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

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXXXXXX XXXX reported XX/XX/year> 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

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

Credit bureau refuses to conduct proper investigation of accounts I have disputed. I have dispute accounts on my credit report multiple time since XXXX of 2020 for inaccurate reporting. On my last 2 disputes I clearly requested that I be provided proof of the methods used to verify my accounts and I was not given them. Where is the proof? what documents were used? Who did they speak to? where is a copy of the certified mail receipt? I was given nothing that I asked for. Equifax has continuously reported inaccurate and unverified information on my credit report that has significantly caused harm to my family and I and I refuse to take this matter lightly. I demand that these accounts be removed from my credit or that I be given the proof that I asked for. Also the credit bureaus claims the the furnishers sent me the documents that I requested and that to is a lie. I have received nothing via mail or by email. I have attached both of the letters that I sent specifically request proof or that the items be removed.
Product: Money transfer, virtual currency, or money service

Im submitting this claim to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allow repeat offenders to exploit the system, leaving user vulnerable for scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Hello, I apologize as none of above options refer to me. I had never created any debt, and became victim of unreliable and incompetent costumer service. Here is my story. 
In XXXX I traveled I took frequent trips back home to XXXX due to attend to my mother after her accident. It seemed unreasonable to continue my cable plan with XXXX XXXX XXXX which services I was using since XXXX. I called them and spoke with the costumer representative. I explained my situation, requested for the cable to be canceled and continue my plan with only internet service. I was told it was fine and that my account would be updated. I left the country couple days later and spent almost a month with my mother in XXXX. Shortly after I returned I was surprised with XXXX bill, almost triple more then what I was told I would be paying for internet only. It was almost double of what I used to pay for both internet and cable, before I canceled cable. I called them to clarify. I was told that my rate increased because previous cable rate was a promotional offer which expired, and the regular rate kicked in. I explained that I canceled my cable plan before going away, but the representative could not find any record of it, requested my information and said someone will call me to sort it out. I got voicemail from some woman next day, but when I returned the call, I was placed on hold for a long time. when i finally reached someone, our conversation was disconnected. As I provided my contact info at the beginning, I assumed I will be called again. I got voicemail again next day. I Attempted to call back, but gave up after being placed on hold for almost 30 min. My issue was never resolved, my lease was also up and I decided to move to XXXX. I called again to cancel my entire plan as XXXX does not provide services in XXXX, NY. I switched to XXXX. I covered my last internet bill and returned XXXX equipment couple weeks later. That was in XXXX XXXX. I have not heard anything from them since then. I did not receive any mail from them, or any collection agents. In XXXX XXXX I noticed my credit score decreased significantly. I requested copy to find out why. I learned that collection procedures were now affecting my credit. I went ahead and requested dispute with XXXX, XXXX and XXXX, I explained everything just as I am now. Within 30 days all XXXX companies removed incorrect collection account. My credit went back up. I was convinced this nonsense was over. On XXXX XXXX I received alert from XXXX, my credit dropped XXXX points due to new collection account. It is different company this time " Enhanced Recovery Co, LLC '' -- the original creditor is of course XXXX. I disputed this again with XXXX since I have account with them and pay for it monthly. I do not want to spend another {$40.00} for reports with other companies. I already went thru all this back in XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I do not recognize this address please remove. XXXX XXXX XXXX XXXX XXXX, RI XXXX
Product: Debt collection

I respectfully request your offices provide me with competent evidence that I have ANY legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to ANY of the 3 credit reporting agencies ( XXXX XXXX and or XXXX ) this action may constitute fraud under Federal and State Laws. Due to this fact, if any negative marks are found on ANY of my credit reports by your company that you represent, I need them removed from all 3 credit reporting agencies. I also need documentation stating you removed the item from my reports.
Product: Debt collection

I received a letter from a Collection agency, TRANSWORLD SYSTEMS INC., on XX/XX/XXXX for a bill of {$19.00}. When I called the credit agency I was not given any information as to how to contact XXXX who sent this bill to a collection agency. Apprarantly it is for rental of my XXXX equipment for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. My complaint is that I have never received a bill from XXXX for this bill yet they forwarded it to a collection agency. If they could give my address to the credit agency they could have contacted me at some point during all these months. If they tried to mail me the bill I have never received XXXX. I always pay my bills so I resent them ruininng my good credit because they failed to send me a bill. Apparently this is the difference in what my insurance company at the time XXXX did not pay. Had I been sent a bill I would have promptly paid it. If you check my credit you will see I have paid much larger bills than this XXXX and always paid on time. I will pay the bill but I would like for XXXX to be aware of my complaint and if they say they have tried to send my a bill I would like to see proof of that. I would appreciate any help you can give me in this matter, I am sure I am not the only person this has happenned to. 
Sincere XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Ive been trying to resolve an error on one of the credit account on my credit report for over a year now. my XXXX account has been falsely showing that it was charged off. This account was never charged off and I actually paid this account in full on time. Ive disputes with XXXX and they responded to me by saying they are not reporting my account as charge off and that this is an error made by the credit bureaus. Ive disputed with XXXX, XXXX, and Transunion and they all refuse to update the account to the correct status. This account is still to this present day causing my score to drop and I need this fixed asap. Its incorrect and has contributed to the difficulties of getting approved by any lenders for any type of financial loans.
Product: Mortgage

Friedman Law Associates contacted me and said they could help me get a loan modification to avoid foreclosure on my house. We scheduled XXXX payments to be drafted from my bank account for {$970.00} which they presented as money that went to my mortgage but I later found out it was retainer fees. After speaking with the mortgage company they told me I did not need an attorney and they would help me with my mortgage. I then changed my mind about using the attorney for a loan modification after they had already drafted XXXX payment of {$970.00}. I asked them to please return the money since I chose not to use their services and they will not return the money. Losing {$970.00} is devastating to me as I need that money to put towards my mortgage. I would like the {$970.00} returned to me as I do not think it is fair for them to keep all of that money when I am not using them for a modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian, XXXX and XXXX showing inaccurate inquires now they wont let me check my credit online to fix these issues
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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

My account with 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 60 days 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 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 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 8
Product: Checking or savings account

Back in 2020 I opened a checking and savings account deposit XXXX dollars between the two accounts which is XXXX dollars upon opening the accounts and they claim they have no record during the pandemic no one was allowed to walk in so I had no way to speak to anyone and when I called they will give me appointment walk in to speak to someone and this went on until now they said they can't find my account and nevered sent me my funds back ....
Product: Consumer Loan

XX/XX/XXXX I purchased a vehicle from a dealer. they financed the car through flagship credit, I mad my payments ok for awhile, even though it was a struggle.i told the dealer what I could afford, but payments were higher. in XX/XX/XXXX my husband had a XXXX, about 6 months later we were told that he had XXXX, through all of this I have been receiving harassing phone calls, even after I make arraignments to make a payment. recently I was XXXX short on a payment. 
was told by the representative that it did n't count as a payment. told them when I coluld pay more, after that I kept receiving phone calls harassing me about the past due payments.i get numerous call every day. they wont even give me someone to talk to to discuss refinancing to make payment smaller. my husband is also XXXX, it is to much to deal with, but we do n't have money for another vehicle, I am so stressed all the time about the bills and possibly losing my car
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many 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 items which is found to be fraud 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. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : - XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX. XX/XX/XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my letter dated XXXX XXXX, 2017, I requested this credit repository to conduct an investigation on a couple of items reported incorrectly particularly Bankruptcy CHXXXX ref # XXXX. Apparently, despite the incorrect status and despite this item not associated with my social and date of birth, this credit repository insists that these pieces of information were verified. I was able to verify with the court that the item was withdrawn XX/XX/XXXX. More than 40 days had passed and yet this company continues to report this incorrect item.
Product: Debt collection

This is NOT a request for verification or proof of my mailing address or any other personal identifiers, but a request for XXXX made pursuant to the above named Titles and Sections. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, Experian, and XXXX XXXX ) ; this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act and Defamation of Character. It would be constructive for you to note that the FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) states : " a consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. The can not be verified is the key phrase, as you can see. Since I challenged you and your staff to verify, and you can not, that means all financial institutions and credit reporting agencies concerned with my account are required to remove any derogatory information. It can not be deemed accurate if it can not be verified. If it can not be verified, then it is required to be removed, according to the FCRA. 


Account name XXXX XXXX Account # : XXXX. 
Date Opened : XX/XX/2023. 
balance : {$6500.00}
Product: Credit card or prepaid card

Citibank and Best Buy Card services never cease to amaze me. I submitted a complaint as they marked me past due 30 days each for months in which I was repeatedly advised no payment was due as the attached documentation show an obscene amount of communication and this is only through messages which they have since disabled on my profile. I also a multitude of phone calls logged many of which they are stating they have no notes for which is not my issue. They advised initially allow 1-2 billing cycle for correction after that period had passed I was advised it was accurate which we both was not so I provided all correspondences from them at which time they changed their tune and sent for correction on 1-2 of the credit profiles than it was never fixed on the last profile. Than they stated they fixed it but it never got fixed confirmed with credit bureau and executive office. The account was also closed despite 6+ years of positive history after I provided notice of my wallet having been lost, with a bank memo and police affidavit since they returned it to my door when found months later. I advised that the account previously enrolled for payments was cancelled and needed to update they stated they could not assist so it on the web which I did though each time it was processed it kept stating website was undergoing routine maintenance. The card was closed important to note there were also two open disputes much of which for what the balance on file was even attributed to one of which has since been resolved in my favor no surprise 6 months after filing I might add and the other was cited to have been processed inaccurately online and subsequently processed inaccurately by the reps via phone then when I followed up with the inquiry I was advised the dispute window closed so there was no recourse of which I have been paying on this entire time for a balance that is 100 % in dispute but I sucked it up because its exhausting and Ive tried everything to fix.

Then as a result of the prior complaint insurmountable proof the company advises they have rectified the reporting of the account as never late yet it remains, I received correspondence citing congratulations the account has been reopened so finally after a year I figured I was finally getting somewhere and they were making good on the previous mistake and poor service. I no longer had this card so I called today to request a new one after 1 hours and 27 minutes on hold 3 departments 2 reps and a supervisor I was advised no new card would be sent the account Im closed and my credit still showed a 30 day and only one of the two was being fixed which makes zero sense on multiple levels the first of which it was originally a 2 month billing cycle extension and my account was placed in a dispute status with no payment due because you dont collect payments on a disputed amount second you sent me two different correspondences stating not only was the account updated as never late but the account was reopened the one account was even entitled subject account reopened as pictured below
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed several billing mistakes. The late payments do not reflect my typical payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX continues to report a default from over 20 years ago. 
They need to remove this all together
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three accounts with Comenity ( Bread Financial ) that have not been accurately reported since XXXX of 2022. I have disputed this information with the credit bureaus and have yet to receive a response. It is showing I still have balances on these accounts impacting my score negatively. Today I have attempted to send a message and I keep getting an error saying there was a " glitch '' that my message couldn't be sent. One of the accounts has been closed since XX/XX/XXXX and they have not updated my report to reflect this either. Comenity also refuses to answer there phone lines it seems as I have waited hours multiple times to have this resolved.