23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a BestBuy credit card account ( by Citi Bank ) shared with my Data. He is the primary account holder and I am an authorized user. On XX/XX/XXXX, I bought a TV, which is {$1300.00} ( including Tax ), and BestBuy provided me a 12-month financing program with 0 interest, so I decided to use it. 

For the next two months, I paid the installment amount regularly online and decided to set up autopay at the end. However, for some reason, the autopay was not set up successfully, and I missed the following 3 payments until I realized it on XX/XX/XXXX through my online account. Once I realized that, I immediately paid it all once ( including the remaining amount ). During XX/XX/XXXX-XX/XX/XXXX, I didn't receive any letter or notification from BestBuy or City Bank in any mean regarding this derogatory incident. They might send it to my Dad ( I'm not sure ), who I don't live with, but he didn't read or speak English so there was no way he would know this incident and notified me. Currently I pulled my credit report and it showed my FICO ( possibly my Dad 's one also ) significantly dropped due to this incident. I called BestBuy and Citi Bank multiple times to fix it, but they didn't seem to be able to help much or provide any support to correct this incident. BestBuy though understood the fact that this was not intentional and agreed to remove the refund the late payment chargeto me, but they couldn't provide any opinion on this incident, which they already submitted to credit bureau. 

I sincerely with CFPB can help with me remove this and mark off this incident from my credit report. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was open online over the internet. BY LAW SECTION 609 ( a ) ( 1 ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY- THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT-ANY AND ALL ACCOUNT YOU POST ON A CREDIT REPORT. OTHERWISE ANY AND ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL OR EMAIL IN A FRAUDULENT ACCOUNT. I DEMAND TO SEE VERIFIABLE PROOF ( AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) YOU HAVE ON FILE OF THE ACCOUNTS LISTED. YOUR FAILURE TO POSITIVELY VERIFY THESE ACCOUNTS HAS HURT MY ABILITY TO OBTAIN CREDIT. UNDER THE FCRA, UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF YOU ARE UNABLE TO PROVIDE ME A COPY OF VERIFIABLE PROOF OF AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT, THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT-ANY AND ALL ACCOUNT YOU POST ON A CREDIT REPORT. OTHERWISE ANY AND ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL OR EMAIL IN A FRAUDULENT ACCOUNT YOU MUST REMOVE THE ACCOUNTS LISTED BELOW. FURTHERMORE, XXXX XXXX XXXX can not provide proof that this is my account. I am asking that this account is COMPLETELY remove from my credit history. XXXX XXXX XXXX is not a business its SCHEME. Reporting information that is completely wrong. PLEASE REMOVE/DELETE FROM ALL FOUR CREDIT REPORTING AGENCY ASAP!
Product: Credit reporting or other personal consumer reports

My credit report says " XXXX & XXXX years of reporting ''. This is terribly wrong. I've had credit cards and loans for years and years. For goodness sakes, I am XXXX XXXX XXXX! 

My opiinion of all credit reports are that they are absolutely " fixed '' totally without researching for the correct information. Especially for late payments and medical debt. 

Consumers are out here trying to make a living in an honest way. Why can't they be honest and correct in reporting what is honestly, lives depending on it!
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER FURTHER REVIEW OF MY CREDIT REPORT, I HAVE NOTICED SOME ACCOUNTS THAT I HAVE BEEN AFFILIATED WITH. I DID NOT AUTHORIZE ANY PERSONS TO USE MY INFORMATION FOR THESE ACCOUNTS AND WHAT HAS BEEN RE-REPORTED TO THE BUREAUS AND IS NOW ON MY CREDIT IS 100 % INACCURATE. PLEASE ASSIST WITH DELETING THIS ITEM EXPEDITIOUSLY AS I AM NOT THE PERSON AFFILIATED WITH THESE UNKNOWN VENDORS.
Product: Credit reporting or other personal consumer reports

on XXXX XXXX XXXX pulled my credit without my consent
Product: Credit reporting or other personal consumer reports

According to U.S. CODE 1681S-2 ( A ) ( 1 ) ( F ) Reporting Information During Covid-19 Pandemic. 
Responsibility of Furnishers to consumer reporting agencies. 

According to the Accommodation Clause agreement to defer, forbear, modify, partially pay, or get other assistance/ relief. 

