23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

XX/XX/year> I received an email stating my account was frozen/suspended. I recently cashed out a retirement account I had at XXXX when I was working at XXXX. It was over XXXX I had cashed out and deposited into my Venmo account. This was deposited on XX/XX/year>. I used it a few times on things like vacation, bought a couple things, transferred XXXX XXXX to my real bank account, all good. Then out of the blue on the 4th I get this notice. I still have over XXXX in there and they are holding it XXXX. I have provided them with all the ridiculous things they have asked for. Also, the 2 emails they sent me asking me to respond to them, both go back to XXXX so there is literally no way to respond to them. They dont tell you how to respond at all. I ended up finding a contact us form where I had to take screen shots of the emails and then put into a document the things they are asking for. I get no confirmation that they received it. You cant call in and talk to anyone who can do anything. There is no way to actually speak with a person here. I started researching this issue and there are XXXX of people in the same boat. All I want is to be able to transfer my money out and into my bank account. I will then close my accounts there and make sure everyone I know does the same. I have done nothing wrong, shady or illegal. Please help me resolve this.
Product: Credit card or prepaid card

The card in question is a XXXX 's Mastercard serviced by Comenity. Apparently this card was compromised several months back, but we were not notified ; we found out when the card was suspended and we called to inquire. During this compromise, the physical mailing address was changed to a XXXX address & email on the account was changed to one we know nothing about. That was supposedly straightened out and a few months later on XX/XX/XXXX we attempted to use the card again & it was suspended again. Upon calling, we were told the balance was {$0.00} and we requested the card be closed. XX/XX/XXXX we received a bill for the balance & past due charges. Apparently they didn't close the account as promised on XX/XX/XXXX & had sent the next monthly statement by email, which we didn't receive because the email address had been changed & " they couldn't change it back ''. We are out {$29.00} for the late fee because of Comenity 's incompetence.
Product: Debt collection

I had a collection debt with XXXX that was being reported on my credit report by a collection agency named Ad Astra. In XX/XX/XXXX, I contacted Ad Astra and reached a settlement agreement to resolve this debt. The settlement arrangement was funded on XX/XX/2018. For some reason, Ad Astra is still reporting that I owe {$480.00} to XXXX XXXX, even though I settled this debt two months ago.
Product: Credit reporting

XXXX XXXX XXXX has been reporting to Experian through XXXX for over 10 years. Recently we realized that XXXX had gone out of business and none of the information we were reporting was appearing on Experian. Furthermore Experian deleted all the information we had ever reported through XXXX without either company informing us. We have been dealing with the manager at Experian, XXXX XXXX, and the supervisor, XXXX XXXX for two and a half months now without any solution. We were denied being able to report to them directly yet we are still being charged to be able to purchase credit reports from them even though at this time we know they are not accurate because valuable information from our company has been deleted. Over ten years worth of information is missing for our customers. Experian refuses to reinstate the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # : XXXX Closing Date : XX/XX/2014 Liability : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a Identity Theft Report with the Federal Trade Commission - Report # XXXX in regards to an XXXX XXXX Account ( {$1300.00} ), which I have pleaded is not my account. I have filed numerous disputes with Equifax since XXXX after finding this account on my credit report. I sent the Identity Theft Report via certified mail to Equifax which was delivered on XXXX. On XXXX I placed a call to get an update the account and was advised that the account was under review, yet again .... and I would get a letter with the results. I asked an account manager, XXXX how the account was being verified and she refused to provide any additional details and refused to provide me any information on my credit file. On XXXX I received a letter from Equifax who again advised the account was updated and found to be accurate. A fraud alert was placed on my account also placed on my account. 

Letters were also sent to XXXX and XXXX who immediately removed the fraudulent XXXX XXXX account and promptly sent updated credit reports to verify this information. 

My concern is, what verification process is Equifax using? They refuse to provide any additional information. They have multiple identification breaches with our identifying information and they refuse to tell you anything. How are XXXX  and XXXX able to remove this account and Equifax refuse with the same information obviously provided to them under the investigation?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a personal college loan through HESAA in NJ. I usually make my monthly payments via credit card. On XX/XX/18 I tried connecting my checking account to the portal to pay via my checking account because I was being charged a fee every time I used my credit card. I follow the video they direct me to, I link my checking account, and I submit the payment for that month via my checking account. A few weeks to a month later I get a notice in the mail that my loan payment is late and that I am delinquent. 

I log on to the HESSA.org to find that my checking account payment had been bounced back. I immediately file a claim with HESSA and petition to have the delinquency removed since I was unaware my payment bounced back. This was also my first late payment so they removed the delinquency and made my account current.

But my credit score has not improved since they made my account current. It was above 700 before all this, but now it is around 650. How can I inform the credit agency to have my score go back to what it was prior to this incident?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit reporting act XXXX Account # XXXX XXXXil 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section2 it 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

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

This account is involved in litigation. Vehicle was deemed total lost by insurance company without any previous late payments. Vehicle was covered by gap insurance. Lender continued attempts to collect on a debt that was not owed. Lender has currently has multiple class action suits in regards to its practices.
Product: Debt collection

I had an XX/XX/XXXX loan back in XXXX. I did a loan modification and the 20 % loan in the amount of $ XXXX went away around XXXX. In XXXX I tried to work with the debt collector XXXX, XXXX as this debt was very old and I no longer owed it. I had to sell my home in XXXX and they had a lien on my property for $ XXXX. They took my money from the sale of my home. How did it go from $ XXXX to XXXX. This left me in major financial bind. I called XXXX crying and they didn't care. I wasn't able to complete the sale of my house until they got the money. This was a great rip off, it wasn't fair and I would like you all to look into this so I can get my money back. I am a XXXX minority and I did some research and found out that many of us were treated the same way, today the CFPB did a press release also talking about the same thing! My family and I were treated so unfairly and this was simply a money grab for them. Almost like a knife to my throat.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed credit report in XXXX and noticed Account Balances and Collection accounts and balances reporting that were not mine ( from XXXX ). Filed disputes with XXXX, Equifax and XXXX, reached out to the collection agencies and no one has validated these amounts. I have received statements of balances, but nothing that bears my signature or details the amounts they are trying to collect. I have asked the reporting agency as well as the collection agencies to provide validation, descriptions of what makes the amounts up ( detailed ) as well as authorization, such as a signature -- nothing has been provided, nor have the accounts been removed. Do believe Equifax listed as a closed status, but these should be removed. In addition for accounts that they have reported as opened in XXXX or prior, they have not reported the credit history, only an ending balance that again has not been validated.
Product: Credit card or prepaid card

So i checked my online credit card account from bank of America around XX/XX/XXXX and realized there was a charge for XXXX from XXXXXXXX XXXX XXXX which the transaction date was XX/XX/2021. So i called BofA to report this fraudulent transaction. They denied my claim 2 weeks later saying " it was a contactless transaction, therefore your card was in your pocession ''. Obviously it was in my procession but I DID NOT MAKE THIS TRANSACTION. They are not helpful at all. And I never do contactless transactions ever. They even looked at my history last time I did contactless was in XXXX which shows that I rarely use contactless method. They even canceled my old card and sent me a new card but still denied my claim. This is ridiculous. I always pay my bills on time and never am late on payments. I want my money back and I've read a lot about BofA doing this to a lot of their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit and I have so many account errors. The accounts I have no knowledge of and have no knowledge of the debt. I sent in letters to the creditors and contacted them as well to let them know that this was n't my debt and also to ask them to remove them. I asked if they could send me the original paperwork because I know it is illegal for these companies to report these accounts on my credit report if they know it is n't my debt and I did n't sign for these accounts. I hope to resolve this so I do n't have to take legal action. The accounts are not mine nor is the debt. I have no knowledge of this debt.  XXXX   XXXX   XXXX  and  XXXX  is liste d 4 separ ate times and none of the accounts are mine.  XXXX   XXXX   XXXX  is also listed. This is not my debt and I have no knowledge of it.  XXXX   XXXX  is listed, this is not my debt and I have no knowledge of it.  XXXX   XXXX   XXXX  is listed. I have no debt with this company and have no knowledge of it.  XXXX   XXXX  is listed and I have knowledge of this debt. It does not belong to me. I have reached out to these companies asking for help. there is no balance on the accounts but they will not remove them from my Reports. I have told these debtors that this is n't my debt and that they should work with me to remove them but they wo n't. Please help me in resolving this issue as I only want my name cleared of debt that I had nothing to do with obtaining. Thank you.
Product: Debt collection

Repeatedly attempted to have validation by certified request, but never got a response. 
Then without notice placed a collection on my credit report. 
I would never sign a release of my medical records ( HIPPA ) therefore they never could validate the alleged debt.
Product: Money transfer, virtual currency, or money service

I would like to be reimbursed for the reported transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts and inquires have been opened without my knowledge and consent and I want them removed immediately. 

XXXX XXXX {$440.00} XXXX XXXX {$7000.00} XXXX XXXX  XXXX {$1300.00} INQUIRY XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I've contacted sunrise credit services about the fact that my identity was stolen because I was in an unsafe environment with an abusive ex and multiple people who I didn't know had access to my items when I wasn't present. It claims it was for an XXXX XXXX XXXX phone bill which I never gave consent for and didn't know it was on my credit until I checked in XXXX and disputed it to no avail. It says it was opened XX/XX/ XXXX And the balance os {$660.00}.
Product: Debt collection

National Collection agency I asked for settlement and the settlement was reach at {$280.00}. I paid the {$280.00} and received a letter from XXXX XXXX an employee with the company that is was paid and has a XXXX balance, however when I called them claimed it was a {$280.00} pay off.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information regarding my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$70.00} XXXX  XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve the unauthorized inquiries from the credit bureaus since XX/XX/XXXX. I have requested full validation and asked the credit bureaus to send me proof such as my signed authorization permitting the inquiries. They have not provided. All I get back from the credit is that my credit report is " update and as factual ''. How is this proof? I need proof as these inquiries were not authorized by me. Here are the unauthorized inquiries in question : 1. XXXX  XXXX  Auto Financing Companies Inquiry date : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Auto Financing Companies Inquiry date : XXXX XXXX, XXXX 3. XXXX XXXX AUTO FIN Auto Financing Companies Inquiry date : XXXX XXXX, XXXX 4. XXXX XXXX Auto Financing Companies Inquiry date : XXXX XXXX, XXXX 5. XXXX XXXX XXXX Banks- non specific Inquiry date : XX/XX/XXXX 2020
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to request an investigation of the following information on my credit report : The charge-off of an obligation with XXXXXXXX XXXX XXXX is not mine ; I am not responsible for this account, I am a victim of ID theft. People have used my information to open them and make fraudulent activities. 
To further support my claim, I have attached documentation including : the police report from the identity theft complaint, also my Driver license to verify identity Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with this platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus ( XX/XX/2023 ), but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX  {$24000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$24000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$560.00} DESIGNED XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX : {$150.00} XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX : {$520.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$300.00} XXXXXXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 Account # : XXXX Date open : XX/XX/XXXX Balance : {$3100.00} - Charged Off XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$90.00} - Collection XXXX XXXX Account # : Date open : XX/XX/XXXX Balance : {$680.00} - Collection XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$2000.00} Late/Closed XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX, Balance : {$74.00} Collection Inquiries in dispute : 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
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 : # 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, have 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 an 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: Money transfer, virtual currency, or money service

On XX/XX/2020 a person going by the name of XXXX XXXX posted pictures of puppies on a XXXX group that I am a member of. She claimed to have three XXXX puppies for sell. I messaged her that morning at XXXX requesting information about the puppies. She was asking {$500.00} each for the puppies. She claimed to be in XXXX, TX. She said I would have to put {$200.00} down to hold the puppy for me. She asked me to categorize the payment made under friends and family to avoid her having to pay the fee to receive the money, I would be the one to pay it. I agreed and send the money. We were supposed to meet the following Tuesday for me to pay the remaining {$300.00} and to receive the puppy from her. She have me the email address XXXX for the PayPal account. On XX/XX/XXXX when I text her letting her know I was about to be on my way to meet her she did not respond. She then blocked me from being about to message her. I contacted the administrators of the XXXX page. They were unable to contact her. That same day, I filed a complaint with PayPal to stop the payment. The administrator of the page let me know that other people in that group were also scammed in the same way with the same post.