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

Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. To positively prove an account is yours, the creditor must provide the Credit Bureau a copy of the original creditors documentation ( whatever you filled out and signed upon opening the account with the reporting creditor ).

Transunion and XXXX has failed to validate debts ... the accounts were indeed settled with original creditors ...

Transunion Accounts XXXX XXXX XXXX Opened XX/XX/XXXX {$270.00} Original creditor : XXXX XXXX XXXX XXXX Credit Protection OpenedXX/XX/XXXX {$250.00} Original creditor : XXXX XXXX XXXX XXXX   Accounts Credit Protection Opened XX/XX/XXXX {$250.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$270.00} Original creditor : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Accounts and Inquiries On Credit Report. 


XXXX XXXX XXXX XXXX XXXX$1300.00} XXXX. XXXX {$6200.00} XXXX. XXXX XXXX {$4000.00} XXXX. XXXX XXXX XXXX {$520.00} XXXX. XXXX {$280.00}
Product: Credit reporting or other personal consumer reports

Jefferson capital systems LLC won't cease contacting me after I ask Ask them to cease all contact per 15usc 1692 c
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th 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, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX I sent Southwest Credit Systems a certified letter asking them to validate the debt they are alleging I owe. I asked for them to provide me with the agreement with their client that grants them the authority to collect the alleged debt, the agreement that bears the signature of the alleged debtor stating they agreed to pay the creditor, name and address of the alleged debtor, amount of alleged debt, verification that the debt was assigned to a debt collector as well as many other specific requests for validation and not verification. 

Per USPS tracking number XXXX they received this request on XX/XX/XXXX.  On XX/XX/XXXX I received a letter in the mail from the company stating they verified the debt and that is was due. They attached a bill from the phone company and none of the requested information I has asked for. 

I replied to their letter asking again for them to provide me with validation that the debt was mine. This letter was received on XX/XX/XXXX per USPS tracking number XXXX. In the second letter I asked that they delete the debt from the credit agencies ( XXXX, XXXX & XXXX ) because they had failed to provide validation that the alleged debt was mine. 

I got a second letter from the company stating that the debt was mine and due as well as more phone bills showing the alleged debt. None of the information they provided was actual validation of the alleged debt. They failed to provide any information which proves the debt belongs to me.
Product: Money transfer, virtual currency, or money service

I want to formally express my concerns regarding Zelle handling of the particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform despite using Zelle, numerous of times, and reporting problems, my financial Institute failed To investigate my claims properly.
Product: Debt collection

called company and they were very rude ... ... debt is not mines ... ...
Product: Credit card or prepaid card

On XX/XX/2018, I submitted to CFPB my complaint against Citibank about a Visa credit card charge dispute resolution. Citibank responded by letter of XX/XX/2018, denying my request. XXXX XXXX of the " Executive Response Unit '' gave the same reasons as in the previous denial, which reveals that he failed to independently review the factual documents I submitted and simply adopted the previous flawed decision which falsely stated that I failed to timely submit factual information and relied solely on the information submitted by the merchant. On XX/XX/2018, I sent a Certified Mail letter to Mr. XXXX containing my demand for certain information/documents in order to consider proceeding with a claim against Citibank for breach of the credit card contract. Therein, I requested a copy of the XXXX Citibank Consumer Agreement pertaining to dispute resolution of contested charges and Citibank 's policy on handling these disputes. Mr. XXXX and Citibank have ignored this request for documents and information. I, therefore, request the assistance of CFPB in submitting my current complaint to Citibank seeking this information.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

I made a balance transfer of approximately {$6300.00} to my PNC XXXX XXXX card using a PNC balance transfer check. The balance transfer offered 0 % APR through the XXXX XXXX billing. When I received my XXXX XXXX statement, I noticed an interest charge of {$72.00}. I called customer service for an explanation and was told that the 0 % balance transfer offer had expired for the check I used. Upon examination of the balance transfer checks used, I noticed an expiration date was NOT posted on the checks. Information on the page that the checks were printed on stated that the balance transfer checks were only good for 90 days after opening the account, therefore the interest charges were correctly applied. 
My complaint is that most, if not all banks, clearly state the date for which the balance transfer checks are good on the face of the check. PNC did NOT include an expiration date on the face of the balance transfer checks making it much more difficult for the customer to realize when the checks expire. 
So in total, I paid PNC bank {$310.00} ( {$240.00} balance transfer fee + {$73.00} interest ) for the " privilege '' of transferring to a high rate 13 % PNC card. I was now forced to pay off the {$6600.00} balance due to the high PNC 13 % interest. Basically I paid PNC {$310.00} for no good reason. 
I wrote a complaint letter to PNC and a customer service representative contacted me at the end of XXXX XXXX stating that they did receive my letter. About a week later I placed a call to the representative and left a message requesting an update on the status of my complaint. As of this date, I have not received a call back nor a resolution.
Product: Credit reporting or other personal consumer reports

I am REWRITING to complaint to NATIONSTAR/MR COOPER about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/year>. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Debt collection

