23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I visited a website operated by XXXX Limited-Life to buy XXXX oil they advertised. The deal was that a {$6.00} shipping only charge would be debited for a sample of the oil. 

I entered my debit card information and instead of the site bringing me to a confirmation page as normal sites do, it took me to a page that asked if Id like XXXX  pills as well. I skipped that page and it went to a page asking if Id like to purchase their XXXX cream. I skipped that too and it took me to a page asking if Id like to buy a XXXX enlarger! 

I immediately exited out of the site all together, realizing it was a scam - NEVER confirming any purchase at all. 

A few days later, I received a sample bottle of oil, a bottle of pills and probiotic pills ( which were never even on the site! ) I checked my bank account and I was charged the {$6.00} listed as XXXX , another charge from that entity for {$6.00} and another charge for {$2.00} from XXXX XXXX Offer. - Then, on XX/XX/XXXX my debit card was debited for {$110.00}. 

I called the number reflected on my bank transaction detail and explained to the girl ( XXXX ) that I didnt agree to any of these charges. She assured me that the charge for {$110.00} would be refunded and not to send back the products. She said that she would speak to upper management and make sure the account would be closed and that the recurring charge would be stopped. On XX/XX/XXXX, I received the {$110.00} credit along with the {$6.00} ( one of the original shipping charges ). 

On XX/XX/XXXX, I received a letter from the collection agency National Medical Administrators , Inc. ( ref # XXXX ) demanding the {$110.00}. When I called this company and spoke to XXXX on XX/XX/XXXX, she informed me that this account was never closed by XXXX and that I owed this charge. 

XXXX  willingly refunded the money to me so they obviously conceded that this transaction was complete. 

After reviewing XXXX complaints about these two companies its clear that they are working together, and I realize that this is one large scam that is repeated almost exactly each time. National Medical Administrators hides behind the fact that theyre a third party and have nothing to do with the original transaction, but they continue to do business with XXXX. This indicates to me that they are willing participants in this scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is the medical company stating I owe them but they closed during the pandemic. There was no phone number, email, social media account or way to contact them. I was on a payment plan and could not get an updated bill. I have reported them with the XXXX ( if you look you can see so have many other people ) and event at the state level in XXXX where it was located. XX/XX/XXXX XXXX XXXX XXXX XXXX sent me a collection bill. Within days I sent a dispute letter certified mail. I then saw on my credit report had a collection listed for Transunion from XX/XX/XXXX. So they had reported me to the credit bureau before validating the debt within but it is under a different company called XXXX XXXX XXXX XXXX which I have not received communication from before. XXXX did not respond within XXXX days to my letter. XXXX just now ( XX/XX/XXXX ) sent me the first correspondence not addressing my letter but a bill statement amount different than the credit reporting amount.
Product: Credit card

First off my card was locked. I went to pay for my room. I only unlocked my card to pay for my room. The man told me there wasn't enough money on my card to pay for it. I said hold on let me check. That's when I saw a charge on my statement saying that I purchased some items from XXXX. I don't even use instacart. I've been going through with Cash App since the XXXX of XXXX. They keep denying my claim. I even have proof of it, where the instacart order went to, what the person bought, and a statement from XXXX stating that I did nothing fraudulent. Cash App keep insisting that I made the transaction when I didn't. I've sent them proof. I just got off the phone with who supposed to be the XXXX and he told me they denied my claim again even though I sent them proof that I didn't. I ask them to send me proof that I violated their terms and agreement, they didn't. All they keep email me is a copy of their terms and agreement. That's not proof. I need my {$84.00} back and for my Cash App account to be re-activated. I even have proof of what items they brought. The person who supposed to be the XXXX told me that they see my proof but my claim was still denied. I'm not understanding. And they wonder why they keep getting sued. Please help me get my money back? And don't let them you guys any lies. Because that's what they are going to do. If you want me to send y'all my proof, I will.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am writing with great concern about inaccurate information about my credit history being used to determine my FICO Credit Score. My FICO credit score used to be in the XXXX, now recently it has fallen to XXXX without any changes to any of my credit reports. I have contacted both XXXX  and, most recently, Experian to try to correct this matter to no avail. 

I have always taken my financial credit history very seriously and have been very diligent in paying all of my debts off in a timely manner throughout my entire life. I have never even had a late payment and certainly not a delinquent account, contrary to the information Experian and XXXX are using to create my credit scores. Somewhere along the line, data about me has been entered incorrectly or files have been merged with someone elses information. 

I called Experian about this problem on XX/XX/XXXX of this year and they were unable resolve anything for me. They asked what account information on my credit report with them was incorrect, but that is the issuemy entire credit report is clean without any negative marks against me, which is not reflected on the FICO credit score they are giving me! 

They were not able to find any negative marks against me on my credit report, but acted like these scores are carved in stone tablets and only the hand of XXXX could change them. They gave me some convoluted maze of logic about the FICO Score Model they use, ignoring the lack of negative information about my history. 

One of the Customer Service reps at Experian told me to get help from a Financial Credit Advisor, insinuating that it is my lack of financial responsibility, when in reality, it is their lack of accuracy and responsibility in safeguarding US citizens financial welfare. An everyday citizens ability to buy a home, vehicle, insurance or get a loan depends on these companies being accurate with these FICO scores. It is the fault of management of these Credit Bureaus for their employees carelessness in handling peoples precious financial information and lack of training in correcting their mistakes. They are great at trying to upsell you on monthly credit report services or somehow boosting your score by paying for it. Try just adding the correct information into peoples files in the first place. 

We are all well aware of XXXX carelessness and lack of security that exposed millions of taxpayers financial information to identity theft. I guess this carelessness is systemic to that industry. Eventually, I hope the US Congress steps in and restructures the way these companies operate. 

I had no other alternative than to pursue this issue through an official government complaint. I have attached my credit reports and screen shots of my credit scores as evidence to support my claims. Your attention to this matter would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax leaked my personal information to unknown parties after being compromised in a cyber security hack
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2017 submitted disputes to XXXX XXXX and XXXX - as of today I have not been informed of the investigation results. I have not received an updated credit report, and I have not had anything that was disputed corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called originally to check about getting a loan. I was transferred to an Attorney who explained to me that the company would be able to help me with my Credit. At that time I was told I could cancel their Services at anytime. After explaining to me what was involved I told Him during this phone call that I did not want their Services because I am on a fixed XXXX income and I could not afford their Services. I do not remember the Specific date of this phone call, I believe it was toward the end of XXXX. Lexington Law proceeded to work on my file after I specifically told them I did not want their Services. On XXXX a charge to my Bank Account for {$100.00} and on XXXX a charge to my Bank Account for {$19.00} for Services rendered.. I was completely surprised and I called the Lexington Law Firm and was told I would receive a call back of which I did not receive. I then sent them an Email explaining that I had cancelled their Services and to post the Money to my account on XXXX. I got a return Email from Lexington Law Firm saying that they cancelled my account but that I may be charged more money for Services rendered. My account # XXXX with Lexington Law Firm.
Product: Credit reporting or other personal consumer reports

Considering these unauthorized inquiries, I kindly request your prompt attention and investigation into this matter. I am confident that your institution places great. 
importance on customer satisfaction and security, and I trust that you will take the necessary steps to resolve this situation effectively. 
As a first step, I would appreciate it if you could provide me with details. 
information pertaining to the alleged accounts, including any associated. 
transactions, applications, or account activities. It is crucial that I review this. 
information to assist in the investigation and help identify any fraudulent activity that may have taken place.

Furthermore, I kindly request that you suspend all activity and remove the related.

alleged accounts immediately, including any associated fees, charges, or penalties.

I expect that no adverse actions will be taken against me due to this unauthorized account activity, as I am not liable for any actions taken without my knowledge or consent.

I understand that resolving this matter may require some time, and I am prepared to cooperate fully during the investigation process. However, I kindly request that you keep me updated on the progress and provide me with regular communication regarding. 
the steps being taken to address this issue. 
Please be assured that I have taken immediate steps to protect my personal and financial information. I have changed my passwords, enabled additional security. 
measures, and alerted the relevant credit bureaus to monitor my credit reports for any suspicious activity. 
I want to express my sincere hope that this situation can be resolved amicably and swiftly. I believe in the professionalism and integrity of your institution and am. 
confident that you will manage this matter with the utmost attention it deserves. 
Should you require any further documentation or information from me, please do not. 
hesitate to contact me at the phone number or email address provided above. 
Thank you for your immediate attention to this matter. I eagerly await your response. 
and a resolution to this concerning issue. 

XXXX XXXX inquiry date XXXX
Product: Mortgage

The lender has failed to postpone the sale date on this file during the review taking place for a loan modification - We were advised the decision will be made on XX/XX/XXXX - this is considered Dual tracking and is a violation of Reg X guidelines - the lender is also not allowing for an appeal period after the decision is made, which is another violation of Reg X. We also have been given incorrect information regarding the file and being serviced transferred as of XX/XX/XXXX which is the current Foreclosure sale date on the property. This review has been on going since the beginning of XX/XX/XXXX with no decision being made - 2 other complaints have been entered regarding this client 's file due to the poor review of this loan and the numerous requests for additional docs that have been satisfied through letter of explanation being submitted regarding the requested information. The reps we speak with also provide incorrect information pertaining to the review and handling of the file.
Product: Debt collection

Wells Fargo already made debt settlement and they still want me to pay more paid XXXX XX/XX/XXXX was total settlement
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with  XXXX   XXXX  apartments. They have my credit report down with an eviction. They are saying I was on the lease when they tried to evict my father. My name and social should n't have even been on it considering I did n't sign the lease until after I moved in with parents. Now they are trying to nail me with an eviction that I was n't a part of. I need this fixed because it is messing up me trying to get into an apartment.     Since I was n't even on the list to begin with. It should have been under  XXXX   XXXX . Not  XXXX   XXXX .
Product: Money transfer, virtual currency, or money service

In light of CFPB lawsuit of the platform Zelle, I am writing to formally express my concerns regarding Zelle not properly handling any claims or disputes. Despite using Zelle numerous times, I feel as if my institutions have not adequately investigated any of my claims or disputes. I have been told by Zelle and my banking institutions that any lost funds were impossible to recover as well as it was impossible to track. The CFPBs findings indicate that Zelle has neglected me as a consumer and have allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Debt collection

I never had a XXXX XXXX phone I been using Wi-Fi for 3 years
Product: Credit card or prepaid card

I have tried negotiating to pay Zales the full original balance and have this account closed and removed from my credit report or updated to paid in full and late payments removed. Agents have hung up on me.
Product: Checking or savings account

XX/XX/2022 XXXXXXXX XXXX fraudalent transfer via zelle payment on XXXX XXXX  to XXXX XXXX. initialIy the payment was placed on hold for security reasons but was nevertheless confirmed.called XXXX XXXX to dispute as well as zelle but they did not agree to refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX CXXXX Account Number : XXXX XXXX XXXX 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
Product: Debt collection

Todays date:XXXX XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on  sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such  repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX , FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have pulled my credit report and found there to there to be inaccurate inquiries on my credit report. I have sent 2 letters via certified mail to Equifax Credit Reporting Agency requesting for the removal of these inquiries. This is my official complaint and last resort  before I seeking damages if these inquiries are not removed. It is to my knowledge that the FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following inquiries are related to none of the aforementioned permissible purposes.

1. XXXX XX/XX/17 2. XXXX XXXX XX/XX/17 3. XXXX XXXX XX/XX/17 4. XXXX XXXX XX/XX/17 XXXX. XXXX XXXX XXXX XX/XX/17
Product: Student loan

My loans are held by Fed Loan Servicing. I was approved for Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ) in XX/XX/XXXX and submitted a case on XX/XX/XXXX to have my payment history reviewed as I have made more than enough payments toward the forgiveness approval. My account/payment history has been under review since XX/XX/XXXX and I have not received any contact regarding the status of my payments or case. I want to know what is going on with my account and I want my loans forgiven. Today 's date is XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I just want to say that in regards to my last complaint I finally got my check in the mail today! Please remove the last complaint
Product: Credit reporting or other personal consumer reports

I filed a dispute with TransUnion on XX/XX/year> as of today XX/XX/year> its still listed as being investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX is being listed as charged-off/collections on all three of my credit reports effective XX/XX/20. This account was included in a Chapter XXXX Bankruptcy filed on XX/XX/20. Bread was notified of the bankruptcy filing on the creditor matrix. The Chapter XXXX automatic stays prohibits any act to collect, assess, or recover a claim against the debtor that arose before the case filing. ( Section 362 ( a ) ( 6 ) ). I insist that BREAD/XXXX XXXX XXXX cease all collection activities and PROPERLY remove the account in question or correctly notate " Included in Chapter XXXX wage earner plan. '' You can not charge off an account in an active bankruptcy case. By placing the debt in charge-off status and attempting to collect on it, they have violated the automatic stay. This is their only warning before I get my attorney involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX You are in a direct violation of the Fair Credit reporting act Nordstrom Visa Account number : XXXX XXXX XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states I have a 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 1666B : A creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.