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

I filed a dispute on XXXX XXXX XXXX XXXX XXXX. Because I am unaware my credit was ran or what this inquiry is. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against experian. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove or correct any information. I am requesting this be removed immediately as its affecting my chances on getting a car. XXXX violates my rights as a consumer, as well as federal laws.
Product: Checking or savings account

XXXX and the mismanagement of transferring funds. Nothing was put in place or stated that funds could not be returned if sent to the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, after ordering a credit report from XXXX, I sent a Disputed letter to the credit reporting agencies. I found these UNVERIFIABLE accounts on my personal profile after receiving a copy of my report, and I also discovered that my credit report contains accounts that are deceptive to me. On XX/XX/2023, I wrote to the three credit bureaus. I believe they violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) by failing to authenticate these accounts ( A ). This was part of my most recent COMPLAINT, and I'm hopeful that it would prompt an immediate correction of the following accounts ' late payments : XXXX XXXX XXXX XXXX XXXX. It is not acceptable to disregard these reporting accounts as unverified information without offering any justification within the legally required time range.
Product: Debt collection

XXXX XXXX, 2017 To whom it may concern : I need assistance from your organization. I would like to file a complaint against a collection agency by the name of AMCOL SYSTEMS INC. 

This collection agency has placed a fraudulent collection onto my credit files, and I want this fraudulent information removed immediately. 

This agency has placed a collection in the amount of {$1500.00} onto my credit files, claiming that I owe these funds to XXXX XXXX XXXX XXXX. 

They are claiming that I owe this Care Now style emergency room this money. I have not visited that facility in over a year, and any claims that were created during my visit at that time, have already been paid in full, by my insurance carrier some time ago. 

From what I have learned, there is a lawsuit that has been recently filed against this medical facility, and I presume that this is why they have recently changed their name. 
That medical facility has a bad record of exorbitantly overcharging patients for minor services performed, as well as not crediting patients for medical bills that have been paid, they use different AKAs when it comes to collecting payments, and I suppose this causes confusion for them, so the one that suffers is the patient, because the billing staff cant keep their records straight. 

This collection agency has broken the law, they are committing slander of credit, because they are charging me for a debt that I do not owe, as well as they also did not contact me at all prior to placing this fraudulent information onto my credit files to verify the accuracy of this debt. 

They have damaged my credit rating, and thereby caused me harm, and this has influenced my ability to conduct my financial transactions, and I am seriously considering initiating legal action against this collection agency. 

I want AMCOL Systems Inc. to provide to me in writing, proof that they are licensed to collect in my state, as well as, I would like proof of their license numbers, and their Registered Agent documentation. 

I want AMCOL to respond directly back to your organization, and you can provide me with their response, I want your agency fully involved in my complaint.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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

my student loan is more than XXXX XXXX XXXX and Im attempting to purchase a home and this loan is reporting making my debt to income ratio high.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies are continuing to report these accounts inwhich has not been physically verified but only told by an agent of the company that the account is mines, however according to FCRA, them accounts need to physically verified and the consumer needs copies of such documentation.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about some erroneous items in my report. You must correct these items that were opened without my knowledge, consent, or authority within 4 business days.These items are damaging my file and needs to be updated or deleted. 

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

I pulled a copy of my Equifax credit report on XX/XX/XXXX, and after reviewing the information, I noticed that Equifax have a bankruptcy listed on my credit report. This information was placed on my credit report in XX/XX/XXXX and have been on my file since then. I have disputed this information with XXXX to get no response, or just completely ignore the fact that the information, is incorrect. XXXX is in violation of Public Law 91-508-OCT.26,1970, Findings, and Purpose -607.B Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a The Bankruptcy Court has no interaction with credit bureaus, including Equifax, XXXX, and XXXX XXXX The Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus. So how is this placed on my consumer file, since the court did not furnish this information to Equifax.
Product: Debt collection

Letter from PayPal Credit ( fraudulent ) representation : Called number on statement and provided personal information Later identified it as phishing. However, they gained my personal information. 

