23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Acct # : XXXX, Balance : {$4900.00} and XXXX, Balance : {$9400.00} ( Disputing All five different Loans ) To Whom It May Concern : This letter is regarding account # XXXX, which you claim [ I owe {$4900.00} and {$9400.00}, which appears on my Experian, XXXX, and XXXX XXXX XXXX ] . This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation. ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Last 4 of SNN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Debt collection

My wife and I have been receiving calls from a company claiming that we have an outstanding medical bill. They said they can take payment over the phone and that a form of payment has been mailed to us. We called the doctors because we were/are not aware of any outstanding medical bills. The doctors office told us that they do not even use a collection agency and that our account is up to date and paid for. The calls from the " debt collector '' will not stop
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent account from XXXX XXXX XXXX reporting on my Equifax credit report and I submitted ; FTC report, personal statement, police report and notarized statement and Equifax never cleared the fraudulent account from my report. Its been close to 60+ days and the item has not been removed.
Product: Money transfer, virtual currency, or money service

I am making a complaint regarding my Cash App account, which has been subject to unauthorized access and significant financial loss. I was incarcerated from XX/XX/XXXX to XX/XX/year> for a probation violation. During this time somebody hacked my cash app account and spent {$6000.00}.

During my time in jail, my phone remained in my property, making it impossible for any transactions to have originated from my device. Upon my release, I discovered that someone had logged into my Cash App account and transferred the aforementioned amount in increments to three different Cash App accounts. I also noted that an unrecognized device accessed my account the day after my arrest. 

Despite my attempts to resolve this issue directly with Cash App support, I have not received any assistance. Given your role as the Financial Protection Bureau and your recent actions regarding Cash App 's security practices, I am requesting your intervention in this matter. My account details for your reference are XXXX XXXX  
Thank you for your attention to this urgent issue.
Product: Debt collection

XXXX XXXX  has been selling this collection to outside collectors. Theyve repeatedly been calling, and sending letters about this collection. XXXX has been previously asked to remove this collection from my credit report, but it remains on there and is continuing to cause damage to my report. They have since failed to remove it, and sold it to numerous collection companies who keep harassing me. XXXX failed to help me when I lost my employment due to COVID-19 and continued to charge my account late fees and interest.
Product: Debt collection

I received a debt collection letter from XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, OH. They stated that I owed XXXX an unpaid balance. After speaking with XXXX they stated they did not know about it. I have never had an account with XXXX, nor have I ever sent anything XXXX. I believe this is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are a couple of things that are incorrect on my credit report and it is affecting me negatively
Product: Credit reporting or other personal consumer reports

I am writing to dispute a late payment entry on my credit report that appears to be incorrect.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized Inquiries on my credit report that I would like removed. 
according to the FCRA, these unverified and unauthorize items must be removed. 

Late Payments ( I5 usc 1666b ) Charge offs ( usc 6802 or 15 usc 6801 ) Collections ( 15 usc 1692g / 15 usc 1692c ( c ) ) Inquiries ( 15 usc 1681b ) XXXX Last reported XX/XX/year> 2025
Product: Credit card or prepaid card

Synchrony bank continues to charge e late fees when on numerous occasions I try to pay the bill online and by phone. I have told them that online payment options are not taking the routing number so I couldnt add the banking information to the account, tried to pay as a guest and it wouldnt take my card information. Call to pay online and came across so many issues. A payment successfully went through a d three weeks later it was rejected and I was charged a late fee. I called the bank and they said there wasnt anything wrong with there routing number. I complain to Synchrony bank about this many times and still they are adding late fees. I called to talk with someone about the issues and still no help. I gave a payment over the phone and it went through it was told weeks later it was rejected and again the slap more late fees. They needs to be investigated for this because it happens all the time and they feel like if we complain to yall that nothing is going to be done. They also closed my SAMS card without my permission and they messed up my credit score. They have not fix the situation they only made things worst.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the attached investigation request to Trans Union on XX/XX/XXXX. They are supposed to respond within 30 days, but they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to
subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no
other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following accounts on my credit report as fraudulent due to identity theft. Attached is a copy of an identity theft report filed with [ Name of Law Enforcement Agency ], along with other supporting documentation. 

The fraudulent accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, you are required to block information in a consumer 's file that results from identity theft within four business days of receiving : A copy of an identity theft report.

Identification of the fraudulent information.

Proof of identity ( attached to this letter ).

I have attached the following documentation to assist in your investigation and fulfill the requirements of the FCRA : A copy of my identity theft report filed with FTC.

A copy of my government-issued ID for verification.

