23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

During XXXX I went through financial hardship, resulting in late payments to my XXXX credit card. They gave the account to Zwickers & Associates to manage it, and a payment plan was put in place for me to pay the debt. I paid my dues having my last payment automatically withdrawn on XX/XX/year>. I have confirmed with Zwichers over the phone, at least 2 times, that in fact the account was " paid as agreed '' and that it is now " Closed ''. My first complain is with them for failing to send me the proper documentation in writing, even though I asked for it, at least twice. 
On XXXX of this year I received a " XXXX XXXX XXXX XXXX XXXX '' from XXXX XXXX XXXX, representing XXXX, claiming that I still owe {$3900.00} I talked to a XXXX XXXX representative and sent proof of my payment arrangement and last XXXX payments to XXXX. They have been investigating since then. It is basically XXXX now ( 6 months since I contacted them ), and every time I call, they have no status on my case. 
To make things even worse, in the past 3 months, XXXX has been reporting a " past due '' amount on that closed account, for the amount of {$79.00} each month. It is important to say that according to the representatives at XXXX, they are not aware of these charges, and I have not received any communication from XXXX about this charge that I can only assume is a late fee (? ), but makes no sense because the account was charge off and it's close, so there should be no new charges.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed or disputed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 


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

Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX This letter is a formal request to block/correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX {$10000.00} Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Closed : XXXX XXXX, XXXX XXXX Closed : XXXX XXXX, XXXX {$380.00} Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item. 
. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 
Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. I have also enclosed a copy my POLICE REPORT Please let me know if you need any other information from me that may aid you in resolving this matter promptly.

section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 




XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted  XXXX  and Early Warning regarding inaccurate information being reported on my consumer reports by them. They asked me to provide proof of my Chapter   XXXX   Bankruptcy filing and discharge and stated that they would remove the negative marks on the consumer reports. I provided these documents several times and even had my attorney contact them and they have not cleared these reports up for me.
Product: Debt collection

Capital One had their attorney XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. XXXX in XXXX a settlement agreement was made to my knowledge of {$1200.00} dollars after paying and being harassed for more money I filed a complaint with your department. after that I never heard from this attorney again. I have recently applied for a home loan and was told this is on my record and has never been settled for {$3600.00}. I spoke with XXXX on XXXX I.D . # XXXX who said this acct was opened in XXXX thru XXXX after which I believed it was closed. She told me it was not closed and that the last payment they received was in XXXX but would not say for how much. I am asking that this matter be settled and my credit report and court report be brought up to date. I was given a settlement amount and once I field this complaint all of sudden I am being told I owe over {$3000.00} dollars. Any help given to resolve this matter would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

Truist Bank holds my mortgage and is alleging lack of payment in XXXX. 
I made my payment and have bank statements and my Truist statement to prove same. 
According to Truist, they are researching my claim but have hit my credit report as delinquent. 
Ive called numerous times, emailed asking for an update to no avail. 
I have been transferred from one person to another when I call and I then have to re-explain my entire situation. 
I find it infuriating and irresponsible of them to be allowed to not provide swift resolution when I have provided all the documentation they requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer reporting system that verifies checks are bank accounts has outdated information from 1996 and continues to report to companies but fails to let me know what they are reporting. I have recieved a notice to contact the company for questions but they REFUSE to give me information on what is being reported and WHY.
Product: Credit reporting, credit repair services, or other personal consumer reports

HARD INQUIRIE ( S ) DELETION LETTER OF IDENTITY THEFT & FRAUD Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : I have sent you another dispute month 's before. If you do not delete these fraudulent hard inquiries I will sue you for defamation of character. I'm a recent victim of identity theft and fraud. I recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed HARD INQUIRIES that I wanted a little more explanation on, and they need to be deleted/removed from my credit report. I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX XXXX XXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THESE HARD INQUIRIES LISTED BELOW ARE NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC Report Number : THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 


