23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX. put a lien on a home my husband and I are selling next month. My name has not been on the title to this home for most of the 9 years we owned it because I was afraid cavalry would do this. But a few months ago we put my name on the title. ( thinking cavalry 's long arm had shriveled back due to credit card debt expiration laws in this state being 7 years ... ) I called them and settled to pay XXXX so the home can sell ). But their practices have been illegal and abusive. 

1. They bought an old debt of mine from around XX/XX/XXXX from Bank of America. I moved to XXXX in about XX/XX/XXXX and they had a lawyer in the state2. that shamed me into sending them XXXX via XXXX XXXX to settle the case. 

3. They never sent me a receipt for the money. OR reported it on my credit report. 

4. In the state of XXXX that debt should have expired. 

5. Now in XX/XX/XXXX they have placed a lein on this house which we are selling and their letter to the Title company states a date of XX/XX/XXXX. Which is falsified. This debt should have expired. 

6. Also, this home was NOT used to secure any debt with Bank of America ( or XXXX ). IT SEEMS that The lien should not be attached to this property legally should IT??? 

Also, in XX/XX/XXXX when they first badged me by phone they sent me a judgment. I was so ashamed ( newly married ) and afraid of being father abused verbally by them in court that I did not go. 

7. I wrote them letters explainable my situation, that I had become XXXX after selling a home in XXXX ( to pay all my credit card debt off!!! and I did pay around XXXX to citicard, etc., but I kept Bank of America because the interest was 4 percent fixed. But alter selling my home I became manic depressive and could not do simple paperwork and the bank of America card never got paid. Of course XXXX did not care about anything but making money from me. ( I NOW know ... ) 8. According to XXXX 's RANDOM and undocumented BOOK-keeping -- - that old XXXX dollar debt they bought from Bank of America around XX/XX/XXXX -- has ballooned ( after their 'legal fees ', 21 % DEFAULT interest ' etc. to almost XXXX! 

I attach images of the paper work. to substantiate my claims. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts that need to remove the late payment history. 

Items that need attention : XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/year> Balance : {$11.00} XXXX XXXX XXXX XXXXXXXX XXXX Opened : XX/XX/year> Balance Owed : {$35000.00} Late/Open
Product: Debt collection

In response to Complaint ID : XXXX via XXXX  under collections account # XXXX RGS Financial has not validated a claimed debt that I owed. Instead they sent an itemized bill ( attached ). I live in FL, never lived at the claimed address. I am requesting my signature for validation. If they don't continue to report, I will be sending a court summons for damages and they will have to attend my local venue here in FL over {$63.00}. I think they have the wrong person. By the way, on my XXXX report their address is reported as : RGS FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( SEE SCREENSHOT ) In their response they claimed their zip code is " XXXX '' which shows they are reporting inaccurately as well on the screenshot below. I can only image how many consumers are being taken advantage with their false address reporting.
Product: Debt collection

There has been an ongoing final bill discrepancy with XXXX and a collection bureau has placed this debt on my credit report. I do not owe because I was billed incorrectly. I had renewed my contract via telephone but XXXX continued to charge me a variable rate resulting in extremely high bills. I made numerous phone calls to XXXX without any resolution
Product: Debt collection

ERC calls repeatedly and harasses you and will threaten you. I have sent in paperwork to show proof of fraud but they still harass me and do n't care that the debt is not mine. I have asked for proof and validation on several occasions and still not received anything except for more harassing phone calls and demands for payment.
Product: Checking or savings account

I have contacted them XXXX times to resolve the account closure, and they have failed to do it as per Credit Agency XXXX Credit Agency. I have contacted the Credit Agency 3 Times to execute the account and close both the Chime Credit builder, checking & Saving. 

The company keeps sending letters stating the information they have is correct ; however, that is not what I asked for -- - I have asked them to close all of my accounts and also close them with the Credit Reporting Agencies as well, but they failed to do it all together. 

I am requesting that CFPB Enforce this per my request because the company is not doing what is supposed to do. 

I am closing this account to keep my accounts organized and I am no longer using their services, nor do I want to continue doing business with them. Leaving open bank accounts not being used leaves me vulnerable to cyber attacks and impersonators doing business in my name. 

