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

XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX  XXXX  XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX  XXXX  XXXX XXXX   XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX  XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report that an account that I allegedly had with XXXX  XXXX XXXX account number XXXX is been reported accurately on my credit report. On XX/XX/2021 Experian got a request from me for ''THE METHOD OF VERIFICATION '' proving to me that they had investigated the matter and how they came by there determination to say that XXXX  XXXX XXXX was been reported accurately on my credit report. It is my right under the Fair Credit Reporting Act to ask for this and the Fair Credit Reporting Act also states that the credit bureau has 15 days after I have made the request to supply me with my request. Today is XX/XX/2021 and I have not gotten the method of verification and this is a clear case of a FCRA violation. I have submitted other complaints about the same issue on this system. Its almost two months that they got my request and have unable and or refused to provide the method of verification requested. It is illegal to continue to report some thing on my credit report as been accurate but can not provide the documents to back up that story. 
It is insane and unprofessional for Experian to continue to report an item on my credit report as been accurate but refuses to provide me with there method of verification. I dont owe XXXX  XXXX XXXX any money but yet Experian continues to hold my credit hostage. This complaint is filed so that when I do decide to take legal action against Experian there will be some form of documentation proving that I contacted the credit bureau on numerous occassions to delete XXXX  XXXX XXXX from my credit report. I also contacted Experian for there method of verification and they have refused and this is a clear FCRA violation. Experian should delete XXXX  XXXX XXXX from my credit report immediately.
Product: Debt collection

XXXX XXXX at XXXX XXXX is trying to balance bill a XXXX patient after XXXX paid them for the hospital stay in XX/XX/XXXX. I meet my deductible so I had no copay. They are balance billing me for the remainder of the bill which is {$32000.00}. In XXXX I tried to resolve this issue and it on record with XXXX about the balance billing. XX/XX/XXXX I received at debt collection letter for money owed by CMRE Financial Services. Which I  was told by a XXXX XXXX that I was going to be sued if I do not pay the money and was told that the hospital was allowed to balance bill me because the law states they could. 
Also received a debt collection letter from same company stating I owed {$3300.00} for services in XXXX at same hospital. As I and XXXX and XXXX have tried to straighten out the fraudulent billing XXXX XXXX at XXXX XXXX Hospital would not cooperate with XXXX in their investigation I received a letter from XXXX that the hospital would not respond to their request and the debt was not mine. 
So I tried to resolve these matters in XXXX and XXXX think that they have been resolved since I have not heard from the hospital till I just received two collection notice 's and a treat to be sued for debt that's not mine and have been reported to the credit agency.
Product: Debt collection

This agency has contacted me several times regarding an unverifiable debt. When I asked for additional information, they could not provide it. They have threatened to have me served with court documents. As such, I told them that I would be happy to appear in Court on this because they would have to prove the validity of this debt. They have called numerous times before and I've responded in the same matter. They still have not served me with any paperwork. This situation is out of control because they contacted my mother ( at work ) and my family member, even though I have spoken with them and tried to arrange a time for them to serve me with paperwork. This isn't the first time they've contacted me but it is the most recent. Even after speaking with them on Thursday, they contacted my mother at work on Friday. This is unacceptable. I would like some assistance in dealing with this collection agency because at this point they are violating my rights as a consumer.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting and reporting discrepancies, my financial institution and Zelle failed to investigate my adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB findings indicate that 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 and raises serious concerns about consumer safety.
Product: Checking or savings account

On XX/XX/XXXX I opened a Citi regular checking account. I opened this account in response to an offer Citi had emailed to me on XX/XX/XXXX by clicking on the " see offer details '' button in the email and then signing up online on the Citibank website that clicking this button lead me to. You will find a PDF of this offer attached. 

The offer clearly states that a promotional bonus of {$400.00} will be deposited into this new checking account if {$15000.00} or more is deposited into the account within 20 days of opening and if that balance is maintained after opening for an additional 60 consecutive days. 

On XX/XX/XXXX I deposited {$15000.00} into my new Citi regular checking account. I maintained a minimum balance of at least {$15000.00} dollars in this new account until XX/XX/XXXX. This is XXXX consecutive days. This fulfils the terms of the agreement I entered into with Citibank and thus requires them to deposit the {$400.00} bonus into my Citi regular checking account which is still open. 

