23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I was contacted by Credit Adjustment , Inc about a medical debt. I stated that I had not received any written communication detailing the debt I supposedly owed. She told me a letter was sent. I let them know I would like to review the letter, look into the validity of the debt, and would contact them next week. I asked them to please stop repeatedly calling my phone in the meantime. I was told that this is their process and they can note the account but would keep calling me. I informed them that I had rights to not be harassed and to receive my communications via mail. She told me they would not oblige. I asked for her name and she refused to give it to me and wanted me to speak to her supervisor. I informed her that there was no reason to talk to a supervisor, that I wanted to know her name, and that I would be filing a report. She refused and stated she would note my account, but would still continue to call.
Product: Debt collection

I've already submitted proof of fraud and identity theft to this company in the past. 
We've requested the company send proof of contracts or business dealing that were agreed to, we have received nothing. This debt is not mine and again, the fraud and identify theft affidavits have already been sent!
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. The following accounts are in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, Englehardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the items nor done any level of investigation to support their position. I need these accounts removed due to the rules of estoppel. 
XXXX XXXX XXXX & XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing you to formally expressed my concerns with the Zelle handling of disputes particularly in high CPFB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, failed to investigate any claims inadequately. They informed me that recovering lost funds was impossible and that tracking needs funds unfeasible. The CPFBs finding indicates that not only has CBFBs findings indicate neglect to protect consumers but has also allowed repeat offenders to exploit the system, leaving users, vulnerable to scams. The lack of accountability and transparency is unacceptable and raise serious concerns about consumer safety.
Product: Debt collection

I do not have an account with XXXX XXXX XXXX XXXX. This company is based out of XXXX. I have never lived in the state of XXXX. The collection agency is located in XXXX XXXX,. I have energy through XXXX XXXX XXXX XXXX in the state of XXXX  for the last 7 years. This account was somehow opened in my old last name. This is considered as fraudulent. I do not know this company. XXXX XXXX XXXX has been my XXXX company for the last 7 years and prior to that would be XXXX XXXX XXXX XXXX which that account is in great standing. 

I do not use this old last name anymore and any accounts opened in this old last name are fraudulent. Last name was changed due to marriage and any accounts opened after 2016 in my old last name are fraudulent.
Product: Credit card or prepaid card

I made a payment to my Avant Credit Card, after reading their payment processing policy, I made a {$100.00} payment on XX/XX/XXXX @ XXXX XXXX Central Time. On XX/XX/XXXX I received an email saying that the payment had posted to my account. The payment had also cleared my checking account from which I made the payment. On XX/XX/XXXX my account was still not showing the payment as available credit on my credit card. I contacted XXXX XXXX XXXX XXXX and was told the payment would not reflect as available credit on my card until XX/XX/XXXX. I asked why seeing that the payment had cleared my checking account and I had received an email from the XXXX XXXX XXXX XXXX on XX/XX/XXXX saying that the payment had been posted to my account. XXXX XXXX XXXX  XXXX made no offer to post the payment even after I called their attention to their own credit card payment posting policy outlined on their website. This is basically steeling, as they are charging interest on purchases that they have already received payment for days ago. I have listed their payment processing policy below exactly as it appears on their official website, but apparently they are not responsible for being truthful with their customers. 

" " XXXX  Payments How can I make my payments for the XXXX? 

We have a few methods of payments available for our XXXX customers. You are welcome to register your checking or savings account to your file here at Avant and can set up either recurring payments through our AutoPay service or initiate one-time payments on the dates you prefer. Additionally, you are welcome to submit paper check or money order payments to the following address : Avant, XXXX XXXX XXXX XXXX XXXX, WI XXXX When submitting paper check payments, we request that you provide the following information on the check : Full name as it appears on your statement Last 4 of your credit card account number Note : Credit Cards are not an acceptable method of repayment for the XXXX. Payments must be received by XXXX XXXX Central time to be credited as of that day. 

Why does my payment status for the XXXX say " pending ''? 

A payment to the XXXX will be in a pending status for overnight processing. If a customer initiates a payment before XXXX CT on a given day, the customer will receive credit for making the payment that day. However, the payment itself may be in a pending status until the funds are received and have cleared from the customer 's financial institution. Once the payment clears, the customers current balance will be adjusted to reflect the payment amount theyve initiated. 

Can I choose/change my XXXX minimum payment due date? 
At this time, XXXX does not allow our customers to change their payment due date. We apologize for any inconvenience. " ''
Product: Credit reporting or other personal consumer reports

I looked at my Transunion credit report on XXXX XXXX and noticed some things are incomplete reporting. 
This list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 XXXX XXXX XXXX ACCOUNT # XXXX AKA XXXX XXXX Whenever a consumer reporting agency prepares a consumer repost it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15USC 1681 E B.