On or about XX/XX/XXXX, and then again on or about XX/XX/XXXX, the child support enforcement agency contacted me about an alleged debt. These debts are in excess of {$30000.00} to date and counting. I have contacted them on numerous occasions in reference to this issue with no resolution as of yet. Attached you can see the efforts I made in good faith to relieve this issue.
Product: Credit card

I have been making payments when I can and made a payment on XX/XX/XXXX {$40.00}, XX/XX/XXXX {$69.00}, and XX/XX/XXXX for {$69.00}. As of XX/XX/XXXX, Comenity Bank ( XXXX XXXXXXXX XXXX XXXX ), has been calling me from a Restricted number from XXXX until almost XXXX at least 4 times a day, also sending texts and emails to me everyday, to this present day, and actually called me on a Sunday, and after XXXX XXXX  also. I have received 61 calls alone just in the past 3 months. I am being harassed by them constantly. I have print outs and saved emails and texts.
Product: Debt collection

My XXXX XXXX XXXX XXXX line was closed because some one made a false payment on my account and it bounce XXXX XXXX never called me or let me made it better. However this is not why I didnt pay I didnt pay it because XXXX XXXX reversed the charges from XXXX XXXX XXXX XXXX and now Im in collection for them and then XXXX XXXX sold my account off to a debit buyer they never contact me but hired attorney to sue me for something that is not there. Im not paying this twice and right now thats what they want to pay it twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

id theft victim chapter XXXX bankruptcy. fraud account professional debt me XXXX   XXXX  XXXX  XXXX XXXX {$6300.00} XXXX XXXX XXXX. not my account. fraud account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that XXXX XXXX XXXX payment history is inaccurate information on my credit report. I am requesting that you deleted this account off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the course of the last week, my credit score dropped 66 points on Equifax. The drop in credit score appears coincident with the payoff of a car I financed. I spoke at length to a representative at Equifax. He told me that the score dropped as a function of paying off the car. I was shocked to hear that meeting the obligation of a financial arrangement would have a negative effect on my credit. I asked for a letter to confirm our conversation and he refused. 

It appears the credit bureau industry is not about assessing creditworthiness as much as rewarding those who go into debt with an incentive to increase their debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently checked my credit report and notice fraudulent accounts on it that I did not open. I filed an identity theft report that I will attach to this message. Please delete these accounts from my credit report. I did not authorize them or open them. Thank you.
Product: Debt collection

I have been disputing this account with Wells Fargo from my credit report for some time now. I have sent them a letter requesting validation of this debt and sufficient proof on how they gathered that this account belongs to me and have never received a response back. Here is the tracking XXXX XXXX XXXX XXXX XXXX. The tracking proves that they received my dispute but never responded. It is illegal for them to report inaccurate information let alone any accounts on a consumers report without providing valid proof that the account belongs to them. It is also illegal to ignore a dispute request per the consumer laws. I demand that this account is deleted from my credit reports now!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have witness several inquiries on my credit report from XXXX, XXXX, and Equifax that were not created or authorized by myself. I have contacted each reporting bureau on XX/XX/2022 and shared my concerns. I have also placed a freeze on my credit report to stop further fraud opportunities. I was informed from an XXXX to create an FTC report and contact each company. I have contacted each company and all has refused to assist me with deleting these false inquiries. I will list the companies below XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, LXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  To, XXXX XXXX XXXX XXXX
Product: Debt collection

When this account was opened, I was a minor child at the age of XXXX XXXX XXXX. The accounts listed does not belong to me and are a result of identity theft. I have shown proof of my identity and that I was a minor child at the time the accounts were opened and the companies failed to investigate and see that I was a minor and could not have opened these accounts. They are refusing to remove collection accounts that do not belong to me. I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the FCRA, I request that LexisNexis immediately notify XXXX of the folllowing : That the bankruptcy Item XXXX is deleted from my LexisNexis file. And to provide me with a copy of said communication. Under the FCRA, I have the right to : - Request that LexisNexis furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by him who has received a LexisNexis consumer report for employment purposes within the past two years, or received a LexisNexis consumer report for any other purpose in the past six months ( twelve months for residents of Colorado, Maryland, and New York ).
Product: Debt collection

In XX/XX/2023, I received a debt collector statement dated XXXX. This was sent to an incorrect address. This incorrect address was never provided to the original creditor. The original creditor was provided with the correct address when contacted for medical records. No attempts were made to send medical debt to the correct address despite being provided with it. 

I contacted Medicredit on XXXX requesting an itemized statement and reported that we had not received ANY notification of the original debt from the original creditor. I also provided a correct address for their records. 

On XXXX, I contacted Medicredit to request an itemized statement again. XXXX stated her system showed an itemized statement was sent on XXXX and XXXX. I told her nothing was ever received. I reported I only received the original statement dated XXXX and a reduction settlement offer dated XXXX. XXXX stated they were not allowed to send another itemized statement. I reported that I never receive ANY notification from the original creditor of this debt, and never received the itemized statements her system reported.
Product: Credit card or prepaid card

This situation involves a XXXX painting company what I hired last XXXX ( XXXX ) to do some interior painting in my home, and a disputed amount of {$1600.00} that they charged on my credit card without my permission, and without finishing the job. I am in a dispute with Chase, who has messaged me that they are ruling in favor of the painting company ... who in my opinion very clearly committed fraud. I agreed to have the company take a 1/3 payment for the job through my credit card. After the company worked in my home for 1-1/2 days, I let them go ( it was Chase 's suggestion that I do this, as I had a conversation with one of their representatives over the phone ) ... due to issues that were unresolved with regard to quality of work and professional behavior of painters. Unfortunately I forgot to call my credit card company to protect me, and the very next day after I let them go via email, the painting company ( XXXX XXXX XXXX ) charged my card for the full remaining 2/3 of the original job ( on XX/XX/XXXX I was charged {$1600.00} ) ... even though a large portion of the job was not complete, and I never signed off and gave them permission to charge anything. The company made NO attempt to settle this situation, and I took their action of charging my account without my permission as a clear message that they were not willing to satisfy me in any way. 

After providing Chase with multiple photos, a receipt from another independent painter that I hired to fix the poor work, and complete the work that was never done, as well as a letter from the same painter stating his view of the situation ( which Chase requested of me ), I received a letter from Chase that they were still not changing their decision to rule in favor of the painting company. 

I have no reason to lie about any of this, and I have excellent credit and no history of any other disputes ( other than a vacation package scam ). I have no criminal record, and have never been in trouble with the law. I am only guilty of being very upset over the phone when the Chase has been difficult to deal with. But being upset over the phone in no way makes me a liar, or someone who is trying to get out of paying their bills. In this case, the painting company clearly committed fraud, and Chase does not seem to care. It appears that the painting company has dealt with complaints before, and maybe has a lawyer who is threatening them. I do not know what else to assume in this situation, but I do know, and would swear in a court of law, that I am not in the wrong in this situation.
Product: Debt collection

Company has called me habitually and I have told them that I can not commit to a payment plan and they refuse to take my card over the phone unless I set up a payment plan. I highly dislike the fact that I have to send checks to them as they will cash them, but they will not let me just call and give them my debit card over the phone. When I send the checks they take over a month to process and cash. This is a horrible practice as I want to givre them money and I'm giving them what I can and they are not accepting my money as I cant financially commit at this time. If they are collections, they need to take the money that someone is attemting to pay. You cant tell someone they will take your money only if you can set up payments. If im calling to send you even XXXX dollars, you should accept it as I am trying to pay something.
Product: Checking or savings account

The dates in which I had multiple overdraft fees date consecutively within the past 5 years. I had also seen multiple withdrawals that later did not concur to my remaining account balance. Overdraft fees of {$30.00} and $ XXXX missing. There were times when they would make the deposit and then make withdrawals where the account balance would purposefully cause overdraft fees.
Product: Credit reporting or other personal consumer reports

I opened account with Specialized Loan Servicing in XX/XX/XXXX and refinanced it in XX/XX/XXXX for no reason they are reporting a 90 day late on my credit report on XX/XX/XXXX. I couldn't have been late and refinanced and I have documentation showing all of those payments are made and the person I spoke with on the phone admitted no payments were missed but the late remains on my credit bureau. After I refinanced it and pulled more money out they started a new account and sold my account to NR/SMS/CAL on XX/XX/XXXX and call it a merger. When they did this merger I was unable to log into their online site to pay my bill that month and when an account is transferred like this they are not supposed to report late payments because of issues like this. I was out of the country and only had access online and was unable to utilize their online services. They reported another 30 day late which is stopping me from being able to refinance this account. I need CFPB to aid in removing these lates from my credit bureau so I can get away from this company and their incorrect reporting issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my file. ive noticed alot of errors that need to be cleared. review an remove all listed data to help clear my file asap.
Product: Money transfers

For CFPB & PayPal Inc, Thank you for deciding to read this message to help me out in regards to a indefinite suspension which was Issued on my servicing account with PayPal. 

On XXXX XXXX, PayPal decided to manually overview my account and believed it was best to finalize my partnership. This was due to a possible violation which may have happened on my account. The permanent restriction was placed on my account causing {$1000.00} to be held at my expense. 

The concern was that I was believed to infringe the rights of copyright holders when processing my sales with PayPal. After contacting agents to overlook the decision by phone and email, my request was denied. 

The reason being is that the items I sell are not fake. They are legally obtained through liquidations. I have been selling for over 5 years now, never having a problem with any brand owners regarding copyright infringement. We have now started drop shipping from our exporter for Almost two years with PayPal, coming to around XXXX satisfied eBay customers due to our exporters expertise in shipping within handling time, while providing items that are known for there authenticity. 

As a last reminder, please note that we have never had to a case opened under the counterfeit category with PayPal. This assures that we as a business never had any related " counterfeit '' problems with PayPal until this indefinite restriction came in place. 
Thank you, XXXX XXXX