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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$330.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$330.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

RFBCU has been reporting an account to all credit agecnies with incorrect information, i have disputed this and they responded stating the information reported is correct. The informatinon reported is not correct because the address listed does not belong to me I have attached a copy of the letter sent to RFBCU
Product: Debt collection

On XX/XX/2016 I attended court with XXXX XXXX XXXX XXXX was dismissed. The amount of XXXX was paid by check. This was the final amount to be paid. The case was dismissed XX/XX/2016. 1 year later the account was sent to collections stating I owe XXXX. Over the past two years I have made several attempts to have this debt removed from my credit. I called the creditor and informed them that this is not my debt and they still would not remove it. They gave me a account number that I do not recognize. When I told them this they told me that the case was mine and that the money was due in the amount of XXXX.
Product: Vehicle loan or lease

Filed Previous complaint with CFPB. They stated for me to make the payment that would catch up the payment then to call back after payment was made to make an arrangement on the remaining amount so it would not affect my credit. I called back and the collection department says i have to pay all by the XXXX or they will report me late to the bureaus. They are not keeping what they agreed to. This is covid and I cant afford to make the rest of the balance due byXX/XX/XXXX. Had I could of forseen covid happening I would have never took the extensions in the past. I am doing my best and willing to pay the additional off in the next 45 days but if A late shows up this could even cause issue with my job and cause me to lose it. I am asking for them to work with me on the lates fees and whatever else is left,
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with UN COLL XXXX  plus they did not provide me with the original application like I asked. 

Account No : XXXX** Amount Disputed : {$930.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus are reporting me late on closed accounts with Chase and XXXX XXXX which is incorrect. Ive disputed with each credit bureaus and the only one that has responded was XXXX but I didnt receive the requested documents showing where I was late from the credit cards reporting the late fees. I also called the creditors and XXXX is fixing the issue still havent heard back from Chase. Please remove the late payments or send documents from the creditors proving when I was late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2021, with follow ups disputes on XX/XX/2021, XX/XX/2021, XXXX, and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible..
Product: Debt collection

Phoenix Financial Services LLC furnished an alleged debt on my XXXX, XXXX, and XXXX credit report which is illegal & a violation of 15 USC 1692c ( b ), & 15 USC 1692b ( 2 ).
Product: Debt collection

This account is not mine, nor do I know whom it belongs to. 

I.C. SYSTEM, INC keeps placing collections on my credit, even when disputed thru XXXX on several occasions. 

This is the only information I have as shown in my XXXX  Credit Report : Original creditor : XXXX XXXX Amount : {$280.00} Collection opened : XX/XX/2019 Account number : XXXX hanks for your help!
Product: Debt collection

Companies involved : Merchants and Professional Collection Bureau ( XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) and XXXX, XXXX ( XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX ) I received a debt collection notice from Merchants and Professional Collection Bureau , Inc. that said I owed money to XXXX, XXXX. I never purchased goods or services from XXXX XXXX and was never contacted by this party with regard to any outstanding balances on purchases I did not make. My credit card information had been stolen some time ago and used by XXXX XXXX XXXX My credit card issuer was able to quickly verify that the those charges were fraudulent, so any attempt to collect on fraudulent charges. I believe this is another attempt by XXXX XXXX to commit fraud and/or allow a third party to fraudulently obtain financial information from me. 

Also, the communication appears to contain a " threat '' to report a debt that does not exist to the three credit reporting bureaus even though the amount in question is below a dollar threshold that would actually be relevant to those bureaus. In other words, the letter is cleverly structured to convince me to pay an amount that is trivial to avoid a scenario that won't actually impact me because the amount is trivial.
Product: Credit reporting or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXXXXXX. Please delete this item ASAP. Also please delete this inquiry : EQUIFAX MORTGAGE SER XX/XX/2023.
Product: Debt collection

This debt collector is not licensed in my state ( Florida ) therefore they can not collect debt from me.
Product: Debt collection

I paid off a medical debt from XXXX Hospital on XXXX XXXX, 2016 through a collector, XXXX XXXX XXXX XXXX XXXX XXXX. The settlement terms were that the " hospital and the patient release each other from all claims related to the charges for the above referenced account. '' This was for settlement in full. On XXXX XXXX, 2016, I was contacted by mail by Capio Partners that I still had a balance due on this same account with XXXX Hospital. Both Capio and XXXX said it was a mistake and my balance is {$0.00}. If I was an older lady, perhaps with XXXX, and the threat that my credit report may be effected, I might have paid this! It very shady and deceptive collection practices on both Capio and XXXX Medical Center.
Product: Credit reporting or other personal consumer reports