All late payments, fees, penalties, etc. must be removed from consumer reporting agencies.
Product: Debt collection

I have attempted multiples times with your company to get XXXX XXXX debt removed from credit report. Debt is not validated, verified, or authorized by myself as the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against this company a few weeks ago and they responded stating that the information thats being reported on my credit was inaccurate and that they would be requesting to have it removed ; however, that information is still being reported on my credit and its causing my score to drastically drop. I need this fixed ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I decided to freeze my credit. I had no problem with XXXX XXXX and Experian but Equifax would not let me create an account. They said I could request a verification letter. I received the letter on XX/XX/XXXX. I used it to complete the enrollment as prompted and it said I was successful. When I tried logging in it said there was a problem and would not let me in. On XX/XX/XXXX I called customer service. He asked a number of verifying questions which I answered to prove it was me. After all that he told me I had to fax or email my social security card or driver 's license. I refused and he hung up on me. There is no way I want that information open to anyone. This sounds very suspicious to me. So now I have frozen credit on two bureaus with no issue but Equifax is trying to make me jump through hoops. 

I have attached the verification letter sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to trustedidpremier.com, my information was included in the Equifax leak. Their irresponsible handling of consumer information is a travesty that will have a huge impact on countless families. 

Their offer of simply 12 months of credit monitoring service is merely a Band-Aid on this terrible problem they caused through their lax security.
Product: Credit reporting or other personal consumer reports

on XX/XX/ I ordered a credit report to check on it and found several hard inquries that were not approved by me and 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. 


list of accounts 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  15 u.s.c . 1681 section 602 a. states i have the right to privacy.

15 u.s.c. 1681 section 204 a section 2 : also states consumer reporting agency can not furnish an account with my written instructions.

15 u.s.c. 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c. 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This was already included in my prior complain, and I'm including it again. 
CITI XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Debt collection

I owe a bill XXXX from early cancellation of contract for {$1000.00}. A debt collection agency, Valentine & Kebartas, contacted me on XXXX XXXX, 2015 to arrange payments for this debt from phone number XXXX. The employee of theirs setup payment arrangements of {$25.00} a month which I paid on the XXXX of every month until suddenly I received a call XXXX XXXX stating that the payment arrangement did n't count because the employee was never authorized to setup such an arrangement and has been fired and that I needed to either pay the whole balance or split the remaining {$1000.00} into 6 monthly payments. I explained to them that I should n't be punished for XXXX their employees mistakes and that an arrangement had been made on a recorded line and that I refuse to agree to a new arrangement. I was transferred to the night shift supervisor around XXXX XXXX who said he would keep the payment arrangement the same and transfer it to his accounts and would just call me the XXXX of every month to collect the {$25.00}. I woke up this morning to a missed call again from this agency XXXX and then received another call XXXX stating that their is no payment arrangement and that I need to pay the balance in full or break the now {$980.00} balance into XXXX monthly payments. I again asked for a supervisor and spoke with XXXX, who stated that there is no payment arrangement and he is the one who approves all payment arrangements and that {$25.00} a month is not acceptable and that is why the payment arrangement had been cancelled. I asked him how he could cancel an arrangement that had been okay for past 3 months and he said that it did n't matter that I needed to setup a new arrangement. At this point in time I told them I would be contacting the government because they made an agreement on recorded lines and are breaking them and making false representations. He explained that collection efforts and calls would continue until I agreed to more than {$25.00} a month because that amount is not acceptable and then said okay in reply to me filing a complaint and hung up. I do not believe this should be allowed or else what is the point of having agreements if they can simply break them twice in one month and then act like I have no choice but to accept a new arrangement at 6 times the original payment amount!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXXXXXX XXXX XXXX XXXX did not properly and thoroughly investigate my dispute with " XXXX XXXX XXXX '', in which stated I have no knowledge of the alleged collections account. 
Contrary to the requirements of the FDCPA, Experian and XXXX quickly replied " account was certified '', which is baloney. 
Violations are : 15 USC 1692 f ( 1 ) : No original contract ( and/or contract from/with alleged assignee and/or assignor ) is provided.

