23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, a robo caller voicemail message stating the following : Hello this is an important message for XXXX XXXX not XXXX. This is not a sales or marketing or sales call. Please call us toll free at XXXX when you call, please quote your reference number XXXX Thank you have a nice day. No mention of the collection agency name! 
The collection XXXX is XXXX XXXX XXXX. XXXX is : XXXX XXXX XXXX waited XXXX  years or XXXX XXXX did not send it for collection until XXXX  years later. I did not receive any statements. 
On XX/XX/XXXX, After returning from XXXX XXXX XXXX, I started returning any voicemails I have. I called and got the same lady before stating another statement for payment but did not acknowledging the payment arrangements. 
On XX/XX/XXXX, I receive a call and spoke to the Office Manger ( not sure but think her name is XXXX in the conversation I was told a statement was mailed in XXXX. If I'd received the statement, I would have quickly made arrangement to pay the bill or pay in full. So, she sent one via email then I called to tell them what amount of the payment I could make. She tried to bully me and threaten me with Collection efforts so I told her those tactics would not work. Later we were able to discuss payment arrangement ( she agreed to ) and told me she would notate the account. I am receiving XXXX XXXX which is a fixed income and will not commit to payments I can not pay. well, I had an appointment with XXXX XXXX for my XXXX XXXX XXXX and decided to call first. I spoke with the Front Desk Person, so I explained payment arrangement were made with the Office Manager. She said let me ask the doctor and I was placed on hold over XXXX mins. I felt the long hold was for me to hang up and she knew my appointment was in an hour. In addition, she knew I would not have time to get to the appointment. She says XXXX XXXX said he would not see me without paying {$50.00} that {$10.00} as agree was sent to them. 
I will request XXXX to send that statement to me. However, if there is a charge for the XXXX archive statement, XXXX XXXX 's office will need to pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has totally XXXX up my accounts attach is a correct credit file from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was 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 for consumer safety.
Product: Debt collection

On XX/XX/XXXX I.C systems emailed me regarding a debt that I owe in the amount of {$890.00} after the next few weeks in XXXX I had gotten consistent emails from them regarding the amount I needed to pay. Id say about weekly theyd email me after the initial email on XX/XX/year>. I do not believe that the debt that was reported on my credit report is valid nor have I signed any purchase agreement with this company. I do not know who they are
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit report is incorrect and has already been disputed and still not updated
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX XXXX, Consumer, who currently reside at XXXX XXXX XXXX XXXX XXXX FL, which is in XXXX County XXXX I am writing this complaint because Equifax removed the accounts as requested in CFPB Complaint : XXXX. However, after removing these negative, inaccurate, inequitable, libelous accounts, Equifax XXXX XXXX, decided to re-insert these accounts without notifying XXXX XXXX XXXX, XXXX, or verifying that these accounts were accurate. This is a violation of 15 U.S.C 1681i ( a ) ( 1 ) ( A ) ( 2 ) ( A ) ( B ) ( 5 ) ( A ) ( i ) ( ii ) ( B ) ( i ) ( ii ) ( iii ) ( I ) ( II ) ( III ) ( C ) ( D ) ( 6 ) ( A ) ( B ) ( i ) ( ii ) ( iii ) ( iv ) ( v ) ( 7 ) ( 8 ) ( d ).
Product: Credit card

Customer Service American Express [ American Express Address ] Dear American Express Customer Service, I am writing to formally address my recent application for credit with your company. I believe this application has been treated as an equitable security, and I am aware that American Express has been able to derive financial benefits from it. 

As I have not received any benefits from my application, I consider this situation to amount to unauthorized use of my information. In light of this, I request a detailed explanation of how my application has been utilized and the financial gains derived from it. 

Additionally, I would like to request documentation in accordance with Generally Accepted Accounting Principles ( GAAP ) that pertains to my application. If necessary, I am prepared to conduct a CUSIP audit to ensure all transactions are transparent and accurate. 

Thank you for your prompt attention to this matter. I look forward to your response. If my request is not satisfied I will be filing a lawsuit for securities fraud. 