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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

Ive been complaining for years to the bureaus and the creditor this wasnt my account and how its hurting me and my ability to obtain credit to better my livelihood! I asked for proof copies of signatures that I signed and nothing!
Product: Credit reporting or other personal consumer reports

I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
My current and only address is XXXX XXXX XXXX XXXX XXXX, Alabama XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately Delete any and all social security numbers that your company is reporting on my credit report. 
My date of birth is Date of Birth : XXXX I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
I do NOT have any requisite spouses nor roommates nor co-applicants and I do NOT desire any spouses or roommates or co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
Thank you, in advance, for honoring my requests. Its my understanding that you have up to thirty days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Once you have removed the inaccurate information I would like my full completed and corrected credit reportshowing these changes mailed to XXXX XXXX XXXX XXXX XXXX, Alabama XXXX. Thank you. 

Sincerely, XXXX XXXX
Product: Student loan

My students loans were transferred to MOHELA. I have auto pay set up for above my minimum payment. MOHELA has taken the auto pay out the past two months but continues to send past due notices. I verified my auto pay is set up to be allocated to each loan above minimum payment and the auto pay has come out of my account. Still MOHELA sends me past due notices and shows my account being past due. I have revoked auto pay due to their inability to correct their mistake. Payments are not showing on my account online yet the funds are gone from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 30 days later I have not received a response yet I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

During the month of XXXX I paid {$19.00} for a sent a certified letter to the credit bureau Equifax and XXXX on XX/XX/19. I received confirmation for Equifax with the tracking number XXXX and for the letter with XXXX   XXXX were delivered on XX/XX/19. I paid my credit monitoring account {$29.00} today to review my credit report with Equifax and noticed that the invalid/fraudulent accounts has not been deleted nor have I received any correspondence from them to my address. According to the Fair Credit Reporting Act, Section 611,  Equifax and XXXX has 30 days to investigate and delete the disputed items. It is not XX/XX/19 and it has been over 60 days and the items are still being reported on my credit reports and causing unnecessary health strains on me as a consumer. I am filing a complaint with the Consumer Finance Protection Bureau to get the help I need since my rights have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future.
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors.
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete CAPITAL ONE account to ensure maximum reporting accuracy across all consumer reporting agencies. See attached.
Product: Credit card

I have had my Sears account since XXXX and have gotten my updated cards regularly and do all my payments online and opted out of paper statements years ago. My card expired in XX/XX/XXXX and have never received a new card. When I called they said they were reviewing the account and I should know in about a week. Told me my available balance and said I can shop just have ID and my social security number. However, for about a year or so prior every time I logged on I had to verify the spelling on the card which I never had to do in the past. Also prior to my card inquiry sudden ; y I could no longer log on to make payments or check the activity on this account. It would not take my credentials. Nothing had changed. Called technical and we tried and tried no luck. Wasted an hour. So I had to make the payment over the phone. Every month thereafter same scenario and still no way to get access. Finally last month a representative stated that the reason was that I needed the new card information to create a new logon and that she would send out a new one. I made the payment over the phone that day and she waived the late fee since it was due the day before and I could n't get access. I still did not receive the card and all these months have had no statements or know if the balances were correct and just paying them blindly. This month I contacted them again and spoke to a supervisor and explained the situation and again no help. There is too much fraudulent transactions with these banks and I need to get this resolved ASAP.
Product: Checking or savings account

Bmo keeps on blocking my XXXX, it has become very frustrating to operate my XXXX. 

Yesterday I sent a {$1500.00} of XXXX payment to myself, and I havent received The XXXX payment, I was supposed to receive it immediately, I was I will be going to receive it on Monday, XX/XX/year>. 

XXXX was made to receive the payment immediately, not after three days. 

And today when I went on XXXX of Bmo to send {$300.00} to myself on my other account, it placed me on hold I already verified myself on the automated system when I called Bmo, still, they asked my full name and wanted to send me a passcode on my phone number, which they were not able to send, then they started asking me The amounts of credits and debits I have received in my account, out of frustration I hanged up the phone.

I have reported this matter before against Bmo, Bmo need to change its ways of verifying the customer and stop harassment of the customers.
Product: Credit reporting or other personal consumer reports

I was alarmed that there are inaccurate late payment remarks on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that not only do I have no knowledge of the trade line XXXX XXXX is reporting on my credit but you are also in violation of the TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. I have tried numerous of times to contact this. Attached is a letter from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance The FCRA my rights are being violated. According to 15 U.S. Code 6801-Protection of nonpublic personal information.

15 U.S. Code 6802 -Obligations with respect to disclosures of personal information.

Once again my rights are being violated and illegal practices is taking place.