Good Afternoon to whom this may concern I still have questions regarding my account. I was unaware of the status of my account until it showed up on my credit report as of the end of XXXX. I have spoken with several representatives and sent emails regarding these issues. I was told that XXXX does not report good standing to the credit agency and that my status would be that way for the next 10 years. That is why I disputed with the agencies. I guess I was misses informed by my lawyer because I was told that this account was included in my bankruptcy and that they could be discharged because federal loans can be included in a person 's bankruptcy if the Judge agrees. I also was informed that XXXX is not a federal agency so that's why my loans became due, but then I'm told that these are federal loans. If these are federal backed loans or federal loans, repayment did not go into effect for federal loans until XXXX so why was I hit with late payments? It also comes at a time when I'm trying to secure housing for myself and children, and everyone knows they use your credit score. ; due to these repeated past due charges I can not find housing. This is very devastating to myself and my family. I'm XXXX yrs old and to have to go live with a parent in a XXXX apartment with XXXX kids is totally embarrassing. In the past I have never been late with any of my student loans, and I feel this is very unjust. XXXX has not reported anything to the credit agency regarding these student loans for years, then all of a sudden late and dropped my credit score XXXX points crushing my dreams and belief in the federal systems. Last question : How is it that if this is not a federal loan XXXX can use the federal IDR for these loans. This all is not fair, and it is ruining my life. I've been told that XXXX could remove the late payment status with a Goodwill letter. Is this possible in my case I have completed all forms needed for IDR and also looking to consolidate these loans, so this confusion doesn't happen again. XXXX does not tell the truth 1 rep says these are not federal loans the next rep says these are federal so why doesn't the federal law apply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account with XXXX 
Amount XXXX. 
To all my knowledge I have never seen nor used this account before.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding fraudulent information on my credit report as a result of identity theft. I submitted a block and delete request to XXXX, XXXX, XXXX pursuant to 15 U.S.C. 1681c-2, providing my FTC Identity Theft Report and all required supporting documentation.

Despite meeting the legal requirements for the removal of fraudulent accounts, the accounts remain on my credit report beyond the mandated four-business-day period for resolution.

I have attached the following documents for your review : 1. My original dispute letter to [ CRA Name ] 2. My FTC Identity Theft Report 3. Supporting documentation to verify my claim Thank you for your assistance. 

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

I started sending letters to XXXX XXXX on in XXXX of 2021 regarding a credit item reporting on my credit. Additionally, I have followed up with letters in XXXX and then in XXXX as shown in the receipts. I later followed up with letters to the credit reporting agency with complaints regarding that account. To date, I have not received any follow up or information related to my request. I have attached a copy of the letters as well as the copies of the receipts. No action has been taken to validate this debt and the different bureaus are reporting differing amounts.
Product: Credit card or prepaid card

Credit Card primary user information was changed to an out of State address without consent or knowledge of owner resulting in refused repeat transaction with a vendor. 

Financial institution was contacted in person the following day to initiate a fraud investigation. Account activity monitoring was initiated and credit card was cancelled. 

Financial institution replaced the credit card a week later with a new account number and continues to monitor account activity. The period report on activity is pending to determine if any fraudulent transactions were made.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting a debt that they charged off and can not legally verify belongs to me. I have no recollection of the said debt yet all 3 credit reporting agencies refuse to remove the debt after several rounds of dispute. None of the 3 credit reporting bureaus have provided any documentation with my signature nor anything that validates the accounts. They simply refuse to follow the FCRA section 609 guidelines. XXXX, Experian, and XXXX XXXX continue to willfully report this inaccurate information and severely affect my potential to receive credit. I have asked for copies of verification of the original contracts or bills singed by me, which by law, is my right. I have yet to this day to recieve such verifications on any dispute i have ever filed.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution require
ments 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, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

After several contacts with Comenity to pay off card, several agents confirmed removal of fees and claimed to set up payment plan to pay off card by XXXX. Balance was never adjusted, fees were never removed, and balance is still several hundreds dollars after completing payment plan. I have also been charged additional fees since last payment that was supposed to pay off card. Last payment was said to be approx {$40.00}. I set up auto payment for this and was charged approx {$60.00}. Recieved a call this morning stating that I had a remaining balance of approx {$200.00}, agent claimed to remove {$190.00} of fees that was previously promised but that I still have approx {$50.00} left. I was transferred to escalation and was told they would review calls. I dont believe them, they are professional liars that take advantage of struggling customers and mislead them in a way that causes more late fees to be accumulated and lowering of credit score.
Product: Bank account or service

XXXX XXXX. 2015 Chase Bank charged my account {$34.00} for an NSF fee. The account had a balance of {$780.00} and XXXX XXXX debits came in. XXXX for {$100.00} and the other for {$1000.00}. Chase paid the larger item first thereby allowing them to charge XXXX fees of {$34.00} each. 
The {$100.00} debit should have been paid XXXX and the {$1000.00} XXXX. This would benefit the consumer and Chase would not be able to charge for XXXX NSF items. Chase paid the larger item XXXX and therefore allowed them to charge XXXX fees of {$34.00} each. I called and asked Chase to refund the {$34.00} for the {$100.00} ACH debit. I was denied. 
Chase 's reasoning is that they had done the allowable courtesy refunds to my account for 2015 and was unable to perform any additional courtesy refunds on my account. 
Why is paying items when they come in based upon the money on hand considered a courtesy. I understand perfectly the charge for the {$1000.00} as the deposit covering that ach was not credited until XXXX/XXXX/15. I want my {$34.00} XXXX to my account.
Product: Debt collection

There's a couple of issues with this company and they continue to violate my consumer rights an illegally trying to collect on a debt that is past the statute of limitation for New York and I do not own. 

This company has inappropriately and repeatedly attempted to illegally collect on a debt I do not own. I requested VALIDATION of this debt twice on XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX and it was ignored by this company. 

Which my consumer rights were ignored and violated because according to law Debt collectors are prohibited from collecting on a debt unless and until verification is provided to the consumer within 45 days of receiving the consumers dispute. If the debt collector is unable to provide timely verification, it must give the consumer a Notice of Unverified Debt that complies with Rule 5-77 ( f ) ( 8 ). 

I never signed a contract with Transworld Systems Inc. and this company has failed to provide me a contract with my signature from the original creditor that you claim this debt is from. A bill from XXXX is not proof of a signed contract to validate this debt. 

The company failed to provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers contract that show I agreed to pay what you say I owe : with my signature. 

Under Rule 5-77 ( f ) ( 12 ), debt collectors must provide an additional breakdown if the consumer challenges or questions the accuracy of any of the line items included in the initial itemization. 


The Consumer Credit Fairness Act of 2021 statute of limitations for consumer debt collection in NY from is three years. Not only is the debt not mine its past the limitation. 

This debt collectors used unfair and abusive tactics to improperly collect a debt from me.
Product: Debt collection

Company claimed that the debt is mine. I never had an account with the company. They refuse to send me any information with my signature on it or original document/ contract with my signature on it agreeing to open claimed account. This false report is impacting my credit and ability to obtain a job and home.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern 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 finds was impossible and tracking these transactions was not feasible. The CFPBs finding indicate that Zelle had not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Student loan

My older loan company sold out to Navient. Navient decided without my consent to make my autodraft payments on the XXXX of every month. I have a schedule and it needs to come out at the ends of every month. When I called they couldn't reset my autodraft to the date i requested. After many phone calls the latest someone could make it was the XXXX of every month. That still doesn't make sense, since there are 11 other days of the month.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus show late payments on my credit report from several creditors between the dates of XX/XX/XXXX and XX/XX/XXXX. I was serving on XXXX XXXX at that time, yet no matter who I contact ( at the credit reporting agency or the creditor ) none of these organizations have respected my rights under the SCRA.
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed some unauthorized inquiries.
Product: Credit card or prepaid card

On 4 occasions over the past 2 months I have attempted to reach out to XXXX  to resolve a dispute regarding my credit card. My family and I suffered covid 19 and as a result lost several weeks worth of collective income. The service refused to work with us and had no provision for covid even though national forbearance and forgiveness plans did not expire until the end of last month. They immediately filed a negative credit report tacked on late fees and have begun harassing me with calls 2 to 3 times per day for the past 2 weeks.
Product: Vehicle loan or lease

Company continues to garnishment my wages for interest amount owed after principal has been paid in full and will not give me information about how the interest amount got to the amount that it is.
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 volatile 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, theyre dispute resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have cost significant inconvenience and financial loss, and I seek appropriate redess for these violations.