Don't
Product: Credit reporting or other personal consumer reports

THIS XXXX ACCOUNT HAS BEEN REMOVE FROM MY REPORT AND INSERTED BACK ON MY REPORT WITHOUT PROPER KNOWLEDGE OF IT. PER FCRA THEY HAVE TO LET ME KNOW FIVE DAYS WITH WRITTEN NOTICE ABOUT REINSERTION. ALSO I HAVE 1099 C FROM IRS WITH CANCELLATION OF DEBT FROM XXXXXXXX XXXX XXXXXXXX. THIS SHOULD NOT BE REPORTING I ITS A TAX WRITE OFF.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS 15 U.S.C. 1681 section 602 A 15 U.S.C. 1681 section 604 A section 2 15 U.S.C.1681 1681c ( a ) ( 5 ) 15 U.S.C. 1681s -2 ( A ) ( 1 ) they have violated several of my right with no regard of congress making these laws
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX ) XXXX XXXX & CO XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

XXXX XXXX I checked my XXXX XXXX account when I noticed a 16 point drop, said I had a negative inquiry, I have Immaculate credit no Collections and I pay my bills on time, I was very surprised, their was a radiology bill in the derogatory marks section of my XXXX report. I immediately called XXXX  to find out more information about it I was told that it posted on XX/XX/XXXX it did not become available to me and till XX/XX/XXXX, I filed a dispute and called XXXX XXXX to find out why I had a bill and why I was not notified, apparently they sent it to the wrong insurance company, had my address as the insurance company it was for XXXX dollars from XXXX, I asked the quickest way to resolve this that I had insurance and they should have paid it, they said the quickest way to resolve was to pay the bill but I couldn't pay them I had to pay Merchant collection agency in XXXX Washington I immediately got off the phone and called Merchants collection agency the lady that I spoke to told me that the good news was that as long as I paid the now {$46.00} collection day that it would be reported and taken off so I went ahead and immediately paid the {$46.00} and that was that XX/XX/XXXX I got on my XXXX XXXX account first thing in the morning to check and noticed that the collection was still showing unpaid and their, I immediately called XXXX they said it was still showing unpaid, I called Merchant credit agency and told them I had paid bill and what I was told they basically told me that they will report it when they want and that they have thousands of people with debt and their not going to report one debt paid, im very frustrated, this was a bill that was to be paid by my insurance, but to resolve the issue it only being XXXX dollars I paid it, I want the bill showed as paid and to be removed, I had excellent credit, now it shows good, I dont want it to catch on to my XXXX and XXXX as it has not yet happened, this does not sound right to me, if a bill is paid it should be reported as paid
Product: Credit reporting or other personal consumer reports

There are two accounts reported by XXXX XXXX ( XXXX ) that continue to reage and extend past the 7 year limitation of the FCRA. Experian is the only one that continues reage, XXXX and XXXX have deleted due to the 7 year. They were due to delete already but Experian updated the information. I have old Experian reports showing that they were due to be deleted which I can provide those pages, and the reports with the new data. They were due to delete XXXX, 2024 and XXXX, 2024 but Experian extended the reporting another 6-7 months. I tried calling their referred number and provide my report number as they will not allow opportunity to dispute online.
Product: Debt collection

The company claims they sent something and I didnt receive anything. The dates communicated is not the original date. They havent provided any verification or validation of this alleged debt. What is the original date of the alleged debt?
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding Experians repeated failure to comply with federal laws under the Fair Credit Reporting Act ( FCRA ). Despite multiple dispute letters sent to Experian regarding inaccuracies on my credit report, they have failed to adequately investigate or correct the errors as required under the following statutes : 15 USC 1681e ( b ) : Experian has failed to ensure the maximum possible accuracy of the information in my credit file.

15 USC 1681s-2 : They have not enforced the responsibilities of the information furnishers.

15 USC 1681i ( 5 ) : Experian has failed to conduct proper reinvestigations and remove inaccurate information.

15 USC 1681c ( c ) : Prohibited or outdated information remains on my credit report.

Additionally, I have learned of the recent CFPB lawsuit against Experian alleging sham investigations of credit report disputes. My experience aligns with the claims in the lawsuit, as Experian has either ignored my disputes or failed to conduct a proper investigation, threatening my access to credit, employment, and housing. 

On XXXX, I sent a notarized dispute letter to Experian requesting an investigation into the inaccurate information on my credit report, such as the Inaccurate balances, dates, addresses, ect. 


Experian responded by stating that " all information was verified, '' without providing any evidence of the verification process or addressing the inaccuracies in detail. 

On XXXX, I sent a 2nd notarized dispute letter to Experian again requesting an investigation into the numerous inaccuracies on my credit report. 

