23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX customer service lacks integrity. The company really only understand money. On XX/XX/2018 a phone service was issued in my name by XXXX. Upon noticing the bill over a month later. I called them trying to find out what I supposedly had ordered and tried to shut it down. What I encountered was a ridiculous policy that does not allow customers to access their account if they don't know pertinent information. I did not know the information that XXXX needed besides my social and account number listed on statement. They needed passwords and the numbers off of products they supposedly sent me. I did not have possession of those items therefor I could speak on behalf of that account. I tried again by speaking to someone else and I was told that if I take my identification into the store I could be assisted with the account issue. I visited XXXX XXXX XXXX store in XXXX NJ. I encountered the same issue. I was told that the items sent to me had to be set up and therefore link to my identification, it was some sort of foolishness that didn't make much sense to me. The teal issue was that I did not have time to deal with this because I was working to full time jobs. I had no time to really spare to resolve the issue. Once I had time again I was told by a XXXX representative that I would be sent an identity theft form to take to a law enforcement office nearest me. I absolutely did not have time for this. It was their own policy that did not allow me the due diligence to properly understand why I had a bill summery coming in my name to my address. I wanted to know what identity was used to open an account with them and also where was my signature on a signed document. To this date I have not seen validity or verification from XXXX nor I C Systems Inc. The final bill summery from XXXX had a total charge of {$210.00}. Naturally, after I refused to pay, XXXX   eventually turned the bill into a collector. That collector, I C System Inc. put the negative, erroneous information on both XXXX XXXX and XXXX  credit reports. Yes, I did not answer I C Systems attempts to collect the debt. One reason is their unfair debt collecting practice. I immediately noticed that they were asking me to pay a higher amount then XXXX posed that I owed them. Their collection amount is {$260.00} that you can see in the attachment. In the state of NJ it is illegal to collect any amount greater than the debt. Enclosed you will also see the last billing amount from XXXX but the copy is in bad shape ( please excuse. )
Product: Credit reporting, credit repair services, or other personal consumer reports

The below credit bureaus have been reporting incorrect information about my credit worthiness to lenders. 

XXXX Experience XXXX On the following accounts XXXX XXXX XXXX XXXX XXXX These companies have been reporting negative payment history, which I have disputed several times due to information being inaccurate. And the credit bureaus have fail to investigate and remove them From my credit reports.
Product: Mortgage

On XXXX XXXX, I sold the business and real estate. The title company paid off the mortgage and loan, not sure of the date. On XXXX XXXX. Wells Fargo drafted a payment. They required the payment to be auto-draft, I had no choice. Since I didn't believe any more payments would be drafted I wrote checks on that account, they bounced and I incurred overdraft and bounced check fees. I called and emailed them to refund my money and they told me it could take up to 10 days. It has been 14 days and they still haven't refunded my money. I consider this theft. They should be required to refund all the fees I had to pay for bounced check fees as well as immediate refund of the money stolen. It should not be my responsibility to request them not draft as it was a requirement for the loan, it should be their responsibility. 

In addition they put forced placed insurance on my property without providing me a cost or any information about the insurance. When I paid off the mortgage almost two years later they charged me for the insurance, which they never got as far as I know. They never provided evidence or the costs until I paid off the loan. I agree they had a right to do it, but they should have given me the option to pay for it at the time and not change me without my knowledge almost two years later. I requested them give me a breakdown of the charges, but they still haven't done so. They sent me a list of supposed contacts about them requesting proof of insurance.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes. Especially surrounding the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle a numerous of occasions and reporting discrepancies, my financial institution as well as Zelle failed to investigate my claims adequately. They informed me that recovering lost funds and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect customers 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 regarding consumer safety.
Product: Credit card or prepaid card

I received a Netspend Prepaid Debit Card for XXXX, XX/XX/XXXX. On XX/XX/XXXX I attempted to activate my card. After submitting my information via Netspend 's activation portal, I received an error message. I have attempted to activate my card via Netspend 's web portal, but I am instructed to call XXXX. The toll-free number only allows interaction between me and the phone system, it does not allow me to speak to a human, and there is no option for me to activate my card. I contacted Netspend via XXXX and while they responded to my message, they have failed to provide me instructions to speak to a human. Additionally, this company requires you to input your social security number in order to activate a *Pre-paid card! * - a Pre-paid card that already has funds in it. I have a suspicion this card is fraudulent as it has been fined by the FTC before. 
As of this report, I am unable to use my funds that have been pre-loaded into the card. 

I would stay away from Netspend and all of their services, and feel horrible for the person that pre-loaded funds into the Netspend card I got as a gift for XXXX. 

I would advise everyone that sees this message to stay away from Netspend and their services, and I hope the FTC shuts down this company for good.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

XXXX5 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Alabama XXXX XXXX : XXXX Upon checking my credit file with your company I noticed that your company has been reporting incorrect information. The Fair Credit Reporting Act states that only fair and accurate information should be reported to a consumer 's credit file. I ask that your company correct this information as soon as possible. The following addresses, hard inquiries, and accounts should not be reported to my credit file, please remove this information from my credit file.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 i applied for a Personal Loan at Discover Bank and was denied.
Product: Credit reporting or other personal consumer reports

his address does not belong to me and has been reported in error. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I am requesting an investigation into this matter and the immediate removal of this inaccurate information from my credit report. To assist in your investigation, I am including the following documents as proof of my current address : A copy of my government-issued ID ( e.g., drivers license ) A recent utility bill or bank statement showing my current address This incorrect address XXXX XXXX XXXX XXXX TN XXXX and XXXX XXXX XXXX XXXX, TN XXXX is causing unnecessary confusion and does not accurately reflect my credit profile. I ask that you complete this investigation within the 30-day period required by law and provide me with an updated copy of my credit report showing the correction. Please notify me in writing once the correction has been made or if additional information is needed.
Product: Checking or savings account

Dispute against cashapp. 
Do not have exact dates on hand, on or around the XXXX of XXXX, 2024. 
Money spent from my account unauthorized. 
Disputed it, but was was told my claim was unfounded. 
Asked what info was used in their determination and was told I was not going to get anymore info. 
Was not able to talk to a human. Only a computer or thru text. 
Approximately {$300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023, XXXX Experian Alerts XXXX subject : H***, your FICO Score has been updated ( Fico score ( R ), your score decreased. - linked image ) Email image in the body " See all alerts '' linked to my account login, and when I logged in, it ( directly ) lands on an Experian page soliciting product /service as quoted : " Upgrade Your Account '' " Try Experian CreditWorks Premium for 7 days for free, then pay just {$24.00} each month. You may cancel anytime if not satisfied. '' And my credit score was decreased one point and no explanation or information whatsoever in the " so called '' alert.

I am done with the scam. I want them to act accordingly their fiduciary duties to fair credit reporting and cease and desist of being the scammers themselves with such covert tactics of snake oil sellers/cross-sellers while holding the power to destroy my ability and power of purchasing/ordering services and products through their credit score reporting. 

Why they decreased my score XXXX point???? They are not supposed to be soliciting a product or service of their own in return of reporting to me my credit score change!!! IT IS MY RIGHT TO KNOW! That is a conflict of interest right there! And a scammy one, misleading at least!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to correct this issue over the past few years. I last spoke with Experian and XXXX on XX/XX/2023 regarding a charge off account with XXXX XXXX in the amount of {$1200.00}. I I have also reached out to XXXX XXXX and they inform me to contact Experian and XXXX regarding this issue. There has not been any resolve and this account is not accurately being verified as well as being reported incorrectly. Also, my personal information was not correct when I called to discuss this account. The credit bureaus corrected my person information, but did not remove this account.
Product: Debt collection

on XX/XX/2002 XXXX XXXX XXXX my XXXX XXXX XXXX in the amount of {$140.00} without authorization for services provided to an adult child by a medical provider. 

They called repeatedly and asserted I owed medical bills for an adult child asserting that they were a minor when they were not. I asked for them to provide proof of age when the services were rendered and in the collection calls they could not. They refused. 

I did not convey my XXXX XXXX XXXX number to them or authorize payment on XX/XX/2002 in the amount of XXXX. Yet it was charged to my XXXX XXXX. ( which requires documentation of the services, which XXXX XXXX asserted I owed were provided to a minor child. ) In effect it has rendered my XXXX XXXX inactive, per federal rules regarding the use of the card. A dispute has been filed with the Benefit Administrator. Again, I can not provide an itemized statement for a service I did not receive or approve for payment. Collection companies should not be able to use financial card information provided to a medical provider with your consent to pay for a debt you did not incur. The addition of carrying your adult child on your insurance should not result in this behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SUBMITTED A DISPUTE 3 TIMES ALREADY WITH ALL THREE CREDIT BUREAUS AND ONLY ONE BUREAU REMOVED THIS BANKRUPTCY FROM MY CREDIT FILE. I ASKED FOR PROOF OF HOW THEY VERIFIED THIS INFORMATION AND STILL NOTHING. THESE CREDIT BUREAUS ARE NOT PROPERLY DOING THEIR JOB. I HAVE SENT ALL SUPPORTING DOCS TO THESE BUREAUS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Franklin Collection Services Inc., added an account to all 3 credit bureau agency 's reflecting that I owe {$310.00} to XXXX XXXX XXXX XXXX. I transferred my service to XXXX XXXX   in 2017 with is a subsidiary company, XXXX XXXX XXXX XXXX I called a XXXX XXXX XXXX discussed my bill with them and told them I was unaware I had bill because I'd never received a bill in the mail. XXXX XXXX XXXX corrected my bill and I paid XXXX XXXX XXXX {$280.00} to themXXXX XXXX XXXX XXXX   also informed me that in 15 days, they would report my account as paid and Franklin Collection would remove their account from my report since they collected the debt. I called Franklin Collection Services to let them know, they need to delete/remove the debt from my report, because I don't owe them anything. I spoke to XXXX with Franklin Collection Services, and she advised me they will only update it as paid. I told her no, this needs to be removed because I did not owe Franklin Collection Services, I owed XXXX XXXX XXXX  and I paid them and that they are reporting false information on my credit report. This has hurt my credit score, and I'm in the midst of purchasing a home.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), 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. 

This fraudulent, inaccurate, and false information consists of a closed account opened at XXXX BANK XXXX  on XX/XX/XXXX Account number ( private ) Another closed account opened at XXXX XXXX on XX/XX/XXXX Account number ( private ) Another closed account opened at XXXX XXXX on XX/XX/XXXX Account number ( private ) Another closed account opened at XXXX XXXX on XX/XX/XXXX Account number ( private ) A Collection opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( private ) The inquires that need to be removed are ; XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX finance/ce XX/XX/XXXX. XXXX finance/ce XX/XX/XXXX. XXXX  card XX/XX/XXXX. XXXX  card XX/XX/XXXX. XXXX  card XX/XX/XXXX. XXXX  XX/XX/XXXX. XXXX  XX/XX/XXXX. XXXX  XX/XX/XXXX. XXXX XX/XX/XXXX. the late payments that need to be updated to current are listed as ; all the XXXX XXXX XXXX XXXX  accounts. XXXX XXXX XXXX XXXX XXXX XXXX. both XXXX XXXX XXXX XXXX accounts. XXXX XXXX account. XXXX XXXX XXXX account. Closed accounts need to be updated to always paid on time are listed as ; XXXX  account and XXXX card. All other addresses need to be removed from my credit report. the only address that needs to be listed is XXXX XXXX XXXX XXXX XXXX, ga XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I had two accounts that were sold off to a collection agency without my consent on XX/XX/2023. One for {$20000.00}, and the other was {$10000.00}. The agency is Jeffersons Capital Systems LLC, which is listed as the Original creditor. They are not the original creditor.
Product: Credit reporting or other personal consumer reports

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ).

Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Public Records that are being challenged Federal - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX 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

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

We received XXXX XXXX XXXX  debit cards for XXXX XXXX and both of them have no money on them. These XXXX XXXX  debit cards reference the XXXX Each instance is outlined below for each card we received that we suspect fraud/theft on. 

Card number XXXX XXXX XXXX XXXX I opened the packaging for this card on XX/XX/XXXX and went to XXXX to see the balance of the card as this was the first time I was going to use it. The card balance was a {$1.00} which seemed odd for a balance of a card never used. I then went to the balance inquiry for the month of XX/XX/XXXX and it showed the card being loaded in XXXX NC XXXX on XX/XX/XXXX for {$150.00}. My wife 's sister lives in XXXX NC so this transaction makes sense. We live in XXXX Oregon at XXXX XXXX XXXX XXXX XXXX, OR XXXX. Then the transaction history shows a purchase of {$140.00} in XXXX XXXX CA XXXX which is a place I have never heard of or have been too. The transaction happened for a purchase at XXXX. This is clearly a scam in terms of hackers and we never received the benefit of the {$150.00} gift card. 

Card number XXXX XXXX XXXX XXXX I opened this card a month ago in XX/XX/XXXX and tried to use it in the store. This card was a {$100.00} XXXX XXXX  debit card. I have tried the card several times and tried to see the card balance on prepaidgiftbalance.com as instructed by the sticker on the card. I enter the card number to log in to their website and the website won't recognize the card. The card does not work and may have never worked as i suspect the card number was stolen during the holiday season of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as consumer.
Product: Credit reporting or other personal consumer reports

I called credit reporting agencies and let them know the inquiries attached below in the document are not to be visible on my consumer report. I never gave them written consent to report them. 18 U.S. Codes 1028A Aggravated identity theft