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

On XX/XX/XXXX I sent Equifax a factual dispute showing the inconsistencies in the account they were reporting. The date of delinquency was incorrect on my reports. The correct date of delinquency is XX/XX/XXXX. The accounts were showing XX/XX/XXXX. On XX/XX/XXXX I received a credit report stating this account had been verified. I sent the same letter to XXXX and XXXX. XXXX stated they were unable to verify the account and removed the account. In XX/XX/XXXX, I received notice from XXXX that they were unable to validate the account and the account was removed from my report. I also received notice from XXXX that the account was unable to be validated and the account was deleted from there as well. I send a follow up letter to Equifax on XX/XX/XXXX stating that inconsistencies were still being reported as well as proof of the date of delinquency from the creditor. As of XX/XX/XXXX, I still have not heard back from Equifax. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. If this is the case, then the account has never truly been verified by Equifax as it was deleted from XXXX, XXXX and XXXX.
Product: Debt collection

On XX/XX/2018, I sent a letter to AFNI asking for validation of a debt they claimed I owed. As of XX/XX/18, I have not received a response from the above mentioned company of my request for validation. On XX/XX/18, I sent a certified letter dated XX/XX/18 that was received by their company on XX/XX/18 stating that they are in violation of the FCPDA and requested that I hear back from them in 15 days. On XX/XX/18, I received a letter from AFNI dated XX/XX/18 which is more than the 30 days allowed to validate the debt. In this letter they stated that they investigated my dispute and have verified the debt. As of XX/XX/18, I still have not received any of the requested information I listed in my previous letter dated XX/XX/18 asking for validation proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint is against the XXXX XXXX XXXX XXXX for XXXX separate student loans that were originally opened in XXXX and defaulted by that year 's end. The XXXXXXXX XXXX XXXX XXXX originally listed the loans under " Direct Loans '' as the creditor. These XXXX loans should have fallen off all XXXX major credit bureau reports ( XXXX, TransUnion and XXXX ) and any others unknown to me, in this year of XXXX. In disputing this with XXXX twice this year, last dispute being XX/XX/XXXX through direct phone call, I was advised by the rep that the XXXX XXXX XXXX XXXX changed the creditor 's name TO " XXXX XXXX XXXX XXXX '' and shows all XXXX loans as having been opened in XXXX of XXXX which is incorrect. This seems fraudulent to me as the " XXXX XXXX '' program IS under the XXXX XXXX XXXX XXXX and are not separate. I respectfully request your assistance in providing me whatever relief that can be afforded in removing this from all credit reports. The school is currently involved in litigation and I never completed even half of the curriculum and dropped out due to family illness.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, National credit system added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA National Credit System has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX  XXXX  has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit card

My card was lost and used by the person who found it. I have turned in numerous disputes about this, and they refuse to properly work it, or give me the proper credit
Product: Credit card

I, XXXX XXXX XXXX, report identity theft. Found unrecognized XXXXXXXX XXXX  card with {$700.00} balance. Also, unauthorized credit inquiries : XXXX - XXXX XX/XX/2024 XXXX XXXX, CT XXXX  : Mortgage Reporters XXXX XXXXXX/XX/2024 XXXX XXXX, MN XXXX : Finance Companies Have closed unrecognized card, filed police report, and disputed with credit agencies. Request thorough investigation and restoration of credit integrity. Will cooperate fully. Urgent attention appreciated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX, Experian and XXXX Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be CORRECTED. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or FIX this from my personal file.
Product: Student loan

I just found out Pennsylvania Higher Education Assistance Agency ( Pheaa ) does not have a license to do business in Michigan. Pheaa has been Revoked from Michigan since XX/XX/2014. The Department of Education canceled Pheaa license as federal servicer. Why did you not tell me this Pheaa?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having issues with credit reporting agencies. All three have been providing problems for me but XXXX is the worst. I have called at least 3 times during each week for the past 3 months. I have even gone to great lengths and explained to the credit reporting agencies about my right under the Fair Credit Reporting Act and all the do is ignore me. Each time I call in I am giving different information and bounced around to someone who says they are the manage but for some reason sounds like the same person I was original speaking with. I was advised to send in documentation and a letter of why the XXXX  XXXX Bankruptcy and an account through XXXX XXXX should be removed. The XXXX  XXXX Bankruptcy has been met and removed from public files and the XXXX Account was in the bankruptcy which also should be removed. I provided them documentation they come back and stated they have to dispute account. After the dispute is completed they tell me that account was verified which in reality was not because the company I spoke with supplied me a letter to provide the agency that account should be removed. This has caused me so much XXXX  and stress to where I have not been able to focus on everyday life. What has made it harder is the language barrier when I call in because I am unable to understand what the representative is talking about. I am not sure if they are from another country but when I try to have conversations it makes it very hard to explain myself.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I starting receiving text messages that A XXXX XXXX has sent me XXXX dollars into my Venmo Account. I received several of these texts equaling a total XXXX XXXX. Immediately I starting having withdrawals from my bank account through my attached debit card of XXXX. I was quick enough to catch the XXXX withdrawal and was able to cancel my debit card through my bank. I still have pending withdrawals in my Venmo account and I am afraid that Venmo will come after me for this money. I have contacted them and after their investigation they have determined that I have violated their policies and frozen my Venmo account and closing the one I have. They also said that the XXXX dollars will be held up to 180 days before they will refund it to me. Their customer service seems to be in a foreign country ' and it is hard to understand them and was told by the person I talked to that I was to reply to the email they sent me because that is the only way I can talk to the person handling the complaint. In my reply to the email I told them I have not committed any fraud and that the XXXX dollars is not mine. My financial institution has determined that fraud was committed against me and that they are going to refund me the XXXX that was taking from me.
Product: Credit reporting or other personal consumer reports

My credit means a lot to me, and Im really worried about the mistakes on my XXXX XXXX. These inaccuracies super XXXX to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.
Product: Debt collection

calling and emailing with threats to collect from my business some debt for a person that has no relation to my business at all
Product: Money transfer, virtual currency, or money service

Im writing to express my concern regarding zelle. In regard to the current CFPB lawsuit and significant issues with the platform. Despite using zelle numerous times and reporting disputes, zelle failed to investigate my claims adequately. They said recovering lost fund was impossible and that tracking these transactions was undoable. CFPB indicate zelle hasn't only neglected to protect its customers and users, but also allowed repeated offenses towards us and making us vulnerable to scams. Its unacceptable and raises many concerns about consumer safety.
Product: Credit reporting

I have contacted Equifax over XXXX times concerning this issue ; they say that I am being verified electronically however I informed them that the information is incorrect and that I was not in FL when the supposed medical bills occured. They refuse to remove the negative info from my credit report. All of the other credit agencies have removed these doctor bills as the company couldnt prove conclusively it was me. Equifax is refusing to cooperate. This has been going on for over a year.
Product: Credit card

I rented a car over the internet. I agreed to pay {$130.00} to rent the car over a four ( 4 ) day period. I never saw the contract. I picked up the car in XXXX, Ga, and used it for the four days. I paid for the rental with an American Express credit card, issued by the XXXX XXXX XXXX XXXX XXXX. Open returning the car, I signed a receipt acknowledging the return of the car. After signing the receipt, I was informed, for the first time, that the card had to be returned by XXXX. Because it was after lunch and I had already signed the receipt, I took no immediate action. I feel that I was " baited and switched '' into paying additional fee that I was not informed of prior to signing an acknowledgement. I contacted the card issuer ( XXXX, XXXX ) and disputed the {$30.00} additional charge. On XXXX/XXXX/15 I was informed by the credit card issuer that because I had unwittingly signed an acknowledgement that they would " not have the authority to continue to persue the credit from the merchant on your behalf. '' Because of the small amount and fraudulent bill, XXXX, XXXX, has just " rolled over '' for the merchant. And I 'm out {$30.00} on a " bait and switch '' scheme.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, XXXX XXXX XXXX stated they would cease efforts to collect a debt they alleged I owed. Once this was resolved, they removed all information from my credit reports. Experian is listing this debt as true and accurate, despite a request to dispute submitted on XX/XX/XXXX and additional information shared on XX/XX/XXXX. I added the official complaints filed against XXXX where they confirm the account is closed to the CFPB and the credit bureau is still reporting the account as open and alleging I owe a debt.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$350.00}
Product: Credit reporting or other personal consumer reports

According to the Fair credit Reporting Act 15 USC 1681 section 602 states There is a need to insure the the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for customer rights to privacy. The 3 credit bureaus XXXX, XXXX, Experian are consumer reporting agencies while i am the consumer. My rights to make sure my private information will not be shared. Under 15 USC 6801. the policy says that Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of me the customer and protect my security and confidentiality of those customers nonpublic information ( furnisher of information to credit agencies is a financial intuition by definition under that title. 15 USC 1681 section 604 section 2. Under this policy XXXX XXXX, experian nor financial institutions do not have my consent verbally, non verbal, or written consent. Any and all consent whether it be verbal, non- verbal, written, nonwritten, implied or otherwise revoked. 15 U.S.C 6802 ( b ) ( c ) states that a financial institution may not disclose non public information to a nonaffiliated third party unless the consumer is given an explanation of a non disclosure option. They have informed me of my right to exercise nondisclosure option. also 15 USC 1681c ( a ) 5 states except as authorized under subsection ( b ) no consumer reporting agency may make any consumer reports containing any of the following items if information any other adverse item information other than records of convictions of crimes with antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S Code 1681 s-2 ( A ) ( 1 ) a person shall not furnisher any information. relating to a consumer. 15 U. S Code 1681states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of 1681c. also CFR 1016.7 a consumer has the right to opt out at any time. I am opting out of your reporting services
Product: Credit card or prepaid card

I can not get U.S. Bank to remove me from their mailing list ( email offers ) for various accounts I have with them. I contacted them in XX/XX/2020 and subsequently followed their advice to make all of the proper settings on their website. The emails started again in XXXX and after a fairly worthless exchange of emails I followed their advice and called their customer service number. The agent was polite and responsive. After a modestly lengthy " hold '' period she told me she " thought '' the problem had been solved. Yesterday I received yet another email for the credit card ending " XXXX ''
Product: Credit card or prepaid card

I have two accounts with Synchrony Bank for a store called XXXX XXXX. One account has my husband as the primary and the other has me as the primary. We have been paying these cards down for over a year and on XX/XX/2020 I overpaid my husband 's account by {$440.00}. I realized this and called Synchrony Bank on XX/XX/XXXX. I asked them if they could move that money over to my primary account and they said no. They said we only refund through checks. I waited four weeks and no check came. During that time we did not have funds for my primary account to get paid and I received a letter saying my credit limit went down {$3000.00} and I was reported to the credit bureaus and received harassing phone calls daily. We are down one income and Synchrony bank purposely XXXX  me. I want my credit limit back up, the credit bureaus told it was their fault and made right. On XX/XX/XXXX when I called into synchrony about the overpayment, they said they would send out a check to be here within 7-15 days. I said ok. I counted on that check and because we didn't have the money in our account at that time, we were charged {$200.00} bank fees. On XX/XX/XXXX I believe it was I called synchrony bank back and told them I never received the check. I told her to overnight it to me as I needed the money and she said no, they don't do that. They will send out another check which I will receive in 7-15 days. They refused to overnight it again even though it was their error. Today is XX/XX/XXXX and I called again only to be told oops, they did mail it out, but not sure what happened. During these three months I have received every statement for each month without a problem, but no check. I am told constantly that it can't be their XXXX up and it must be the post office. I'm sorry, but everything else makes it to my mailbox so doubtful two checks just didn't get here. this is a multi-billion dollar company that uses offshore assistance to save even more money and they can not handle giving someone their money back? They XXXX me one way and now another. Their interest rates are already appalling. This is theft and fraudulent accounting to credit bureaus. Why do you let them get away with this? At this point I should be able to get a check overnighted or a transfer of funds back into my bank account since that is how they are paid. During covid they have no ability to do be honest, do their part as best they can and give grace to customers that they have made plenty off of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX a consumer has asked the 3 major credit reporting agencies to update and correct the inaccurate, incomplete, and incorrect information showing on my credit reports. I have sent them letters on serval dates XXXX. XXXX, Equifax and XXXX have completely disobeyed FCRA. they have not removed personal information that needs to be removed immediately. XXXX, Equifax and XXXX have not marked accounts as disputed. So, I'm requesting that they delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately.
Product: Checking or savings account

I bank with TCF Bank I had a a positive balance close to XXXX dollars on XX/XX/2021 I made a purchase for groceries That day to have them delivered on Friday the XXXX. What should have happened was the amounts of XXXX dollars and XXXX dollars and some change should have been posted on Wednesday the XXXX key word posted. My account was still a positive {$200.00} by Friday there was a deposit from my work which was XXXX. On Friday the XXXX I had a withdrawal of XXXX dollars from the ban. Also a purchase for XXXX of XXXX a a transfer into a new checking account of XXXX dollars. On Friday I should have had a balance of XXXX dollars in my checking account. I also XXXX  money to a friend for XXXX on Saturday. XXXX purchase of XXXX dollars transferred funds transferred XXXX dollars to my primary account to cover the cost of XXXX. I also transferred another XXXX from my secondary account to my primary account. and my last transaction was a XXXX transfer of XXXX. I should be at a positive XXXX Today. I can provide my banking information to you upon request. This not the first time this has happened. I am requesting that they stop with the excessive overdraft fees and they return money back into my account and correct the balance to my checking account. Thank you