23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The account I previously had, has been charged off. By XXXX XXXX IRS Clearly says a Canceled debt or Charge off Is Income. The reporting of this account as a debt is inaccurate. 

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) a person not furnish any information relating to a consumer to any consumer reporting agency if the person if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have contacted this establishment informing this manor. I have yet to see any change nor response from these companies reporting to the credit reporting agencies. 

companies contacted XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, AFFIRM, XXXX XXXX XXXX XXXX XXXX XXXX,
Product: Money transfer, virtual currency, or money service

I sent a wire of XXXX to my coinbase account and it was supposed to be credited within 1-2 business days. I am on the fourth business day and it 's still not credited. I followed the instructions fully.
Product: Consumer Loan

I traded in my Vehicle on XXXX XXXX, 2016, My ten day payoff was {$6900.00}. The next due date was XXXX XXXX 2016. I received over 10 " ROBO Calls '' at work, and when I finally called them back the lady was very rude and refusing to listen to anything I had to say, Only demanding payment immediately. I told her I have proof the vehicle was traded in and she said it does n't matter, You 're responsible for the loan. I told her that The dealership has proof that they received the payment, and they had acquired the lein release and sold the vehicle. Her response was that I now had 24 hours to pay the balance of XXXX or I would face legal action. I told her that she can not pursue legal action as it has only been 1 day past due, WITH record that the account in question was paid off. I also asked her why the balance is so high. She said they add interest daily, which is nowhere to be found on my contract. I ask to speak with a manager, and she puts me on hold. She comes back and says he will not speak to me because everything she has told me is the truth and I am just lying to get out of a payment, then she hung up on me. I immediately received THREE more robocalls ( This is after XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with inaccurate addresses on my credit file.. I choose to opt-out of your disclosing future information until further I give notice to XXXX XXXX, EQUIFAX, XXXX  inquires regarding all personal information. Under the Fair Report Credit Act, you are required to comply. I would like you to provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX  XXXX I have tried to get this corrected before with no response. There are several unauthorized inquiries on my report from the following companies that I have never apply for a line of credit or loans please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was a victim of ID theft in XX/XX/2017 and items keep appearing from companies that I have no business or contracts with. I would like a copy of my full file report on your files for my own personal review.
Product: Debt collection

I am a consumer and natural person, I can not owe any debts, I am a non-entity, non obligor, non- debtor. MY personal information is worth whatever amount I say it is worth. Any company that has obtained my personal information without my consent is in violation of my GOD given rights to life, liberty, and the pursuit of happiness. 

ASSET RECOVERY SOLUTION LLC is attempting to collect on a debt that was created through fraudulent misrepresentation on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. XXXX XXXX furnished a Deceptive credit application pursuant to 15 USC 1692j, that did not give full disclosure pursuant to 15 USC 1631. 

Not only is ASSET RECOVERY SOLUTION LLC attempting to collect a fraudulent debt, they have not obtained the consent of the consumer for communication. They have obtained my personal information for their own benefit with has resulted in my identity being stolen. They are in violation of 15 USC 1692c. 

The practices employed by ASSET RECOVERY SOLUTION LLC and their staff have been an attempt to harass, damage my status with creditors and cause emotional distresses during a global pandemic.
Product: Credit reporting

Inability to upload files ( XXXX or XXXX ) to Experian for online dispute reporting. It is not an issue of file size, even considering the stated upload size available, which you should review. And, if uploaded docs may be easily hacked enroute (? ), why " offer '' this option? I will call to see if FAXING doc is an option on next business day ; my doc contained names and a bank contact no, but referenced only last XXXX digits of account in dispute, which actually needs to be removed from my present credit information. Credit company STILL too difficult to access for help. This is the age of digital information, not reliance on snail mail. Internet search also reflects this issue with uploading docs. Why is this problem being allowed to continue? Thank you.
Product: Money transfer, virtual currency, or money service

Money was taken out to my account on numerous occasions that was not authorized by me and no agent was available for assistance with the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX Model vehicle on XX/XX/XXXX, and after having it for less than 60 days it gave me some problems. After the repair shop accessed the issue it was determined to be engine failure. The cost was XXXX . I contacted my lender Credit Acceptance Corporation and discussed a payment arrangement because I was having to pay for repairs. Half of the money came out my pocket and I financed the other half. My financed payment was costing me XXXX $ /month so credit acceptance offered me a payment of XXXX $ /month for 6 months to help me out on my car note. Well CA never mentioned that this would show up as delinquent payments dropping my credit score over 150 points. I am having a hard time with certain finance companies trying to get a loan for home repairs. Credit acceptance never ever said this would be considered delinquent. I am hoping someone can look into this in hopes of getting my credit score back up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an fraudulent inquiry on my account from XXXX XXXX  and Transunion is taking no action to help remove this. I've reported this to XXXX XXXX  and have no reply. I need this inquiry removed now.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek redress for these violations.
Product: Debt collection

Several years ago I joined XXXX XXXX in CA. When I joined I set up automatic payment with my bank. Approx. XX/XX/2022 I called and informed XXXX XXXX that I was moving to Indiana and wanted to cancel my membership. They took, my information, told me I was current with payments and that I was cancelled. I then called my bank and stopped the automatic payments. A few months later I was contacted by a XXXX XXXX agent who said I owed {$130.00}, I told them I cancelled my membership and was current when cancelled. They said they would check. I was then told I was okay. Heard nothing else for 6 months when the law firm of Aldous & Associates contacted me. I informed them in writing that I disputed the claim, and that I cancelled as described above. I asked them in writing for an explanation of the {$130.00} charge and all documents pertaining to the charge. I only received an illegible copy of a membership agreement that was unreadable. I again asked for an explanation of the charge and copies of legible documents. I was supplied with no other documents or information verifying what was owed. They reported the alleged debt to credit bureaus. Despite knowing that the debt was disputed, they provided no legible documents or information, after I had requested these same twice in writing.
Product: Debt collection

