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

On XX/XX/year> I sent out letters to 2 of the credit bureaus about a few inaccurate things listed on my credit report due to identity theft and the inaccurate information has yet to be removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 I filed a complaint disputing information on all 3 of my reports ( ID XXXX, XXXX, and XXXX ). As of XX/XX/2023, little to no information has changed. In fact, XXXX of them are still open. 

Also, in accordance with 15 USC 1681b : ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

AS WELL AS 15 USC 1681c : ( a ) Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

I have NEVER given my consent for any company to report to my credit report, nor do these reporting agencies legally have the right to be reporting negative information to my report. Do to the fact that there is STILL such and abundance of negative information being reported to my reports, I have been denied employment, and the ability to acquire credit. 

As a final mark against them, my XXXX XXXX XXXX XXXX XXXXXXXX files have all been locked ( see attached ), so how these agencies verified any information if subject to question.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, which you claimed were verified. Since I believed you didnt properly investigate my dispute. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the following accounts from my file. 
XXXX XXXX XXXX XXXX Balance : {$8.00}, XXXX XXXX XXXX  XXXX Balance : {$180.00}
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I have been set to a status of Delinquent by Aidvantage because my payment has been reversed despite my bank always being the same since I was in college. I have enough money to pay. 

I have a history of attempts to pay on their website but no payment has gone through and now I am in deferment. I just want to pay it off and can't.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute these accounts XXXX XXXX and XXXX fraudulently opened in my name. also, XXXX XXXX XXXX and XXXX inquiries. I am a victim of identity theft. Please provide proof of claim with evidence that you have legal and lawful authority to collect? 1. Validation of the debt ( the actual accounting ) 2. Verification of claim ( a sworn affidavit or signed invoice! ) 3. copy of the contract binding both parties. Failure to substantiate the claim, please settle account immediately. Im challenging this account with XXXX, XXXX XXXX  XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). I will also file a complaint with the Attorney General. I will further pursue all of my legal remedy without further notice to XXXX XXXX, XXXX, XXXX and XXXX. Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S.C. 1692g ( b ). I have attempted to resolve this matter formally before filing a complaint and lawsuit! 
Please provide three things : 1. Validation of the debt ( the actual accounting ), and 2. Verification of claim against me ( a sworn affidavit or signed invoice! ), and 3. A copy of the contract binding both parties.

I would be happy to pay any financial obligation I might lawfully owe as soon as these three documents are received. Im challenging this account with XXXX, XXXX  and XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete accounts immediately.
Product: Debt collection

Some of my medical bills from XXXX XXXX XXXX from XXXX were sent to a debt collection agency - Apex Asset Management. I never received the bills because XXXX XXXX sent them to a non-existent address. I only recently became aware that there was debt outstanding. I have paid all outstanding debt to Apex, but they are still billing me for paid debt. On XX/XX/XXXX, I received a summary of unpaid charges from Apex Asset Management in the amount of {$340.00}. There were three charges : Reference Number XXXX {$300.00} Reference Number XXXX {$19.00} Reference Number XXXX {$20.00} The {$300.00} was previously paid. I sent the company a check for {$40.00} to cover payment for two of the items and I sent them proof of payment for the {$300.00}, including a confirmation number for the payment. 

I called them on XX/XX/XXXX and was informed that the {$40.00} was applied to the XXXX and that I still had an outstanding balance of {$260.00}. I resent proof of payment for the {$300.00}. Today ( XX/XX/XXXX ), I received a new bill from Apex indicating that I still owed {$40.00}. That is incorrect. They are fraudulently billing me for items that were already paid. They also indicated that I entered into an agreement to pay them {$40.00}, which is false and fraudulent. I never agreed to pay them any additional money because my bill was paid in full. Yet, they are still billing me for the {$40.00} that I already paid.
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Security Credit service has violated my consumer rights which the penalty would be {$1000.00} if when I seek ligation. They never sent me a notice of this so called debt they say I owe them. After speaking to a lawyer they told me I have the right to dispute this debt before this was place on my credit report. I have no problem sending this case to a lawyer receiving {$1000.00} or more if this account is not deleted in 10 days
Product: Vehicle loan or lease

XXXX I returned a XXXX XXXX i purchased due to mechanical issues. I gave a {$6000.00} down payment for an XXXX i took home to test drive until financing could be secured. The vehicle had a safety recall and crashed. Financing was never finalized on XXXX  They sent demand letter for car rescinding any tranasction due to inability to provide sufficient proof of income. Applied to XXXX lenders for financing. even after car was back in their possesion. My ins. company issued payment to them and they kept my downpayment.
Product: Mortgage

On XX/XX/XXXX my home equity loan was sold by XXXX XXXX to Rushmore Loan Management Service ( " Rushmore '' ). The amount owed was paid in full on/or before XXXX, XXXX. As a matter of fact, the amount was overpaid and Rushmore refunded the difference. On XX/XX/XXXX, Rushmore sent correspondence requesting a payoff fee {$200.00} to close the loan and cancel the lien.

Your attention to this matter will be greatly appreciated. Please advise.
Product: Checking or savings account

I suddenly lost access to my HSBC US account in late XX/XX/. The error message displayed was " User suspended, '' instructing me to contact customer service for assistance. Consequently, I immediately reached out to HSBC US and was informed that my account was under review, with a request to patiently wait. No specific reasons were given, just an instruction to wait. I am well aware that my actions have not violated any rules or regulations, and all the funds in question have a legitimate and transparent source. They are all my own funds. 

After approximately a week, I inquired with HSBC US again, and they still did not provide any reasons, citing that it was confidential and asking me to continue waiting. During this time, I repeatedly contacted HSBC US, but I received no clear information or resolution. My account remained inaccessible, and my funds were trapped, leaving me unable to use them.Due to having some funds in HSBC US and an urgent need to make a credit card payment to HSBC US, the account lockdown has rendered me unable to process the payment. This has almost led to a late payment and the potential for a negative impact on my credit score, which is causing me significant distress.

I feel that HSBC US is unfairly discriminating against XXXX customers, locking the account without any justification. It has now been nearly XXXX months, and I have reached the limits of my patience. I am requesting assistance in resolving this issue.
Product: Credit reporting or other personal consumer reports

I want the account removed from my reports at the 3 credit agencies within 72 hours of this complaint. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered CPA to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information given to another company. I want the account removed as I will be getting an audit done if not removed within 72 hours from all 3 credit agencies. I also filed a FTC report on this account as this is not my account. 

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

I have Requested from Experian that this inaccurate information from XXXX, XXXX XXXX XXXX XXXX, be blocked and removed from my credit report. I believe all of these are result on my credit report due to not only one breach but 3 different breaches including the national breach, XXXX XXXX and XXXX of my personal information. I received an email and a letter from XXXX XXXX about a breach, but they told me 6 months after they found out. I continuously have information that pops up on my credit report that is fraudulent and inaccurate. I have sent detailed information including a credit report along with all required documents to experience for this information to be removed. I filed an FTC report number # XXXX the inaccurate information on my report is fraudulent as a result of I'm sure more than just these three breaches.
Product: Credit card

Subject : Pending Refund Issue Dear Target Executive Department, I am writing to let you know about the pending refund issue. Despite sending multiple emails and conversing with your representatives via the online chat feature, I am still waiting to receive confirmation of the refund process or the issuance of refunds. I was assured that the refunds were either in progress or already processed. 

It has been several days since these assurances were made, and I am still waiting to receive updates or confirmations regarding the refunds. Furthermore, subsequent follow-ups have yet to yield any new information. 

I would like to know why the refunds have not been correctly credited to my account, especially considering that all returns have been duly confirmed on your end. 

The tracking numbers and corresponding amounts for the pending refunds are as follows : Tracking Number XXXX - Order Number XXXX - Envelopes returned {$1.00} Tracking Number XXXX - Order Number XXXX - Soaps returned {$6.00}, {$6.00}, {$4.00} Tracking Number XXXX and Tracking Number XXXX - Order Number XXXX - {$5.00}, {$8.00}, {$5.00}, {$5.00} Order Number XXXX - Tracking Number XXXX - {$10.00} Order Number XXXX - Tracking Number XXXX - {$9.00} Order Number XXXX - Tracking Number XXXX and Tracking Number XXXX - {$3.00}, {$4.00} Order Number XXXX - Tracking Number XXXX and Tracking Number XXXX - {$14.00}, {$6.00} Order Number XXXX - Tracking Number XXXX - {$7.00} Order Number XXXX - Tracking Number XXXX - {$3.00} Order Number XXXX - Tracking Number XXXX - XXXX - {$20.00}, {$15.00} Order Number XXXX - Tracking Number XXXX - {$24.00} Order Number XXXX - Tracking Number XXXX - {$6.00}, {$3.00} Order Number XXXX - Tracking Number XXXX - XXXX, XXXX - {$5.00}, {$3.00}, {$5.00}, {$3.00}, {$2.00}, {$9.00}, {$3.00}, {$6.00}, {$3.00}, {$5.00}, {$4.00}, {$12.00} Order Number XXXX - Tracking Number XXXX - {$15.00} Order Number XXXX - Tracking Number XXXX - {$3.00}, {$2.00} Order Number XXXX - Tracking Number XXXX - {$14.00} XXXX look forward to your prompt attention to this matter and await your response regarding the status of the refunds. 

Thank you so much for your help. 

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

I kindly request that you block this information from my credit report within four business days, pursuant to section 605 of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only two are required per law. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Mortgage

XX/XX/XXXX - I paid my property taxes on two of my mortgages out of my pocket. 

XX/XX/XXXX - I called the mortgage company and explained that I inadvertently paid the property taxes myself and requested not to pay my XXXX property taxes but to refund me the money instead. The agent said they would submit a ticket to request the escrow department not to pay the taxes. 