Experian again, responded by stating that " all information was verified, '' without providing any evidence of the verification process or addressing the inaccuracies in detail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Request for Removal of Late Payments and Inaccuracies - Account Number XXXX I am writing to request the removal of late payments and inaccuracies from my credit report, specifically regarding the account with account number XXXX, held with XXXX XXXX XXXX. These late payments and inaccuracies are in violation of 15 U.S.C. 1681a, which guarantees my right to privacy and accuracy of information.

According to 15 U.S.C. 1681a, as a consumer, I have the right to expect that the information in my credit report is accurate and reflects only valid transactions and experiences. However, upon reviewing my credit report provided by Experian, XXXX, and XXXX I have discovered several instances of late payments and inaccuracies associated with the account. These discrepancies not only misrepresent my financial history but also infringe upon my right to privacy as protected by 15 U.S.C. 1681a. 

Considering the above, I kindly request that XXXX, Experian, and XXXX take immediate action to address the following : XXXX a thorough investigation into the late payments and inaccuracies associated with account number XXXX. 
Remove all late payments and inaccuracies from my credit report that are not in compliance with 15 U.S.C. 1681a. 
Update my credit report to accurately reflect my payment history and remove any erroneous information related to the account in question. 
Provide written confirmation of the corrections made to my credit report within 30 days. 
I expect that XXXX, Experian, and XXXX will handle this matter with the utmost urgency and resolve the violations of 15 U.S.C. 1681a promptly. It is crucial that my credit report accurately represents my creditworthiness and financial history, and that my right to privacy is respected. 

Thank you for your immediate attention to this matter. I anticipate a swift response and resolution in accordance with the requirements outlined above. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I've asked that this account be deleted from my XXXX Credit report because payments were met and it's still revolving monthly on XXXX credit report. XXXX is the worst about removing old information from consumers reports. I disputed this se account with experian and it was deleted, so it should be deleted from the rest. Frankly, I'm tired of looking at the same old accounts each month on my credit report. I want this Deleted.
Product: Credit card

My husband and I bought wedding rings at XXXX XXXX using their financier - Comenity Bank ( Bread Financials ). Each ring has it's account and it was a total of 4 accounts. I recently noticed, while reviewing monthly statements, that the financiers have been deliberately defrauding me by making sure that at least on of the 4 accounts does not have funds allocated that would cover the finance charge, thereby creating a higher closing balance on one of the accounts so that interest can be charged on the new and higher balance every month. 

This has been going on for a long time as the XXXX  statements shows. In XXXX, this contributed to the {$3500.00} charged as interest for the year. 

I have been paying way above the minimum payment but the bank keeps fraudulently ensures that one of the accounts doesn't get enough allocation to cover it interest charge. In XXXX, the minimum payment was {$230.00} and I paid {$400.00}, yet an account with an interest charge of {$17.00} only got allocated {$14.00} from the {$400.00} paid. The difference was added to the balance so they can charge interest on the new total. This has accumulated over the years because it's been like that and I only just started reviewing the statements.
Product: Debt collection

Your debt validation is confusing, some text is unreadable and my name is also misspelled. You might be mistaking for someone else, My last name is XXXX not XXXX not shows that my name is XXXX and just who is that? I need more precise information so please send me something that specifically shows each and every piece of information requested on my debt validation request. If you can not provide me complete and clear information please remove it. That is not a validation of debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.
Product: Credit reporting or other personal consumer reports

Dear Experian, While reviewing my most recent credit report, I noticed multiple credit inquiries that I do not recognize or recall authorizing. Over the past few years, I have been impacted by numerous data breaches, and I am concerned these inquiries may be fraudulent. Thankfully, these inquiries are not attached to open accounts, but their presence on my credit report is highly concerning. 

I am formally requesting that you investigate the following inquiries and provide documentation demonstrating permissible purpose under the Fair Credit Reporting Act ( FCRA ), Section 1681b ( c ), for these companies to access my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX : I do not recall authorizing this inquiry. Please investigate and remove it from my credit report immediately. 
XXXX XXXX | XXXX : I do not recall authorizing this inquiry. Please investigate and remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX : I do not recall authorizing this inquiry. Please investigate and remove it from my credit report immediately. 
XXXX XXXX XXXX | XXXX : I do not recall authorizing this inquiry. Please investigate and remove it from my credit report immediately. 
XXXX XXXX XXXX | XXXX : I do not recall authorizing this inquiry. Please investigate and remove it from my credit report immediately. 
XXXX XXXX  XXXX XXXX : I do not recall authorizing this inquiry. Please investigate and remove it from my credit report immediately. 
XXXX XXXX XXXX | XXXX : I do not recall authorizing this inquiry. Please investigate and remove it from my credit report immediately. 

Under the FCRA, I am entitled to know the permissible purpose under which these companies accessed my credit report. I demand validation for each inquiry, including documentation bearing my signature, authorizing these entities to perform a credit inquiry. 

If these inquiries can not be validated or verified, I demand their immediate removal from my credit report to prevent further harm to my creditworthiness and privacy. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within 30 days, as required under the FCRA.
Product: Credit card or prepaid card

Were the Consumer Financial Protection Bureau, a U.S. government agency dedicated to making sure you are treated fairly by banks, lenders and other financial institutions. 

I AM NOT BEING TREATED FAIRLY BY NAVY FEDERAL!!!! EVERY MONTH THE XXXX  USELESS INCOMPETENT XXXX FIND NEW WAYS TO SCREW ME OVER AND I'M SICK OF IT!!!! THEY ALLOWED A FRAUDULENT CHARGE ON MY XXXX AND NOW REFUSE TO SEND ME A REPLACEMENT!!!! I PAY MY CREDIT CARD BILLS ON TIME AND IN FULL EVERY MONTH!!!!! IF SOMETHING HAPPENS TO MY VISA THEN I WILL HAVE ZERO CREDIT CARDS TO USE!!!!! WHICH ALSO MEANS I WILL BE WITHOUT CELL PHONE USE SINCE MY CELL PHONE IS PAID EVERY MONTH ON MY CREDIT CARD!!!!! THIS IS COMPLETELY UNACCEPTABLE AND I WANT MY REPLACEMENT XXXX SENT TO ME IMMEDIATELY!!!! WHY DO I HAVE TO SUE NAVY FEDERAL TO GET CUSTOMER SERVICE????? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I paid XXXX XXXX XXXX XXXX XXXX {$200.00} through XXXX on XX/XX/2020 to prepare a civil complaint to be filed in the XXXX XXXX XXXX XXXX XXXX XXXX in Pennsylvania. The contact person, " XXXX XXXX '', did not fulfill the service which he was hired for and I had to prepare and file the complaint on my own. XXXX XXXX would not refund my {$200.00}. I contacted both XXXX and Direct Express to make formal complaints. On XX/XX/2020, I emailed Direct Express telling them that I disputed the transaction. They never replied back. On XX/XX/2020, I realized the company put a hold on my account and I was unable to make any purchases. Being that this is my only means of income and making payments, I emailed Direct Express asking that they release the hold. On the same day, I sent a follow up email to Direct Express explaining that the transaction dispute was due to XXXX XXXX XXXX XXXX XXXX not fulfilling their contractual duty. I never heard back from Direct Express though they did release the hold. On XX/XX/2020, I sent a letter to Direct Express via regular mail with a detailed explanation of the transaction dispute with XXXX XXXX XXXX XXXX XXXX. Direct Express never replied. On XX/XX/2020, I sent a letter to Direct Express via regular mail explaining that XXXX will not issue a refund and that per their request, I need to follow through with asking for a refund through the card company. Direct Express never replied. On XX/XX/2020, I sent a letter to Direct Express via regular mail with an attachment correspondence from XXXX. They never replied. On XX/XX/2020, I emailed Direct Express for a status update. In that email, I made it known that I tried calling Direct Express ' customer service at XXXX but the automated recording asked for a " service record number ''. I was never issued a " service record number '' and still Direct Express never replied. I switched my attention to XXXX and filed a formal complaint against them through the CFPB website. XXXX stands firm that they are not responsible for issuing a refund since XXXX is just a payment processor tool and it's up to the merchant to send a refund and when the merchant ( XXXX XXXX XXXX XXXX XXXX ) doesn't comply, then the person making the complaint needs to file a dispute with the card company where the payment was made. I have made multiple attempts to get my refund through both XXXX and Direct Express. The difference is that XXXX had the decency to reply each time I contacted them ; Direct Express has NOT REPLIED ONCE WHATSOEVER. If Direct Express is the source for me to get a chargeback of {$200.00}, then they need to comply.