Proof of my current address ( e.g., a utility bill or bank statement ).

Please take immediate action to block and remove the fraudulent accounts from my credit file and provide written confirmation that the changes have been made. Additionally, I request a copy of my updated credit report reflecting the removal of the fraudulent items. 

Thank you for your prompt attention to this matter.
Product: Mortgage

We applied and received Forbearance from out Mortgage company. When we applied the presented us with two options. 1. Pay off the amount accrued during the forbearance period or 2. Roll the amount over to the end of the forbearance period. When we reached the end of the forbearance period we agreed to have the accrued amount rolled over to the end of our mortgage amount. Now the are tyring to sell the amount to another Company as a second mortgage. Can you help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Student loan

I took out XXXX student loans while completing my XXXX program at XXXX University in XXXX, AL.. however, my student loans have more than doubled what i borrowed initially. When i called XXXX to get a breakdown, ( as there was XXXX private loan i had no recollection of ) i did not get through to anyone, but when i tried again, i was provided with another number, where i left a message maybe over a year now, and no one has called me back. Whenever i call, it is quite difficult to get through to anyone.
Product: Checking or savings account

I requested Discover Bank to withdraw/close CD account as per terms of the Deposit Account Agreement, but Discover Bank denied my request.

The Deposit Account Agreement of Discover bank ( Effective XX/XX/year> version ) is currently published at their website under " Forms and Documents '' ( https : //www.discover.com/XXXX XXXX. Section XXXX of the Deposit Account Agreement states that " Early Withdrawal Penalties For New CDs : Beginning on the XXXX day after your CD is opened and funded and for the next XXXX calendar days, we will deduct each days simple interest on the Issue Amount withdrawn from the funding date to the date of withdrawal. ".

As per the above terms, I reached out to customer service on phone and via their secure message facility to withdraw/close CD on XXXX day of opening and funding the CD. However, customer service personnel responded to me that CD can be withdrawn only after 60 days as per their " internal policy ''. They verbally agreed to waive any penalties if I call after 60 days, however I insist that they honor Deposit Account Agreement and allow withdrawal/closure immediately.
Product: Money transfer, virtual currency, or money service

On XXXX XXXXXXXX  I called Coinbase to lock my account because I suspected a hacker was trying to get into my funds on Coinbase, to be on the safe side I changed my phone number, I reach out too Coinbase to update my number, and its been hail ever since then it is now XX/XX/XXXX  giving me a hard time to reopen that account, everything they have asked me to do as far as send in a photo ID video ID phone calls, emails, I decided to open up a new account and lock it just to see if I was gon na have a hard time to reopen that account, and I had no problems opening up the second account because theres no money in the second account. All my money is in the first account, so Coinbase stated to me that they would review both accounts and they would help me out to open up My first account back up. but they lied. They have done nothing, may account is in review now but I have read people who account that are in review for a year i tried calling them. I tried emailing them and its always a song and a dance. Coinbase is the most fraudulent app out here and people need to be aware. I would like to get my money out of that account and Coinbase will never have to worry about me again. This has been a frustrating year please please help.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles 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 was unfeasible. 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Payday loan, title loan, or personal loan

I took out a loan from payoff.com In XX/XX/XXXX I have since made 26 monthly payments up until XX/XX/XXXX when I was laid off due to Covid. I was unable to return to my job due to the nature of my employment it is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I reached out to pay off an attempt to square my account to make sure they werent any delinquencies even in the face of my financial turmoil due to the worldwide pandemic. They did offer to delay payments without any affect on my credit, as mandated by the government however, they have since tacked on Absorbent interest charges, And refused to provide any concession in the loan terms with consideration to worldwide pandemic. Since the inception of my loan I have made a total of {$14000.00} In payments on a {$25000.00} loan to date, i currently owe {$20000.00} and no one at the company wants to help me. Their employees are rude and give you the runaround and deflect offering information as if this were a normal circumstance and not a global pandemic. I would like to formally submit a complaint About this company because I feel as though this is predatory lending
Product: Credit reporting or other personal consumer reports

This information is erroneous and is liable for misinformation. Equifax and XXXX XXXX are reporting information that is not been certifiable by a notary.
Product: Mortgage

From the beginning of this loan process, no one would reply to us about the documents needed until our realtor called and spoke to a supervisor. Then they sent documents we needed. Less than a week before closing they called again saying our file is cleared and we just need about 3 more documents and if we had them all in by Monday we could close on time on Thursday. We had all our documents in on Sunday and Monday at XXXX we were contacted saying they are still working on clearing our file. Now they are saying our move in date wont be until Friday which they still havent contacted us or sent a CD in order to even close on time Friday.
Product: Debt collection

