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

I hope this message finds you well. I'm writing to discuss an issue with the reporting of my XXXX XXXX account on my credit report. 

The report for this account is not consistent. It displays no data for multiple months and, sporadically, it shows a 'charge-off ' status. This inconsistent reporting pattern suggests the information being provided about this account is not 100 % accurate. 

According to the guidelines under the Fair Credit Reporting Act, all data on a credit report must be completely accurate. In this case, due to the inconsistent and potentially incorrect information reported, it is clear that this standard has not been met. 

This inconsistent and potentially inaccurate reporting is negatively affecting my credit score. Therefore, I kindly request your assistance in addressing this issue by removing this account from my credit report until accurate and consistent information can be provided. 

Thank you for your prompt attention to this important matter. 

Best regards, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX ( the XXXX ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. 
Money was transferred from my account via debit card and through an intermediary named " Wire Transfer '' in the total amount of XXXX USD utilizing your services.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly lates on the XXXX XXXX partial account number XXXX. ( Please see pages 6 - 8 of the attached credit report. ) I applied for a loan modification and got behind on payments. I was then in a position to make multiple payments only to have the payments sent back to me. I was not aware that they would not accept partial payments. In the middle of trying to get the payment situation straightened out, my loan was sold without any notification to me. I was told that I would be able to make partial payments and get all payment caught up, however this was not true. Consequently, since the payments I made were not applied, I was zapped with late payments. This incorrect reporting is harming my credit score. Please delete these late payments from my credit report.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, am writing on my own as a natural person and consumer who is a victim of identity theft, I am requesting the immediate removal of the following items from my consumer credit report in accordance with 15 U.S. Code 1681c-2. This statute requires that any information identified by the consumer as resulting from identity theft must be blocked from the consumer 's credit report within 4 business days of receipt of my request. It has been over 30 days since my initial request, and you are in violation of this law. 
This dispute is not being made in error, nor is it based on any misrepresentation of fact on my part. The information I am disputing is fraudulent, and the entities that reported these items DO NOT have lawful authority to do so. According to the law, these companies are required to have tax documents or other forms of written consent to charge off or report these items under my name. I did not provide such consent, and as such, these items are in violation of my privacy rights. 
Under 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the consumer. I NEVER provided any written consent for any consumer reporting agency to report the information listed below on my behalf, and their failure to adhere to this law constitutes a clear violation of my rights as a federally protected consumer.

Please delete the following items from my credit report immediately Addresses, Collections, Inquires, Names, Accounts XXXX XXXX XXXX These accounts should not appear on my consumer report, as they are the result of identity theft. Please ensure these fraudulent accounts are removed as required under the law. The companies reporting these items have failed to provide proof of my consent or authorization, which makes their actions unlawful. 
I respectfully demand that you take the necessary steps to delete these accounts from my credit report and send me written confirmation that these items have been removed. This request is made under the rights provided to me by the Fair Credit Reporting Act and related laws. 
Thank you for your immediate attention to this matter. I look forward to your timely response
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX reporting XXXX XXXX XXXX credit Inquiry
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Debt collection

In XX/XX/XXXX, I pulled my credit and saw Smith Rouchon & Associates ( XXXX, MS ) had placed a medical collection on my credit, as of XX/XX/XXXX. From XX/XX/XXXX - XX/XX/XXXX I was never contacted to collect this debt or aware it was bought by them, as I'd JUST made a payment to the OC the day before. I've disputed the collection due to the incorrect amount they are trying to collect more than 6 times to no avail of having it removed from my XXXX  credit file. It has been removed from XXXX  and XXXX. As of today, I still have yet to hear from the CA regarding collection and I won't contact them directly as that would reset the collection date for said debt.
Product: Credit reporting or other personal consumer reports

I have inquires on my account that I was unaware of and some are incorrect in numbers. XXXX  mislead me with hidden fees whenever I tried to cancel my services when it became to expensive for me to afford they assured me my account was in good standing when in reality I was just putting myself in a hole. XXXX  mislead me with a flyer they sent to my mailbox advertising free internet services for Medicaid recipients then hit me with a bill that I was unaware that i would be getting. State Employees situation I wasn't in the best financial space & could no longer afford the payments but I am working on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquired on XX/XX/2019, AMERICAN EXPRESS Inquired on XX/XX/2019. This is my second request. For the first time no response came in 15 days. ompanies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Product: Credit card or prepaid card

XXXX fraudulently over-billed me by XXXX EUR. They admitted this. They promised a refund. They did not provide the refund. I notified Amex and provided them proof TWICE, but they refused to process the dispute.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : 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 personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXXXXXX XXXX, XXXX on XX/XX/XXXX with a balance of {$2300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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: Debt collection

I went on XXXX XXXX seen that my credit dropped low for a unpaid payment to XXXX for XXXX $ but I never had a XXXX phone it was either through XXXX XXXX or XXXX XXXX XXXX as of recently because Im on my girlfriend plan I sold my old phone back to XXXX XXXX that they sold me an thats been that to be honest but other then that Based on, WORD FOR WORD IS U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, IS U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

My wife received a diagnostic imaging test at XXXX XXXX XXXX XXXX in XX/XX/XXXX, XXXX billed our insurance accordingly, and was paid in XX/XX/XXXX. The hospital appears to have contracted the radiology with XXXX XXXX XXXX, XXXX, who sent us a separate bill in XX/XX/XXXX, which is not consistent with the contracted insurance coverage that was accepted by XXXX  XXXX XXXX XXXX never billed our insurance and no explanation of benefits was ever created, so we assumed that the bill sent to us was in error. We never received another bill or any other contact from XXXX XXXX, so we assumed that they had resolved the issue with SVMC. In XX/XX/XXXX, my wife received a notice from CMRE Financial Services ( a debt collection company according to XXXX ) that was sent to her employer/HR Dept. When we contacted XXXX XXXX 's billing company XXXX XXXX, they admitted to billing the account incorrectly and claimed that it was never sent to collections when asked specifically three times ( ie : they lied ).
Product: Debt collection

I have tried to dispute the following account after my U.S. Bankruptcy discharge in XXXX of 2023. I submitted a dispute to have it discharged but they have refused to change the status. This was their INACCURATE response : Item in dispute : Original creditor : APPLE CARD - GS BANK USA Original creditor : APPLE CARD - GS BANK USA Result : Not Changed Disputed information was verified as accurate from APPLE CARD XXXX GS BANK USA but that is INACCURATE. 
XXXX investigated your dispute but the information was verified as accurate. Other information was also updated. 

I'm not satisfied with this result Dispute reason : Accuracy This account is included in bankruptcy. This account is closed. 


Contact info APPLE CARD - GS BANK USA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX See current account details
Product: Debt collection

On XX/XX/19, RPM responded to a complaint of a collection on my report. RPM claims to have sent a validation notice on XX/XX/XXXX, however, it was not received. As the general counsel, XXXX XXXX, knows, the right to dispute this debt under 809 ( a ) ( 3 ) of the Fair Debt Collection Practices Act, the right to dispute does not begin until after I am in receipt of this notice, which I still am not. 

Like general counsel states that the company has contacted XXXX XXXX XXXX about this alleged debt, however, almost one month after his response on XX/XX/19, I have received neither an initial notice in the mail not verification of the debt to prove I owe it, which RPM offered to provide upon receipt from XXXX XXXX XXXX. RPM clarifies that my name is not mentioned in the report, has a different address, and does not provide either, however will not remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delay of posting of charges and credits I was unfairly charged overdraft fees. This issue appears consistent with recent findings by the CFBP which identified similar practices by Navy Federal Union, where transactions settled with insufficient balances despite initially havind adequate funds. I believe these practices are deceptive and unfair.
Product: Debt collection

XX/XX/XXXX - I had my bi-annual medical check up at XXXX XXXX XXXX XXXX XXXX XXXX. During the check up, the nurse checked my entire body. This included feeling my tummy and my hands, both which I reported to be hurting. No XXXX and no cutting of my body occurred during this appointment. I received a bill stating that I had paring/cutting of a benign hyperkeratotic lesion. This did not happen. I called XXXX XXXX XXXX XXXX to explain and they said I was wrong and I did have XXXX during my appointment. They said I dont have to pay it and they will send to collection. 
XX/XX/XXXX- received the collection notice from XXXX XXXX XXXX XXXX XXXX saying they are trying to collect a medical debt from XXXX. 
XX/XX/XXXX - I called XXXX and spoke with XXXX. She said to call back on the XXXX to check on the dispute. 
XX/XX/XXXX - I called XXXX and spoke with XXXX. She said it was still in dispute and to call in XXXX weeks. 
XX/XX/XXXX - I called XXXX and the lady was super rude. She would not give me her name and told me to call XXXX XXXX and XXXX. I explained they are just going around and around with me, passing the buck and no one willing to help. The whole time my credit is being smashed.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I sent a letter to World Acceptance Corporation, which was delivered on XX/XX/year>. To date, I have not received a response. In my letter, I requested a 1099-C form for tax purposes, as I settled the account and the amount in question exceeded {$600.00}.
Product: Credit reporting

XXXX. is reporting to Experian, Which they have not verified the debt that I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

When my husband and I returned from visiting grandchildren last XXXX, we received 3 surprising pieces of mail. The first was a statement from XXXXComenity Bank dated XX/XX/XXXX, indicating a balance of {$620.00} for a credit card account for which I had never applied. The second mailing was the plastic credit card for this account, which I have never signed. The third mailing was from XXXX XXXX attempting to verify if I had actually applied for a new XXXX XXXX XXXX account that included my name and Social Security number. 

