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

I'm not late on these accounts. I want this late payment deleted from my accounts within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Please update.
Product: Debt collection

I received a letter from XXXX and I called to find out what this letter is about. They asked me my name and address, which I gave them. I also offered the account number form the letter. But they said they did not need that. Instead they asked me for my birth date. I did not want to give them this information. So, I asked them why do they need my birth date. They said to look up the account. I said I have the Account Number so you can look up using that. But they refused and then they hung up on me.

I have no clue why they are contacting me.

I am contacting my Health Insurance Company in this regard. But I have no way to let XXXX know this - as they hung up.
Product: Debt collection

Matter of fact there is no debt at all. After researching blogs online I came across, this company is a scam. My credit report is showing collection requested by XXXX. I called the XXXX and they very well confirmed that I 've no dues at all since I closed an account. 
My question to Bureau is, despite XXXX of similar complaints, how come this company is in existence. How to dispute and remove such disaster that has no roots ( base of claiming collection ). 

This is the company I am talking about. 

XXXX 

Why do they exist? Are they legit? And only combination ( pattern ) is with cable company only. That even is XXXX. 

This needs to stop. It took years to sharpen credit number and all of a sudden this disaster damaged number like anything. 

I never received any reminder or follow up letters as per law that tells that I owe any amount to XXXX. XXXX I paid it on time. This collection has came after a year and a half I discharged services from XXXX. 

Please do needful and please reply to my email, how can I remove this from my credit report. 

Thanks
Product: Debt collection

I filed whatever I can proved that I am not in the state while they open my card through capital one, but their decision still remain unchanged. What is the reason for that? Look through all the transaction that they have made. Its all in the state. As I mention previously. I am not in the state during that time. How am I suppose to used all that? And did you guys not check the date on all the transaction? And the time that I left the state. Please check it carefully. I also filed a claim through FBI website, for internet crime. ( I have attach it below ). Am I not clear enough with what happened? I do not get the point that the decision remains the same. Give me a reason.
Product: Money transfer, virtual currency, or money service

CHASE bank illegally and fraudulently sent my mortgage company money without my express written permission. Chase bank debited my account multiple times for same transaction and put my account into the negatives.
Product: Debt collection

I received services from XXXX XXXX XXXX in XXXX XXXX, LA in 2015. I asked for them to tell me how much it was going to cost so I could budget in anticipation of the treatments. I received a quote for how much I would have to pay based on them saying they checked with my insurance company. After my treatments, I was presented with a bill for an additional {$450.00}, which I had not budgeted for. At the time, I was recently unemployed. My insurance covered whatever they covered, but the additional amount came due during the time that was recently unemployed. I tried working it out with XXXX XXXX XXXX, but my unemployment was for an extended period of time. The accounts receivable person finally said that they would send it to collections. 

I received a bunch of phone call messages over the past twelve months from a telephone number in the ( XXXX ) area code that left messages saying that " ... a claim had been filed against me and to prevent further action to please call this number ... '' and they provided a number. The message didn't say who they were or why they were calling of who filed a " claim '' against me. Last month, a new derogatory remark showed up on my XXXX  credit report, and it was from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. I've been in the process of cleaning up my credit and paying off the three creditors I had past due balances with. This derogatory remark from XXXX XXXX XXXX has fouled up my otherwise newly-cleaned up credit. I want this remark removed or revised. I'd be glad to make arrangements to pay the balance. The menacing phone calls I received with no verification of who the calls were from or what the calls were for felt like a scam to me. I experience a breach of my bank account and credit card last summer and this past fall, so I am very wary of callers that don't identify themselves and those that want me to volunteer personal information over the phone to an incoming caller. 

Can you help with this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly Update all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following accounts, or inaccurate information, from my file immediately & send me the results to the address listed BANK XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX XX/XX/XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Identity Theft and Unauthorized Account - Request for Investigation and Resolution Dear Sir/Madam, I am writing to dispute an alleged debt that has been reported to your collection agency and to inform you that I am a victim of identity theft. I recently discovered the presence of this account on my credit report, and I am confident that it is a result of fraudulent activity. I request your immediate attention and cooperation in resolving this matter. 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of First Delinquency : XX/XX/XXXX Amount Owed : {$1000.00} I have attached supporting documents that demonstrate my innocence and substantiate my claim of identity theft. These include : 1. A copy of my official identification ( e.g., driver 's license, passport ) to establish my identity. 

2. Copies of my credit reports from EXPERIAN, XXXX, and XXXX, clearly indicating the unauthorized account and highlighting the fraudulent activity. 

3. Any additional evidence or supporting documentation that supports my claim of identity theft ( e.g., police reports, letters from other financial institutions acknowledging the fraudulent activity ). 

I understand that it is crucial to take immediate action to protect my rights and resolve this matter. Therefore, I kindly request that you take the following steps : 1. Initiate an immediate investigation into the reported account and provide me with a detailed response within 30 days, as per the Fair Credit Reporting Act ( FCRA ).

2. Cease all collection activities related to this account until the investigation is complete. Any negative reporting to credit bureaus should be suspended as well.

3. Provide me with written acknowledgment of my dispute and confirmation that you have received the attached documentation.

4. Share all relevant information about the alleged debt, including the original creditor 's contact information and any supporting documentation you possess.

I must emphasize that I am not responsible for this debt, and it is vital that you rectify this situation promptly. I expect your full cooperation in investigating this matter thoroughly and providing a resolution that clears my name from any association with this fraudulent account.

Please note that failure to comply with my request or the continuation of collection activities on this account may result in legal action being taken against your collection agency. 

I can be reached at ( XXXX ) XXXX or XXXX should you require any additional information or documentation. I expect your prompt attention and resolution of this matter. Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX XXXX XXXX DOCUMENTS BELOW : DL ( PROOF OF IDENTITY AND ADDRESS ) SNN ( PROOF OF IDENTITY ) POLICE REPORT ( PROOF OF REPORTED IDENTITY THEFT ) BANK STATEMENT ( PROOF OF ADDRESS ) PHONE BILL ( PROOF OF ADDRESS ) CREDIT REPORTS ( FROM ALL 3 BUREAUS )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th 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 alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XX/XX/2022 XXXXXXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelles approach to dispute resolution, especially in light of the recent CFPB lawsuit, which has uncovered significant flaws in the platform 's operations. Despite making multiple transactions and reporting discrepancies, neither my financial institution nor Zelle took appropriate steps to investigate my claim. I was informed that recovering the lost funds was not possible and that tracking the transactions was not an option. The CFPBs findings indicate that Zelle has failed to provide adequate consumer protections and has allowed repeated fraudsters to exploit the system, leaving users exposed to scams. This lack of accountability and transparency is highly troubling, raising serious doubts about the platforms ability to protect consumers and ensure their security.
Product: Mortgage

Without question working with Essex has been the most reprehensible experience of my life. My family and I began the process of a loan modification even though we had not missed ANY payments but were in an extremely bad financial situation. This was approved and then went through to a payment plan that could then become a modification if fully completed. We never missed a payment ( still never have ) and we were supposed to receive paperwork to make it permanent. Ok, great. Except, in the process Essex switched service providers and apparently lost every record in the entire world in the process. So Essex has sent us letters saying we owe anywhere between XXXX months additional mortgage payments ( we do not owe any ). Even worse every single time I call to make our housing payment ( which is XXXX because you can never connect with an actual service rep ) I ask about our modification paperwork and each rep tells me they dont know why it wasnt sent blah blah blah. I give them a record number and they cant locate it. We are going on 5 times asking for the paperwork. Never received it. In the meantime they reported to our credit that we are XXXX months behind ( again WE ARE 0 MONTHS BEHIND ). So finally we get a letter from Essex, saying that were rejected for the loan modification because we have no outstanding loan balance???? So what is it actually then Essex if we dont have any outstanding balance and that disqualifies us, then great but fix our credit for the love of XXXX. And if not then good lord send us the paperwork. Essex I hope you get in contact with us ASAP to resolve this, because truly if we dont find a resolution we will absolutely seek legal action. This is the WORST mortgage company, do NOT go through them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a authorize user on several of my husbands accounts and his accounts appear on my credit report as an authorize user. Beginning in XX/XX/XXXXI noticed everytime a payment was reported on his accounts that Equifax removed me as a authorized user. As a result of this action, my credit Utilization has decreased over {$62000.00} and decreased my credit score with Equifax several points. The other two bureaus ( XXXX and XXXX ) are reporting all authorized user accounts correctly, only Equifax is mishandling these accounts. I called Equifax and after an hour on the phone, they refused to do anything to correct this major issue. My husband called each creditor effected by this error and all 4 companies indicated that they had submitted the information correctly and that nothing had changed on their end and the problem is Equifax. The accounts impacted are : XXXX XXXX XXXX. Credit Limit XXXX XXXX XXXX Credit Limit XXXX XXXX XXXX XXXX Credit Limit XXXX XXXX XXXX Credit Limit XXXX This continued error is impacting my credit score and I 'm very concerned lenders will begin lowering my over all credit due to the drastic reduction of my credit.
Product: Credit card or prepaid card

This horrible bank closed my accounts when I told them I have a disability which caused me to not remember calling them To report I dont have my card when my mom was using it with my permission Im on medication now for this medical condition I have but they still chose to close everything they dont want me As a customer anymore its very sad after years of being with them this is the first time this has happened
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX ACCOUNT # XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Unless the creditor has adopted it reasonable procedures designed to ensure that each periodic statement including information required by ( Section 1637 ( b ) ) Is mail or delivered to the consumer not later than 21 days before payment due date. There are certain clear and conspicuous disclosures that this creditor was supposed to provide me with 21 days prior to my statement due date that I didn't receive which is a violation of 15 US code 1666b.