I have not given Any company written or verbal consent to do so.
Product: Credit reporting

1 ) XXXX credit card account : The account XXXX .... ( member no XXXX ) was PAID IN FULL IN XXXX 2013. You are still showing it as " CO ''. This is creating all the problem. Despite many requests and reminders, experian is not updating the status and I am loosing good credit card offer opportunities. 
XXXX sent a letter to experian also requesting them to correct the informaiton. I am enclosing that letter again. So please correct this account status. 

2 ) Also I have only XXXX shared credit card from XXXX for last XXXX years which is going good. But experian report shows so many accounts from XXXX with their status as lost/ stolen/ closed whoch IS WRONG.They are not correcting that too ( I have enclosed XXXX letter for that ) 3 ) The merged credit report shows a score of XXXX from experian but experian report shows a score of XXXX. My score should be XXXXThe experian report is completely messed up and not upto any professional standards. I have enjoyed good credit offers until now but experian report is wrongly reporting information and is stopping people to get good credit terms. I request you to investigate and do the needfulthanks in advance and please call me if you need any information you may need for the investigationXXXX XXXX ( XXXX ) XXXX XXXX XXXX, MA, XXXXcell no XXXX
Product: Credit reporting or other personal consumer reports

I had applied for Solar Panels with Dividend Solar Finance which was approved on XX/XX/XXXX. However, there is a second hard inquiry from Dividend Solar Finance on XX/XX/XXXX which results in an increase of the hard inquiries on my account. 

Same for XXXX there was one inquiry on XX/XX/XXXX and another one on XX/XX/XXXX. I only authorized 1 inquiry same for XXXX. Inquiry date XX/XX/XXXX and another one on XX/XX/XXXX all the above are duplicated and have a negative impact on my inquiry count.
Product: Credit reporting or other personal consumer reports

AFFIDAVIT OF TRUTH State of Ohio I, XXXX XXXX XXXX, being of sound mind and legal age, do hereby swear under penalty of perjury that the following statements are true and correct to the best of my knowledge and belief : 1. Personal Information : My name is XXXX XXXX XXXX. I reside at XXXX XXXX XXXX, XXXX, OH XXXX and my Social Security XXXX is XXXX. I have lived at this address from XX/XX/XXXX. 

2. Credit Report Dispute : I am writing to dispute the accuracy of certain information that appears on my credit report, which was obtained from Experian, XXXX XXXX XXXX XXXX XX/XX/XXXX. 

3. Inaccurate Information : The following items on my credit report are inaccurate or erroneous : XXXX XXXX  Account # XXXX Dispute Reason : Late Payment reported wrong on my report and its hurting my report. 

4. Supporting Documents : I have attached copies of the following documents to support my dispute : Pic of report of the account, SSN, ID I respectfully request that Experian, XXXX, XXXX conduct an investigation into these matters and correct or remove the inaccurate information from my credit report as required by the Fair Credit Reporting Act ( FCRA ). 

6. Declaration : I declare under penalty of perjury under the laws of the State of Ohio that the foregoing is true
Product: Checking or savings account

I am writing to you today to express my frustration and concern with the delay in receiving my funds after I closed my checking and savings accounts with Chime on XX/XX/2023, they told me I would get by check 30 business days later. As of today, XX/XX/2023, I have yet to receive the funds, and after contacting your customer service representatives, I was informed that the check had not cut or processed, and I would receive it by XX/XX/2023. 

More details I called to close my chime accounts on XX/XX/XXXX, they closed my accounts on XX/XX/2023 and said would get my check 30 business days later. I called again on Monday XX/XX/XXXX to ask about a status update, they said I would receive it in by XX/XX/2023. I did not receive it on XX/XX/XXXX, I called them again and spoke to a manager they told me nothing was wrong but my check had not cut or processed and I should have it by XX/XX/XXXX at the latest. 

I do not think this is fair and would like my money back as soon as I can.
Product: Debt collection

CMRE is in violation of the Fair Credit Reporting Act. A XXXX XXXX investigation from XXXX 2015 found the account ( # XXXX ) was unverifiable/inaccurate and was deleted from my XXXX XXXX credit report. CMRE did not report the deletion of the account to XXXX, the other consumer reporting agency that it reported the account to. Proof of the XXXX XXXX investigation results are attached. This complaint will be used as evidence in the event legal action is warranted.
Product: Credit card

Equifax and CapitalONE refuse to investigate XXXX hard inquiries that have a negative impact on my credit report. Each time I have disputed this incorrect information both agencies state these inquiries are a marketing inquiries and not hard inquiries as indicated on my credit report. I need CapitalONE to validate these hard inquiries or remove this incorrect information from my credit report. If this matter is not resolved through your assistance I will place this matter with the XXXX County Civil division for Judge to make a final decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collections does not seem valid for the specified card yet continuous calls despite the explanation provided to the company.