23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Upon reviewing your response, I have several concerns and disputes related to the handling of my account. Firstly, I did not receive an Initial Demand Letter via email on XXXX as stated in your letter. Please verify and confirm the accuracy of the email address on file to ensure proper communication.request a detailed explanation of the process TSI followed in placing account XXXX XXXX on my credit profile in a disputed status. It is crucial that this information is accurately reflected on my credit report. 

Lastly, I appreciate the documents enclosed with your letter. However, I would like a more detailed breakdown of the validation information for a better understanding of the specifics surrounding my account. 

And I would like to receive a copy of your surety N.J. bond license and NJ debt collection licensed that you're licensed to collect debt in the state of NJ and it was valid when you inserted a collection on my consumer report
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX
Product: Debt collection

I was seen for a dental procedure in which I paid the full amount before I left the office. I was not allowed to have the procedure unless I paid for it in full before leaving the office. Months later I received a bill and I disputed it in with the provider. The Provider : XXXX XXXX of XXXX. They told me they would write it off. I received the attached paperwork of the write off. Now, GLA has added it to my credit report and once again is damaging my credit falsely with information obtaining illegally.
By obtaining my dental records they violated my HIPPA rights to privacy. They also are billing me and adding to my credit a bill that I am and was never responsible for.
Product: Credit reporting or other personal consumer reports

Dear XXXX/CFPB, I am writing to you as a victim of identity theft regarding the fraudulent accounts that continue to appear on my credit report. Despite numerous disputes filed by me, along with reports submitted to various authorities including the FTC, the Office of the Controller of Currency, the police, and the FBI, these accounts persist on my credit report.

I recently obtained undeniable evidence, including the perpetrator 's identification and social security card, proving their responsibility for the identity theft and the opening of these fraudulent accounts in my name. With this concrete evidence in hand, I demand the immediate removal of these accounts from my credit report. 

XXXX account number XXXX I want to emphasize that I have exhausted all available channels to resolve this matter amicably. However, the persistence of these fraudulent accounts on my credit report is not only damaging to my financial reputation but also a violation of my rights. Failure to comply with this demand will leave me no choice but to pursue legal action against your company for knowingly reporting inaccurate and fraudulent information. 

I urge you to take prompt and decisive action to rectify this situation. Your cooperation in this matter is crucial to restoring my financial integrity and protecting my rights as a consumer. I expect a written confirmation of the removal of these accounts from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL " CRA '' REFUSE TO ADD MISSING ACCOUNTS INFORMATION TO CREDIT FILE ... .. ( 3 ) CREDIT CARD ACCOUNTS : " XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX ... I HAVE SENT EACH " CRA '' NOTICES AND PROOF 4X AND ALL " CRA '' FAILURE TO COMPLY.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX business-handlings of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but 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 consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid off Student Loans through  2  separate electronic payments one for Education Loans and  one  for Private loans. Navient provided me both payment addresses to send my check to. Well they received the check and processed them all on my  Education  loans. Now they are saying that it is my fault because I sent the checks to the wrong addresses. They say it will ta ke 4-6 weeks to refund one of the checks and re allocate to the correct loan. This was 60 days ago. They are now reporting that my  loans are 60 days past due to the credit bureau which has brought my score down by  XXXX  points and still calling me on a daily basis asking for a payment. They told me until the payment is processed correctly my loans are past due and they ca n't remove it from my credit on their end. Paying off my student loans should have made my score go up and should be celebrated, but it 's been a nightmare dealing with Navient. I am thinking about taking legal action.They are fraudulent and criminal.
Product: Credit card or prepaid card

On XX/XX/2023 at XXXX XXXX  I made an XXXX reservation in a Klarna credit card ending in XXXX for {$1700.00}. Later on that morning I cancel the reservation and XXXX issue the total refund back to the card. 

I have provided verification to Klarna Dispute Department and they continue to insist that I own them {$1700.00} even when presented with receipts that the money was refunded back to them. This dispute has been on going since XXXX till today.
Product: Debt collection

I am requesting a verification of debt from this debt collector that continues to harass my family and I by making false allegations of erroneous amounts being owed. 

VIA CERTIFIED PRIORITY MAIL TRACKING NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX ( XXXX ) XXXX RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX, XXXX XXXX OFFICES : On XX/XX/2022, one of your employees or agents contacted me on behalf of your company and claimed that I owe a debt to XXXX XXXX XXXX, XXXX XXXX OFFICES, AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under ACCOUNT & PROPERTY ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Florida [ XXXX ]. 

At this time I would like for you to make a note that I am disputing this claim and that I do not believe I owe this inaccurate balance. This is the first allegation of any debt being owed via your correspondence on XX/XX/2022. I have never received a bill from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX regarding any debt being owed whether expressed or implied. 

