23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This collection agency claims that I owe them for services provided by XXXX XXXX in the amount of {$160.00}. No proof was given that these services were mine. The agency added this collection to all three credit bureaus TWICE. Once on XX/XX/2018 and again on XX/XX/2018, which has had a severely negative effect on my credit score.
Product: Debt collection

I'm Filling this complaint because I sent Rent Debt Collections a Debt Validation letter which they received on XX/XX/2021, for a fraudulent debt, they collected. I gave them 10 days from the date they received the letter to respond, it has been 17 days and I have yet to receive a response. if Rent debt collections fails to respond in a timely manner with all requested documentation I will have no other option but to take legal action for FDCPA violations, FCRA violations, And Identity fraud.
Product: Money transfer, virtual currency, or money service

When Zelle first open there was no disclosure so when sending money you would of thought you can trust it
Product: Mortgage

I make my monthly payment by check and Priority Mall it to the company, Lakeview Loan Servicing. 

I mailed my XXXX payment on XX/XX/XXXX for {$970.00} and they are saying they have not received it yet. Now they are charging me a late fee of {$26.00}. 

Is it possible they are holding the check and not cashing it in order to collect a late fee? Can you check this out. I don't trust this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOW I WAS OVERLY NICE LAST TIME!, NOT THIS TIME.  PROSPER MARKETPLACE HAVE REPORTED A BALANCE THAT WAS DISCHARGED IN XXXX XXXX OVER TWO YEARS AGO.  THE BALANCE IS ZERO, NOT $10,200.  ITS NEGATIVELY AFFECTED MY REPORTS FOR TWO YEARS NOW.  ONLY A MONTH AGO THEY PROMISED TO FIX BUT HAVE NOT.  THEY DO NOT CARE, AND O THOUGHT YOUR FIRM WOUKD HELP, BUT YOU HAVE NOT AS WELL.  WHAT NOW???

XXXX
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These inquiries are not of my doing. I didn't not authorize these inquiries on my report. 

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

When I decided to return the product ( a diamond ring from XXXX ) for which I requested the loan with XXXX, the seller ( XXXX ) of the product didn't credit my XXXX account, once they received the product back in their stock. I then opened a " Dispute '' with XXXX, so that they would investigate and provide a resolution. XXXX 's " Dispute Policy '' states that once you file a dispute, you are NO longer to make any monthly payments that come due until they resolve the dispute. At that point, I had already paid 2-3 monthly installments on time towards the loan with XXXX. With the account in good standing I then ceased to make any further payments, until I received their resolution. XXXX 's resolution was found in my favor ; therefore, I was no longer responsible for the installment loan. My account was credited and closed, and they refunded me the payments I had made previously. 

I am currently trying to make a large purchase, so I requested my credit report from all three credit bureaus, Experian, XXXX and XXXX. Experian 's data has the XXXX installment loan listed as " Potentially Negative '' and a 30 days late listed. I tried to ask XXXX to please contact Experian and remove this incorrect data from my credit report. I tried to file a dispute with Experian and upload documentation to prove this data as inaccurate/false, but their website was unable to upload the. PDF. XXXX is not easy to contact nor speak to a live person. They didn't seem to have answers as to why they reported this negative data to Experian in the first place!
Product: Credit card or prepaid card

I received a temporary credit for dispute XXXX $ on XX/XX/XXXX charge of {$210.00} XX/XX/XXXX, I received a rebill {$210.00} when I wrote letters asking for continuing my dispute with details as best as I could describe. XXXX XXXX and XX/XX/XXXX documents said dispute continuing and waiting 90 days till merchant replies otherwise case closed Then I received three documents XX/XX/XXXX stating error made yet rebill of {$210.00} to my account I AM SO CONFUSED 1. Please chargeback {$210.00} 2. I offered compromise to pay {$70.00} ( XXXX XXXX ) for diploma fee and not accept, if accepted then I get credit of XXXX $ for everything else related to cancelled ceremony photo and gown cap and tassel 3. If merchant responded please show me response to cause you to re bill 4. As this dispute is on going, please reinstate credit so I do not get interest charge on next payment/statement # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act .The list of accounts listed below violated Federal Protected Consumer Rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX five different account same company
Product: Debt collection

The company midland credit management calls nonstop and after XXXX. They arent even on my credit report told them repeatedly to stop calling but continue anyway
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Current Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Current Address XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX Current Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Previous Address XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Previous Address XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Previous Address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Collection/Charged Off XXXX XXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX XX/XX/XXXX {$5500.00} XXXX XXXXXXXX XX/XX/XXXX {$7900.00} XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX XX/XX/XXXX {$140.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$7900.00} XXXX XXXX XXXX XX/XX/XXXX {$6200.00} Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I recently checked my credit reports and I found out some billing errors that violated the Consumer Law I attached the XXXX  file of my dispute letters that were sent to the involved Bureaus My dispute letters were ignored and nothing happens so far.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of urgent concern regarding my account with your company. It has come to my attention that there are several fraudulent items present on my account statement, and I am requesting immediate action for their removal. 

Upon reviewing my recent account statements, I noticed several transactions that I did not authorize or recognize. It is evident that my account security has been compromised, and I am deeply troubled by the presence of these unauthorized charges. 

I have taken the necessary steps to report these fraudulent transactions to your customer service department, providing all relevant information and documentation. However, despite my efforts, the fraudulent items have not been removed from my account, and I am increasingly concerned about the impact on my financial well-being. 

As a loyal customer, I expect that my account is protected against unauthorized access and fraudulent activity. The presence of these fraudulent charges not only undermines my confidence in your company 's security measures but also poses a significant inconvenience and financial risk to me. 

I urge you to prioritize the removal of these fraudulent items from my account and to take immediate steps to enhance the security of my account to prevent any further unauthorized activity. Additionally, I request regular updates on the progress of your investigation and efforts to resolve this matter. 

Please provide me with a clear timeline for the resolution of this issue and any steps I need to take to expedite the process. Furthermore, I would appreciate compensation for any fees or charges incurred as a result of these fraudulent transactions. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3100.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX.
Product: Credit card

I made a purchase with my citi credit card. The product i order was a XXXX XXXX XXXX The product i received was tampered with. This effects the value and trust worthiness of the card and value. I disputed with the merchant. They refused to response. I filed a fraud case because the cards have been tampered with. Citi credit fraud department sent corresponding through the XXXX XXXX instead of paperless like I requested. I XXXX XXXX XXXX XXXX and told them that. I have called over XXXX times as well as they have called me but with automated service asking for payment. The proof they wanted can't be obtained in just days. It has to be sent off and verified and that can take months through psa. Now they want a full XXXX dollar or ruin my credit this isn't right! They refused to work with me or verify the issue by escalating the call to proper channels. The picture i upload shows they are supposed to contact me paperless!!
Product: Credit reporting

Hello, I feel I am a victim of fraudulent charges and/or identity theft. First, there were fraudulent charges made using my debit card. Then, someone accessed my banking information and changed my username, address, and email. Next, there were fraudulent charges made on my credit card. I spoke with representative from my bank and claims department. They are currently reviewing the credit card charges. I believe this person has also set up an online presence through a social media site called XXXX and used my username with my favorite number attached to it. I 'm very concerned this person has access to all of my banking information. All of my credit cards are on hold at the moment. I need to protect my identity and credit so this person does n't move further and use more of my information. Again, I 'm very concerned and would like to monitor my credit. Thank you.
Product: Credit reporting or other personal consumer reports

Every month for the last two months I have been receiving collections calls about my payments being late or missed when they are not. I have blocked these calls and have asked several banks to contact me back to discuss as hold times are beyond ridiculous. I leave messages for the offices in XXXX and no one returns my calls. I show on my XXXX and XXXX payments are received on time and account status is good standing. I see my XXXX credit report and I show XXXX payment as late when it is not has never been late and I want this updated at once as this has dropped my score down XXXX plus points!!
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered XXXX XXXX. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all 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
Product: Credit card

I would like your assistance in resolving an issue with which I have been dealing for almost a month. This involves my now-closed Apple Master Card, issued by Goldman Sachs . 

On XX/XX/year>, I made a purchase of appliances and plumbing fixtures for a home renovation project from a previously reputable business in XXXX XXXX XXXXXXXX. Less than a month after making the purchase, the business unexpectedly closed its doors. I immediately filed a dispute with Goldman Sachs ( XXXX ). The business subsequently filed for XXXX  XXXX bankruptcy, and I submitted the notice I received to Goldman Sachs by email. The notice was issued by the United States Bankruptcy Court, XXXX XXXX XXXX XXXX XXXX and clearly indicated that my husband and I were creditors, and the Debtor was the defunct company, XXXX. 

On XX/XX/year>, I received Goldman Sachs stating the dispute was complete and the merchant charge would be removed from my account. I obviously appreciated this resolution in my favor. 

Several days later, on XX/XX/XXXX, my Apple Card was unexpectedly locked. When I called to inquire, I was told it was because one of Goldman Sachs ' employees had flagged my account because they erroneously concluded that I had filed for bankruptcy. 

I spoke to a second support person named XXXX on XX/XX/XXXX. He explained that an agent had made a mistake, and that he would create a case to escalate this problem ( # XXXX ). Eventually, my card was unlocked, and my access was restored. I received an email on XX/XX/XXXX, noting my bankruptcy inquiry had been resolved. 
Once again, I would like to reiterate that my husband and I have NEVER filed for bankruptcy, and that an inept low-level employee made a grave error in ascribing this to us. 

As you might imagine, this was extremely frustrating, especially because there was a negative balance on my account of {$19000.00}. I closed my account on XX/XX/XXXX, as soon as the card was unlocked, because I had no intention of continuing to do business with a financial organization with staff so incompetent as to not understand the basic premise of a company filing for bankruptcy. When I closed my account, I was assured by the agent the {$19000.00} would be transferred back to my account, ending in XXXX. I was told this would take between XXXX days. 

I still have not received my money. I called on XX/XX/XXXX to inquire and was told by a specialist that the dispute had NOT been resolved and there was on-going investigation. This directly contradicts the email I received on XX/XX/XXXX. He promised to escalate the matter, and yesterday, XX/XX/XXXX, I spoke to XXXX specialists who were again unable to assist me. One of them, XXXX, again asked about my supposed bankruptcy. As I was at work, taking emergency call as a surgeon, I was unable to stay on the phone with him and again hash out this matter which, according to Goldman Sachs ' email on XX/XX/XXXX, had also been resolved. 

At this point, Goldman Sachs owes me {$19000.00}. I have spoken to many of their representatives and none have been able to assist me. I have also mailed a letter to the company, detailing the above events and requesting my money.
Product: Prepaid card

This card has unlawful purchases that were not verified by me. 
This card refused to close my account. My resolution is I want this card to close my account, and send me an apology letter.
Product: Credit reporting or other personal consumer reports

At one time I THOUGHT ABOUT getting a loan to consolidate credit cards, but wasn't sure I wanted to do it. After that I was bombarded with emails & phone calls that I IGNORED as I decided not to obtain that loan. SUDDENLY, I find this company on my credit report & have no idea who it is until I do a XXXX search. I NEVER agreed to any loan or any terms or amount from ANYONE! THIS NEEDS TO BE REMOVED from my credit report. It makes it appear i have more open credit than I do.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent well over a year disputing multiple inaccuracies on my personal credit report with all 3 of the major credit bureaus to include XXXX, Equifax, and XXXX. 

I have spent large amounts of money during this time to send my dispute requests via US Certified mail because every other manner in which I have attempted to dispute would end up with constant mail tagging back and fourth or the credit bureaus stating that they never received my requests. 

To Date : There is now not only ( 1 ) but now ( 2 ) Wisconsin addresses that is displaying on my personal credit report in which I have NEVER resided or even stepped foot into the State of Wisconsin, I have made this very clear to all ( 3 ) major Bureaus by providing my valid State Issued Drivers License with each one of my dispute letters. 

There are Dated/Old Student Loan accounts that have been Paid/Closed that are appearing on my personal credit report multiple times, listed individually which is impacting my overall credit score. These loans have been consolidated with one agency and the other agencies have been paid in full. 

There are multiple items reported on my credit report as Negative that do no belong to me, and I have advised all ( 3 ) credit bureaus that my personal information was compromised through a previous employer who experienced a data breach, and also Equifax who has also experienced a data breach. These data breaches are impacting my personal credit report in a negative manner. 

Each time I initiate a dispute with the ( 3 ), major credit bureaus, it result with no changes being made to my personal credit report and no information is being provided as to how they came to this conclusion as if though they are not even taking the initiative to properly investigate my dispute claim. 

I do not work for either of the ( 3 ) major credit bureaus and I feel that if they are going to report inaccuracies on my personal credit profile, then they should at least take the time required to verify the information that they are listing on my personal credit profile using their own resources and tools, since they are apparently being PAID to list these inaccuracies on my personal credit profile. 

I am at the point where my hands are tied and I am now at the mercy of your agency to get some assistance and accurate results regarding my multiple attempts to get these issues resolved with all ( 3 ) major credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

as previously notified I am a victim of identity theft
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent items associated with my account or the activities despite multiple attempt. I believe these items are fraudulent, and I request their immediate removal and resolution. 

I trust that Credit Bureaus takes this matter seriously and will conduct a thorough investigation into the fraudulent items in question. I expect a prompt and diligent response, and I reserve the right to take further legal action if the issue remains unresolved. 

Despite my persistent and genuine efforts to rectify this issue in accordance with the Fair Credit Reporting Act ( FCRA ), these fraudulent items continue to tarnish my credit report. This situation is detrimental to my financial well-being and overall quality of life. 

Please acknowledge receipt of this complaint in writing within the specified timeframe and provide a contact person and their direct contact information for further communication. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00}.
Product: Payday loan, title loan, or personal loan

I started receiving emails from the company UPGRADE saying that I was just steps away from receiving {$3500.00}. Stating this is a reminder that we still need the following items so we can finish the final review of your loan : Bank Statement or Voided Check The problem is, I have never contacted, emailed, submitted anything online or anything, period, to UPGRADE at any time. I have enough credit and credit cards and have no need for anything of this nature. 

I called UPGRADE on XX/XX/2022, at XXXX XXXX. The representative had all my information, DOB, SSN, Address, Phone Number, and email address. I have never provided this company with any of that information. Especially my DOB or SSN. I asked how they got my information and the representative tried to put it off on me, that I must have gone online or was a member of XXXX XXXX. 

The company, UPGRADE, has obtained my personal financial information and personal identity without my permission. This is FRAUD in the making. This is an unacceptable business practice, and illegal. 

I am filing a formal complaint to you, the XXXX and the CFPB, on UPGRADE, as I want this investigated and the appropriate measures taken. This is identity theft!!