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

I want to inform you AGAIN I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Client was evicted from an apartment after rent was withheld because of livability issues. The eviction went through the court process and a judgement was entered for {$1300.00} plus court costs. On the credit report, a separate debt collector is attempting to collect {$3700.00} for the same incident. A debt collector should not be able to collect on a debt that has already gone through the court process and furthermore they should n't be able to ask for an amount that is exponentially higher than the judgement amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  company reported XXXX XXXX Mortgage past due to XXXX, Experian and XXXX  for the months of XXXX, XXXX XXXX and XX/XX/2019 when the mortgage was paid on XX/XX/2019 by wire transfer from XXXX XXXX XXXX XXXX of Arizona in accordance with the written payoff demand submitted by XXXX to XXXX XXXX XXXX. Please see attached document. XXXX has not request to the credit agencies deletion of the past due mortgage report despite several calls since 2019 and written demand letter by XXXX XXXX. Such situation has lowered my credit score from the 700, s to the 500, s and caused denial on mortgae request, refinancing on loans and credit application for XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I noticed I received a collection letter from Credit Control , LLC for an account I do not recognize. I immediately contacted this company in writing and advised I am disputing this debt and they need to provide me with a validation of the debt. This personal letter was mailed via USPS Certified Mail and arrived to the said agency on XX/XX/XXXX. Ive obtained all receipts and signatures that my letter was accepted by the agency. 

By FCRA and FDCPA consumer laws 609 ( c ) ( 2 ) E, 611 ( a ) 1 ( A ), ( 15 U.S.C.1681i ) they are to delete their tradeline and cease collection activity due to them not providing validation within the 30 day time frame they had from the initial correspondence I sent to them. They failed to respond. I pulled my credit again on XX/XX/XXXX and their tradeline is still there. They can not legally claim this is verified to the credit reporting agencies, but they have ignored my request for validation. They are required to provide me with proof of this debt by law upon receiving written request within a reasonable time frame or they no longer have a right to report this or collect on it. This company has never sent me a notification advising of this debt and has never provided me with my right to dispute/validate. This company is in violation of the FDCPA and the FCRA. They need to be investigated. Please assist me in my request to have this illegitimate negation to my Credit score removed, as they have turned a blind-eye to my requests.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle multiple 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 CFPBs findings Indicate that Zelle has not only neglected to protect consumers, but has also allowed repeated offenders to exploit the system, leavings users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting

Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by XXXX XXXX XXXX. Also, by TransUnion Credit Reporting Agency and XXXX XXXX XXXX does n't have the rights to collect debt in the State of Texas? They are not abiding by the Law accordingly to the State of Texas and they was suppose to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made XXXX aware of this they have not done an accurate investigation on XXXX XXXX XXXX. So, I called XXXX XXXX for the Secretary of State Texas Debt Collections Division and found out that XXXX XXXX XXXX is breaking : " Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. Also, you can not operate in the state of Texas with a XXXX '' I am in need of another Investigation to remove them from my credit report please.
Product: Money transfer, virtual currency, or money service

When I make payments or deposit funds into my Paypal account they are placed on hold for 5 days. Without any justification, Paypal holds my funds for longer than the 5 day period. When I ask for my funds to be returned to me, they decline or refuse to return the funds. In addition, they also refuse to transfer the funds to the intended recipient. Paypal Customer service states that it is their policy to hold funds indefinitely, for any reason, without notifying consumer. I have a Business Account with Paypal that has never been implicated for fraud. I believe that this is an intentional practice by Paypal to increase the revenue they earn from Interest payments on funds held in reserves that they receive from consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been a member of experian credit monitoring services for quite some time now. I noticed many inquiries on my credit that I did not recognize. I reached out to the companies that pulled my credit and told me that I had to go through the credit bureau. I contacted Experian 's fraud department many times letting them what happened and they have denied my requests multiple times to remove unauthorized information from my credit report. I would like assistance with this matter as the unauthorized/incorrect data on my credit report is preventing me from achieving my financial goals. 

Thank you.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns, with Zelle and their inability to help me get money back that I sent accidentally. I sent a large amount of money to an account and I realized later on it was the wrong person, and I requested my bank to help me get my money back and they told me that there is nothing I could do about it
Product: Credit card

XX/XX/year> I filed a dispute in regards to a XXXX machine ( XXXX ) I purchased that did not work as advertised. XXXX refused to provide me with a refund. They offered to troubleshoot or send me a new one. Neither was a viable option as the product does not work as claimed. My issue is not an isolated one as XXXX  has received numerous complaints XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, a XXXX  representative told me that if I disputed the charge with my credit card company, the device would be disabled and unusable by me or if I tried to sell it. 

XX/XX/year> I received XXXX letters from Synchrony ( exhibit A and B ) that my case has been settled in my favor. Upon being notified by Synchrony that the dispute was ruled in my favor, I properly disposed of the XXXX machine and it was no longer in my possession. 

XX/XX/year> I discovered a charge on my account from XXXX. Upon calling Synchrony, I was told that the decision had been reversed and I am now liable for the charge. 

However, as stated prior, after receiving XXXX letters ( exhibit A and B ) that the case was settled in my favor, I disposed of the machine. If I never received those letters from Synchrony stating they ruled in my favor, I would not have disposed of the machine, and it would still be in my possession. 

XXXX XXXX  I called Synchrony to request full and proper reimbursement for the cost of the machine that I no longer have. Synchrony is liable for full reimbursement due to their documented communication. 

Unfortunately, the representative I spoke with was unable to transfer me to someone that could help. Instead they opened up another dispute. That resulted with me being responsible for the charge.
Product: Debt collection

On XX/XX/XXXX, I filed a complaint against JP Recovery Services with the CFPB ( Complaint # XXXX ). JP Recovery Services quickly responded claiming they verified the accounts with XXXX and that XXXX processed claims with XXXX and that XXXX paid the claims and the balance due is what is owed. XXXX is my primary and I also have a secondary insurance ; my health insurance covers 100 % of all medical expenses. I have had no medical bill not paid 100 % since becoming eligible for XXXX in XXXX. As outlined in the complaint ( XXXX ), I spoke to XXXX Billing on XX/XX/XXXX and XXXX made it clear that I do not have any balance with them. I DISPUTE THE VALIDITY OF THIS DEBT. JP Recovery Services response is in violation of the FDCPA as they clearly failed, by their immediate response, to verify with XXXX that the accounts are valid having been informed that I spoke to XXXX  on XX/XX/XXXX and XXXX, again, was clear, I do not have owe any balance to them. In light of JP Recovery Services response violating my rights under the FDCPA, I am submitting this second complaint against them and I am also filing a complaint against JP Recovery Services with the Maryland Attorney General 's Office of Consumer Protection Office - Health Education and Advocacy Unit. 

JP Recovery Services is in violation of the FDCPA. Their claims that I owe XXXX XXXX XXXX a balance is factually incorrect as verified by XXXX. 

cc : Maryland Attorney General Office of Consumer Protection , Health Education and Advocacy Unit.
Product: Debt collection

I was sent a bill from collection agency never heard of on bill never seen nor ever contacted about medical bill from collection agency XXXX XXXX XXXX several other names Texas number I think but over XXXX yr old bill said I owed for over XXXX insurance didnt cover 2 dates in XX/XX/XXXX didnt recognize. I had copy dont know where its at right now but know it was not correct I had XXXX XXXXXXXX XXXX XXXX but never sent any bill was lied to last year told XXXX did work retired XXXX hes still practicting. I enquired because XXXX illegally denied me telehealth with primary XXXX yrs Florida had before coming up home Indiana said I would pay out of pocket denied then just stopped my dual health ins said didnt have proper medicaid designt for the XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

It happened XX/XX/year> my phone was stolen and the person sent money from my account to theirs. They where arrested and I got my phone back but not my money and I contacted cash app and they said there was nothing they could do
Product: Credit reporting, credit repair services, or other personal consumer reports

This is most certainly a repeat of the last many complaints. This concerning complaint number XXXX. Yes TransUnion has responded. No, TransUnion has never addressed my complaint. TransUnion has stated many times I need to take my complaint to XXXX. I have stated many times that is who I went to first. I have also gone back to XXXX XXXX  several times. XXXX XXXX   has sent me documents backing up their position they never submitted a form stating I was late. 

TransUnion has been asked many times to produce the document they claim to have from XXXX XXXX  stating I was late. TransUnion has yet to produce it. 

They have suggested I call TransUnion. I have, probably over 1-1/2 dozen times. They have always told me they cant find the document I requested. When I ask why TransUnion published I was late, they say  they got a document from XXXX XXXX. When I ask for a copy, they say they never got. So then I ask why they published I was late, they say they got a document from XXXX XXXX. I ask for a copy and they say they never got it. You get the picture. 

Again I will state the obvious, just because they responded, doesnt mean they actually addressed the problem. They never addressed my question.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

Check n go has conflicting dates as to when this account was opened one date is XX/XX/2018, according to my transunion credit report. And it reports XX/XX/2018, according to XXXX. This debt collector has re-aging inaccuracies the date of the first delinquency on a cunsumers account to a later date and duplicate reporting, particularly following transfers ect
Product: Debt collection

