23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, Equifax removed a collection account from my credit report from Company XXXX XXXX XXXX for {$200.00}. However, 7 days later, on XX/XX/XXXX, Equifax added this creditor back to my account after being unable to furnish proof per my request of the debt still being owed. This account is paid in full, and the creditor has indicated that they are reporting to Equifax that the debt is not owed. 

I certify under penalty of perjury and understand that if I make any false claims, I can be liable to federal consequences. Please accept this statement, indicating that I currently have no debts owed to the company XXXX XXXX XXXX, which is currently reporting on my credit report for {$200.00} and have furnished an attached letter showing that this debt is showing as resolved in all of their accounts. 

I demand that this be updated and removed from my credit report immediately, as Equifax is in violation of the Fair Credit Reporting Act, which requires them to report accurate consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit dropped 63 points with Equifax after I opened a new credit card. I want an explanation. A specific explanation. Not generalities.
Product: Credit reporting or other personal consumer reports

I noticed that there is an inaccurate bankruptcy reporting on my consumer reports with XXXX, Experian and XXXX. I disputed the bankrupcty with all XXXX consumer reporting agencies and XXXX deleted it because it was unverifiable. Since XXXX and Experian continued to report this inaccurate bankruptcy, I decided to reach out to the bankruptcy court to see if they were verifiying the inaccurate data and how were they verifying it. They responded with a letter stating that they do not report to the consumer reporting agencies or verify any information with the consumer reporting agency. 
This really didnt make any sense to me since Experian and XXXX stated that the bankrupcty court verified the information as correct. It is a violation of the FCRA to report unverifiable and information on a consumer report. Each consumer reporting agency is reporting a different reference number and a different court. XXXX was unable to verify this information so how was Experian and XXXX? This inaccurate reporting has caused tremendous damage to my consumer reports and my life so I am demanding this unverifiable bankruptcy to be deleted from my consumer reports immediately.
Product: Credit reporting or other personal consumer reports

XXXX is reporting two late payments. I have never been late. I have disputed this with XXXX and they have done nothing!!! not been able to resolve it. 
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.

In accordance with fair credit reporting this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC section 1681 section 604 it also states a consumer reporting agency can not furnish an account without my written instructions. Again this discover card has been reported late multiple times please delete!!! 


Also I requested debt validation letters from XXXX XXXX XXXX and XXXX XXXX  They just appeared as collections and have no clue of them I have been a victim of identity theft I have my credit file flagged and with a statement. They have not been able to provide the validation letter to me in writing with my signature and any agreement between me and them. I have disputed this with XXXX and all they do is say its validated however they dont provide the documentation that I have requested.
Product: Debt collection

XXXX XXXX XXXX XXXX calls, texts, and emails me regarding a debt owed by " XXXX XXXX '' to the XXXX. 

I have notified them multiple times that I am not this person, I do not know this person, etc. 

I have had my cell phone number for over 20 years, this debt is not mine. They state they will remove me, a month or two passed and they are back calling and texting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a document from XXXX  stating financial agencies that my name and social were involved with. I have no clue about this agencies. I am aware that I am a victim of identity theft. and I have no idea how to go about fixing this problem
Product: Credit reporting or other personal consumer reports

I am concerned about the handling of this account and have requested documentation from Toyota so I can review the handling of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has violated my privacy rights with aggravated identity theft. I have made multiple attempts with disputes and certified mail to have these violated resolved. Equifax continues to report NEGATIVE information without providing the documentation I have requested from their alleged investigation from my disputes. Instead, they sent me a letter asking for proof of my identity documentation. Therefore, proving their own claims of validity of the accounts FALSE. 

VIOLATIONS - 15 USC 1681a ( 2 ) ( A ) ( i ) - 15 USC 1681b ( a ) ( 2 ) - 15 USC 1681n - 15 USC 1681o - 15 USC 6802 - 18 USC 894 I am seeking {$13000.00} in damages due to the MULTIPLE violations for the accounts that you have acted on. This has triggered pain and suffering by emotional distress, risking my livelihood, mental health, and physical health. 

As stated above, Equifax has violated me with aggravated identity theft and continue to do so. 

I can not be forced to waive my rights as a condition of 15 USC 1693I. I have the right to opt out of non-affiliated third-party reporting. Equifax must disclose my right to opt out and has committed fraud, which has no statute of limitations. 

Equifax has within FOUR DAYS to remove ALL negative derogatory accounts AND inquiries. 

THIS IS NOT A REQUEST TO DISPUTE! THIS IS A DEMAND TO DELETE PER MY RIGHTS!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report.

I got notified of a collection account from the 3 credit bureaus about a debt collection from a company called XXXX XXXX XXXX. I do not recognize the company or have ever done business with the company. no debt validation letter was mailed to me or any details of how I got a loan through them. 
A debt validation letter was requested and none was ever sent and for this reasons I have the right to sue the bureaus for furnishing my account with unverified information which is affecting my credit and preventing me from certain benefits that require credits.

I request the bureaus take out this information on my credit score or provide me with the neccessary information that they have that suggest I have done business with XXXX XXXX XXXX and the collection account is mine starting from sending me a debt validation letter if they fail to provide this then they must remove the collection account from XXXX XXXX XXXX
Product: Debt collection

To whom it may concern, I trust that you are doing well. I appreciate your intervention in my previous concernswith complaint ID # : XXXX submitted on XXXX I madeefforts contacting the XXXX  companyto give me an itemized bill that explains what bill I owe and the staff who received the call told me that the matter is with the collection agency and can not have a discussion with me. From my credit reports, it is visible that I pay all my debts in a timely manner. Am not refusing to pay any debts I owe but I need to know what I owe since my services were prepaid and when I changed my service provider, XXXX  was contacted before starting a contract with the new provider and how I have any pending bills with them needs an explanation. On XX/XX/, I received a collection letter from a different collection company by the name ; Frontline Asset Strategies , LLC. I contacted them by phone and talked to a staff member who was very arrogant stating that I have to pay the bill and gave an example of XXXX XXXX that you can get a bill even after closing the account and had to tell her that XXXX XXXX XXXX  are post paid while phone services are prepaid. I kindly request your office to protect me from these harassmentplease. 
Thank you and I'm looking forward to your intervention. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Having been a victim of identity theft dating back 2 years ago, I have been fighting continued attempted use of my identity. I created a credit freeze with a PIN number with Experian, for which they charged me to do. Recently, someone was able to contact Experian pretending to be me, to have my email modified to an account which is not mine, but is a domain currently in use by scammers, XXXX. I have attempted to report the fraud that Domain is being used for without success. With that account they were able to lock me out of Experian, lift my credit freeze, apply for loans and credit in my name being able to easily provide my more recent details due to Experian 's lack of security and proper control. 

Experian offers no direct contact for consumers, but instead offers a circle of web forms and an automated phone system that takes you no where. I was finally able to contact a person through their business support side who after much discussion, was able to to change my email back, however I am still locked out of my online account. 

At the current time, I believe my credit freeze is back in place, but can not confirm that and I can not confirm that someone can not just take my account back over again. The system in use by Experian is severely lacking, ignoring PIN numbers and secondary verification in order make critical account changes. I believe their system is being widely exploited by scammers and identity thieves to exploit the XXXX XXXX XXXX relief loans due to the Covid19 crisis.
Product: Credit card

Hi, I was offered to apply for a JetBlue Credit card during my flight on Jetblue and was promised I would get XXXX points if I got a credit card with them. I applied but didn't get any reward points. So it was a bait and switch. I was also not told about {$99.00} fee. Then they didn't send me any mail or notices and I got a notice my payment was past due. I never even used the card, not even once. Now they want me to pay {$99.00} and also have reported my credit to reporting agencies as 80 days past due. This is complete fraud and not only now I have to pay and it has also affected my credit. 

I would really appreciate your help so these predator banks don't keep praying on consumers like me. 

kind regards, XXXX
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 the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial intuition and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking the transactions was unfeasible. The CFPBs 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

my name is XXXX XXXX on XX/XX/2017 I went to XXXX XXXX to purchase appliances and was told that If I applied for a XXXX credit I can get 3.99 % for 36 months on my {$10000.00} purchase of which {$8000.00} was charged on the store card. I made the purchase and when I received my bill I noticed that I was being billed 21.99 %. I went back to the store and advised of the error and the store Manager XXXX called the credit department and advised me the the issue was fixed. After a few More months and countless phone calls and visit to the store the issue is still not resolved. I called the credit department and Spoke to XXXX @ ext XXXX who advised me that she can see the account is noted and she can see that I was wronged but there is nothing she can do for me and asked me to hold. She put me on hold for an excess of 30 mins and never came back on the line.. 

This was unfair and deceptive practices bait and should be an illegal practice. XXXX XXXX is benefiting off the misleading information they gave me as a consumer. 

I can be reached at XXXX or XXXX XXXX XXXX CC act # XXXX XXXX XXXX XXXX issued by Synchrony Bank
Product: Credit card or prepaid card

I was in USA three times : 1.I came here as a XXXX student ( XX/XX/XXXX-XX/XX/XXXX ) .I oppened just a XXXX XXXX XXXX checking account and I close it at XX/XX/XXXX and left a country. 
2.I came here as I XXXX Student ( XX/XX/XXXX-XX/XX/XXXX ). I oppened just a XXXX XXXX checking account and I close it at XX/XX/XXXX and left a country. 
3.I came here as a tourist at XX/XX/XXXX and I am living here.I decided to open a XXXX XXXX checking account at XX/XX/XXXX. 

After a couple of mouths I find out information about credit reports and credit history and decided to check myself and I found some issues.According to credit report these account was opened when I even dont have a visa to come into USA.I got a visa XX/XX/XXXX and came into the USA at XXXX XXXXAccounts was oppened at XXXX years so, its no way for my to physically get and use this credits cards.I report to police department but the still didnt help my out.It was few more account but credit berrues removed them. 

So called the Chase Bank and I got the letter that I amstill responsible for frauden account, but again, its no way for my to opened, get and use chase credit card.During XX/XX/XXXX and XX/XX/XXXX I lived in XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : **Dispute of Debt Account XXXX Dear Sir/Madam, I am writing to formally dispute the validity of the debt you are attempting to collect under the account number referenced above. I have reviewed my records and do not believe that I owe this debt, or the amount you are claiming. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with the following documentation to verify the debt : XXXX. A copy of the original contract or agreement associated with this debt. 
XXXX. The name and address of the original creditor. 
XXXX. A complete history of the debt, including dates and amounts, showing how the current balance has been calculated. 
XXXX. Any additional evidence of my liability for this debt. 
If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 

Please be advised that until this information is provided, I consider this debt disputed, and I request that you cease all collection activities. You are also required by law to report this dispute to the credit reporting agencies, if applicable. 

I would appreciate a response within XXXX  days of receiving this letter. If you do not provide the necessary documentation or if you continue to pursue this debt without verification, I will consider taking further action, including reporting this matter to the Consumer Financial Protection Bureau ( CFPB ) and my states Attorney General. 

Please send all correspondence regarding this matter to the address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hi, I contacted Everbank to have my CD from XXXX XXXX to be transfered to their bank ( EverBank ). 

My CD came to maturity on XX/XX/XXXX. All the forms required by Ever Bank was done and sent to the bank .I was in contact with XXXX XXXX at Ever bank that assure me that all forms had been sent to XXXX XXXX on XX/XX/XXXX Ever Bank CD rate at 1.75 % Today XX/XX/XXXX I received a notice from XXXX XXXX telling me they had renewed my CD at 1.26 % for 2 years. I was in a state of shock. 

I called Ever Bank and talk with XXXX that assure me again she had sent all my papers to XXXX XXXX, and that the XXXX bank had not responded to them yet, so I told her about my notice from XXXX XXXX, and that they had renewed my CD. She then proceeded to tell me that I should have contacted XXXX XXXX to see if they had send my money to their bank. So I asked her why she did not follow up on this, since she was doing the transaction and that my CD came to maturity on XX/XX/XXXX. She told me she did not know about my maturity date, I told her I had done business with many banks in the past and that transaction is usually between the the banks, and if I was supposed to check on that transaction she should I have told me. 

I called the complaints service at Ever Bank and told them my story. They told me they had sent my transfer forms for my money at XXXX XXXX at my address. I asked them why sending it to me, and beside that I never received them. If I had received those transfered forms by mistake I would have called them and send it back to the Bank. 

Is there anything that can be done.??? without loosing money, since XXXX renewed my CD. 

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

Lexisnexis was supposed to have removed my XXXX   XXXX and XXXX  XXXX from my credit report. They were supposed to send me a letter addressed to each credit bureaus but I have only received XXXX and XXXX. Because Lexisnexis is a partner company with XXXX that are not sending my verification letter informing me and the company that the BANKRUPTCYS were removed. This is causing great hardship. I need for Lexisnexis to send a copy of the removal letter to each credit bureaus and send a copy to me.
Product: Credit card or prepaid card

My Serve card was stolen on XX/XX/XXXX. I had 3 charges on the card before I caught it. I reported the card stolen and the charges on the same day XX/XX/XXXX. I went and did a police report and filled their declaration of fraud. On XX/XX/XXXX I received an email for Serve saying they denied the disputes. I called them and they reopened the case. The police officer who filed the report called them 3 times and they put him on hold and then hung up. I called them yesterday XX/XX/XXXX and they said it can take 45 days. But per there rules they should give a provisional credit they said they are waiting to hear from someone if I am approved for this. This is for American Express Serve.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Reporting Act all these accounts have violated my rights. 
MO CHLD SPRT XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX 15USC 1681 602a states i have the right to privacy. 15USC 1681sect 604a Section 2 also states a consumer reporting agency can NOT furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

four months ago I notified the credit bureaus of accounts that did not belong to me. It has been well over 60 days and I have not gotten a response or any type of update. I feel like I am being taken advantage of and the credit bureaus are ignoring my disputes. Section 611 ( a ) plainly stated that failure to complete an investigation within 30 days is grounds for accounts to be automatically deleted from my credit reports. It has been over 60 days actually so these accounts should be deleted from my credit report immediately. I demand these accounts be deleted or I may have to file litigation for the stress this has caused on my life. My information was also a part of the Equifax data breach and who knows who has been using my information.