15 USC 1692 e ( 2 ) ( A ) : Because no contract ( s ) were provided, Experian and XXXX  are allowing a false representation of the character, amount, or legal status of the alleged debt.

15 USC 1692 e ( 5 ) : No evidence is provided by " XXXX XXXX XXXX '' supporting the alleged " XXXX assignee of XXXX ''. Both XXXX and XXXX  are known unethical zombie debt collectors. Further, XXXX is a business lendor, and Experian and XXXX are personal credit reporting bureaus. Further, no evidence is provided supporting the date ( s ) of the alleged debt.

15 USC 1692 e ( 10 ) : Experian and XXXX are providing false representations by lack of documentation of any agreement between myself and " XXXX XXXX XXXX ''. Experian and XXXX are also providing false representations by not providing documentation of assignment of the alleged debt from other entities.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Zelle ( XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Zelle 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 appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am reaching out to express my ongoing concern regarding the unresolved matters pertaining to my recent fraud claim. While I acknowledge your admission of responsibility and the resolution in my favor, I must convey my serious disappointment with the insufficient response received thus far. 

Upon reviewing my credit report today, I discovered that XXXX XXXX is still listed, despite confirming the fraudulent nature of the claim on XX/XX/2023. Under legal obligations, financial institutions are mandated to promptly report instances of fraud to credit agencies. Unfortunately, I observed that XXXXXXXX XXXX failed to notify TransUnion, even after the resolution of my fraud claim in XX/XX/2023. It's important to note that this neglect is violation of the Fair Credit Reporting Act ( FCRA ), a federal law that prohibits creditors from furnishing inaccurate information to credit reporting bureaus. 

This oversight has significantly impacted my financial standing. The delayed correction of the fraudulent activity has adversely affected my credit score, prompting a three-month pause in my business activities to engage credit repair services. Consequently, my credit score, consistently in the XXXX, plummeted to XXXX due to a harsh pull initiated by XXXX XXXX. The financial losses incurred and the disruption to my business operations are substantial, considering the severity of the identity theft. 

The origin of this incident, stemming from a routine XXXX XXXX  appointment, highlights the unexpected and distressing nature of this identity theft. The gravity of the damages caused can not be overstated. 

Upon contacting TransUnion, it was confirmed that XXXXXXXX XXXX  failed to fulfill its legal obligation to report the fraud, exacerbating the adverse impact on my credit score. 

I believe in the importance of resolving this matter amicably and trust that XXXX XXXX will take swift action to rectify the credit reporting issue and provide the requested compensation. However, I must emphasize that, regrettably, I will have no option but to pursue legal action if these concerns are not adequately addressed.
Product: Debt collection

I must inform you that I have been a victim of identity theft. I am disputing the following accounts as they were opened without my knowledge, consent, or authority. Upon contacting the respective companies, I was advised to file the FTC affidavit available on the website identitytheft.gov. 


PORTFOLIO RECOVERY XXXX-XXXX  and PORTFOLIO RECOV ASSOC XXXX.
Product: Credit card

In a letter dated XX/XX/year> from Synchrony Bank sent a change of terms notice. This notice includes a paper statement fee of {$1.00} to receive a paper statement from the company. As I like to see a physical copy of a statement and don't always have time to sit down and log into an account online, I do not think that I should have to pay to get them to send me one. This is part of doing business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to get a car with bank was denied. I checked my credit and I saw things on there that I did not authorize. I have also applied for a job that will check my credit and this is not good. Please take these accounts off my credit XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. There are some inquiries that I didnt 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. I have contact the FTC and my local police department.
Product: Debt collection

They keep reaching out when told them to stop. Law states 15usc1692cc
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax due to unresolved inaccuracies on my credit report, specifically regarding a public record with reference number XXXX, filed on XXXX 

Equifax previously responded to my dispute with investigation results dated XXXX claiming the public record had been verified with " US BANKRUPTCY COURTXXXX. XXXX This assertion is entirely false, as the U.S. Bankruptcy Court XXXX XXXX XXXX Florida has explicitly stated on their website that " The Bankruptcy Court has no jurisdiction over credit reporting agencies. '' I am aware that Equifax receives public record information from a third-party vendor, XXXX. To support my claim, I requested a copy of my XXXX consumer disclosure report on XXXX XXXX XXXX and I have proof that no such public record is being reported to XXXX. Therefore, Equifax 's claims are unfounded and must be addressed. 

