with a letter from them dated XX/XX/XXXX ) and the amounts and insurance didn't make sense. I now had the medical provider information so I called them. Wakefield had the wrong date of service on their bill, they showed XX/XX/XXXX, and wrong dollar amounts. Provider is going to send me correct bills so I can review and pay, they said it will take 7 days from today XX/XX/XXXX. I notified Wakefield but I'm filing this complaint against them for harassment and improper billing.
Product: Debt collection

This is the second XXXX XXXX XXXX XXXX XXXX home security system collection company I do not owe this money I made a change of address they made a mistake I followed up with the service I do not understand why they charge thousands of times and they assured me that there was no debt and they are sending me to collection i try to call direct to XXXX XXXX but the fool me is too much
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 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 XXXX XXXX Balance {$160.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$4000.00} XXXX XXXX XXXX Balance {$32000.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$19000.00} XXXX XXXX XXXX XXXX XXXX Balance {$2400.00} XXXX XXXX  XXXX XXXX XXXX Balance {$39000.00}
Product: Checking or savings account

My husband spoke by phone with XXXX XXXX who was supposedly with Sterling Banking XXXX on XX/XX/19 about opening a {$250000.00} CD with him because they had such high interest rates ( 3 %. ) He emailed us the forms we needed to fill out and fax or email back to him. I filled out the forms because we were approaching the deadline for the 3 % rate. We had a couple of questions about the form so I called the number on the form he gave us and I got the message that the number was not valid. I thought the form was old so I looked up a current number online. I was on hold 25 minutes and while waiting, I noticed the bank was mostly located on the east coast : NY, PA, etc. The first question I asked the rep was if the fax number on the forms was correct since the phone number was wrong. He told me their forms were all filled out ONLINE, not on paper. There was nothing faxed back. I asked for the correct web address for their bank and he gave me XXXX. We then started checking : First, XXXX XXXX 's website is not " secure. '' Second, his email is XXXX  and is " international. : Third, his " bank '' is located in California. We almost sent him all of our personal information and {$250000.00} of my dad 's retirement money. He seemed so legit on the phone. Scary!
Product: Debt collection

THEY BREACHED HIPPA I called the credit company GLA COLLECT, in order to get some basic information after about the debt and how I could possibly owe any amount of money, first they refused to send a written notice. Then after I asked what address did they sent the original 30 day notice to, they sent it to a house I havent lived in in a completely different town!!!!! Not only did they completely fail to give me a notice, they sent the original to the wrong place AND on top of that breached my right to privacy through my health care provider, this is unacceptable and if changes arent made further action will be taken.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I had I have fraudulent accounts on my report please remove these accounts from my report. They are hurting my abilities to obtain credit.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer. 

I have disputed and asked Experian to remove all incorrect addresses and accounts They responded in XXXX minutes without conducting an investigation. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have a Synchrony Bank Carecredit card. I originally got it for a XXXX  to have XXXX and to pay for Veterinarian costs. The limit on the card is {$12000.00}, and I didn't realize that they opted me into a protection thing of some sort that costs money based on the balance of the card. I called repeatedly to ask them via email to discontinue this well over a year ago, multiple times, and have emailed multiple times, but the emails bounce back to me. When I call I am placed on hold for long periods of time, never able to talk to a human before I hang up out of frustration. I have even resorted to a third party email service that contacted them on my behalf, and verified the email was received by them months ago ... with no response. There is no option in my account settings to cancel this " feature '' and it's costing me XXXX  per month that I do not wish to pay. I wanted it cancelled almost immediately after getting the card, and have been trying to do so for months, at this point, a year or more. I want these charges reversed, and all interest from them removed as well, since I am unable to cancel this myself via the web, and apparently need to speak with a human that works there, who is apparently not available to me in a reasonable time. I view this as theft of XXXX  of dollars at this point.