I am writing in response to your recent communication regarding an alleged debt associated with my name. I am requesting validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide me with the following information : Verification of the debt amount and its origin. 
Documentation demonstrating that I provided consent or agreed to the collection of this debt by your agency.
Product: Credit reporting or other personal consumer reports

XXXX XXXX contacted Transunion today at around XXXX PST. He was repeatedly hung up on, disconnected, provided false and inappropriate guidance from numerous representatives as XXXX was advising of a case number concerning fraud on his Transunion profile exclusively. XXXX had spend numerous amounts of his time explaining simple things like email address information, police report numbers and was not allowed to provide all the information XXXX was trying to provide to Transunion. XXXX is a victim of consumer fraud and Transunion is not complying with the removal of inappropriate remarks on his credit profile. XXXX in one instance was providing the police report number to a Transunion worker, and the worke disconnected the call after reading back the police report number numerous times. Providing an email address to another worker became very difficult as well, as the worker began reading back worded that are not even English. 

This is serious. It should not be this difficult to get fraudulent remarks removed from a credit report. In fact XXXX feels that they are working to not remove the remarks with the so backwards and ignorant mannerisms and behaviors. Transunion should not be asserting false and misleading information and then working to keep it on he report when there is a police investigation into the conduct of the merchant not exclusive to just XXXX. 

XXXX was trying to provide the following information and is unsure if Transunion properly recorded it. 

Case Number : XXXX Station : XXXXXXXX XXXX XXXXXXXX investigations Phone Number : XXXX Investigating Officer : XXXX ( Badge XXXX )
Product: Debt or credit management

Repeated calls from Transworld Systems ( calling from XXXX ) who said they were collecting a XXXX  debt but would not provide any understandable information as to : 1 ) who the debt was from, 2 ) the amount of the debt, and 3 ) the date of service related to this charge. Each call sounded like it was being placed from overseas and each caller had a strong non-English accent - making it very hard to understand exactly what they were saying. They refused to provide the information listed above until I provided them with personal security information- which I was not willing to do. They absolutely refused to send me any more detailed information either by mail or e-mail. 

They have been calling me or my XXXX  ( separate phone numbers ) several times a week over the past XXXX of months. The callers do correctly identify my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : DEPT OF ED Date of inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report and noticed some inaccurate information. XXXX XXXX XXXX is reporting a debt that I owe ( XXXX ) in the amount of {$250.00}. I have never had any accounts with this creditor and have made several attempts to clear the matter with the company. The company has not provided any proof that the debt is mine and refuses to correct the information on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XXXX of XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$1500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$6100.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9600.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9000.00}, XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$3100.00}, and XXXX XXXX Date opened XX/XX/XXXX Balance {$420.00}.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY 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. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$3200.00} XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$3700.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$6700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2018 ; XXXX XXXX XXXX XXXX , CA XXXX XX/XX/2018 ; XXXX XXXX  XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Balance : {$7200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate unverified information on my credit report i have disputed the inaccurate information with no luck to today i am submitting a dispute with the source of their verification which doesn't reflect any bankruptcy being reported on my file also put a correct date of birth for me and remove the unauthorized inquires on my report
Product: Money transfer, virtual currency, or money service

I wired money from my chase account to XXXX XXXX, Account # XXXX for {$25000.00} onXX/XX/XXXX. the bank name was BBVA and changed to PNC XXXX XXXX never received the money so I went to branch with XXXX and I was told that I must recall the wire which I did but my money never been refunded to my account. I contacted my bank and I was given case # XXXX, XXXX After few months, my bank told me that they sent six follow up messages to them between XX/XX/XXXX andXX/XX/XXXX unfortunately we have to close a recall request because the beneficiary bank would not respond to us. Please see attached letter from my bank.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous time 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. The way they've made the payments work does not give a chance for senders to thoroughly confirm where the money is going, and with no safeguard it is unfair to the customers.
Product: Student loan

I made over 120 payments while working in XXXX  XXXX I am told the payments didn't count.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to delete the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX  Original Creditor : XXXX XXXX  XXXX Balance Owed : {$170.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$8000.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$170.00} XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report XXXX XXXX XXXX XXXX XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX - {$0.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX. I have contacted the FTC and my local police and I am doing this on my own behalf. XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX.
Product: Credit card or prepaid card

From XX/XX/XXXX-XX/XX/2020, my Citi Bank credit card was stolen and used to make 14 charges that amounted to about {$3100.00}. During that time I was XXXX with XXXX  and was quarantined and in recovery. I made many attempts to inform Citi Bank I was not responsible for these charges however, they are still claiming I am liable to pay for the charges because during investigation I told them 'I always have the card in my possession. ' In response to this I asked if they had mailed me a new card because the one on my person was expired and XXXX the representative ignored my question twice. However, a few weeks later I spoke to XXXX, Supervisor at Citi Bank, and she informed me a new card was sent to me in the mail and we concluded this card was stolen from the mail and was used to incur the charges. XXXX told me she would recommend my responsibility for the charges would be dropped since the card was stolen from the mail but that has yet to be completed and I am still held liable for these charges.