Your continuous harassment with letters & such conduct has caused my family and I to suffer severe humiliation, embarrassment, emotional distress, and physical discomfort, defamation of character within our community and mental anguish. Not to mention our household has been severely impacted by hurricane Nicole and Hurricane Ian and are currently under a State Of Emergency in the State of Florida. 

Please take note that any future unsolicited forms of contact will be reported as a violation of 15 USC 1692c of the Fair Debt Collection Practices Act for debt harassment and unfair collection efforts in the attempt of collecting said debt. 

I HEREBY DEMAND THAT YOU CEASE AND DESIST all future contact with my family and I and that you update your records immediately. If action is not taken by you to cease and desist within 30 days from receipt of this letter, I will have no choice but to take appropriate legal action against you including but not limited to filing a report against your company under the Fair Debt Collection Practices Act. 



Very truly yours,, XXXX XXXX XXXX, XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) Enclosure : VERIFICATION OF DEBT REQUEST
Product: Credit reporting or other personal consumer reports

I am applying for a home loan and the bank can not pull my Equifax and transition report and score and when I call transition and Equifax they keep transferring the call over and over and telling me that there's nothing wrong and that I have to wait 24 to 48 hours for the system to reset and all of these lies just so they can hang up the phone with me without helping me I desperately need the CFPB to help me with this urgent matter so I can pull my credit report and get my new home loan!.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia Formal Dispute Regarding Inaccurate information on my credit report : Dear Experian, I am writing to formally dispute inaccurate information on my credit reports that is impacting my financial well-being in a negative way. I am aware of my rights under the ( Fair Credit Reporting Act ). I am requesting a thorough investigation into these inaccuracies as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without an explanation. 
Failing to notify consumers about investigations results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. 
I am concerned that my disputes have been handled in a similar manner. ( Please see inaccurate reporting below ) XXXX. XXXX XXXX XXXX I never had any business nor contracts with this entity. I with through legal representation such as XXXX XXXX and had it removed and Experian place it back with no explanation. I am currently suing this entity and have trail date scheduled for XX/XX/year> XXXX. XXXX XXXX XXXX is an unrecognized entity that I believe I never had any business with nor legal contracts that permitted my use of personal information to them. 

XXXX. XXXX XXXX XXXX obtained my information illegally and I never had any business or contracts with this entity. 

XXXX. A list of closed accounts that should be removed of my credit that are XXXX old and late payments should be removed as they are outdated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On Tuesday XX/XX/year> i deposited a check for {$11000.00} into my XXXX account from XXXX XXXX  because they wouldnt allow me to cash even part of it. XXXX XXXX sent the money to XXXX bank on Wednesday the XXXX. XXXX is with holding access to my money from me until the XXXX because they have a hold on it, even though they have already recieved the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX, to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX Date Updated : XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX, MD XXXX Date XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX  XXXX BalanceOwed : {$0.00}, XXXX  XXXX XXXX Owed : {$770.00}, XXXX  XXXX BankruptcyDischarged Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXXXXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX : XXXX XXXX  XXXX Balance Owed : {$410.00}, XXXX XXXXBankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

I C System has a collection on my credit from XXXX XXXX ( original creditor ) in the amount of {$730.00}. This account was confirmed to me on XX/XX/XXXX by XXXX XXXX as a closed account as of XX/XX/XXXX. IC Systems is reporting the account to all credit bureaus as open with a delinquent date of XX/XX/XXXX which I C System stated to me was the date they were hired by XXXX XXXX. I have disputed the status and delinquency date on credit Karma with I C systems 4 times and they have repeatly informed both the status and delinquency date they have reported is correct. I reached out to I C Systems directly on XX/XX/XXXX and informed them of the false information they keep reporting on my credit reports. I also informed them according to FCRA the date of delinquency has to be the date given to them by the original creditor. They informed me that the Credit Bureaus are not updating my information. That they are reporting the account closed and the delinquency date as XX/XX/XXXX which I know is lies. I C Systems refuses to report my information accurately to the credit bureaus and refuse to update their reporting of my credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  is reporting a derogatory account on my credit report. I mailed  XXXX   XXXX  a letter requesting validation bearing my signature, showing a contractual obligation to pay them. They never sent back any supporting documents, only a letter stating everything is accurately reported. They also failed to mark my credit report with a " disputed by consumer '' remark within the ir 30 al lowable days.
Product: Debt collection

I received a gas bill collection notice from a recovery company stating I owed over {$2400.00} for a past due account. When I called the recovery company they told me it was for an address related to my husbands business. When I told them of their error the man on the phone told me that I was liable for the account under the Family Necessities Act. Basically that I am liable for anything that relates to the household. He then told me that I would need to call an attorney as they were moving the account to a judgment against me. 

When I reviewed the Utah Law, it is clear that if this were for our home gas bill I would understand. But he would not listen to my complaint even though on their billing notice it says XXXX XXXX  XXXX XXXX. Again, clearly indicating he was in error. The account itself says commercial. 

The address in the account when XXXX shows it is a business - not a home. I cant afford an attorney and want them to clear up the confusion rather than telling me they are filing a judgement against me.
Product: Credit card

Hi, This is regarding what appears to be a violation of the Fair Credit Billing Act. I am an XXXX XXXX small business credit card holder. On XX/XX/XXXX I was charged {$11000.00} by a vendor with the merchant XXXX for custom-sized doors. Upon receipt of the goods, I realized they were made to the improper size ( specified in written agreement ), among other misleading/fraudulent practices by the merchant, who failed to rectify the situation. So I submitted a dispute with AmEx to get the charge refunded.

I sent all requested and necessary proofs documenting this dispute to AmEx, including detailed photos and explanation of the incorrect goods. I have waited 4 months for AmEx to process this dispute ; AmEx said they were waiting on the merchant, which is a XXXX corporation and difficult to reach at times. Because of this and constant miscommunications with AmEx, I have had to resubmit this dispute several times, most recently on XX/XX/XXXX. 

Finally on XX/XX/XXXX, I received written confirmation from American Express ( attached ) that this dispute was resolved in my favor and that I would be receiving the credit on my account shortly, as well as email confirmation. 

However the next day, I received a message from AmEx saying this dispute was closed and NOT resolved in my favor, contrary to their previous confirmation. When I explained to the representative that I was already told that this was closed, they denied their previous confirmation and said it was a mistake. So I then asked them to provide documentary evidence as to why, but they did not. 

As of today, it appears that AmEx " reopened '' this case without providing any required and requested documentary evidence of why they closed the case against me in the first place. ( They instead request documentation from me, which has already all been uploaded as you can see under Previously Uploaded Documents. ) I request a resolution in which American Express honors their original confirmation that this dispute was closed in my favor by crediting my account for the full amount of {$11000.00}. I also request they remove any and all interest charges from this disputed amount over the 4 months its taken to resolve. 

Thank you. 

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

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX 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 604 A section 2 : 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 am a XXXX woman who worked very hard to purchase my first home. I also worked very hard to qualify for my interest rate of 2.5 %. I made all of my payments on time for over a year including extra until XXXX. I found myself with my job 's hours reduced and thus struggling to make my monthly payments. I never fell behind. I applied and was approved for XXXX XXXX XXXX program through the state of Ohio. They agreed to pay my mortgage from XX/XX/XXXX through XX/XX/XXXX. Around the first part of XX/XX/XXXX, I contacted my mortgage company to inquire about the payment and mentioned if that payment was not made, I wanted to make it because I did not want my credit to be impacted. The mortgage company assured me that while I am in the program the mortgage company is not able to report late payments to the credit bureaus. Since I have been placed in this program, I am unable to view my account online, I am no longer able to make any payments on my account to protect my credit and the mortgage company has been reporting my mortgage as late for the last 3 months. My credit score, that I worked very hard to maintain, has tanked XXXX points. If I had known that this was going to be the outcome, I would have just worked more jobs and not asked for help. At the end of the program my credit is going to be shot. I would like some help in getting my credit report corrected. I have asked the mortgage company to do the things they say they are going to do and correct my credit report. I have gone through the credit bureaus and disputed the late payments, and the mortgage company is obviously stating they are accurately reported because they are never removed or updated. Please help me correct this situation.
Product: Debt collection

For the last seven years I was in foster care. Last summer at XXXX years old I signed myself out and was forced to stay with my estranged father and stepmother. This was out of financial necessity. I was told that we were going to XXXX store for a family plan. I assumed that it would be in either my father or my stepmothers name. When signing the contract for XXXX I was told that it was for just my phone. Instead I was signing a contract for XXXX smart phones. I did not realize this until about a month later when I got the bill. Any attempts that I made to rectify the situation failed. The other people in the contract refused to help pay the debt and let their phones default. I was nave and had no idea how to fix the situation. I did not want to ruin my credit so I called XXXX and made payment arrangements for a bill over {$2000.00}. I recently lost my job and was unable to make a payment and XXXX sent my account into collections. XXXX refused to negotiate and I do not feel that is my responsibility to pay the full debt. I feel that XXXX was negligent in that the XXXX representative at the store did not explain to me what I was signing and did not contradict what my father had told me. I feel that I was taking advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020 during process of purchasing a home my credit utilization was 50 % on a Capital One credit card. I was advised to do a dispute for balance since card had been paid down to XXXX. Dispute was done through XXXX XXXX. On XX/XX/XXXX my credit score dropped 115 points. After calling Capital One they said to contact XXXX  which I did. They notified me that Capital One never responded to dispute so they legally could remove the card. I called Capital One two more times even speaking to supervisor and they confirm responding to XXXX. 
Also XXXX  said to just tell Capital One to report and we will add back. Capital One did report on XX/XX/XXXX and XXXX saying did not get it. 
I am at a loss as I need this added back to move forward with mortgage and XXXX  is in no way helping. They are being reported to as other agencies are getting the info.