23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was looking at my credit report on XXXX  XXXX and there is a new collection from afni that said the original creditor was XXXX XXXX. I tried to call XXXX XXXX  and they say they dont have a record of the debt. The last time I had XXXX XXXX as a tv provider was XXXX of 2018 and my account was canceled and paid in full to change providers. This is the first time I have heard of me owing money to XXXX XXXX The collection says its for {$120.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Inquiries do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im missing a payment history on my XXXX  XXXX XXXX  account in the month of XX/XX/2020 and I disputed with Experian and it was denied after 30 days and Im trying to get it updated I paid my XX/XX/2020 statement and it not being reported to Experian at all .... I would like XXXX  XXXX XXXX to update my XX/XX/2020 payment thank you
Product: Credit reporting or other personal consumer reports

XX/XX/year> i sent my proof documents to all 3 reporting agency they responded with verified my name did not match the name on report Im asking for it to be validated and verified and removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, Equifax, and XXXX numerous times in regards to the blatant of inaccuracies listed on my report by the following institutions XXXX XXXX XXXX XXXX of these institutions have reported on my credit report that I was late on payments : XXXX XXXX XXXX XXXX reported that I was late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, etc. Most of these instances happened during the pandemic which I requested that XXXX defer these payments while I was experiencing financial hardship as a direct result of the pandemic. In XXXX, I requested deferments timely due to experiencing financial hardship. All of these times, I reached out to XXXX and requested deferments timely and was told that these deferment requests would not cause them to report to the credit bureaus that I was late. Considering XXXX, did not follow those statements made on a recorded line, I requested all documents as it relates to those requests as required by law. XXXX never responsed to my requests or completed an investigation. All credit bureaus never responded to my requests for results of their investigation via mail.
Product: Mortgage

case XXXX still an issue and lender not taking payment. I never mention to stop automatic payment. just changed account to draft for auto payment. if they stopped it, they need to fix. the payment is late yet again and the lender 's poor process is affecting me as a consumer affecting
Product: Student loan

On XX/XX/XXXX I called Edfinancial to request a refund due to financial hardship and allowed through the XXXX act. I requested a refund of my payments made to them from after XXXX 2020. 
XX/XX/2020 {$18000.00} XX/XX/2020 {$200.00} XX/XX/2020 {$200.00} XX/XX/2020 {$200.00} XX/XX/2020 {$200.00} They told me they will submit the request. 

Last week I see that my balance has been reinstated on my account to - {$18000.00} on the EdFinancial website. However, on Friday, XX/XX/XXXX, I see that my balance is back to {$0.00}. Through their website I chatted with an agent who told me that the Department of Education denied my request because the payment of {$18000.00} was made by a " third party consolidator ''. The payment was made by a third party who I allowed to pay off the balance of my loan. I requested that Edfinancial resubmit the refund request and I was informed by the same agent that Edfinancial can not and will not submit another request. I asked about my the refund status of my other payments and I was told they are still in process. So I called Edfinancial and the next agent I spoke with told me the same denied information but did agree to resubmit my refund request.
Product: Credit reporting, credit repair services, or other personal consumer reports

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
Remove accounts which are not belong to me.. Please review this and remove this as soon as possible.
Product: Debt collection

I am a victim of identity theft. In XXXX someone got my name and social security number. They used my identity to get cable service ( this creditor let people apply over the phone for cable, with just a Social security Number, name and good credit. The thief paid the bill until XXXX, then stopped paying, the thief lives in Indiana and I live in Illinois. Someway the creditors put me in collection. I contacted FTC regarding my Identity theft, and my credit score went back up, the collection agency, stopped harassing me. On XX/XX/XXXX, My bank contacted me stating that there is a major derogatory activity on my credit report. I contact the FTC, they was not handling this kind of case they said. They sent letters on line for me use. But I thought this is subsequent to the first Identity case. My bank said, maybe I should contact the credit bureau, I did, but I have been treaty like I am the crook. XXXX did an investigation with input from the creditor/collection agency and no input from me. The results I do not understand. It was sent to me om XX/XX/XXXX, stating that the status is {$1000.00}, is past due as of XX/XX/XXXX, and this account is scheduled to continue on record until XX/XX/XXXX. They also put the thief address and phone ( I believe ) as my address, Again I never live in Indiana or had a phone in Indiana. When I called the agent, she was not helpful to me. She asked me to send a police report and my social security number, I had a hard time finding the police report, so call the police department, XXXX XXXX, They said I need to come in a fill a request sheet and sign, and it would toke two to six weeks. I found the report, I was going to send it in, when I got  the investigation report. If you can help me, please do. Thank-you, for all you do for me and other consumers. 
p.s. I do not understand the finding. I am not the thief, how can major derogatory information be on my credit report until XXXX.
Product: Credit reporting or other personal consumer reports