After reviewing my credit profile on XXXX XXXX XXXX I identified a discrepancy with account listed under XXXX XXXX XXXX. I requested a validation on XXXX XXXX XXXX as the debt amount owed is not correct. On XXXX XXXX XXXX I received a response that the creditor needed more time to investigate the account. No further correspondence nor validation has been received from XXXX XXXX XXXX and they have exceeded the timeframes to provide validation. Based on their failure to validate this account adequately I disputed the account with all 3 credit bureaus on XXXX XXXX XXXX however the account is still reflected on my credit profile and continues to negatively affect me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered multiple fraudulent accounts and hard inquires on my credit report. I filed an Identity Theft Report with FTC.ogv and sent it to credit bureaus. I submitted and sent my reports numerous times to Equifax and they failed to fix my report. All fraudulent accounts are still showing on my report, and they keep giving me a response that Hard Inquiries will stay for 2 years and ignoring the fact that I am a victim of a theft. It is so frustrating that they don't protect victims and are not effective in removing inaccurate and fraudulent accounts and inquiries from a consumer reports.
Product: Debt collection

a collection agency named premiere credit tapped in freeze my bank account they never send me any letters in mail they were sneaky freeze my bank account until they are paid i try talk to those idiots and collection agency they are very rude they caused me emotional stress
Product: Checking or savings account

I have a Ppp loan from government. My bank is put a hold on the funds, requested documentation, I have sent the documents 15 days. They still didn't release the hold from funds. And they don't give me time frame how long will the process take. I got this loan from government, now I can't use it. This is so unfair
Product: Debt collection

The following account is an result of fraud. JPMCB XXXX {>= $1,000,000} {$7800.00} I have no knowledge of this account. I have tried to fix this with the company in question JPMCB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. On XX/XX/2011 someone opened, charged and maintained a Discover credit card in my name, account XXXX. I have provided Discover proof of my XXXX  by the Internal Revenue Service and Discover repeatedly persists in incorrectly informing me that it has VERIFIED AS ACCURATE the account by sending me photocopies of monthly charge statements that occurred while I was XXXX. Discover has willfully violated my right to dispute inaccurate information information, under the Fair Credit Reporting Act, 15 U.S. Code 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Amex, I am hereby requesting you provide all three credit bureaus a letter and send a copy of said letter to my address below informing them to remove the hard inquiry from my credit report for the XXXX XXXX XXXX XXXX  that has been closed but that was opened in my name that ended in XXXX and that I reported given this account was opened in my name without my permission. 

And was the result of identity theft. 

I furthermore request you provide in the letter to all XXXX credit bureaus both the consumer and business credit reporting agencies notifying them that the account was closed given it was a result of identity theft which I have already reported directly to Amex and that I am no longer liable or obligated to pay the debt and it shall be removed from all credit reporting. 

I would greatly appreciate this. 

Thank you so much. 

Please send a copy of said letter to my address below along with my email address being XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX, AL XXXX Warm Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX XXXX XXXX  Is reporting a credit card late every month for several years. The card account has been closed several years ago and account and balance were cleared. The company if report incorrect information. which is against the law
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have submitted numerous disputes to the credit bureaus stating that these account aren't mine. I have had my personal information used without my consent or knowledge.
Product: Credit reporting or other personal consumer reports

Thank you for promptly correcting some of the negative information on my credit file. However, there are still accounts that need to be repaired. I request the immediate correction of all inaccurate information associated with the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I submitted a dispute claim with Experian, due to an {$1100.00} electric bill was run up by someone using my SSN, being found to be a fraud account, and removed by XXXX XXXX and XXXX from my credit report. On XX/XX/19, Experian emailed me that the invesigation was finished, and results were available. Experian states that they have more information about the account, and will not remove it from my report with them, even though the collection agency signed off on it. I find this to be reprehensible that a company gets evidence in my favor, yet will not take the same action as the other agencies. I have had nothing but problems with Experian over the last 5 years, plus they want to charge me money to see my credit score, which to me, is throwing salt in an open wound. I am a veteran trying to clear my credit up to use my VA Loan Guaranty to buy a house, and I get abused by this greedy company. I'm tired of these credit companies having too much power, and XXXX on us veterans by artificially keeping our credit scores low.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday I filed a complaint after i asked the 3 bureaus to do a proper investigation verifying that all items are 100 % accurate on all 3 reports. however that didn't occur. How in XXXX XXXX XXXX can all 3 bureaus do a proper investigation that quickly. My report is IN huge violation in which i am prepared to seek outside council and receive up to {$1000.00} per item, Last night i finished my 3rd and final dispute before i get a Lawyer XXXX # XXXX. As i tried to upload the file that clearly show the wrong doing in the account. Suddenly i was unable to upload it mysteriously. So i will ask that you combine these 2 complaints into one! Now i will attempt to upload these inaccurate documents. The violation is 15USC 1681 section 602 A Simply states I have the right to privacy. ( IN Violation ). 15USC 1681 sec. 604A The reporting agency can not furnish reports with out my consent. ( Violation # 2 ) 15USC 1681c ( a ) ( 5 ) No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions to any consumers reporting agency if the persons knows or has reasonable cause to believe that the information is inaccurate. add this to file complaint number : XXXX from this morning for XXXX XXXX