I have called the company at least 12 times regarding this problem. I have been told by multiple representatives that I have fulfilled all terms of the agreement, that they see the promotion attached to the account, and that all I needed to do is wait and the money will be deposited into my account. I have emailed once and faxed 3 times the same attached email offer submitted here to the CFPB to the Citi Promotions Team in a fruitless attempt to fix this situation. I can not devote any more time trying to convince Citibank to live up to the terms of the offer that I accepted from them for this checking account, and thus am seeking the CFPB 's help in this matter.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  - {$3100.00} This account was created unauthorized fraudulently 15- 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies
Product: Debt collection

To whom it may concern, I have reached out to this company, Cedar Financial or Cedar Business, several times to remove this debt from my credit report. A balance is still showing in a collections status. I made a payment to XXXX XXXX in the amount of {$3500.00} on XX/XX/XXXX. Please see attachments below. For some reason this company is still attempting to collect this payment that has already been made to my institution. 

In the beginning of XXXX, I began my XXXX XXXX  at XXXXXXXX University. I was heavily affected by the pandemic, and due to some health complications I was not able to continue with my courses at XXXX. 

My university sent me an email notifying me of an unpaid balance of {$3500.00}. They also stated the account should be paid by XX/XX/XXXX. As you can see, I made the payment and received a receipt from the finance department. I assumed that everything was resolved from there. 

A few months ago, I received a notification from my credit monitoring service of a collections account from Cedar Financial. Upon further research, I realized the debt is in connections with a balance due from XXXX University. Again, with no avail I have reached out to Cedar Financial several times. I have also requested the credit bureaus to validate this debt and remove it from credit report. I have yet to receive any documentation regarding this account. I even reached out to my bank to provide bank statements from last year to ensure the payment went through successfully. I have my bank statement from XX/XX/XXXX available if you need to see it. It also shows that payment made to XXXX University. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, is violating 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 an account without my written instructions. 
Not only is this completely unfair and unjust, again this is in direction violation of the laws that protect me as a consumer. I am requesting that this account be deleted from my credit report immediately. 
I understand there was some sort of mistake made ; I am simply requesting this account to be removed from my credit report. Please help me resolve this urgent matter. 

Thank you kindly, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX 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
Product: Credit card

Recently PNC changed their XXXX XXXX program, where you navigate to a secondary web page. On XX/XX/XXXX, I took advantage of a cash back option for XXXX 's. The offer was to dine in restaurant and get 23 % back. 

I made a charge of {$28.00} about an hour after adding the offer to my card. I then waited for the charge to post to the account. I reviewed my PNC payback balance and it was not updated. 

After a week, around XX/XX/XXXX, I reached out to inquire about it. They let me know it should show after XX/XX/XXXX. It did not so, I called back on XX/XX/XXXX, and was " escalated '' to an agent, XXXX, in a higher department. After a couple of back and forth messages, she stated that they would show on my next credit card statement, which was XX/XX/XXXX. When it did not, an agent stated it would take until XX/XX/XXXX, but in the mean time XXXX would create a " dispute '' with the 3rd party processing company. 

On XX/XX/XXXX it did not post to my account, and I reached out to XXXX, and there was no update on the " dispute ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2700.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX Balance : {$1100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

These fraudulent accounts are being reported on my equifax credit report. 

XXXX XXXX XXXXXXXX {$11000.00} first reported XX/XX/XXXX last reported XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$14000.00} first reported XX/XX/XXXX last reported XX/XX/XXXXXXXX XXXX {$16000.00} first reported XX/XX/XXXX last reported XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX for the XXXX XXXX XXXX XXXX ( Case No. XXXX ) The information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files. 
Account Name : XXXX XXXX XXXX/ Balance : $ XXXX Opened : XXXX. XXXX, XXXX Identity Theft Account Name : XXXX XXXX  Balance : $ XXXX Opened : XXXX XXXX, XXXX Identity Theft Account Name : XXXX XXXX Balance : XXXX XXXX Opened : XX/XX/XXXX, XXXX Identity Theft Account Name : XXXX XXXX XXXX Balance : {$840.00} /Opened : XXXX XXXX XXXX XXXX / Identity Theft It is unacceptable, and a violation of federal consumer protection laws, that I continue to face harassment and fictitious debts due to the unauthorized account and unauthorized inquiries. Your agency failure to delete these fraudulent entries will be direct violation of my rights under FCRA Section 605B ( 15 USC 1681c-2 ) ( a ). The FCRA requires immediate removal of fraudulent information from credit reports following a valid identity theft report, which I have provided. Such inaction is further aggravating the distress caused by this identity theft. There has been no legal proof of the marks has been provided or proven. I have reported the theft of my identity to the Federal Trade Commission ( FTC ) and have enclosed copies of the supporting documents, including the FTC Identity Theft Affidavit. This unauthorized reporting has negatively impacted my credit standing. I respectfully request that the FTC, FDIC, & CFPB investigate this matter and take appropriate action to ensure that the erroneous and derogatory information is removed from my credit report. I am also pursuing complaints at federal levels to address these violations because my consumer rights have been violated and belittled.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I sold my handbag to XXXX XXXX XXXX XXXX. They sent the payment in the amount of {$3200.00} to my PayPal account. My PayPal email address is XXXX. Ive spoken to PayPal on XX/XX/2023 14 times. Ive sent copies of my identification cards and called my banks on three way. They advised me that my XXXX XXXX XXXX XXXX  is rejected their payment. I called XXXX XXXX  and they said no such thing. Then PayPal advised me that my XXXX XXXX XXXX  is rejecting the transfer. I called XXXX XXXX and they said they dont have a record of an attempt or a transfer from PayPal . PayPal keeps making excuses and error messages to hold my funds in the amount of {$3200.00}. Ive answered security questions correctly, identified information on my credit report, forwarded photo copies of my identification cards and did account verification via secure links.
Product: Credit reporting or other personal consumer reports

XXXX is reporting inaccuracies on my credit report without my consent which is a violation to the FCRA. The opening dates, the account status, last payment dates, and also the payment history is inaccurate with XXXX, XXXX, and Experian. the credit agencies must report the same payment history, also opening and closing dates must be the same otherwise it's inaccurate. according to US law code USC 15 USC 1681b Permissible purposes of consumer reports it states the facts The consumer reports consist of ( a ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) in response to the order of a court having a jurisdiction to issue such an order, a subpoena issued in connection with preceding before a federal grand jury or a subpoena issued in accordance with section 5318, or title 31, in connection with a credit transaction involving the consumer on whom the information to be furnished, employment purposes, in connection with the underwriter of insurance involving the consumer, to determine the consumer eligibility for a license, in connection with a business transaction, in response to a request by the head of a state or local government for child support purposes. '' XXXX is violating the FCRA, and consumers rights. also as of XX/XX/year> XXXX was used for failure to sufficiently communicating with borrowers about maintaining access to affordable payments however, this company has=as furnished my credit report without my consent I'm aware anything being furnished to my report I must get notice within 5 days of the first contact which I have not which is another violation. as of today XXXX XXXX there are many lawsuits against XXXX for their many violations violating state and federal laws. I ask that XXXX, XXXX, and Experian do valid investigations, and remove these inaccurate accounts that's Furnishing my report, and credit worthiness.
Product: Credit reporting or other personal consumer reports

Delete Addresses ; XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX , OK XXXX The addresses stated in the above reference must be deleted from my credit file as it is inaccurate regardless of what any creditor is reporting. Im aware Experian has some illiterate policy in place of disregarding address removal if associated with an account which strictly goes against the Fair Credit Report ACT. 
A consumer has the RIGHT TO DISPUTE under FCRA regardless. Credit Reporting Agencies must furnish complete accurate information under the oath of federal law.

Experian you have violated my right as an consumer if these addresses are not remove from credit file. I provided proof of residency, Driver License, Utility & Statement. If not, remove it willful noncompliance of furnishing inaccurate information.

Violation 15 U.S. Code 1681n civil liability & willful noncompliance