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

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX  XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am formally disputing the alleged debt reported by credit collection services on or around XX/XX/year>, in the amount of {$210.00} I have no contractual agreement with credit collection services nor have I ever authorized or acknowledged the validity of this debt. Additionally, I did not provide consent for this account to be reported to any consumer reporting agency, as required under 15 U.S.C. 1681b ( a ) for permissible purposes of credit reporting. Furthermore, my prior disputes regarding this matter have gone unanswered, which may constitute a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), requiring a reasonable investigation of disputed information. 

As this debt is unverified, unauthorized, and potentially erroneous, I demand its immediate removal from my credit file in accordance with 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits the reporting of inaccurate information. If this matter is not promptly resolved, I will be compelled to escalate this dispute to the appropriate regulatory agencies, including but not limited to the Federal Trade Commission ( FTC ) and also i will consider legal remedies available under the law.

Please provide written confirmation of the removal or, alternatively, furnish all supporting documentation that substantiates the validity of this debt. Failure to provide sufficient verification within the legally required timeframe may result in further action.
Product: Checking or savings account

I received an email indicating that I have a new message in online banking from Chase Bank. However, I've never had an account with them. So, I immediately called and a profile was located. So, I was told to call XXXX XXXX XXXX to file a claim on Monday. I called and was on hold for 2 hours and no one was able to connect me to the correct department. Please help!!
Product: Debt collection

sequium asset solutions Did not send out a letter in the mail During the 1st communication about the debt This violates the FDCPA Within five days of its first communication to you, the debt collector is required to send a written debt validation notice to you. ... The FDCPA allows the collector to include the debt validation notice in the initial communication if that communication is a letter
Product: Credit reporting or other personal consumer reports

SEE MY CONSUMER STATEMENT ATTACHED ALONG WITH THE FTC IDENTITY THEFT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXX Dear Experian, I wrote a letter to you dated for XX/XX/XXXX. This is not acceptable and I need a resolution immediately because its been 4 1/2 months since my complaint and you have not responded to me. I need you to remove information under my personal information that does not belong to me. 

Please delete the in correct addresses listed below : XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Delete the incorrect name of : XXXX XXXX XXXX I challenge the accuracy, compliance and reportability of the listing below ; XXXX XXXX XXXX ; Please investigate every piece of information is correct, If not ; please remove the whole account from my credit report. 

I trust that Experian will make sure only accurate information is maintain under my credit file. Lastly, once this investigation is complete. Please send me an updated credit report to : XXXX XXXX XXXX XXXX XXXX, CA XXXX Kind Regards, XXXX XXXX XXXX NOTE : In my original written request I submitted a copy of my photo ID.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial 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 card or prepaid card

on XX/XX/2020 Citibank Credit cards charged me {$1100.00} on my credit card as the minimum monthly payment. The minimum payment had consistently been around {$200.00}, but they took over {$1100.00} and caused my checking account to be overdrawn and charged overdraft fees of {$220.00} so far. When I called the Citibank they said that there was nothing they could do because the money had already been taken out of my bank account and applied to my credit card balance. To have this happen at the time of the coronavirus outbreak when I am experiencing reduced income is unfair. At this point I am unable to buy necesseties as my bank account has now has a negative balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having an issue on my credit report. I have reached out to the company ( Westlake Financial Services ) The person that Ive spoken with is very rude and does not want to help me with this issue. He has told me to let it go, move on. Meanwhile they keep reporting that the payments are late every month. I have The receipt I have sent the documentation to XXXX  they agreed that the payment was due XX/XX/XXXX. As of XX/XX/XXXX they are so reporting that I am late and negative remarks. I have disputed this with XXXX  maybe six times now I have tried dealing with Westlake financial and I feel as though they are just doing this now because they are upset at how many times I have disputed it. This was an account that I had cosigned for somebody and was not told that the payments were not being made. I settled with them and paid {$500.00}. The payment total was {$1000.00}. I have tried to call them saying that I would pay the remainder but they said I would not be able to do so because the account was closed. I have no idea what to do now all I know is that this looks terrible on my credit report and I need this to be taken care of for all three credit bureaus.
Product: Credit card

I first noticed someone opened a credit card with navy federal and I disputed it. XXXX went on they gave me the money back. Then later they added pretty much double of what was spent back to the credit card account.
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. 

Account Name : 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 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 604 A. section 2 states A consumer reporting agency can not furnish a 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: Student loan

I have had student loans with Navient for many years. When I applied for the Public Service Loan Forgiveness program they said that the school I worked at qualified but not the current loan I was in. I have requested Income Drive Repayment Loans for years but was denied.
Product: Debt collection

I received a bill from a " CBE Group, INC '' attempting to collect a debt on behalf of " XXXX ''. This date claims to be an amount of {$43.00} and includes a " service disconnect date '' of XXXX/XXXX/XXXX. 

I did previously have XXXX XXXX internet and cable service from XX/XX/XXXX through XX/XX/XXXX a standard 2 year agreement which was disconnected promptly at the end of the XXXX month. 