I have not been to the hospital in 6-8 years. I have always insurance during and before that time frame. I have no knowledge of this debt and was never notified I owed any debts. I've never received a letter or call in regards to any debt in this amount. This debt was placed on my credit before sending me any type of notification or itemized bill. This debt was reported to my credit on XX/XX/22 by XXXX XXXX XXXX. The Original Creditor is listed as XXXXXXXX XXXX XXXX in the amount of {$1200.00}. I disputed this debt with the XXXX but the debt remains on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

i submitted disputes with Equifax and they are either not carrying out the investigation or not sending me the results i submitted a 3 dispute with the CFPB on XX/XX/2020 its XXXX/XXXX/2020 still no results the responded through the CFPB website saying they are carrying out and investigation still no response it has exceeded the 30 days required by law if you look in your system it has exceeded the 30 days required since i submitted through you the CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute Account Name XXXXXXXX XXXX with TRANS UNION LLC XXXX and XXXX for over a year of back and forth disputes to remove this off my credit report. This has cause so much frustration and stress especially over the pandemic and I am now ready to take legal action as I have the evidence to prove that the credit bureau are doing nothing to help remove this collection that does not belong to me off my credit. 

I previously requested that you provide original contracts for the items that I previously disputed that are listed above. I have reason to believe they have illegal collection fees not explicitly agreed to or expressed in my original contract with the original merchant. 

Please DELETE any accounts that you can not provide the original contracts for that show the lawful collection fee amount I asked full validate the reported information below and remove anything that you can not provide signed, original contracts for that correlates to the accounts in question. I asked for this back in XXXX and you still have not provided this information which I was going to use in court. Now this this affected me finding a place to live I am going to everything I can to ensure this is fixed even if I have to take the above credit bureau mentioned. I will again include the signatures of the people involved in the initial cases. 

I request and demand once again with the CFPB that this account is removed off my credit report. 

you must delete the items from my credit report. You are required to do this under the FCRA 609/611 provisions. Also, I would like an updated copy of my credit report once this investigation is complete. 

I am under a lot of stress dealing with this for so many months. I ask that you please review my case carefully and understand that I am looking for a resolution where this account is deleted.
Product: Credit reporting or other personal consumer reports

TransUnion has violated 12 CFR 1006 by alleging to have investigated collection accounts, bankruptcies, and charge off accounts reporting to my credit report I have disputed accounts from 2012 to current with little to no success. Transunion has locked me out of my online account denying me access to check my credit or initiate disputes at this time. This was done in retaliation to my numerous disputes for the same accounts as TransUnion refused to remove the inaccurate data claiming the investigated and the alleged creditors verified the accounts. I then requested in writing to provide with the details the creditors provided to them and was told I wasn't privy to that information even after requesting in writing. Transunion alleged to have investigated the disputes but after researching I found out they use various electronic systems one named e-oscar. Whereas creditors do not have to provide any physical documentation regarding the disputed data.
Product: Debt collection

It is a medical bill that was not my responsibility to pay, my company I work for had to pay it and didn't. the account is from AARRGON AGENCY INC balance of {$38000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX This is another account that my company had to pay along with the aforementioned. 
XXXX XXXX balance of {$1900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint regarding inaccurate and unauthorized hard inquiries on my credit report. Despite my previous attempts to resolve this issue, including a dispute with the credit bureau, the inquiries in question remain on my report. 
Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Description of the Problem : - I have identified several unauthorized hard inquiries on my credit report. 
- I contacted the companies listed as having performed these inquiries, and they confirmed that they do not have any record of performing these inquiries and do not recognize me as a customer. 
- As a result, these inquiries are negatively affecting my credit score.

7. Legal Basis violation the credit bureau To the FCRA : - Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report.

- The relevant sections include : - Section 611 ( 15 U.S.C. 1681i ) : Credit bureaus must investigate disputes filed by consumers.

- Section 609 ( 15 U.S.C. 1681g ) : Consumers have the right to access information in their credit reports.

- Section 604 ( 15 U.S.C. 1681b ) : Regulates the circumstances under which a credit bureau can furnish a credit report.
Product: Debt collection

Received an email from Resurgent Capital Services trying to collect on a debt owned by LVNV which purchased debt from Original Creditor. Email received every other day by Resurgent. From XXXX I have XXXX emails from a XXXX, trying to collect this debt that still hasn't been validated or verified by Resurgent.

Resurgent/LNVN violates the, " XXXX in XXXX '' debt collection rule, which states that the debt collector may not contact you more than seven times within 7 days trying to collect a debt. Harassment tactics.