I would like to later provide the fake statement
Product: Debt collection

I never signed any note with this company stating that I would pay them for services. I never gave permission to this company or any other company to report my personal information to another company or consumer. I called to rectify with company and was put on call block list and was told that they would cease and desist communication with myself and credit bureau but I am still seeing mca management listed on my credit report I would like all information from mca removed from my credit report
Product: Credit card or prepaid card

Synchrony Bank did not proactivlely protect me from over seas fraud by freezing the Sams Club XXXX XXXX XXXX XXXX Credit Card when I could not be reached by phone. While I was under medical care on XXXX XXXX XXXX XXXX of fraud was committed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

i am a victim of XXXX XXXX i have uploaded supporting documents to support my cliam on this matter, please take the time and review all the documents i have submitted.
Product: Checking or savings account

A check would take longer to clear when its a reaccuring deposit resulting in multiple overdraft fees per transaction not by date
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] XXXX Subject : Notice of Dispute under 15 USC 1681 ( b ) Dear Sir/Madam, I am writing to dispute a late payment that has been inaccurately reported on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) as outlined in 15 USC 1681 ( b ), I request an investigation into the matter. 

Account Information : Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Date of Inaccuracy : [ XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ] I believe that the late payment reported is inaccurate, and I request that you promptly investigate and correct this information. The FCRA requires that consumer reporting agencies and furnishers of information provide accurate and complete information, and any failure to do so is a violation of federal law. 

Please provide the results of your investigation and any corrections made to my credit report within the timeframe specified by law. I appreciate your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database
Product: Debt collection

Called apartment complex when collection appeared on my report and I spoke with XXXX XXXX and she told me that the collection was valid and that I had to pay through collection company. No proof was provided. I called again on XX/XX/XXXX XXXX to request proof of {$400.00} debt owned and I did not receive and was told to contact collection company. The last communication that the apartment sent was when they emailed me a payment reminder from XX/XX/XXXX stating " Dear resident, This is a reminder that rent is due. A 10 % late fee has been added to account and is shown in the amount below. We do not accept money orders for payment. You must pay the below amount in full with a cashier 's check or by going online to XXXX. We do not accept partial payments!! {$750.00} You have until XX/XX/XXXX to pay the above balance in full. There will be no exceptions. Your file will be sent the attorney on the XXXX to begin eviction process if payment is not received. If you feel the above amount is incorrect or that you do not owe a balance please contact the apartment office immediately. Sincerely, XXXX XXXX. 

This document was sent in a pdf file and it did not reflect the amount showing on my credit report with original balance of {$400.00} and new balance with added fees of {$450.00}. This does not show any proof of where the {$400.00} amount came from nor that there were any attempts to communicate this balance owed.The last email from apartment was on Thursday, XX/XX/XXXX. I paid rent and moved out of the apartment in XXXX and never received any more communication or contact by any other methods. It was not until XXXX {$400.00} was added to my credit report ( 4 years after I moved out of the apartment ) and I am very unclear of what these charges are for.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX late open Bankruptcy XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 credit card accounts that are not minds and was open up in my name as fraud. I File an identity theft report and a police report. Here are the accounts : XXXX XXXX balance XXXX XXXX XXXX balance XXXX XXXX XXXX XXXX  balance {$380.00}
Product: Student loan

Over the last 5 months I have faxed loan deferrment and cancellation forms Campus Partners. Each time I have faxed, I 've recieved conformation that the documents have been recieved, but according to them, they have not recieved the paperwork, despite faxing from my jod, XXXX AND XXXX XXXX. Each time I 've called, I gotten different information from different customer service agents. As a result, I now have a poor credit score and can not buy a larger home to better accommodate my XXXX mother who lives with me. 

Campus Partners is poorly organized and has no system for managing recieved paperwork and paymenys. 

I work hard to maintain a great credit rating and pay my school loans on time ... {$470.00} each month. Thanks to Campus Partners, I now have a default for {$160.00} on my credit report. If I could sue them, I would. 

I 've since called them today and now they need something else. 

THIS COMPANY SHOULD BE PERMANENTLY CLOSED!!!!
Product: Debt collection

Capital one credit card company I received a email last week a week prior to todays date. And in the email says that I have an outstanding balance of {$700.00} that I need to pay or theyll take me to court and sue me and the case has been open for about two years and Ive managed to pay on it but I had to switch debit carts so just never got back with
Product: Credit card or prepaid card

On XX/XX/2020, Citibank send me an email addressing me by my first name in the subject and in the email body, inviting me to apply for Citibank Reward+ card and to receive XXXX bonus ThankYou points. In particular, the email subjects reads : <FirstName>, we've enclosed details on our lowest intro APR plus XXXX ThankYou Points after qualifying purchases. Consider the Citi Rewards+ Card | Offer expires XX/XX/2020 I have got interested in this offer and applied for the Citi Rewards+ Card on XX/XX/2020. My application was approved, I received the card, and within two first billing cycles I fulfilled the offer terms. However, I did not receive the XXXX bonus ThankYou points. 

On XX/XX/2020, I mailed to the Citibank Customer Service an inquiry about the promised bonus and a confirmation of the offer I received. In response I received a letter dated XX/XX/2020, saying that " Special offers are not available when an existing account in the same product has been approved or closed with 24 months. '' I'd like to point out that : ( i ) I have never had Citibank Rewads+ card before I opened it in XX/XX/2020 ; ( ii ) I do have another ThankYou points earning card, but since the invitation email mentioned " a limited-time offer for our Citi cardmembers '',  this other card was a reason ( not an obstacle! ) for receiving the offer at first place ; ( iii ) the offer was addressed directly to me and mentioned my name ( even in the email subject! ), so I consider it a targeted advertizement ; ( iv ) Citibank knew the history of my approved or closed accounts with them, and it did not stop them from soliciting an application for Citibank Rewards+ card from me and offering me a bonus. 

All in all, I view the practice of calling my name and offering me a bonus and then denying it deceptive at very least. It is also misleading first to advertize " a limited-time offer for our Citi cardmembers '' and then cite the history of opened accounts as a reason for denying the bonus. 

My attempt to contact Citibank and explain the situation did not succeed, and therefore I file a complaint here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to obtain a refinance for my mortgage. I was denied because of false information on my credit report that was reported by Wells Fargo Home Mortgage. 
I attempted to dispute the fraudulent claims but they said that their system went down right before they submitted the report. I then tried to submit the claim online but the system said that my information did not match any of their files. I don't know how I could all of a sudden not have a credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX ; XXXX XX/XX/2021 ; XXXX XX/XX/2021.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally request the immediate removal of incorrect child support debt information currently listed on my credit report. This request is in accordance with the Fair Credit Reporting Act ( FCRA ) and recent court rulings that restrict the use of consumer reports for certain types of collections. 

Despite the important notice issued by XXXX regarding the inapplicability of consumer reports for collecting delinquent child support, my credit report still reflects such a debt. The specific details of the debt in question are as follows : Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has a {$18000.00} balance and XXXX XXXX has a {$16000.00} for a Combined total of {$34000.00} as of XX/XX/year>. 
Recent federal court decisions, including but not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Experian XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( Case XXXX ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ), have clarified that delinquent child support obligations do not arise from a " credit transaction '' and therefore should not be reported on consumer credit reports. 

XXXX 's notice explicitly advises third-party collectors and related entities to obtain a consumer report only when : There is a court order authorizing the provision of the consumer report. 
There is written authorization from the debtor. 
There is a contractual agreement that qualifies as a credit transaction. 
I have never provided written authorization for the reporting of this debt, nor is there any court order or relevant contractual agreement. Therefore, the reporting of this child support debt is a violation of the FCRA. 

Please be aware that continued reporting of this incorrect information not only violates federal law but also subjects XXXX, Experian and XXXX to potential civil liabilities, including statutory damages, actual damages, and attorneys ' fees. The FCRA allows consumers to seek damages for willful noncompliance, which can amount to up to {$1000.00} per violation, plus punitive damages and any legal costs incurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Bank of America. The Account Opened is Bank of America Account Number : XXXX  Date Opened : XX/XX/2019 Balance : {$12000.00}. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$16000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 was impossible and that tracking these transactions was unfeasible. The CFPB 's 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. 

The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

False advertising made by Comenity Capital Bank - Zales The Diamond Card regarding terms and conditions for promotion. After apply for card to receive promotion being advised by representatives that approved or denial would occur same day. Which did not happen, so promotion was not available for me to use. This falling advertised to apply for credit card. While the credit card application with result in credit report. Thus effecting me personally harming my credit report for a card not needed. Date of application, sale advertise on website and advised promotion still in effect to apply. Promotion no longer available while getting scammed for a card I do not need. Contacted comenity bank directly to cancel application for card since promotion wouldnt apply to me. Advise I can not that their prices takes 1-2 weeks. Stuck with a credit card for false advertising.