Hard Inquiry : XXXX XXXX delete it from my credit report, XX/XX/XXXX Hard Inquiry : XXXX XXXX delete it from my credit report, XX/XX/XXXX Hard Inquiry : XXXX XXXX  delete it from my credit report, XX/XX/XXXX Hard Inquiry : XXXX XXXX delete it from my credit report, XX/XX/XXXX Hard Inquiry : XXXX XXXX delete it from my credit report, XX/XX/XXXX Hard Inquiry : XXXX - XXXX XXXX delete it from my credit report, XX/XX/XXXX Hard Inquiry : XXXX XXXX delete it from my credit report, XX/XX/XXXX Hard Inquiry : XXXX XXXX XXXX delete it from my credit report, XX/XX/XXXX Hard Inquiry : XXXX XXXX XXXX it from my credit report, XX/XX/XXXX Hard Inquiry : XXXX XXXX XXXX it from my credit report, XX/XX/XXXX Hard Inquiry : XXXX - XXXX XXXX delete it from my credit report, XX/XX/XXXX Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Experian, please delete the following account : XXXX XXXX XXXX XXXX XXXX XXXX The listed balance of {$2900.00} is incorrect as the account has been paid. Furthermore, the account is erroneously listed as open, which is clearly incorrect.
Product: Debt collection

On XX/XX/XXXX I disputed 2 collection with the 3 credit bureaus and also sent a debt verification letter to Cavalry. They responded by sending me one statement showing 1 statement for XXXX XXXX, reference # XXXX, but did n't send the original terms I entered into an agreement in XX/XX/XXXX. I specifically asked for the same terms for the other account they are trying to collect on which is XXXX XXXX XXXX  reference # XXXX which I never got a response from after my first debt validation letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXX/XX/2020
Product: Money transfer, virtual currency, or money service

Subject : Formal Complaint Regarding Remitly 's Unacceptable Delay in Processing Refunds I am writing to file a formal complaint against Remitly, a money transfer service, regarding their handling of a recent transaction cancellation and the unacceptable delay in processing the refund. 

On XX/XX/year> I canceled a transaction through Remitly, expecting the funds to be returned to my account promptly. Despite the immediate cancellation, Remitly debited my account, and I have been informed that the refund process will take up to 10 business days. This prolonged delay is unreasonable and unjustifiable, especially given that the cancellation was made without delay. 

The details of the transaction are as follows : - **Transaction ID : ** XXXX XXXX XXXX XXXX - **Date of Cancellation : XXXX Remitly 's practice of holding funds for such an extended period after a transaction has been canceled is causing significant financial inconvenience and distress. The companys failure to provide a timely refund undermines consumer trust and raises serious concerns about their operational practices. 

I kindly request CFPB to investigate this matter and take appropriate action to ensure that Remitly adheres to fair and reasonable practices regarding transaction cancellations and refunds. Consumers should not have to endure such delays, and it is imperative that financial institutions are held accountable for their actions. 

Please confirm receipt of this complaint and inform me of any steps that will be taken to address this issue. I appreciate your attention to this matter and look forward to a resolution. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Filed to dispute a charge on XX/XX/year> for {$770.00} and SOFI bank has failed to provide me with any information besides telling me it's " being handled by their back office ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear credit bureau I am exercising my rights under the Fair credit reporting acts, section 609, to request information regarding an item that is listed on my consumer credit report Account name : XXXX XXXX XXXX  Account number : XXXX  Account name : XXXX XXXX XXXX  Account XXXX Account name : XXXX XXXX XXXX Account number XXXX As per section 609 I am entitled the source of information which is the original contact that contains my signature. I have included copies of my license and social security card If information can't be verified I would like to remove information in 30 days thank you XXXX XXXX XX/XX/98
Product: Credit card or prepaid card

On XXXX_XXXX-XXXX I made an attempt to Register and Create an online account with my American Express credit Card. the system asked for my mother 's date of birth. Needless to say I do not know it because we are trained not to carry or use someone else 's " Person Identifiable Information '' ( PII ). I contacted American express on XXXX-XXXX-XXXX by Express Mail with a copy of my certificate of completion on " Security of Personal Identifiable Information '' ( PII ) and asked if I can have that portion changed ( Security ), because I do not know my mother 's birthdate. also, I asked that I be contacted in writing and not by telephone, ( I had telephone technique training ). I was still contacted by telephone. A XXXX or XXXX XXXX XXXX asked to give her a call from voice mail message, XXXX extension XXXX. I called her and she stated that all I have to do is give the month and day of her birth and I told her it is still my mother Identifiable Information regardless, because month and day ID her and not me. XXXX or XXXX XXXX was very adamant that this will not be PII violation. My complaint? To make you all aware that we will never get credit card fraud under control and Cyber Security corrected until these people in corporate places learn to cooperate with government and revise their settings and profiles. I quit looking for Justice with these complaints ; there are no resolve to my personal issues. I WILL NOT REGISTER MY CREDIT CARD ONLINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to lack of response from these companies, I am filing this complaint to XXXX XXXX XXXX, and DISCOVERBANK. They have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Product: Credit reporting