I attempted to contact XXXX directly to see if there were any outstanding charges on my account and they confirmed a XXXX balance from the account held XX/XX/XXXX- XX/XX/XXXX. 

After spending roughing XXXX minutes on the phone being transferred back and forth between XXXX " Customer Service '' and the CBE Group `` Customer Service '' and " Finance Department '' I was only able to be told that the {$43.00} was from " pay per view '' orders and ordered through the account associated with phone number " XXXX ''. I did research on this number as I did not recognize the number and found that the area code used " XXXX '' is not a valid registered area code in the United Stated. 

I formally disputed the charges with " The CBE Group , Inc. '' pm XXXX/XXXX/XXXX by written correspondence to their mailing address and would like for the debt to be validated prior to potentially harming my credit or before I make an unnecessary payments for charges of services I did not approve.
Product: Debt collection

To Whom It May Concern, I am writing in response to a recent indication regarding an alleged debt of {$670.00} discovered on my credit report. Please be advised that I am requesting validation of this debt, as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Specifically, I am requesting the following : Proof of the Debt : Please provide documentation showing that I owe the alleged debt, including a detailed statement or invoice, and proof that you are authorized to collect on the debt.

Assignment of the Debt : If this debt has been sold or assigned to your agency, I request a copy of the assignment contract or any other documentation proving that you have legal ownership or the right to collect this debt.

Original Creditor Information : Provide the name and contact information of the original creditor, including the account number with the original creditor, and any agreements or contracts related to the debt.

Itemized Statement : Please provide a full and itemized accounting of the amount owed, including any interest, fees, or other charges. 

Until I receive this requested documentation, I do not acknowledge this debt and request that you cease any further collection efforts until proper validation is provided. 

Cease and Desist Request : In addition to the above, please consider this letter as a formal request to cease and desist all collection activities, including telephone calls, written correspondence, and any other contact regarding this alleged debt. Please note that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and demand that you stop contacting me immediately unless the requested debt validation is provided or you are otherwise required to do so by law. 

If you continue to attempt collection without providing the requested validation, I will file complaints with the appropriate regulatory authorities, including the Federal Trade Commission ( FTC ), and my states Attorney Generals office as the Consumer Financial Protection Bureau ( CFPB ) has already been notified.
Product: Credit reporting or other personal consumer reports

I am writing to urgently notify you that I have fallen victim to identity theft, leading to several fraudulent entries on my credit report. These XXXX unauthorized accounts and XXXX inquiries were added without my knowledge or consent, and they must be addressed immediately. 

Accounts - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries- XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX - XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX  XXXX XXXX XX/XX/XXXX I have already filed an official identity theft report with the Federal Trade Commission ( FTC ), and I am demanding the immediate removal of these fraudulent items to restore the accuracy and integrity of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Experian on XX/XX/22 to update this suspicious information. I think they have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 


XXXX XXXX XXXX {$200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is stating I signed up for a product. Which I did, but I never received he goods. 
It was some XXXX that I never received. 
I have proved I never received the service because my teeth are still messed up. 
The other one is some account with att I have no knowledge of. I currently have att so therefor I dont know what the problem is. XXXX had deleted this items in the past and now they are back in my report. 
Experian, refuse to update it and believes the reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I used my coinbase wallet to store a cryptocurrency called XXXX XXXX I was storing XXXX XXXX  worth at the time {$1400.00} USD. Sometime yesterday someone transfered in roughly XXXX worth of etherium then transferred all of my shib out of my wallet. I have it set up to request a pin sent from coinbase to my phone for transfers out of my wallet. No requests were made or received. I have pictures of the wallet addresses that were involved. I suspect it was a coinbase employee.
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1681 b ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;
Product: Credit reporting

I had an amazon credit account that is derogatory on my credit reports I was told when I paid the account off it would be removed from my credit reports
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX there was no check return and their was never an agreement for an overdraft protection and the credit card company XXXX XXXX credit charge my account {$430.00} for service we did not ask for nor was their a bounce check in XX/XX/XXXX and there was never a bounce check and we believe bank defraud us out {$25.00} off the cost of the credit after paying the claim for overdraft that they mistakenly applied to the credit card to occur fees and interest.
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 der eptive as they did not comply with error ies ution 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: Debt collection

A collection was placed on my XXXX, XXXX and XXXX credit reports by a collection agency called XXXX XXXX XXXX with an address listed as XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX that states that they purchased a debt that I owe to CashNetUSA.com in the amount of {$260.00}. Supposedly this loan was initiated on XX/XX/2024. I have never opened an account or borrowed money from CashNetUSA. I have disputed this collection with all three credit bureaus as well as filed a complaint with the XXXX  against both CashNetUSA and XXXX XXXX XXXX. I have received XXXX communication from either party regarding this alleged debt and would not have been aware of the fraudulent collection had I not checked my credit reports.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON MY XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Product: Credit reporting or other personal consumer reports

XX/XX/ Unable to manage credit freeze without signing up for Experian 's premium service on their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX
Product: Mortgage

I went to the closing today at XXXX XXXX/Monday ; XX/XX/2021 and nothing was sent for me to sign to close on my home. 
I am also using the XXXX XXXX and it has not been put through.