I recently financed a vehicle through XXXX XXXX XXXX. I specified which lenders the dealership was authorized to run my credit with, but they arbitrarily ran my credit with lenders that I did not authorize. I contacted XXXX to explain the situation and they did dispute and delete duplicates, but they did not remove all of the inquiries I noted that I did not authorize. The instead told me to contact each lender individually and request that they send XXXX a notice to delete the inquiry. In this case, where I did not authorize the hard inquiries and also do not have the necessary contact information to dispute each item individually, I am writing to CFPB in an effort for a swift resolution as I now have 10 unauthorized hard inquiries that are not scheduled to be deleted until 2027.
Product: Credit card or prepaid card

On XX/XX/XXXX I applied in person for a XXXX XXXX credit card ( through comenity bank ). I knew I had a freeze on XXXX and asked the girl if they pulled through them as I still hadnt lifted the freeze. She did not know and proceed with the application. She stated I would receive a letter in the mail. I assumed that meant a decline or it was affected by credit freeze, since I know that if it was Approved I would have been notified right there. I waited 5 days for the freeze to be officially lifted. I received no notification from the bureau that an inquiry had been made, so I reapplied online XX/XX/XXXX. It said I would receive a letter in the mail. When I got the letter XX/XX/XXXX in the mail it said that they could " not process any additional applications received within 30 days of a previous application ''. I called Comenity Bank the week of XX/XX/XXXX and the gentleman confirmed they could not review the request within 30 days and also stated the application made XXXX in person was incomplete. My bureau does not show an inquiry made XXXX since the freeze was active. I never received any adverse action for a declination. My credit was pulled XX/XX/XXXX. I do not believe there should be a hard inquiry made if they cant accept an application. I believe that an adverse action should have been provided, or no credit hit. My score is high. There are 0 delinquencies. There is no reason to decline. The first application was not only incomplete per Comenity, but there was no credit pull therefore its not a complete application. I feel this is a violation of credit laws.
Product: Credit reporting or other personal consumer reports

i am filling this FTC identity affidavit to report 2 separate fraudulent accounts appearing on my consumer fico credit report that i dont recognize as reported and which are the results of identity theft and fraud. these fraudulent accounts consist of personal credit card around may account opend with XXXX XXXX XXXX on XX/XX/year> XXXX These accounts have resulted in hard inquiries on my consumer credit profile. I demand that aforementioned fraudulent items be removed from each of my consumer reports and that all collection activity related to said items cease pursuant to my rights with in the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX : {$2000.00}, XXXX XXXXXXXX Balance : {$1200.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPD lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate these/my claims adequately. They informed me/us that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's 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: Debt collection

I had negotiated a settlement with Citibank for a COSTCO VISA card. Despite making two payments to them and receiving several correspondence that my account was fine, " out of the blue '' I started to receive what, in my opinion, is continuously harassing phone calls from XXXX XXXX XXXX XXXX. I spoke with their representative, XXXX XXXX XXXX, and told her I had previously arranged a settlement with Citibank. I encouraged her to contact Citibank for further information. Despite this, she continues to call. I have also made numerous and repeated attempts to contact Citibank. But, either the call gets transferred to departments that are closed or they " fall on deaf ears '' by Citibank representatives who refuse to correct the problem. This has been very taxing on me emotionally and is also negatively affecting me financially.
Product: Debt collection

XX/XX/year> - XX/XX/year> I received correspondence from XXXX XXXX XXXX XXXX regarding an amount of XXXX A request written and oral was made in writing to Cease and Desist all communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  was filed on XX/XX/XXXX. XXXX XXXX  was converted in XX/XX/XXXX due to loss of income under XXXX. XXXX XXXX was discharged in XX/XX/XXXX. Credit bureau and secondary reporting sources are reporting this information incorrectly as XXXX XXXX XXXX being filed XX/XX/XXXX, which is incorrect, as a XXXX XXXX  is not open for 3 years. The account number varies on all platforms as the conversion added additional characters to the end of the account number. Clerk of courts do not verify this information, and the bureaus are using a third party system XXXX  to verify, which does not mean that the information listed is accurate, as in this case. This is being used in lieu of officially verifying correct details through the clerk of courts who do not physically furnish any details to reporting agencies regarding a consumer 's filing. The following accounts were included in the bankruptcy and should also be removed as they are identified as being included the bankruptcy which was required by law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inaccurate reporting of the bankruptcy violates my rights under FCRA under the following codes : 15 U.S.C. 1681 Section 602 ( A ) 15 U.S.C. Section 604 ( A ) ( 2 ). 

Please do not utilize electronic verification via XXXX as the information reported is indeed incorrect, as it does not reflect the correct filing chapter/status as indicated above so reviewing this information for accuracy will still provide inaccurate information which is the issue. The only way to confirm this information directly is via the Clerk Of Court. I have already confirmed with the Clerk of Court that no such verification is provided to credit reporting bureaus, which means there is no way to accurately verify this information with a live person as the automated systems of XXXX XXXX XXXX XXXX , are incorrect. Utilizing these services as verifiable, would continue to violate my rights and go against fair and accurate reporting. XXXX has removed the Bankruptcy from their system based on the information reflected above as there is no way to officially verify the incorrect information.
Product: Money transfer, virtual currency, or money service

I am filing a formal complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 ( a ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, which constitutes an unfair and deceptive act or practice under the CFPA.

Furthermore, Cash App 's dispute resolution process was both unfair and deceptive. They failed to comply with the error resolution process was both unfair and deceptive. They failed to comply with the error resolution requirements mandated by the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693f, and its implementing regulation, Regulation E, 12 C.F.R. 1005.11. These laws require financial institutions to investigate and resolve disputes promptly and in good faith, yet Cash App failed to meet these obligations. 

These violations have caused significant inconvenience and financial loss. I am seeking appropriate redress for these violations of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began suspecting there was an issue when I started receiving random weird letters stating that I owed money for items that I have no recollection of making purchase. I began to do research to figure out what the issue was and resolution to this problem would be which led me to file a report
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a look at my Credit Report and noticed a few Hard Inquiries that seem very suspicious. I have never seen these HARD INQUIRIES and I did not Authorize my Credit to be checked in order for these Inquiries to show on my Credit report please remove them asap.
Product: Debt collection

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Tx XXXX XXXX XXXX RE : Request for Records Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act Dear Sir or Madam : I am a victim of identity theft. The thief made a fraudulent transaction/opened a fraudulent account in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent accounts identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. 

I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic. Enclosed with this request is the following documentation, as applicable : Proof of my identity : A copy of my drivers license, other government-issued identification card, or other proof of my identity ; and Proof of my claim of identity theft : A completed and signed FTC Identity Theft Report or alternative affidavit of fact. 

Please provide all records relating to the fraudulent accounts, including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at the above address. If you have any questions concerning this request, please contact me at the above address or at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice Fraudulent accounts being reported on my credit file and according to the FCRA 15 USC 1681 it is illegal to report inaccurate information, I am a victim of identity theft and did not make them charges please delete the accounts that's attached to the affidavit immediately. I have reported the theft of my identity to the FTC and my State Attorney general office. please delete the accounts as soon as possible to correct my credit file.
Product: Credit reporting or other personal consumer reports

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.
Product: Debt collection

I financed a XXXXXXXX XXXX XXXX XXXX  in XXXX of XXXX. I made the final payment on the loan XX/XX/XXXX. See attached confirmation email from XXXX XXXX, the holder of the loan. A debt collection agency Zions Debt Holdings is falsely reporting this debt to XXXX and XXXX and attempting to collect on a paid debt. They are claiming they purchased the debt from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been consistent with child support in the state of XXXX county of XXXX County. I am making weekly payments, however, I am still having child support negatively reporting on my credit report. Every week I am making child support payments. Yet it is not showing positively on my credit report.
Product: Debt collection

On XX/XX/year> I went on my consumer report and saw the account collection management on the consumer report. I have no knowledge of this account I have not received anything concerning this account and that is illegal under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset with this issue. I sent a letter to the Creditors regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Product: Debt collection

the is an account on my credit report tha'ts not my and maybe the result of i.d theft or some sort of cyber hack. 

delete and remove, do not sell, transfer, repost or re-report.
Product: Credit card or prepaid card

I disputed a charge with Citi Executive MC in the amount of {$2200.00} on XX/XX/2021. The charge was for dental veneers from the office of XXXX XXXX XXXX XXXX, XXXX, FL. I paid for XXXX dental veneers from XXXX XXXX and his assistant provided negligent work which XXXX XXXX refused to redo without full repayment. I was forced to have the negligent work removed and redone by another dentist, XXXX XXXX XXXX XXXX, XXXX, FL for {$2400.00} and this charge is reflected on the same credit card. 

Citi found in favor of the dentist despite letters from the new dentist stating the work from the XXXX XXXX 's office was negligent and was causing and would continue to cause worsening health problems. I appealed their findings and Citi found in favor of the XXXX XXXX 's office once again stating the " XXXX XXXX provided the work '' and therefore I have no grounds for a dispute. I vehemently disagree. I paid for XXXX dental veneers which were seated ( cemented in ) negligently. They needed to be removed and replaced, which XXXX XXXX refused to do, and therefore he did not provide the service I paid for. 

I escalated my dispute to Citi 's ERU ( Executive response ) team and this morning received a letter with multiple typos, several grammatical errors, and misuses of context as well as misinformation all through the letter stating that they " respectfully decline to issue a credit '' once again. 

I have filed a complaint against the Florida Board of Health against the dental office and know that the assistant is facing disciplinary action for performing work she is not licensed to perform regarding my treatment and XXXX XXXX XXXX also be facing disciplinary action, as well, because their investigation is ongoing, but why Citi continues to make me pay for botched dental work, just because the dentist has responded to their inquiry that he preformed the work, is troubling. 

I want the full amount of the charge from XXXX XXXX XXXX of {$2200.00} credited to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX XXXX {$710.00} XXXX XXXX account. {$710.00} written off. {$710.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$990.00} XXXX XXXX account. {$9.00} FCRA violations : payments never late XXXX XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$19000.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$23000.00} Status Open.