Also 18 US code 8 states that the obligation of this day is already paid for by the United States.

12 CFR PART 1026.11 ( a ) CREDIT BALANCES. when a credit balance in excess of one dollar is created on a credit account ( through transmittal of funds to a creditor and access of the total balance due on an account, the rebates of unearned finances charges, or insurance premiums, or through amounts, otherwise two or held for the benefits of the consumer ), the creditor shall : 1. Credit the amount of the credit balance to the consumers account.

2. Refund any part of the remaining credit balance within seven business days from receipt of a return request from the consumer.

3. make a good faith effort to refund to the consumer by cash, check or money order or credit to a deposit account of the consumer. Any part of the credit balance remaining in the account for more than six months no further action is required if the consumer current location is not known to the creditor and can not be trace through the consumers last known address or telephone number.

This creditor is in violation of 15 US code 1692 J for furnishing certain deceptive forms creating a false belief into consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to allegedly owes such creditor, when in fact such person is not so participating. Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under ( Section 1692 K ) For failure to comply with a provision of this subchapter.
Product: Checking or savings account

I had identity theft issues after my purse was stolen with my phone and wallet. 

Charges were made to a company names XXXX I reported it to Citizens bank and contacted the company who said they closed the account that was opened in my name along with the card that was opened in my name. 

The bank reversed the provisional credit on Friday of {$1800.00} without even alerting me or asking for additional information. They closed the claim and refuse to look into it further. I am a single mom - and now have an account with negative XXXX. It's XXXX- the bank refuses to let me talk to the back office - and refuses to give me anyone else that may be able to help.
Product: Other financial service

I contacted  XXXX  for student loan consolidation and forgiveness. I am not sure how DOAN SOLUTIONS got my information, but I was contacted by them to send in documentation to finalize my request. I sent in the documentation and gave them information to take  three ins tallment payments from my account, thinking they were part of  XXXX . I called  XXXX  to ensure all documentation had been received and check status of my consolidation. I was informed that they had not received any documentation or any payments. I was also informed that the services being offered were free and that I should not have been paying and that my student loans were in default. I am not sure how DOAN SOLUTIONS got involved with this process.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year> XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>
Product: Checking or savings account

XX/XX/year> initiated XXXX transfer from XXXXXXXX XXXX XXXX XXXX XXXX to Chime. 
XXXX 2024, XXXX clears XXXX and is no longer a pending transaction. 
XX/XX/XXXX contacted chime asking where my transfer was, was assured that my money would be there that day, they could see the transfer. 
XX/XX/year> Been in contact with chime all day trying to get my money released been told many different stories, I have screen shots of everything and still no money. I have tried filing a complaint with supervisors who just hang up on or ignore me in the chat, seems like they stole my money
Product: Debt collection

Reached out to creditors via phone described XX/XX/2017 victim of identity theft and fraud ; provided police report. To date each creditor have not reverse credit card to good standing or deleted omission 's derogatory statements from credit reports ( XXXX, Equifax, and XXXX  XXXX  ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX  are still reporting an inaccurate account on my credit file. This account is over 7 years old and is well past the statute of limitations. Under the law they are supposed to respond to me and they have not. They have yet to provide proof of this debt and account or how they verified it is valid. 
It is not valid and it needs to be removed - XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Experian and XXXX are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX ( Original Creditor : EXXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX : {$850.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$530.00} ; XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$380.00} ; If Experian and XXXX feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney.SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to the credit bureau letting them know that the information on my credit report for XXXX  and Experian is reporting inaccurate information on my credit report. As a result of this information it is putting a strain getting approved for other loans and jobs and this is the only thing effecting it. XXXX XXXX  is reporting incorrect information to the credit bureaus XXXX  and Experian. Its not just inaccurate information but the two reports are saying two different things. I have told XXXX XXXX  about this and the credit bureaus. I have not ever been in foreclosure. I would like for these accounts to be deleted as XXXX  has investigated and deleted this inaccurate account. If this issue is not resolved I will begin litigation process to the fullest power. i have already contacted a lawyer and was told to try this process XXXX last time. It is the bureaus job to report 100 % accurate information and clearly they are not when comparing the reports. I ask that you follow suit and delete these accounts immediately XXXX account # is XXXX Experian account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account number : XXXXXXXX XXXX Account number : XXXX, XXXX XXXXXXXX Account number : XXXX, XXXX XXXXXXXX Account number : XXXXXXXX XXXX XXXX  Account number : XXXX, XXXX XXXXXXXX Account number : XXXX, XXXX  Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXXXXXX XXXX XXXX Account number : XXXX has violated my rights. 
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.