We easily resolved the situation with XXXX XXXX, and even sat down with a local bank manager who explained how my personal information may have been compromised and suggested how we can protect ourselves from possible identity theft in the future. 

By contrast, our dispute with Comenity Bank continues as we attempt to restore my " very good '' credit rating and remove delinquent charges from a credit card account for which I never applied. 

On XX/XX/XXXX, I called XXXX/Comenity to contest this application and was told the issue would be resolved in 90 days -- not so! Next, I immediately contacted XXXX, XXXX, and XXXX to establish security credit freezes. 

Fast forward to XX/XX/XXXX AND XXXX, XXXX, when I received 2 separate letters from Comenity Bank, with which we've never had any dealings, to have my credit freeze lifted so they could process my application for an " XXXX XXXX XXXX '' account, again, something for which I had not applied. Calling our local XXXX XXXX XXXX XXXX, I was advised to check our credit report to see who had been inquiring about our credit rating, and to update XXXX that another fraud attempt had been made. 

Then, on XX/XX/XXXX, XXXX advised us that my credit rating had dropped significantly and suggested we file a dispute with Comenity Bank, which we did on XX/XX/XXXX. 

Once again on XX/XX/XXXX, I got another fraud alert that Comenity Bank had " flagged '' my (? ) account " Charged off as bad debt '' -- supposedly explaining my lowered credit rating, according to the XXXX representative we spoke with on XX/XX/XXXX. Now I was advised to file a " police report '' of Identity Theft with the FTC. 

Obviously, not all financial institutions are as diligent as XXXX XXXX in verifying who is actually applying for credit cards/accounts. Comenity Bank has been nothing short of irresponsible in dealing with us, not even bothering to continue sending past-due statements since XXXX, XXXX, to alert us that the " bogus '' account was still active. As a result, my credit rating has suffered a drop of about 200 points, from a rating of " very good '' to " fair. ''
Product: Debt collection

I am writing to file a formal complaint against Opploans for its failure to comply with my requests for the original contract of my debt, in direct violation of applicable U.S. laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), specifically section 1666. This complaint is also in regard to Opploans ' continuous reporting of inaccurate and inconsistent information to the credit bureaus, which is adversely affecting my credit score and financial standing.

**Details of the Complaint : ** 1. **Failure to Provide Original Debt Contract : ** Despite multiple requests, Opploans has categorically refused to send me the original contract or any evidence of debt that I purportedly owe. This refusal not only undermines my rights as a consumer but also spotlights a significant transparency and accountability issue within Opploans ' debt collection practices.

2. **Violation of US Law 1666 FCRA : ** Opploans has blatantly disregarded the mandates set forth by the Fair Credit Reporting Act, section 1666, which safeguards consumers against unfair billing practices and mandates proper credit reporting. Their failure to adhere to these legal requirements is unacceptable and unjust.

3. **Inaccurate Reporting to Credit Bureaus : ** The creditor has continually reported incorrect and inconsistent information related to my account to the credit reporting agencies. This has caused undue harm to my credit reputation and has potentially extensive repercussions on my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a customer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have gone back and forth with Transunion about an account reporting on my Credit Report from XXXX XXXX Acct # XXXX in the amount of {$780.00}. I have given documentation and spoke to them and informed them that im not only a Identity Theft victim but a victim of XXXX XXXX forced to do things that i did not want to and beaten when i did not comply. Transunion has taken no consideration into my circumstances, nor do they care in anyway about their customers. They are still reporting a debt that is not mine, and ignoring all laws put in place by the government and FRCA that were put in place to protect survivors of XXXX  XXXX and abuse. They also ignored police and FTC reports claiming that i am a lier. They also have not provided me with any documentation on how they verified the debt was accurate and belongs to me after i submitted multiple method of verification letters certified so i know they recieved them. They have refused to do anything about the fraudulent debt. I am now a single mother who is trying to move forward with my XXXX children in light of what happened to me in the past. Yet XXXX  XXXX in not only a horrible company. They do not care these issues impacting women and victim 's of XXXX  XXXX.
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 numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds impossible and that tracking these transactions was infeasible.The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. XXXX XXXX  : This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.