I want a written notification letting me know this has been completed, and also for it to reflect on my credit reports. All time they fail to do the later which is relinquishing it from my Credit Report.
Product: Credit reporting or other personal consumer reports

after reviewing my credit profile, I noticed several fraudulent items on my credit report per 15 U.S code 1681b -permissible purpose of consumer report I have listed all accounts on my FTC report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I was entered into the care of XXXX Hospital. This of course came with some bills, the one I 'm disputing is in collections for a total of {$3400.00}. I do n't even know what the charge is for specifically or the amount and can not find the information anywhere. Every other charge I incurred during my hospital visit was covered by my insurance company at the time, XXXX. I had had the insurance since XX/XX/XXXX, and I have the payments to prove it. I was told by XXXX customer service on several occasions to give them time to send the payment over to the collection agency or the hospital asking for the charges at the time. They later changed their story and said they were no longer going to pay, even though during XX/XX/XXXX and at the time of the hospital visit, I was paying a premium of {$570.00} every month for the XXXX plan. I 've had insurance with them for 2+ years and they left me in the dark thinking they were going to cover what they agreed to and what I 've been paying for but they did not. And my debts have now been sent to collections. I know that these debts are not to be paid by me, but by XXXX, I have been paying my premium for a reason, it 's their debt NOT MINE.
Product: Student loan

Due to Biden administration IDR FFELP offering, I consolidated my privately held FFELP for direct loan. During the process of payoff by Ai Advantage to XXXX, XXXX 's autopay was still on and a payment deducted. So, the payoff that was made exceeded the loan balance. As a result, XXXX did not reverse the payment or pay me. Rather, XXXX transmitted the funds to AI Advantage in a bulk ACH file in XX/XX/year>. AI Advantage refuses to acknowledge that the payoff exceeded the balance or locate the funds in the ACH file that XXXX transmitted. I repeatedly get ill-composed non-sensical emails from their customer service. I have provided documentation to the studentaid.gov website and they closed the case. I also have provided this info to the Inspector General 's office today. As a result of AI Advantage 's conduct, my loan balance actually increased and I'm paying interest on a higher balance and being denied any funds back. My balance at XXXX was paid in advance and had no fees. XXXX has said multiple times that they refunded the payment to AI Advantage with the date and ACH file number and amount yet AI Advantage is not providing any information and actually denying that I'm entitled to my funds that were overpaid due to the autopayment not being stopped.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1601 is part of the Truth in Lending Act ( TILA ), also known as Title I of the Consumer Credit Protection Act. It contains congressional findings and a declaration of purpose for the subchapter, which is to : Ensure consumers can compare credit terms and avoid uninformed credit use Protect consumers from unfair and inaccurate credit billing and credit card practices Strengthen competition among financial institutions and other firms XXXX XXXX XXXX Acct # XXXX, XXXX Acct # XXXX I want to dispute and delete this off my credit report.
Product: Credit reporting or other personal consumer reports

Upon review the files, it comes to the attention that there is an Unauthorized Account information about a XXXXXXXX XXXX Account # XXXX with the balance of {$4900.00} ( XX/XX/year> ). I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges. I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature authorization and consent within XXXX business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent.
Product: Credit reporting or other personal consumer reports

DELETE ALL FRAUD ALERTS XXXX # XXXX # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXXXXXX XXXX  XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. 

Equifax FRAUD VICTIM. 'INITIAL ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Credit reporting or other personal consumer reports

Pursuant to 15 USC 1681i ( a ) ( 6 ) ( B ) ( ii ) Ive requested the method of verification and a copy of all documents pertaining to any investigation. XXXX is reporting a XXXX balance on an account that is paid and satisfactory all while claiming they verified the balance is accurate. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX failure to conduct proper investigations. 
Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C.

1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts to have this issue resolved, I received statements on my credit report that the dispute was not specific and updated. How was the disputes updated if they were not specific? I have not received debt validation on the following accounts : -XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX credit bureau has not satisfied it obligation to provide the information requested.
Product: Mortgage

My family had recently moved into our new home. I was sadly laid off from work the same day my house was put on my lot. So money is very tight have been collecting {$560.00} from unemployment. And anyone with common sense would know the current situation. Basically a lot of bad luck at the moment. Now there was a mishandling of some documents that the home builders were supposed to send to the bank concerning when the first payment was due. To our knowledge, the first payment was due on XX/XX/XXXX which the documents stated. Sadly that was not the case apparently the first payment was actually due on the XXXX of XXXX. We hadn't even been living at the home for a week. I was out of a job and my stepson was also. By the grace of XXXX, we found jobs and have been working for roughly about two weeks trying to earn up the money. My issue comes here... A lady called me today and was asking for {$1600.00} to be paid immediately. Now I tried to arrange a {$2000.00} payment with her for Friday, XX/XX/2022. She stated that " no you don't need to make a payment of {$2000.00}. When I'm only asking for the month of XXXX ''. She then transferred the phone to a gentleman who was extremely rude and even told me " I don't care how you get the money, sell, pawn, or do whatever. But I need a payment of XXXX ''. That was a new amount for me so I asked him why that amount. I'm not very familiar with the law but to my knowledge, I have roughly 30 days to make a late payment. If that is correct the 30 days ended on Saturday XXXX of XXXX, 2022. Now my stepson offered to pay the {$1600.00} TODAY XX/XX/2022. But he said no he wants the {$3300.00}. Now if he would've just accepted that today and the {$2000.00} on Friday everyone would've gone home without a headache. I attempted to make the payment online right now and it has seemed to have been blocked by him. I don't understand why he has to be so difficult can he not comprehend we as a family are in very tight situation money-wise, and I'm offering him a resolution and he does not want to take it? We don't have the full money today but have half of it, why be so complicated to crush a family 's dream of being homeowners what happened to the XXXX XXXX? Yes on XX/XX/2022 we spoke on the phone to login into my account to keep track of the payments. I had said to him that on XX/XX/2022 I would make a payment, sadly we only had very little money earned and missed the date.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation.
Product: Debt collection

I have notified both the collection agency and original practice that the debt was paid by insurance yet they told credit bureau that it was real and they still refuse to remove it from my credit report.
Product: Credit reporting or other personal consumer reports

As per the guidance from Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block information from my credit report within four business days pursuant to section 605c of Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Equifax. Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$4600.00} 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

XXXX XXXX refuses to remove negative item even though a settlement if this isnt removed. Ill sue them!
Product: Credit reporting or other personal consumer reports

This item should have not been on my account remove a year ago
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 CFPBs recent lawsuit highlighting significant issues with the platform. Despite using Zelle regularly and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and transaction tracking was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams via the platform. This lack of accountability and transparency is unacceptable and raises serious concerns for consumer safety and electronic money transfers.
Product: Credit card or prepaid card

XX/XX/XXXX There is an 'AUTOPAY '' for {$160.00} that WAS NOT ME. I DID NOT AUTHORIZE THIS. 

XX/XX/XXXX There is an 'AUTOPAY '' for {$210.00} that WAS NOT ME. I DID NOT AUTHORIZE THIS. 

I NEVER RECEIVED A CARD ENDING IN XXXX, XXXX, ANYTHING AFTER CARD ENDING IN XXXX -- I DID NOT GET. 

Can you read? Do you understand what I just wrote? 

I. DID. NOT. RECEIVE. ANY. REPLACEMENT. CARD. AFTER. XXXX. 

YOU made me pay for a fraudulent charge. YOU owe me {$160.00} that I had to pay for on XX/XX/XXXX because YOU CONTINUOUSLY FAILED TO REMOVE FRAUDULENT CHARGES FROM MY NAME AND HAVE IMPACTED MY CREDIT SCORE NEGATIVELY Do you understand? Can you comprehend the timeline of events that I have explained to every single representative since XX/XX/XXXX? 

I PAID OFF MY CARD IN XX/XX/XXXX AND NEVER USED IT AFTERWARD Actions taken by Citi : NONE Your company of morons NEVER opened any dispute, as each time I'd call, your representatives would tell me " oh, we're sorry to hear that sir, we'll get a dispute opened up for you, '' AFTER I JUST SPOKE WITH SOMEONE A WEEK PRIOR WHO TOLD ME THEY WOULD OPEN ONE UP. 

Your company would pass me from one department to another ; Customer Service, Disputes, Fraud Early Warning, Collections, and EVERY SINGLE REPRESENTATIVE WOULD SAY I NEEDED TO BE TRANSFERRED TO SOMEONE ELSE Your company would tell me that my balance was showing {$0.00}, and that I had nothing to worry about. I had to discover that your dimwitted system reports to creditors one linked account ( open since XXXX ), but for some idiotic reason, you create new 'accounts ' with each newly issued card so that your morons have no idea what they're looking at when I tell them that idiotic Citibank has issued/created 5+ account numbers AFTER XXXX, INTENTIONALLY MAKING EVERYTHING SO DIFFICULT TO KEEP TRACK OF Your company to this day has failed to open and process a dispute regarding the remaining amount that was on my report, MADE ME PAY, AND STILL HASN'T TAKEN OFF MY REPORT Your company allowed someone to change my security word, address, bank account number, phone number, email. I NEVER CHANGED ANY OF THIS INFORMATION. I HAVE HAD THE SAME INFORMATION SINCE XXXX. 

Your company allowed XXXX XXXX XXXX to be added AND MAKE UNAUTHORIZED PAYMENTS. I HAVE TOLD EVERY SINGLE REPRESENTATIVE I DID NOT AUTHORIZE THIS ACCOUNT OR EVER AUTHORIZE PAYMENTS FROM THIS ACCOUNT!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX/XXXX has discharged a loan and it still shows on my credit report as 129-149 days late. the discharge is due to the fact that should have NEVER been enrolled into this school in the first place.See document attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX