23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked.

I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX  XXXX -- XXXX # XXXX XXXX  # XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Your website is " broken '' and refuses to allow me to submit a personal statement! I am almost certain that this is done on purpose in order to hinder me from exposing corruption at Experian! They want me to send it in via postal mail as along with a ton of documentation. I'm not doing it! You motherfuckers are broke and owe me money! Not the other way around! I'm not jumping through your hoops! 

Here is the personal statement and attached is the screenshot! Update the file with it! It is XXXX characters. 

" I HAVE NEVER MADE A SINGLE LATE PAYMENT ON ANY DEBT I HAVE OWED ANYONE EVER! THE US GOVERNMENT IS COMMITTING FRAUD AND DEFAULTED ON ME NEARLY A YEAR AGO AND IS REFUSING TO RELEASE MY COLLATERAL! I AM THE CREDITOR, AND YOU ( ALL REGULATED BANKS, BROKERS, INSURANCE COMPANIES AND EVERYONE WHO HAS PREVIOUSLY EXTENDED CREDIT TO ME ) ARE NOW ALL IN DEBT TO ME! I WANT MY BITCOIN RETURNED IMMEDIATELY! THE SPOT PRICE IS FRAUDULENT AND THE BANKRUPTCIES ARE FRAUD! XXXX XXXX NEEDS TO BE IMMEDIATELY ARRESTED AND THE SEC NEEDS TO BE SUBPOENAED BY CONGRESS TO EXPOSE THE EXTENT TO WHICH IT WAS WORKING WITH XXXX TO DEFRAUD CREDITORS. I HAVE A MOUNTAIN OF EVIDENCE OF CRIMINAL WRONGDOING! " XXXX '' AT XXXX, NEEDS TO BE ARRESTED AS WELL. SEE YOU AT TRIAL XXXX! I AM NOT PAYING ANYONE UNTIL THIS IS RESOLVED! I AM SUFFERING AN ESTIMATED XXXX XXXX DOLLARS IN DAMAGES PER WEEK! I HAVE INCLUDED ONE SCREENSHOT OF ONE CONTRACT TO ESTABLISH STANDING AND FOR THE FBI TO BEGIN UNRAVELINGTHIS.IHAVEALOTMORE! ''
Product: Debt collection

XXXX XXXXXXXX XXXX  has closed and charged off my account with the total amount of {$1300.00}. It shows 2 discrepancies in the dates of the charge-offs. Also the debt was sold to a debt collector - Jefferson Capital Systems at some point that I am not aware who are calling family members and continually harassing me with phone calls and emails even after I have asked them for debt validation according to 15 U.S. Code 1692c, which they have not provided, and then I told them to stop all forms of contact to me and my family members. They continue to keep changing the phone numbers they call from and they have also violated the law of calling more than the allowed seven times within the allowable seven-day period.
Product: Checking or savings account

Haven't received a promo bonus for opening bank account, I have completed all requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, in the amount of {$1500.00} to XXXX XXXX XXXX XXXX. I paid for deletion and it is still on my credit report saying unpaid. 


On XX/XX/2020, in the amount of {$700.00} to Ad Astra. I paid for deletion and it is still on my credit report as unpaid. 

I have contacted the companies and all I get is a hold on then they hang up.
Product: Credit reporting or other personal consumer reports

Each credit bureau Transunion, XXXX and XXXX all have incorrect, illegal and fraudulent information on my credit report according to 15 U.S. Code 1681 e ( b ). Inaccurate info. Closed accounts. Old debt. Charge offs. Late Payments. XXXX, Transunion and XXXX are in violation of my consumer rights including identity theft.
Product: Credit card or prepaid card

I received the prepaid card issued by Bank of America as a rebate from XXXX in XX/XX/XXXX. I lost the card and tried to report it and then realized that the card has expired and the account has been closed in XX/XX/XXXX. There were more than {$200.00} dollars in the account and I was told that the money has been forfeited and I could not get the money back. I was told that the agreement states that and the Bank would take the money when the card expires. 

I certainly did not read the agreement but it is not reasonable to take my money when I forget to use it. My understanding is that this is the money that XXXX gave to me and I deposited in Bank of America. But the bank now says that it is only my money during this specific time period. It just does not make sense to me to have such clause.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputes information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts., as Experian s inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried multiple times to have my credit pulled by regional finance but equifax is stopping them from pulling my credit to give me a loan. This has gone on for several weeks.
Product: Debt collection

Received a letter in the mail dated XX/XX/19 from XXXX XXXX saying I owe XXXX $ to PayPal inc. I have never had an outstanding with PayPal inc and they confirmed this. Read online this company is trying to scam individuals and are reporting fake debts on their credit reports. I believe this is what is happening to me!
Product: Debt collection

I recently got a letter from a collection agency called portfolio recovery associates Llc. They claim that I owe them a debt of {$600.00} from an account they bought from XXXX XXXX XXXX in XX/XX/2011. That they are willing to take less than the amount they said they are owed but because the debt is over the statute of limitations they cant report it to the credit agencies. That they might take me to court to press me for the money, but if I just wanted to be rid of them I could just pay them now. 
I dont recognize the debt and I get at least one phone call a day from them. When I block their number, they call again from a different number. Everyday for over a month and they wont stop
Product: Checking or savings account

On XX/XX/XXXX, my account was hacked through Bank of America 's XXXX product. 
the hacker got into my account added his name and quickly withdrew two amounts. : {$590.00} and {$900.00}. I have submitted the claim twice, provided the additional information that was requested and the bank still comes back with CLAIM DENIED. 

This is my money that someone hacked into their program and got my money, Need to know what I can do to get my money back. I am not that rich that i can throw away almost XXXX dollars. 

All the bank tellers can say is sorry.. you never get to talk to the upper level making the decision. Its very frustrating. They advertise that they will protect your money ... .but they don't and when something goes wrong they just turn their backs on you, the customer, and someone says sorry.
Product: Consumer Loan

When I took out the loan with NetCredit in XX/XX/2014 I thought I would pay back the amount and be done paying them. Now after 57 payments of {$85.00} every 2 weeks I have only paid {$520.00} to the principal. The rest in all interest. The interest rate is 57.77 percent. Had I known this, I would never have agreed to continue with the loan. Here is the information from the loan paperwork. I just do not understand how a company can really do business like this. 

ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. 

FINANCE CHARGE The dollar amount the credit will cost you. 

Amount Financed The amount of credit provided to you or on your behalf. 

Total of Payments The amount you will have paid after you have made all payments as scheduled 57.77 % {$7100.00} {$3600.00} {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit card or prepaid card

This complaint is made against Discover it cashback credit card and their unfair business practices with regards to cashback redemption for eCertificate and access ( or lack thereof ) to the said eCertificate. On XX/XX/2019, I redeemed {$50.00} worth of eCertificate for XXXX XXXX for {$45.00} worth of Discover cashback dollars. I ended up canceling the dinner due to long wait and did not use this eCertificate. Today, I was thinking of using this eCertificate and found out that I can no longer access this eCertificate from Discover card website or Discover mobile app because the cashback Redemption History only goes as far as 2 years back. I called Discover customer service as typically staffs have access to the older transactions and data that is no longer viewable by the customer. I spoke with a supervisor and although she's able to see the transaction, she said there's no way for the eCertificate details to be retrieved because it expires 2 years from the redemption date. I'm left with no recourse at the moment : I don't have access to the eCertificate, nor I can request for the {$45.00} in cashback balance to be refunded as I'm unable to use the product that was purchased with the said cashback balance. I hereby attached the screenshots of eCertificate definition and XXXX XXXX XXXX terms and conditions that I obtained from Discover website, none of them mentioned about 2 years expiration as eCertificate/eCard has no expiration just like physical gift card. The fact that Discover is cutting customer access to eCertificate that they purchased after 2 years is an unfair business practice designed to make customers lose their hard earned cashback dollars. Access to eCertificate/eGift-card details should never be cutoff nor invalidated this way, as the way it is delivered to the purchaser is fundamentally different to physical gift card. eCertificate details are never sent/delivered to the customers over emails. Order confirmation email typically only contains a secure link to retrieve the details, so there should not be a time limit for accessing the eCertificate details if there's no expiration for the eCertificate itself. 
As reference to understand the significance of my loss here, in order to earn {$45.00} in Discover cashback that was used to purchase this eCertificate, a Discover card customer would need to spend at least {$900.00} in the bonus category that earns 5 % cashback or spend even more in non-bonus category that only earns 0.25 % cashback. Hence this is not a negligible loss, and this unacceptable and unfair business practice by Discover card shall be rectified by CFPB.
Product: Credit card or prepaid card

I received an email from Chime saying my account is now open and active under my name, billing address and email. They also sent a XXXX Credit Card to my home address. This was all alarming because I DO NOT have an account with Chime. I called them immediately to ask if they had my social security number linked to the account that someone else had opened and they told me they could not provide me with that information and they would just close the account and that I should just shred the credit card and " move on ''. When I asked to speak to their manager or someone that could help me further and provide me with an answer as to whether they had my stolen SSN # they simply replied " I can transfer you but they won't be able to help you either ''.
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies play a crucial role in compiling and assessing consumer credit information. It is essential that they fulfill these responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. The banking system relies on fair and accurate credit reporting, and unfair reporting practices undermine public confidence, which is vital to the banking system 's integrity. I never provided explicit, written consent for these consumer reporting agencies to report my information, violating 15 U.S. Code 1681b ( 2 ). This has led to alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
Product: Credit card or prepaid card

I received the card and the way you could pay was by using your bank information on the walebsite. When I started using it they changed the way you have to pay by going through your bank, which most banks do not allow. After my account was past due they then changed it back to the original way you can pay. They wanted the full past due payment. Of almost XXXX more then what it was. The website it XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX, I filed for Chapter XXXX Bankruptcy. All of my creditors were notified and, payments were made through the XXXX Trustee to all of my creditors. My bankruptcy was discharged/dismissed in XXXX XXXX. Today, XXXX XXXX, I received a phone call from McCarthy, Burgess, and Wolff, indicating that they were calling to collect a debt. A friend of mine also received a letter, addressed to me, from this company. I no longer reside at the XXXX location with my friend, but nonetheless, my friend notified me of the letter. The letter stated that they were collecting a debt from XXXX. I have documentation from the XXXX Trustee that XXXX was paid off through my bankruptcy. XXXX requires written request of pay off verification for which I can request to be sent directly to this company and/or XXXX from the XXXX Trustee. The letter from McCarthy, Burgess, and Wolf stated that the debt was " verified '', however, this is impossible given that the XXXX Trustee has already paid the debt on my behalf and I no longer owe. XXXX is also not reporting any debt to them on my credit reports. This company is attempting to collect debt from me that I do not owe.
Product: Credit card

Yesterday I went online banking and was shocked after XXXX charges from XXXX for XXXX and XXXX for XXXX pending transactions, that I have Not made.I called the Bank Bbva Compass To stop those payments and block my card. They told me that will send a dispute form, but they ca n't stop the payment To merchants. Later I searched for those companies, and XXXX has the phone XXXX Business hours XXXX-XXXX Mo-Fri Eastern time, so they are closed during the weekend.And for the XXXX company I could n't find any information. I do n't buy online on websites different from XXXX or XXXX, so I do n't recognize any of these purchases. I keep my credit card in a safe place and last time I used was Saturday XXXX XXXX, To book a hotel through XXXX, that I cancel inmediately after the charge was made because I had untill XXXX XXXX To make changes To the booking. 
If the Bank is Not Protecting me from these frauds, what can you do To HELP me? 
I Realty need to avoid the charges, even on Wednesday I called the XXXX To search for a merchant XXXX that was offering discounts during the weekend forXXXX. So I dd Not buy or even contact the Company. 
Best regards, XXXX XXXX
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 Finding indicates that Zelle has not only neglected to protect customers but also have allowed repeated offenders to exploit the system leave users vulnerable to scams. 

This lack of accountability and transparency is unacceptable and raise serious concerns about customers safety
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXXY ; XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX COLLEGE XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX  XXXX Balance : {$290.00} ; XXXX XXXX XXXX NA XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the accounts, as I continue to dispute the presence of fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report regarding these fraudulent accounts. Following my submission, both XXXX and XXXX removed these accounts from their records. I have also directly contacted the banks associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

This complaint relates to MOHELA account for XXXX XXXX ( account ending in XXXX ). I recently submitted a formal letter in XXXX XXXX stated that my qualified payment count was incorrect because I was allowed to improperly remain in forbearance for over 36 months. My file also includes a forbearance form submitted in XXXX XXXX attempting to document this period. My employer certification forms are still not up to date. I have hit well over 120 payments and should be due a refund from payments made after XX/XX/XXXX. I am at 185 eligible payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greeting, I am XXXX XXXX XXXX XXXX military. 
I was XXXX overseas for almost 5 year my home Mortgage was originally with XXXX which sold or transfer everything to Mr. Cooper. While overseas I suffered with many set back. 
1 ) my wife and kids get stock in the XXXX XX/XX/XXXX for 9 months with my XXXX XXXX XXXX due to XXXX while I XXXX and at the same time I had a leak in my house which take months to figure out. 
2 ) My XXXX passed away XX/XX/XXXX due to XXXX and I was contact by the XXXX XXXX for funeral arrangement while XXXX. 
I came back from the funeral back in XXXX. I suffered a back injury on XX/XX/XXXX for which I am in XXXX duty. Mr. Cooper contact me about the change changes which I explain to them I was overseas. They never never stop calling my and reported me to the credit bureau. I am respectfully ask to delete and remove the late fees from my record please. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Negative accounts was not verified. 

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 was victim of identity theft, somebody stole my personal information to open accounts.
Product: Debt collection

I received a debt collection notice from Credit Control regarding a XXXX XXXX account they claimed I owe. I immediately sent out the attatched form for debt validation on XX/XX/22. On XX/XX/22 I received a phone call from them telling me I owe money and how am I going to pay. This is in violation of the FCRA rules as I had not received anything back. I said I had requested validation and was told that YES they did receive it and it has not gone out yet. He then warned me to be on the look out for a thick package as they have all kind of paperwork and told me to make sure I have this XXXX number written down because once I get it I need to call them back and talk about paying. They are not supposed to attempt any kind of collection activity until they send me validation
Product: Debt collection

i do not know about this debt, they said its coming from a XXXX XXXX XXXX  and i told them i had finical aid and that paid for my school so its no way i owe them money.