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

I have loan with XXXX XXXX XXXXXXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/XXXX. I have read enough to understand my rights. The Experian Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in XXXX. My name is XXXX XXXX, and I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach.Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience.Thank you for your assistance.Sincerely, XXXX XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} Reason : I don't recognize this account
Product: Debt collection

I have a collection on my credit report from ALLIED COLLECTION SERV for XXXX XXXX at XXXX in the amount of {$3600.00} for supposably unpaid rent and for damages not done by me. I have proof I paid my rent and that the apartment had numerous defects before I moved in. This is putting me in a situation to where I'm about to be homeless because nobody wants to rent to me on these circumstances. I tried to speak with property management numerous of times and they are not being responsive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to submit a complaint regarding Equifax. It has been well over 30 days and Equifax never investigated and did not send me results of the accounts and inaccurate information I disputed on my Equifax credit report. I mailed a written letter to dispute inaccurate and erroneous accounts and information being reported by Equifax on or about  XXXX / XXXX / 2016 . I disputed several inaccurate, erroneous and unknown accounts reporting on my Equifax credit report/file and requested an investigation by Equifax. The following information and accounts were disputed and investigation requested ;   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  .       It is well settled, per the Fair Debt Collection Practices Act that credit reporting agencies/bureaus have  XXXX  to review and respond to consumer disputes, if this provision is not met in a timely manner, the credit reporting agency must delete the accounts and/information that was disputed by the consumer. Equifax has continued to report the aforementioned disputed accounts and/or information without responding to my disputes and request for investigation regarding the inaccurate and erroneous accounts and/or information. I have made Equifax aware that some of the accounts their company is reporting on my credit report have inaccurate and erroneous amounts owed and/or financed, open and close dates are incorrect, dates of delinquency are incorrect, a number of accounts are obsolete and time-barred and some of the accounts I am no longer liable for.
Product: Credit card

I have been a card holding customer of American Express for several years. American Express sent me a notice that if I do not pay almost {$1000.00} in the next week they will reduce my credit limit despite the fact that I have been a good customer, made my payments in good faith, and abides by the cardholder agreement, however American Express says they are " currently conducting a review of my account ... based on what we know about your payment history, including payments made in relation to your current debt with American Express, as well as your credit scores and other credit bureau information, your account is being reviewed for a possible limit reduction. '' I also have a business account which I just made a payment and placed the money to cover said payment in the wrong account, however it is my personal account that American Express is reviewing for a reduction and not my business account. Those funds were corrected and placed in the correct account so that the withdrawal can go forward and American Express already indicated they will redraw that payment. 

I do not see anything in the cardholder agreement that says I am responsible for making large lump sum payments periodically in order to keep my credit limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

XXXX accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  # XXXX, has violated my rights. 

XXXX accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

XXXX accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

XXXX accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

XXXX accordance with the Fair Credit Reporting act XXXX  XXXX # XXXX, has violated my rights. 

XXXX accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

XXXX accordance with the Fair Credit Reporting act XXXX # 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

XXXX XXXX XXXX reported on my account 3 times for the same information
Product: Debt collection

XXXX XXXX XXXX have repeatedly called me for months on a debt they purchased from a credit card company. I hit hard times and have two cards I defaulted on. I asked them to stop calling me and they have not. I will have the money to settle the accounts soon and when I do I will absolutely pay it, but currently I do not have the expendable income and now they are calling me at work. I work for a company that they have to call the front desk and be connected to me and they are making me look bad at a job I have had for XXXX years where I am trying to move up the ladder so I no longer have issues like this.
Product: Consumer Loan

The COAF loan went into a charge-off situation. They mailed me a settlement offer on XXXX. I did not have the funds available to take advantage of it. On XXXX I sent a letter and check for {$1100.00} with a settlement letter. They cashed the check, yet left the {$8900.00} balance on our credit reports. We have gone back and forth for months until COAF, XXXX XXXX send us a letter saying they would accept the payment to settle this on XXXX. Except COAF is still posting the {$8900.00} balance? Will this nightmare ever end?
Product: Credit reporting or other personal consumer reports

as a consumer, I request to know all the steps your agency look to ensure these items Were 100 Under 15 U.S.C. 16811 ( 7 ) Method of verification- Description of reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( ii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonable available ; by not later than 15 days after receiving a request from the consumer for that description. Experian : XXXX XXXX XXXX account # XXXX XXXX : XXXX XXXX XXXX account # XXXX XXXX : XXXX XXXX account # XXXX
Product: Credit reporting or other personal consumer reports

Ive sent multiple disputes to XXXX. They did not properly investigate any of my disputes. I do not think they investigated any of them. Many accounts on my credit report are false, incorrect or not even mine.
Product: Credit card

I paid my full credit card balance to Chase ( Amazon.com Rewards ) card ahead of the due date ( paid electronically through Chase 's own site ), but they did n't process it until after the due date. The next month, I was assessed a {$25.00} fee on {$0.00} interest from the prior payment. 

The {$25.00} fee was forgiven, but not the {$0.00} cents. And then a {$15.00} fee was added - no explanation on that. 

I am told they ca n't do anything about the {$15.00} that I now owe - which I should not owe, as I paid on time to begin with. 

I find this predatory and dishonest. When a consumer pays though Chase 's site, and the payment is n't marked as received when it is paid, the problem resides solely with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is violating my consumer rights. I submitted a dispute regarding an inaccurate bankruptcy for which is being reported to the credit bureaus. The company failed to provide documentation stating where they received their information from. Rather, they claimed unable to authenticate dispute initiated on behalf of consumer which is also inaccurate. The company continues to fail to remove the negative false information pertaining to a bankruptcy from my report. In addition, the courts verified that they do not submit consumer information to third parties. Therefore this company is gathering information and inaccurately/illegally reporting it. Public records, specifically ones that are inaccurate, do not belong on credit reports. My rights are being violated. According to the FCRA law 15 U.S.C. 1681-1681x, Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. This company is doing illegal activity, harming my credit worthiness in the process.
Product: Debt collection

On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature Copy of bill showing last default date
Product: Credit reporting or other personal consumer reports

I am writing to demand that you immediately cease and desist all communication with me regarding the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), you are hereby notified to stop contacting me by phone, mail, or any other means. Which includes but not limited to all credit reporting agencies.

Also in this matter myself and XXXX XXXX have an arbitration clause in our contract and the selling and purchasing of this alleged debt is a breach in contract. If this account not removed from my credit reporting I fully intend on exercising my consumer rights and taking this matter further.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Equifax, There are wrong names and/or variations on my credit report- please have that corrected as soon as possible. 

attached to this complaint is : - my drivers license - my social security card - my address- my written complaint - screen shot of location on my credit report Please have these corrected asap, thank you.
Product: Debt collection

When I looked at my credit report, I noticed this account. It was listed as a derogatory mark. I don't have any medical bills and I've never did any type of business with these 3rd party companies.
Product: Credit reporting or other personal consumer reports

There is a lot of fraudulent activity on my credit report. I have tried to reach out the credit bureaus on various occasions regarding the fraudulent activity but have not been able to progress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I became delinquent with a Care Credit/Synchrony Bank account in XXXX ; my last payment to them was XX/XX/XXXX. Care Credit cancelled the debt and issued a 1099-C on XX/XX/XXXX. The reason stated on Box 6 of the 1099-C is " G - Decision or policy to discontinue collection. '' However, they have continued to report this debt monthly to all three credit bureaus. Their reporting to the credit bureaus says I still owe a balance of {$3700.00}, the account status is Charged Off, and that I am 120+ days past due. I have disputed this multiple times with XXXX and XXXX, and they continue to " confirm '' that I still owe the debt. 

I contacted Care Credit/Synchrony Bank multiple times, but they failed to understand the problem. I even offered to pay the debt in full if they would stop reporting this debt to the credit bureaus, but they refused my payment because I do not owe them any money, and they mailed me a copy of the 1099-C they submitted in XXXX. 

One agent last week finally understood that it's impossible for me to be past due or hold a balance on a debt that no longer exists, and he stated he documented my account thoroughly and the situation should be resolved. 

Yesterday, however, they responded to my dispute with XXXX by saying that I still hold a balance on my account and that I am still past due. 

This debt has been cancelled. It no longer exists. The 1099-C was filed with the IRS and appears on my IRS Wage and Income Transcript from XXXX. They sent me another copy of the 1099-C last month. They know I no longer owe this debt, but they refuse to stop reporting the nonexistent debt to the credit bureaus. I don't know how to make them stop.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an update to my credit report regarding a debt that was written off and reported to me via a XXXX form by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The details of the debt are as follows : XXXX Credit SSN : XXXX Date of Write-off : XXXX XXXX XXXX : XXXX Date of Write-off : XXXX XXXX XXXX SSN : XXXX Date of Write-off : XXXX XXXX XXXX SSN : XXXX Date of Write-off : XXXX XXXX SSN : XXXX Date of Write-off : XXXX XXXX SSN : XXXX Date of Write-off : XXXX As per IRS regulations, when a debt is canceled or forgiven, it shall be reported to the credit bureaus. Therefore, it is essential that my credit report accurately reflects this change in my financial status.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns Regarding Zelles handling of disputes, particularly in the light of 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 loss funds was impossible, and that tracking these transactions was unfeasible. The CFPBs 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 transparency is unacceptable and raises serious concerns about consumer safety
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a personal loan in XX/XX/year>. Initially, they denied the loan due to my children 's social security benefits and child support. They asked for proof of receipt for social security, child support, they asked for my children 's ages, birthdate, who receives what income, and when they will stop receiving benefits. They denied me due to my children 's age and when they will stop receiving benefits. They did a counteroffer of {$18000.00} and then denied me. I applied a second time, and I was denied the {$25000.00} but an offer of {$18000.00}, term of 60, Rate of 20.409 % and to accept the offer to contact my banker or notify them at the address below within 10 days. I go to the bank today and they told me it does not show in their system, and I was denied the loan. The creditor is listed but without a telephone number, address, or name of direct contact person. Rather, they list the credit reporting agency 's address and telephone number. No self-test was conducted, no copy of the evaluation. I asked if I could use my land for collateral or a cosigner and she told me I can apply for a mortgage loan, no information on programs that banks offer to help women and the minority for loans, they lied about unable to verify income and denied me when they had received all income, they never disclosed to me that the social security/child support did not need to be revealed and never gave me the option to agree or disagree, they utilized the social security/child support to deny me credit that was predicated on aggregate statistic. I told them they have discriminated against be and in violation of fair housing. They determined that once my children turn XXXX, they will not be receiving assistance, and my income will be interrupted or decreased. The creditor initially utilized the child support on the first loan and not the social security. He chooses which income he wanted to utilize and not what I submitted. When he took that step, they stated I was denied due to debt to income. I told them that they sent me a letter stating unable to verify income so how are you going to say I am in debt if you do not have any income to compare it to. When I spoke to the bank today, I was informed that I can not speak to the underwriter directly nor the supervisor because the supervisor does not have a direct number. I have several phone recordings and emails to corroborate my story.
Product: Debt collection

Company, XXXX, XXXX, and XXXX, made a false statement that I had been properly notified about a court action regarding a debt they claimed I owed. ( It stemmed from XXXX XXXX for my granddaughter, XXXX XXXX ; they claimed that I co-signed. I did not. ) They said I had been properly served. I had not been. Since I had not been notified, I did not appear in my own defense, so they won a judgment. ( XXXX XXXX ) and placed a lien on my property. They did not notify me in any manner. I did not find out until about it until I applied for a property loan in XXXX of XXXX. XXXX, XXXX, and XXXX is the company who won the judgement against me, stated that I had been lawfully served, and filed a lien on my property. Part of the troublesome path I have been through is that these three companies stall and waste time by blaming the other. All three are involved ; I 'm naming the XXXX ... because your question asks who notified me of this debt. 
I got a lawyer in XXXX of XXXX, who won for me ( XXXX XXXX XXXX XXXX XXXX for Naught Judgement Lien that has been filed with Registrar of Deeds. Also a judgement for lawyers fees. I can not afford to pursue collection. 
Now a lawyer tells me there is a two/three year statute of limitations to sue them. And I ca n't collect the judgment because the cost is prohibitive. 
XXXX, XXXX, and XXXX won in court without proper serving. ( They said I had been served by leaving information with my granddaughter, XXXX XXXX, at her house in which I had never lived. ) XXXX, XXXX, and XXXX filed a lien for {$7100.00}. I was never notified. 
Love, XXXX, and XXXX ( or XXXX XXXX XXXX ) owes me {$1900.00} as awarded by XXXX County judge,  XXXX XXXX. 
I have suffered other financial damage because of being denied a loan from my bank. 
I have suffered other damage because of the time and stress in trying to deal with this series of events. 

I have documentation for all these activities, but I do not know how to attach them. It is all on hard copy because my computer blew last fall and this electronic file went with it! The company has received all the material either from me or my lawyer. I have 43 pages of documentation, if the company wants to see any of it, I can mail hard copies to them..
Product: Checking or savings account

My name is XXXX XXXX XXXX XXXXXXXX my phone XXXX I have complained please I been with Bank of America 13 years I have business and credit it card and I have personal account also, Im a gold member with Bank Of America, Police report is : XXXX Officer : XXXX badge number # XXXX XXXX police department has been notified My story is please take my situations seriously On XX/XX/2023 at XXXX its was Friday I got notified from my Bank of America app notification if I have authorised this amount? I said no. after short time Bank of America phone number calling me XXXX at the Same phone number on my back of my card asked me your account has been restricted I logged in my account just making sure if he is correct but he was right I saw my account is restricted also he knows about my transactions I made at this week he made me to trusted him because he told me everything about my account also he restricted my account I and asked me for code I been told I have a fraud XXXX and he is going to help me to get a refund it back and asked me dont login due to the investigation and I did not login until Monday where I fount out there is a fraud after he asked me about wire transfers where I got hit Sunday as well XXXX with multiple transactions XXXX I notified Bank of America immediately and I told them what is going on where they told me he is not Bank Of America agent it is a fraud I filled claim for multiple transactions of total amount {$9900.00} Bank of America customer service they are not helpful at all each agent filled the claim different way they trying their best to blame me for it where customer service phone number called me and how he get to my Bank of America app it should secure system and help me to get my money back probably hes the agent working with you guys I dont know I need help to get my money back and solve my problem please, I need to know before further action I talked to my lawyer i am going to take Bank of America to federal court and I will share my story and every single of Benk of America website honestly but I been patient I need to know whats going to happen first all what I need to solve a problem and take my situation seriously please because the fraud department they are unprofessional and not helpful at all probably he is working with Bank of America agent I dont know the scammer he does know everything about my account Police report has been notified Claim number is XXXX Bank of America