Both Experian and XXXX show a withdrawn federal tax lien as being a released federal tax lien. I have communicated with XXXX agencies concerning the fact that the IRS has withdrawn the lien and should have been treated as not being in effect. While the information is reporting an event that happened, i.e., the lien was released by the IRS, the IRS also filed documentation showing that the said lien was withdrawn. 
This information has been harmful to my credit worthiness and has had an economic impact.
Product: Checking or savings account

Opened a savings account with Discover XXXX Bank on XX/XX/2023. Promo offer of 200 deposited into my account if funded the Discover XXXX account with XXXX or more. Created the online account and tried to transfer XXXX from my checking account ( XXXX & XXXX ) to Discover savings account. Discover system locked me out online and I have spent considerable time of the phone with them to find out that they CAN NOT link with XXXX & XXXX. XXXX & XXXX is my only other bank account and I have never had issues with linking other financial services ( Discover credit card, mortgage, IRS, etc. ). 

I feel like I have been tricked into opening an account at Discover Savings without being told in advance that they only allow transfers with certain financial institutions and unfortunately XXXX & XXXX is not one of them. 

Please require Discover Bank to DISCLOSE this information prior to having a consumer go through the frightening experience of trying to transfer XXXX and have no idea why in the middle of the transfer the user becomes " locked out '' of their account. It was very stressful as I didn't know what was happening with a considerable amount of money. Then I had to spend over an hour on the phone with various people only to learn that this could have been avoided if Discover had disclosed this PRIOR to me opening an account. 

Thank you very much for your consideration of this request.
Product: Credit reporting or other personal consumer reports

This is the follow up complaint after the 15 days i sent letters to bureas. I need these items deleetd.XXXX XXXXXXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX Balance Owed : {$1000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, IR XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again.,
Product: Student loan

I am beyond disappointed and frustrated that somewhere/somehow Sallie Mae ( now Navient ) managed to move my federal direct loans to the, " private side '' of their operation. I worked with Sallie Mae in XX/XX/XXXX/XX/XX/XXXX to set up a payment plan for my XXXX and XXXX student loans ( all Federal Direct and Stafford Loans ). As a new graduate entering the job market, I was counseled to consolidate my payment and take a " level '' repayment plan. I distinctly recall that the person I spoke with on the phone telling me that the " consolidation '' was just to allow me to make one payment. I was also locked in at 6 % for the life of the loan - and was told that Sallie Mae would not sell or transfer the loan. 
Fast forward to the present, I have been working for a qualified non-profit organization for the past 15 years, and qualify for the Federal Student Loan Forgiveness Program ; however, Navient has decided that my loans are now private. It was never made clear that any loan offered by Sallie Mae or Navient was not on behalf of the US Department of Education. I would never have " consolidated '' my loan payment had I been made aware of forfeiting the benefits that could be offered down the road from the federal government. I applied for the FSLFP about 2 years ago, and was denied because Navient is claiming the loans are ineligible. This is predatory lending. I find it appalling that while I borrowed $ XXXX - after 14 years of paying $ XXXX/month, I still owe $ XXXX. By the time I have finished payments - I will have paid $ XXXX. Navient will have made {$41000.00} plus dollars to process my monthly payments. 
Will there be any additional changes to the FSLFP that may help people like me?
Product: Debt collection

Upon the sale of my home, I received letters from XXXX XXXX XXXX XXXX months later stating that I owed a past due balance from XXXX XXXX XXXX. I have been trying to confirm that the debt is legitimate and that XXXX XXXX XXXX has an outstanding amount that was n't paid and if unpaid, that unpaid debt has been legally forwarded to XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX has not shown proof that this debt is owed. 

Finally, XXXX XXXX continues to harass me with 5-10 time per day to collect the debt.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX