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

I pulled my XXXX and XXXX reports on XX/XX/XXXX. They listed capio partners llc as a collection agency reporting a medical debt with a " date of first delinquency '' as XX/XX/XXXX. The original creditor as XXXX XXXX and original balance of {$940.00}. 

I have an older report from XXXX dated XX/XX/XXXX. They listed XXXX XXXX XXXX as a collection agency reporting a medical debt with a " date of first delinquency '' as XX/XX/XXXX. The original creditor as XXXX XXXX and original balance of {$940.00}. 

This fact alone leads me to believe that Capio Partners llc has re-aged the medical debt. On XX/XX/XXXX I called them at XXXX and dealt with a very nasty person named XXXX in reference to this alleged debt. He disregarded what I was attempting to say and continued to tell me that the only way they would delete the information was if I paid the debt and stopped stating it was alleged debt. 

Please help me. I need someone to fight for me. They have all the power to destroy my reputation and you seem to be my only hope.
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 infeasible. The CFPBs findings indicate the Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Ok first I was XXXX XXXX  from the XXXX postal service, the XXXX IRS has been illegally paying debts to the postal service and other credit card companies via tax refunds and stimulus. Now bank of America is sueing me in an improper junction in the XXXX XXXX. Since the state the debt was accrued was in XXXX prior to XX/XX/year>. They are supposed to sue me in XXXX XXXX I work or reside. They have sued me XXXX times now, XXXX times they failed to appear in court. In XXXX  they aren't allowed to sue on a debt passed XXXX years and have failed to prove the debt existed, I feel they picked a junction that may possibly award junction. Also they did a substitution to manipulate their failures to prove the debt. I'm also confused why I'm summoned to court XXXX prior times and the judge in XXXX XXXX  doesn't bother to even address me as a human being since they failed to appear. Seems like XXXX XXXX if you ask me and a an abuse of power by a judicial system sworn to protect my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

I was sneakily billed for their monthly service in spite of never signing up for it. Never gave them my credit card information. Also, never ever received an email confirming that I was subscribed to their monthly service, nor an email ever that monthly charges for the past 5 months are being levied on my account for my services. Very shady.
Product: Debt collection

I do not have a contract with ABSOLUTE RESOLUTIONS INVESTMENTS nor do I owe them any debt. On XX/XX/2023 I sent in a proof of debt validation as to how I owe them the alleged debt, my request was avoided, and updated it with the credit reporting agencies as verified but with no proof. Absolute Resolutions Investments does not have any license to collect in the state of XXXX which they are illegally trying to do as well as trying to extort me for an extension of credit. They also commit the offense of identity theft by using my non-public information without my consent and authorization fraudulently.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XX/XX/XXXX - XXXX - {$3900.00} XX/XX/XXXX XXXX - {$910.00} XXXXXX/XX/XXXXXXXX - XXXX XXXX {$1100.00} XXXX XXXX - XXXX - {$1300.00}XX/XX/XXXX - XXXX - {$2000.00} XXXXXX/XX/XXXXXXXX - XXXX - {$2700.00}
Product: Checking or savings account

I have set email notification for low balance. Bank did not send me email notification for low balance. Their system shows email notification could not deliver even though no issue with my email account. 
Next day I received email about overdraft fee charged. That email reception clearly shows no issue. 
This happen multiple times. Mostly on Friday email notification does not work and next day I get email notification about overdraft fee charges. I talked with Customer care and they tried to revert those charges their system shows its valid charges and they are unable to do it. 
Just to provide, no issues with email id, I have attached email received screenshot for 3 days. 

Please help.
Product: Student loan

I attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and I was successful in discharging my federal student loans through the Borrower Defense to Repayment program . Which was established to provide student debt relief to students who were misled, defrauded, or otherwise harmed by predatory XXXX  and XXXX  often, for-profit schools. But the program only covers federal student loans. Private student loans are not eligible for Borrower Defense relief, and XXXXEarnest refused to discharge my private loans because of a refinance to the parent company Earnest. Stating the loan is not a loan directly used for attendance at the school. I completed a refinance to release my cosigner off the loan of {$120000.00} and to also arrange a fixed rate to better my situation in repayment and to continue to be a good standing borrower. XXXX has been hit with several lawsuits also for lending malpractice where they forced borrower 's into forbearance instead of properly placing them into other affordable payment plans. I went into forbearance as directed until my time was maxed out. I was then placed into income driven payments which were still unaffordable. 

I've reach out to XXXX and Earnest multiple times for the pilot program school misconduct application and process which they have denied to give me every time. Sending a blanket statement to all those who have refinanced. Also stating they disclosed a section for federal loan alternatives and the loss of federal benefits that I acknowledged and signed at the time of refinance. I am not sure why this was emphasized as my loans through XXXX were not federal they were private, my federals were held through a different lender.

After all the trial and tribulations I believe I am entitled to the cancellation of my private student loans under the Holder XXXX XXXX. This rule requires that loans disbursed by commercial entity through a lenders or creditors relationship with that entity include a provision in the loan promissory note that allows a borrower to raise the same claims and defenses against the lender that they could raise against the commercial entity.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, which has resulted in a fraudulent account appearing on my credit report. I am requesting that the following account be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Account : 1. XXXX XXXX  Account No. XXXX, Opened on XX/XX/2022, Balance : {$600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below. As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditorXXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, hereby authorize the dispute outlined in this letter. Please note that this dispute is not submitted by an unauthorized third party or " credit clinic. '' I am writing to address several violations of the Fair Credit Reporting Act ( FCRA ), which require your immediate attention and resolution. The specific violations are as follows : FCRA Section 616 - Civil Liability for Willful Noncompliance : You accepted credit information about me without verifying its accuracy firsthand. This willful noncompliance is punishable by civil liability of up to {$1000.00} per violation.

FCRA Section 603 ( d ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information : You failed to disclose my right to opt out of sharing my personal information. This omission was deceptive and a violation of my consumer rights.

FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms : You furnished inaccurate inquiries and accounts without proper validation, potentially violating Generally Accepted Accounting Principles ( GAAP ). Reporting such inaccurate information is deceptive.

Violation of Debt Collection Practices Act : You engaged in unfair practices and harassment by reporting inaccurate debts and accounts without my consent, causing me distress and unnecessary contact from creditors.

Violation of Acquiring Location Information Regulations : Debt collectors contacted third-party credit reporting agencies with my information, stating that I owed a " debt. '' This is a clear violation of regulations prohibiting the disclosure of debt information to third parties.

Violation of Timely Payments Regulations : You reported " late payments '' on my credit report without properly defining what constitutes a late payment, which is deceptive and inaccurate.

Violation of Finance Charge Determination : You failed to accurately determine finance charges, which is your responsibility as a credit reporting agency.

Violation of Credit Report Permissible Purposes : You reported information on my credit report without obtaining my written consent, violating the permissible purposes outlined in the Fair Credit Reporting Act ( FCRA ). 

As a result of these violations, I demand that the following actions be taken immediately : XXXX  - XXXX - 15 USC 1681e ( b ) Compliance Procedures Maximum Possible Accuracy** : Please update the late payment record to reflect " paid as agreed '' and indicate that it was never late. 

XXXX XXXX - XX/XX/year> - 15 USC 1681b ( a ) ( 2 ) Permissible Purpose of Consumer Reports : Please delete this unauthorized hard inquiry from my credit report. 

Remove all unauthorized and inaccurate accounts from my credit report. 

I expect a prompt response and resolution of this matter. Failure to comply will leave me with no choice but to pursue legal remedies available under the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

Equifax continues to confuse my ssn and credit with that of my younger brother 's. I 've filed an official complaint and a request to correct the information with Equifax several years back, but they have yet to fix the error. 

The Equifax dispute was filed back in XXXX of XXXX, Dispute Case Number XXXX. They responded to the dispute by sending me a reply email addressed to my brother 's name, instead of my name, with non of the wrong information and case of mistaken identity addressed. Equifax still does n't realize they are identifying the WRONG person with my SSN. 

On XXXX XXXX, XXXX, I requested an Equifax credit report using my ssn, but the credit report issued to me was in my brother 's name. All of my brother 's delinquent credit card and student loan data appears on my credit. 

My ssn and my brother 's ssn is only different by one digit, and we have had similar addresses in the past because we both use our parents ' address as our permanent address while we were in college and/or living abroad. I 'm attaching the Equifax credit report that I 've obtained using my ssn, but it being under my brother 's name. Furthermore, Equifax 's dispute website is down, making it impossible to file a dispute via internet.
Product: Credit card or prepaid card

I ordered a new card from Discover on XX/XX/XXXX and I got an email that said it would be 7-10 days to receive and I never received it. I called on XX/XX/XXXX to report it and the representative gave the option to reorder the card or cancel the account and restart it ; I chose to restart it, for security reasons, since I hadn't received my card. The representative placed the order for a new card and I confirmed with her and she acknowledged she was sending me out the card I originally ordered, which had an eagle design on it. I was also told i would receive confirmation of the account getting cancelled with 24 hours, which I never received. On XX/XX/XXXX I received 2 different cards in the mail with different account numbers, so I called to inquire about the cards. One of the cards was the original card I was supposed to get and the other was a new card, but not the one that I was told was being sent. I was told by the representative that the previous representative I spoke to had went back into my account on XX/XX/XXXX and placed an order for another card. This was done without my knowledge and was never contacted or informed about another card being ordered. The representative then told me that the first representative should have told me that she was not sending out the card she said she was going to and was going to have to reorder it. He also stated that they can go in and order a card without the customer 's consent. A representative should NEVER access a customer 's account and order cards without their consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX. XXXX and again, I am reporting incorrect account information on All three of my credit reports with XXXX, XXXX and EX. 
There are three trade accounts, which have been opened without my acknowledgement and are fraudulent. I have taken the liberty of contacting the Federal Trade Commission and am ready to take action against the agencies that continue to list these three account under my name without valid proof. 
This is not the first time I have been in contact with these agencies about this. 
I am requesting that effective, immediately all three of the below mentioned accounts be removed and deleted from my credit record - without delay! 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX. Bal of : {$22000.00} XXXX XXXX XXXX Opened XX/XX/XXXX. Bal of : {$9100.00} XXXX XXXX XXXX XXXX AT XXXX Opened XX/XX/XXXX. Bal of : {$480.00} I have been in continuous contact with all three bureaus and have received no assistance with these complaints. They have advised me that they will not removed the entries and have stated that they will NOT instigate or provide assistance, Even hung up the phone on me. I believe this fraud is actively knows with the bureaus and they too receive some sort of financial aid in playing a part of reporting items that they known to be fraudulent!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has opened an credit card that I did not open, they did no diligence in verifying address 's that i have never lived at or near. opened the account and added the address to my bureau and have not worked to remove and close said account in a timely manner
Product: Mortgage

My mortgage loan was paid off XX/XX/2020. I got an escrow refund of XXXX but I am still owed XXXX. The account shows a payment to insurance of XXXX XX/XX/2020. This payment was never received by insurance and the insurance was not needed as property was sold and account paid off before the insurance start date. The insurance was also cancelled by agent. I enquired with CIT bank customer service and they indicated that they would put a trace on check and refund. I have not received any refund. Your customer service line now only has an automated option and I am not able to get through to an agent. There is basically no response from CIT back after leaving numerous messages on automated line
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

WELLS FARGO DISPUTE DPT Dispute Number : XXXX Date Posted : XX/XX/2024 Merchant Name : XXXX  SUP. XXXX Amount of Transaction : {$170.00} Card Number : XXXX I provided, on time, to open this dispute and, on time, to appeal this dispute against this merchant, with the support of WellsFargo, for never received for what i was charged for. WellsFargo refused to take in consideration all the proof provided by me ( both receipts and Merchant email respose ) by saying I was not on time to send them ( the timeframe was gone ) Wrong because I have done that on time so I totally disagree with this dispute outcome which I consider as mistake made by the merchant and also by WellsFargo. I tried to appeal several times without without having adequate support by WellsFargo. WellsFargo did not gave me any notice on time but I provided additional information to appeal right away as soon as I find out about the wrong and false merchant respose.
Product: Credit reporting or other personal consumer reports

I am a victim of Data Breach and Identity Theft. Please, block and delete the account within 4 business days pursuant to FCRA 605B15 U.S.C. 1681c-2.

I am contacting you as a victim of identity theft directly linked to the XXXX data breach, which compromised my personal information and has severely impacted my credit standing. My credit report now reflects multiple fraudulent accounts and unauthorized hard inquiries, leading to a significant decrease in my XXXX credit scores. Please Remove Immediately. 

XXXXXXXX XXXX XXXX Account Bank : USAA Opened : XX/XX/XXXXXXXX XXXX XXXX  Account Bank : USAA Opened : XX/XX/XXXX Personal Credit Account Bank : XXXX XXXX. 
Opened : XX/XX/XXXX Personal Credit Account Bank : XXXX XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a formal written request to all 3 credit bureaus ( XXXX TransUnion and XXXX ) on/around XX/XX/2020 seeking the deletion of erroneous and inaccurate information contained in my credit file. I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 7 months from my written request I still have not received any responses.