XX/XX/XXXX- I made almost four calls to confirm the property taxes were not paid and that the refund would be sent to me for the property taxes. Every agent confirmed it was being worked on. 

XX/XX/XXXX - I hadnt received my check, so I called again only to find out they had paid the property taxes. I was told to wait while they conducted their investigation. I spoke to someone in customer complaints, and she said she noted the file to get the issue resolved. That resulted in nothing being done. 

XX/XX/XXXX - I called to inquire about the status of my property tax refund and was escalated to a supervisor who assured me they would personally submit a ticket to obtain the refund because it was determined that the taxing office never accepted the payment from the servicer, given that the property taxes were already paid. 

XX/XX/XXXX - I called and spoke to another supervisor who said the prior supervisor never submitted the ticket to obtain the refund. 

XX/XX/XXXX - A new supervisor said he would personally work on it. I requested my funds be returned immediately because he also confirmed the payment never went to the taxing authority. He said he would follow up and email the tax division. 

XX/XX/XXXX - I followed up, and the supervisor said he was still working on the issue and waiting on the tax department. 

At this point, Im frustrated, unemployed, and unable to feed my family due to these lies and lack of research. The money has to be in a suspense account if the taxing authority never received the money. They continue to lie, causing me immense stress. 

They have over {$13000.00} that they can not find, which should be in my escrow account. The process and lies I have been told are unacceptable. I want my money for my taxes and compensation for my time and the interest I could have earned on my money. They need to learn to read notes from the initial call made or find a way to flag their system. I NEED MY MONEY TODAY!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX,2019 ; XXXXXXXX XXXX,2019 ; XXXX XXXX,2019 ; XXXXXXXX XXXX,2019 ; XXXX XXXX,2019 ; Tried resolving directly with companies. I have previously had identity theft before
Product: Credit reporting or other personal consumer reports

Apologize kindly stop or paused all the disputes I made today. Thankyou
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 regarding my lost funds are impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protected consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Sent certified mail XX/XX/XXXX credit account doesnt reflect I am disputing anything. My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information. 

Experian committed unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by failing to convey consumers ' disputes to furnishers fully and accurately, and instead distorting, truncating, and mischaracterizing consumers ' disputes ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to place a Credit Freeze with XXXX this evening. I followed the process and supplied all of my personal and private information including my credit card information for the {$10.00} fee and was charged for absolutely NO SERVICE by XXXX. 

Should n't XXXX be paying this fee as they are responsible for the breach and should n't this service be FREE as half of the tax-paying citizens private credit files of the USA were breached? I also thought this service was free to victims of identity theft?
After submitting all of my information, and after being charged {$10.00}, I was informed that my request could not be processed and that I would need to call in " during business hours ''. Should my {$10.00} have been refunded immediately if said service could not be provided? Should I pay at all due to my credit file being exposed?
This breach is an insult to the hard working citizens of the USA and a profit center for the other two credit reporting companies. There should be absolutely no charge to place a freeze of all three credit files instantaneously due to this breach with XXXX picking up the entire tab ( namely their three executives who excersized sizable stock options knowingly ).
My hope is that the CFPB takes a strong punitive stance on this issue.
Product: Debt collection

Seized my car. Debt was XXXX. Continue to threatened me.
Product: Debt collection

I have been repeatedly harassed by the debt collection agency XXXX XXXX XXXX XXXX. They have impersonated themselves to be legal attorneys demanding that I resolve a presumed debt that is XXXX the amount of what I owe the original pay or, they have harassed previous employers of mine seeking out information to attempt to contact me, they have additionally harassed my relatives and residents of prior living locations. When I called to speak with them regarding such debt that was owed to Speedy Cash but unfortunately defaulted, they are demanding I pay over XXXX or risking court involvement when the original amount due was just over XXXX. I have been at risk of losing my employment due to such harassment techniques and demanded for them to stop. I asked for their information of their company to explore legal guidance of my own given the distress caused by such situations they have put me in and the representative gave me a fake name XXXX XXXX XXXX. I had to contact Speedy Cash directly to obtain the real name of the collection organization. I just want this harassment to stop. 

Example of harassing voicemail included below : XXXX XXXX this is XXXX XXXX for contacting you once again in regards to your claim number is XXXX XXXX XXXX XXXX XXXX XXXX. We've reached out to you several times over the past few days and all correspondence have been ignored at this point. We have now verified your commercial as well as several residential locations locations. Understand you do still have the right to make contact with the office handle in your claim I will provide that information once again, so there's no way that you can stay XXXX that you had no prior knowledge of this matter The number provided is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Voicemail is one of many received. This one received on XXXX/2024 at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently informed of negative information reported by XXXX  XXXX XXXX included in the file ChexSystems maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a UNPAID Charge Off Amount in XX/XX/2017. 
I am unaware of ever having an account from This Bank. 
Please validate this information with XXXX  XXXX XXXX and provide me with copies of any documentation associated with this " UNPAID Charge Off " bearing my signature.