I am including the following documents as evidence : 1. A copy of the Table of Contents section of my XXXX report showing the absence of the reported public record. 
2. Equifax 's previous investigation results. 
3. The U.S. Bankruptcy Court XXXX XXXX XXXX Florida 's credit reporting policy stating their lack of jurisdiction over credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30/60 day. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX XXXX and XXXX with no successful resolution. Experian, XXXX and XXXX reporting me 30 days late in XX/XX/XXXX and XX/XX/XXXX. There was an error on their part. I was never 30/60 days late.
Product: Credit card or prepaid card

I reported my card stolen in XX/XX/2021. There were charges on the card total lying {$2700.00}. 
They rejected my fraud request and said I had made the purchases. They were almost all in areas outside my local area. I filed a police report also for the theft. Bank of America rep says most like the reason for the rejection was the fraud claim was too large. Rep on the phone could see its obviously fraud. Bank says they cover card for fraud so its fake advertisement by the bank. My case number with Bank of America is # XXXX. If go to the bank they tell me all i can do is call a number that I can't get through to.
Product: Credit card or prepaid card

I was sent a Cash App card in the mail on XX/XX/ 2022. I never made an account with them. I can't contact them without giving personal information.
Product: Debt collection

A couple months ago XXXX XXXX contacted me regarding an account that was not mine that had a balance of {$2100.00} that was late. I told them that the email XXXX that is attached to that account is not mine and never has been. I immediately contacted XXXX and told them that the account was fraudulent. The person is using my name and an old address. They asked if I was selling lotions on XXXX   and I said no. I have one XXXX  account that I use and it's not the one they were claiming was mine. They said they would look into it. I never heard back from them. Today I received another call from XXXX XXXX for the same account and amount. I again told them this is fraudulent and then emailed XXXX about the issue so I would have written documentation of the issue at hand. I finally got XXXX 's attention on the matter because I reported them to the XXXX and sent in my police report. XXXX ( from XXXX ) called from XXXX, NE XXXX and said that they investigated and the account was stolen with identity theft in 2015 and that it was not my responsibility. XXXX XXXX  just sent me a letter saying that they completed their investigation and that the debt is valid even though XXXX says it's not.
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE THE ADDRESS AND PHONE NUMBER REMOVE ADDRESS AND PHONE NUMBER FROM MY REPORT XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX XXXX )
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 Section 602, it states that I have the right to privacy. Under 15 USC 1681 section 604A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment under an open end consumer credit plan as late for any purpose. 

The payment was reported late on XX/XX/2024 to XXXX, XXXX, and Experian despite violating the aforementioned statutes as well as me submitted every piece of documentation required to date to verify that I submitted my payment in a timely manner.
Product: Credit card

I began to use the credit card that was offered to me and as I used it I made payments so as not to have to pay interest and maintain good use and management, but the last payment received was not credited to the card since it is under investigation and if it will be made further payments will not be credited to the card until they determine to credit it.
Product: Credit reporting

This item is inaccurately reported on my report for a while now under XXXX BKPT CT FL XXXX I 've contacted Equifax in writing and requested a permanent removal to this item since it 's inaccurate, they mailed me back that the item remains and they did n't include any proof to support their investigation or any proofs pairing signature or legal documentation that the item belongs to me. 
so, I contacted them again in writing requesting from them to provide a solid proof pairing my signature as proof of my ownership to this account, yet the failed to provide anything or documentation pairing my signature and they still stated the item remains on my report. 
XXXX BKPT CT FL XXXX wo n't give me any answers or access to learn about the account since it 's confidential, they also advised me that the Bankruptcy court does n't report to any credit bureau period. 
I 'm writing to CFPB today requesting to press a serious action against Equifax for their incompliance and violation of the FCRA, unless they are willfully give a fair investigation to this matter, provide any documentation pairing my signature or solid legal proof to my ownership to this account, and if they are n't able to provide any of the above then they should permanently delete this item off of my report with no reinsertion even if the same debt/item comes back with different entity discerption. 

the public record info is the following : XXXX BKPT CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX identification # XXXX reported as Chapter XXXX Bankruptcy Discharged