23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have hired a debt consolidation legal firm XXXX XXXX XXXX to aid me in paying off my credit card debt. I was notified end of XXXX that XXXX XXXX XXXX was representing capital one for the unpaid cc balance. I forwarded the summons to XXXX. A few weeks later I was notified that XXXX had obtain a judgement. I sent that document to XXXX. I also reached out to XXXX to work out a payment plan- they advised me that NO ONE would talk to me because I was being represented by a legal firm. I called XXXX to help get this settled. XXXX called me and then advised me that XXXX would not work with them because I owned that debt. I keep receiving notifications that XXXX has received judgements increasing the amount owed each time and when I contact them to settle the debt- and demand someone assist me with my debt- they keep telling me no one will speak to me from there since i have a legal debt company representing me. Im afraid they are just going to empty my bank account one day and that alloted money wont be able to pay my monthly bills. I need help. I have been jerked around back and forth between the 2 companies since XXXX while continuingly making my monthly payments to XXXX. 
I can not get help from XXXX and XXXX wont speak with XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Bankruptcy Reporting Due to Non-Reporting by Georgia XXXX Bankruptcy XXXX To Whom It May Concern, I am writing to formally dispute the bankruptcy information reported on my credit file. According to my records, a bankruptcy case from the Georgia XXXX Bankruptcy XXXX is currently listed on my credit report under the account associated with **Case Number XXXX. However, I have confirmed that the Georgia XXXX Bankruptcy XXXX does not report to the credit bureaus, meaning the information appearing on my report was not provided by the court itself. 
Under the **Fair Credit Reporting Act ( FCRA ) ** and **federal law**, all information on a consumer 's credit report must be **accurate, verifiable, and reported by an authorized entity**. Since the Georgia XXXX Bankruptcy XXXX does not report bankruptcies to the credit bureaus, the inclusion of this information on my report is **unverifiable and must be removed XXXXy**.

Additionally, I am invoking my rights under the following federal statutes : - **15 U.S.C. 6802** - Prohibits unauthorized disclosure of financial information.

- **15 U.S.C. 1681e** - Requires consumer reporting agencies to ensure the maximum possible accuracy of information.

- **15 U.S.C. 1681b** - Limits who may access a consumer report and for what purpose.

- **15 U.S.C. 1681q** - Prohibits obtaining consumer information under false pretenses.

- **15 U.S.C. 1681c-2** - Grants consumers the right to block fraudulent information from appearing on their credit reports.

- **18 U.S.C . 1028A** - Criminalizes identity theft and the misuse of personal information.

Because this bankruptcy information was not reported by the court and is therefore **unverifiable**, its presence on my credit report constitutes a **violation of my rights under the above statutes**. If this information is not removed, I will have no choice but to escalate this matter by filing a formal complaint with the **Consumer Financial Protection Bureau ( CFPB ) **, the **Federal Trade Commission ( FTC ) **, and other relevant authorities.

I request that this bankruptcy entry be deleted from my credit file **immediately**, as required by law, and that I receive a written confirmation of its removal.

Please conduct an immediate investigation and provide written confirmation of the results. I have enclosed a copy of my **identification** and a copy of my **credit report with the inaccurate information highlighted** to assist in your review.

Thank you for your prompt attention to this matter. I look forward to your response within the legally mandated timeframe of **30 days** from the receipt of this letter. 
Sincerely, XXXX XXXX
Product: Debt collection

I just received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from third party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation.
Product: Debt collection

I never received any notices about a debt that was in my name. The only thing I received from the company is a lawsuit. I have some things on my credit that are not valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax, and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : 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 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

On XX/XX/2022, my phone cell phone stop working, later in the day i see email from Citibank asking if i authorized a wrie transfer to " XXXX XXXX '' ( Never heard that name ) in the amount of {$50000.00} which i click " NO '' then in two mintues i receIved another email saying my transfer was release. I immediately call Citibank using my work phone to say that i did not authorized this transcation the representative simpily said " Oh this was send already you have to contact Fraud department and dispute it '' I CRY AND SCREAM no one listen.

I was advised by the Fruad department to fill out a form explaining what happened, i did that and Citibank Denied my claim. I am begging this is my hard working money that me and husband working and saving for years and in no minute Citibank gave it away. 
I went to the phone company and i was advised that my phone was hacked XXXX was swap, someone was using my phone to call Citibank to do this wire transfer. 
My cell phone was not working for me it was saying out of service. I have all records from the phone company showing XXXX was swap. 

