23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

They have not remove these negative debts or collection on my account that I have reported. I have constantly told them that it wasnt mines and they still talking to the third party and still having these unrecognizable charges and collection on my account without my consent.. its messing me up and Im am tired of trying to tell them and they are not fixing it I want them accounts deleted immediately
Product: Debt collection

Approximately two years ago, some accounts linked to my name were reported to XXXX and XXXX. I informed both agencies that I had not received any notification from Rocky Mountain Professionals by mail about these accounts. As a result, the said accounts were subsequently removed from my credit record.Last month, I received another bill from Rocky Mountain Professionals with added accounts and detailed transactions up to XX/XX/2023. Upon contacting your office on that date, the representative I spoke with introduced herself as a debt collector and mentioned that our conversation might be recorded. When I inquired if it was indeed being recorded, she confirmed in the affirmative. I then proceeded to explain that the bills from XXXX XXXX and XXXX XXXX were disputed due to a lack of prior notice, a reason recognized and acted upon by the credit reporting agencies.I formally requested a detailed breakdown of all accounts, a request which was made XXXX days ago. However, on today 's date, XX/XX/XXXX, another representative contacted me, seeking clarification on which account breakdowns I was referring to. After I reiterated my request for a comprehensive breakdown, he informed me that I would have to wait an additional 14 days.Given that Rocky Mountain Professionals is located less than XXXX miles from my residence, and considering that I've already waited for XXXX days, I find the further delay of 14 days to be concerning.
Product: Checking or savings account

Between XXXX and XXXX, our business account 's bill pay feature was hacked and XXXX separate transactions went through that were not authorized ( see below ). We immediately reached out to Wells Fargo to alert them, and they began their own investigative process. After their review, they rejected the fraud claim on the basis that it was through their secure XXXX XXXX feature. We have never used the XXXX XXXX feature in the past or since this unauthorized use, and the credit card associated with the transactions is under a name ( XXXX XXXX ) that has never been associated with our business or the business address. In addition, our account had been flagged for numerous fraud attempts earlier in the summer and spring. We provided additional documentation to appeal Wells Fargo 's initial decision, and they rejected it once again. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

As I predicted ( XXXX ) my credit score just dropped XXXX points directly due to Cit 's unwarranted reduction of my credit line. After bombarding me time and time again with offers to utilize my available {$5400.00} credit card, I utilized {$3300.00} to pay off another credit item. XXXX  days later the immediatly lowered my credit line. This will now create a domino effect that can impact all of my credit lines. This I believe is the " intended consequence '' of such actions and it should not be ignored. Please help to make this right. There was no logical reason for them to lower the amount available as nothing else has changed in my income or credit profile. I just want them to restore back to the initial credit limit that i have had for the past XXXX years. Thank you.
Product: Credit card or prepaid card

I was scamed out of money for a person a thought was a person turned out not be for XXXX XXXX dollars around XXXX of last year it was inter net dating  on line Im having a rough time paying things because of it at times
Product: Credit card

In XXXX of 2024 I had a wedding in XXXX when I arrived I was told my charges did not go through as well as I wasnt given the services I paid for I then told the hotel Im gong to dispute the charge and pay with another card, I disputed the charge and gave a lot of proof with pictures emails statements and navy federal refused to investigate and refused to answer questions regarding the decision my account then became over the limit and fees began to pile on. Then then began taking the money from my checking and saving to cover the cost. When I asked for proof of their finding I was sent pictures that didnt match my story now my credit is really bad and I am in a financial situation.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX, XXXX, XXXX, AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX names address and accounts not mine filed to FTC XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, KS XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, KS XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$440.00} written off. {$440.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$440.00} Date XXXX Dispute XXXX XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusPaid in settlement. {$450.00} written off. 
Account TypeCredit card Balance- Date XXXX Dispute DEPT OF EDUCATION/XXXX  XXXX potentially negative icon Potentially Negative StatusTransferred, closed. 
Account TypeEducation Balance- Date XXXX Dispute DEPT OF EDUCATION/XXXX  XXXX potentially negative icon Potentially Negative StatusTransferred, closed. 
Account TypeEducation Balance- Date XXXX Dispute DEPT OF EDUCATION/XXXX  XXXX potentially negative icon Potentially Negative StatusTransferred, closed. 
Account TypeEducation Balance- Date XXXX Dispute DEPT OF EDUCATION/XXXX  XXXX potentially negative icon Potentially Negative StatusTransferred, closed. 
Account TypeEducation Balance- Date XXXX Dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed an ( XXXX XXXX ) account on my credit report. Initially, it was deleted, but Transunion keep re-installing the debt. This has been going on for the past few months. I keep disputing, they keep deleting and re-installing. This cant be legal, once an item gets deleted it should stay deleted. This is constantly hurting my credit score every time they add new negative items to my credit report. Please help me with this matter. I have attached proof showing that the account was deleted and re-installed. The most recent date is XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 4 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 
Please delete the follow inaccurate names : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX Please delete the following inaccurate addresses : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX GA, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX SC, XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX  XXXX GA, XXXX XXXX. XXXX XXXX XXXX XXXX GA, XXXX XXXX. XXXX XXXX XXXX XXXX GA, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX SC, XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX GA, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  GA, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX SC, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX SC, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX SC, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX SC, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX SC, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX SC, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX SC, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  GA, XXXX XXXX. XXXX XXXX  XXXX XXXX GA, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX SC, XXXX XXXX. XXXX XXXX  XXXX XXXX GA, XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX GA, XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX GA, XXXX Please delete the following invalid telephone numbers : XXXX. ( XXXX ) XXXX XXXX XXXX. ( XXXX ) XXXX XXXX Please delete the following inaccurate employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions to the consumer to whom it relates. 

XXXX, XXXX, and EXPERIAN have in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and I a great deal of injuries. Furthermore, I am filing this consumer complaint and consumer check for compliance with these items that you are reporting under FACTA Title 1 sec. 151.
Product: Payday loan, title loan, or personal loan

I went to a website about loans and somehow it was directed to this one, a couple months later {$1200.00} was in my bank account from them. I thought ok Ill pay it back easily. Now they want 18 payments of {$270.00} a month with an interest rate of 542.96 %. How can this be legal. I called them, they were No help on the phone and every day they are charging me {$20.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated that they will start removing XXXX XXXX of XXXX XXXX. As a gesture of goodwill, I am pleading with Experian to remove this account from my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion, I am writing to dispute the following information that appears on my TransUnion XXXX report : Dispute 1 Account Number : XXXX Source of dispute information : XXXX XXXXXXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : o XXXX the victim of identity theft and I dont recognize one or more  of the accounts on my report. 

Dispute 2 Account Number : Source of dispute information : XXXX XXXX XXXX XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Dispute 3 Account Number : Source of dispute information : XXXX XXXXXXXX XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : XXXX the victim of identity theft and I dont recognize one or more of the accounts on my report. 

Dispute 4 Account Number : XXXX Source of dispute information : XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : XXXX the victim of identity theft and I dont recognize one or more of the accounts on my report. 


Dispute 5 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : XXXX the victim of identity theft and I dont recognize one or more of the accounts on my report. 


Dispute XXXX Account Number : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Dispute 7 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX XXXX Type of disputed information : Lease Dates associated with item being disputed : XXXX XXXX, XXXX Explanation of item being disputed : Dispute 8 Account Number or other information to identify account : Source of dispute information : Type of disputed information : Dates associated with item being disputed : Explanation of item being disputed : INQUIRIES  : XXXXXXXX XXXX : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I have attached a copy of my report with the accounts in question circled. ] Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

This account is in dispute. This is the 3rd collection agency who has contacted me and I have said this account is disputed an not owed. My insurance company made a mistake and these claims should have been paid to the XXXX XXXX ( XXXX XXXX ) 100 %. If anything is reported onto my credit I will be initiating a lawsuit regarding FDCPA, and FCRA violations. Not to mention opening a case file with the Indiana Secretary of State. I dispute this debt and wish that this company no longer contact me and close my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 I am being hit with a hard inquiry from Discover Card. 
This was fraud as I did not apply for another Discover Card as I already have an account. 
I was told this inquiry would be removed and still hasn't since It was fraud of someone trying to open an account in my name. 
XXXX and XXXX were also gon na remove it but still have yet to do so.
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 recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies my financial institution and zelled failed to investigate my claims adequately. They informed me reporting lost funds was impossible and that tracking these transactions was unfeasible. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy XXXX XXXXXXXXdismissed Reference # XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy
Product: Credit reporting

I have previously disputed address with Experian and it seems to never really come off. I am once again disputing address information which is and has not belonged to me. These following address 's please remove them from my credit report:XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, I have attached a letter of deletion from Debt Recovery service which I have previously sent to Experian and yet the collection entry still exist on my credit report with them. Please remove the collection entry and the XXXX address that I have previously asked you to remove from my credit report. I have attached the deletion letter, Experian credit report with the deleted items that needs to be removed circled. I have also filed a police report with the XXXX Police Department for ID Fraud and I have also attached that to this dispute. It is apparent that there is someone using my name and social security number.
Product: Money transfer, virtual currency, or money service

This was around XXXX. I was told by Wells Fargo. That XXXX or so was deposited in my account I didn't know about. I was told they took back the check. I emailed that my account had a negative balance. When I called to ask about it then told all about the money being deposited. Which I then disputed everything because I didn't know about it. I was told by Wells Fargo according to them I did deposit they money. I was out and owed them the money back. After at least 5 or so complaints to them, nothing they could do. Even after I did a fraud application and everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am showing a closed account on all 3 credit bureaus from XXXX XXXX XXXX. It is showing late payments from XX/XX/XXXX to XXXX of XXXX. I contacted XXXX to confirm the vehicle was returned to them in XXXX. I asked for documentation and they refused stating that this account was sold to XXXX XXXX in XXXX. I reached out to XXXX XXXX to get this documentation. The woman who answered took my email and never sent the information and while I was asking questions either was disconnected or she hung up on me. I called back and was forwarded to a voice messaging system. During this conversation, she did confirm with me that the account was closed in XXXX of XXXX by XXXX and they purchased it still in XXXX and renewed it in this year. I have attached the documentation I have.
Product: Credit reporting or other personal consumer reports

Address and Phone numbers on my credit report are not accurate. 

XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX Never lived at this address. 

Phone Numbers- Have no knowledge of these phone numbers. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section XXXX ( a ) Equifax and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3000.00} and XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$27000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.