I AM BEGGING SOMEONE PLEASE HELP ME TO GET MY MONEY BACK FROM CITIBANK I HAVE CHILDREN GOING TO XXXX  AND SCHOOL I NEED MY MONEY PLEASE.
Product: Money transfer, virtual currency, or money service

Heres a revised version without requests for specific dates or amounts : On multiple occasions, I used Zelle to send payments, but the funds were mistakenly sent to the wrong recipient due to the lack of verification of the recipients phone number or email address before completing the transactions. 

Each time, I contacted the recipients to request refunds, but they declined to return the funds. I also reported the issue to Zelle ( or the bank facilitating the transfers ) and requested assistance in recovering the payments. However, I was informed that Zelle transactions are considered final and irreversible, and no further help could be provided. 

I believe the absence of a recipient verification process before sending payments contributed to these errors. I am seeking assistance in recovering the funds and encouraging Zelle to implement safeguards to prevent similar issues for other users in the future. 

Let me know if you need further adjustments!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received two identical letters from XXXX XXXX XXXX thanking me " for applying for XXXX XXXX XXXX communications or entertainment services '' for which I have not applied. It also included a very low " XXXX XXXX XXXX credit score, '' based on information from the credit bureau SageStream LLC. I have had XXXX XXXX XXXX mobile service for years, my account is in good standing, always paid in full. However, I have not applied for any additional services. I checked my free annual credit report and did not see anything related to this. 

The letters seem suspicious to me for several reasons : they do not identify which service was applied for, I had never heard of SageStream LLC, and I have not applied for any services. 

On XX/XX/XXXX I called the XXXX XXXX XXXX Global Fraud Management Organization at XXXX ( listed on their website ). The representative said there have been no applications with my SSN. She had also never heard of SageStream LLC, did not know why I received the letters, and told me to disregard them. 

I searched for information about SageStream LLC, and found many reports of experiences similar to mine. I am not willing to contact SageStream LLC and provide them with any of my information, because it seems that they are a scam.
Product: Debt collection

XXXX XXXX credit card Compromised : fraudster : XXXX XXXX XXXX XXXX XXXX location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX made deposits to the account from a Bank of America account. XXXX XXXX said that they suspect fraud the money was transferred by phone. and than returned because they could not collect debt of $ XXXX.paymentsDate Method Account Name Payment Account Confirmation Code Amount StatusPending PaymentsPayment HistoryXX/XX/2015 Phone Platinum MasterCard ... XXXX Personal CheckingBANK OF AMERICA, NA ... XXXX XXXX {$12000.00} PaidXX/XX/2015 Phone Platinum MasterCard ... XXXX XXXX SavingsBANK OF AMERICA, NA ... XXXX XXXX {$11000.00} PaidXX/XX/2015 Phone Platinum MasterCard ... XXXX Personal CheckingBANK OF AMERICA, NA ... XXXX XXXX {$8900.00} XX/XX/2015 Phone Platinum XXXX ... XXXX Personal CheckingBANK OF XXXX, NA ... XXXX XXXX {$5000.00} PaidXX/XX/2015 Phone Platinum MasterCard ... XXXX Personal CheckingBANK OF AMERICA, NA ... XXXX XXXX {$8800.00} PaidXX/XX/2015 Phone Platinum MasterCard ... XXXX Personal SavingsBANK OF AMERICA, NA ... XXXX XXXX {$4800.00} PaidXX/XX/2015 Phone Platinum MasterCard ... XXXX Personal SavingsBANK OF AMERICA, NA ... XXXX XXXX {$4200.00} Paid
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked overbmy credit report, and I have seen that with tje alleged account ( US DEPT OF EDUCATION/XXXX ) Is reporting to the credit bureau with a few discrepancies in the alleged account with the followng information : ( Name of Creditor : US DEPT OF EDUCATION/XXXX ), ( monthly payment -- ), ( term -- ), ( Worst payment status -- ), ( CONTACT ADDRESS US DEPT OF ED/XXXX XXXX XXXX XXXX, WI XXXX USA Mail only ) is being reported on XXXX. 
However, XXXX  is reporting the same alleged account information ( Name of Creditor : US DEPT OF EDUCATION/XXXX ), ( monthly payment {$0.00} ), ( Term : 0 month ), ( worse payment status : current ), ( CONTACT ADDRESS : US DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX USA ( XXXX ) XXXX ). 
This can not be the same creditor, as the information would indeed reflect the same information as one another, and not be different in any manner. 

I have provied for validation sake, several screenshots of the alleged account information and the inaccuracies reporting to XXXX  and XXXX, showing the different in this alleged Information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120 ) days late on the DEPTEDXXXX/XXXX/XXXX accounts. ( Please see attached credit report along with a spreadsheet with account numbers. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit card

I recently discovered that US Bank has been reducing my rewards on my XXXX XXXX XXXX XXXX XXXX Card ending in XXXX without out notice of any kind that they were reducing my rewards. In 2023 they reduced by rewards from XXXX to XXXX. The statements have no information on the reduction or warning of further reductions. This likely amounts to XXXX  of dollars for customers.
Product: Debt collection

I have a host of issues with these debt collectors however I picked the attempt to collect the wrong amount about my complaint. On my consumer report there is reported information about of an amount XXXX flat alleged owed however the collection agencies are asking for amounts of XXXX, XXXX and or XXXX federal law states they can not collect ANY amount unless expressly authorized. I have no agreement with this company and I never received any paperwork, no contract anything, that would allow me to validate anything 5 days after since this initial communication was sent to me. Instead I am told I have " generous settlement terms. '' Settlements only happen to avoid suits. All I see is settlements and settle within this notice and I am scared like XXXX? And I can confirm they are trying to scare me into believing this is a legal matter because they put on my consumer report " assigned to an attorney. '' This can't be legal! How can I possibly be sued without this information verified on amounts that are not consistent from two different debt collectors? Yeah one is named Absolute Resolutions Investments LLC and they are telling me I allegedly owe them money by they said themselves they paid for the debt, so how is that even possible? Then they are telling me to not pay them but pay another company by the name of XXXX XXXX XXXX XXXX This seems like a scheme to defraud of money I do not owe either company. They have also committed debt parking by placing this false debt on my consumer report saying it was assigned to an attorney. I believe between debt parking and quoting settlements, this was a strong attempt to extort money from me illegally and I am asking for the CFPB to put an end to this situation please. I have been unable to use to extend my credit for the entire year of 2020 and this made it extremely difficult to get a job. I haven't been able to get reliable work because they always check my credit and see this XXXX account on my credit report.
Product: Checking or savings account

While I was incarcerated my home was broken into. My credit karma debit card was stolen from my home and was used to make purchases that were not Authorized by me. I had filed dispute with credit karma spend and was never given a provisional credit like they said they would by the XXXX day. On the XXXX th day my disputes were denied, how they did their investigation to come to that conclusion is beyond me. I filed an appeal to have disputes reviewed and was denied again. I was told that I was a liar and I wasn't incarcerated like I said I was. That they contacted the place I said I was incarcerated at and they told them there was no record of me being there.. which is probably true they wouldn't have no record because I had my record sealed/expunged. Unless there is a court order credit karma spend can not see or ask about me bring incarcerated. I sent them everything they needed to see about my where abouts. I still have my paperwork from when I was incarcerated so I can show anyone I would like to.. I just want my money back that I didn't authorize. Also I would like the merchant to prove I was the one who authorized these transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS RECENTLY NOTIFIED BY A 3RD PARTY ADVISING THAT THERE WAS A CREDIT BREECH RECENTLY WITH TRANSUNION .I DECIDED TO LOOK INTO MY CREDIT REPORT AND I FOUND SOME UNAUTHORIZED INQUIRIES I DID SEND LETTERS TO ALL CREDITORS BUT HAVE NOT HEARD BACK. THESE INQUIRIES WERENT AUTHORIZED BY ME ANS ARE ALL FRAUD. PLEASE REMOVE OR SHOW PROOF I AUTHORIZED. 

XXXX ======XX/XX/XXXX XXXX XXXX -- -- -- -- -- -XX/XX/XXXX XXXX XXXX=======XX/XX/XXXX XXXX =========XX/XX/XXXX XXXX   XXXX XXXX XXXX=========XX/XX/2019
Product: Debt collection

LVNV Funding, LLC is pursuing to collect an unsubstantiated debt. They have failed to confirm the origin of the debt, and have continued to report on my personal credit report. 

Listed on this personal credit report is an initial date of XXXX, which is far beyond the allowed time to pursue a debt in the state of California ( see below ).

California has a statute of limitations of four years for all debts except those made with oral contracts. For oral contracts, the statute of limitations is two years. This means that for unsecured common debts like credit card debt, lenders can not attempt to collect debts that are more than four years past due. 

Not only has LVNV Funding failed to provide proof this debt is even valid, they have continued to report inaccurate information to XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage with XXXX XXXX  from XX/XX/XXXX until XX/XX/XXXX. During that time frame I never missed a payment with that company. That is over a 8 year history of on time payments. I refinanced that mortgage with a Different lender at the end of XX/XX/XXXX which was XXXX XXXX. During the refinance process I will was told by a representative of XXXX XXXX  named XXXX that I would be granted a 30 day grace period to allow time for the loan to close and that payment would be added to the back end of my loan. Unfortunately that did not happen because of an error on XXXX XXXX  behalf and my account ended up being reported 30. Days late right before my new loan with XXXX XXXX closed. This has negatively impacted my credit history and has prevented me from obtaining the best interest rate to purchase a new single family home. I was a loyal customer to that company and I need them to do the right thing and remove this late payment from My account based on my previous payment history and the incorrect information that I was given by customer service rep name XXXX in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase card services reported the card charged off as of XX/XX/XXXX. In XXXX XXXX, I signed up for repayment plan, however the company was still reporting late payments to my credit report. I sent a letter of debt verification and never received validation, the company continues to report late payments at 120 days late even though the card has been charged off and closed since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've requested assistance with all three bureaus XXXX, XXXX, and Trans Union credit reporting agencies ( CRA ) and their subsidiaries as well as XXXX. I reached out numerous times in XXXX and 3 times this year, each time my credit score continues to decrease. I sent letters and called, which is a daunting task to say the least. My credit score went from XXXX to XXXX in XXXX  and continues to fluctuate substantially. The CRA continues to report late payments when student loans are deferred or in forbearance. The voluntary dismissed bankruptcy is in error as well. I never had a Self account, a few other accounts are also invalid. I have requested to dispute old and erroneous addresses and personal information. I don't use alias names and these items are also incorrect. 
Please advise
Product: Credit reporting or other personal consumer reports

Hello. 
Upon checking my account i saw couple of inquiries that i dont recognize. 
One of my address 's is inaccurate..
Product: Credit card or prepaid card

TD Bank violated law when they closed my credit card account while I was actively disputing billing errors on the account. They closed the account on or around XX/XX/2023 without any prior notification and in violation of TILA. 
They failed to respond to the disputes sent but continued to report the erroneous, unverified, inaccurate, false and misleading information to consumer reporting agencies. They also failed to conduct a reasonable investigation and provide documentary evidence of any investigation regarding the billing errors. 
They are negatively impacting my consumer reports by their unfair and deceptive business practices. I want the CFPB to ensure TD Bank does not violate my federally protected consumer rights. I want TD Bank to resolve this matter by crediting the closed account balance as paid in full, issuing a new credit card with a {$11000.00} limit and to delete and discharge the closed account from all consumer reporting agencies databases. 
TD Bank also breached the credit card agreement at the onset by failing to provide accurate information regarding the arbitration clause in the agreement. The XXXX is no longer allowing TD Bank to use their services and TD Bank failed to provide the agreement detailing the correct arbitration process. 
If they do not amicably resolve this matter I will file a US District court complaint.
Product: Credit reporting or other personal consumer reports

have tried many times to have the personal consumer statement that I added to my Equifax report removed. I have submitted more than a dozen requests. I have sent registered letters and I have also sent registered letters confirming my identity to Equifax per their request. This is the XXXX time I have submitted a complaint here to the CFPB website. All to no avail. The consumer statement that I added is still showing on my credit profile at Equifax. It needs to be removed. Now
Product: Credit reporting, credit repair services, or other personal consumer reports

I was very upset when checked credit report and found out a few negative accounts. They are fraud and I never opened them before. Please see accounts belong and remove them as soon as you can. 
XXXX XXXX opened XX/XX/XXXX acc # XXXX XXXX  XXXX opened XX/XX/XXXX Acc #  XXXX XXXX opened XX/XX/XXXX Acc # XXXX I attached all documents what you need included Identity Theft report. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts.