23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Several of my credit cards have been comprised and charged without my consent. from a game called slots of XXXX free slots through goggle play under a email address XXXXXXXXXXXX XXXX This is an email that I rarely use but for some reason my credit card information have been save under goggle play without my knowledge. Although I have changed my password on numerous occasion. I still get security alerts abut someone accessing my account XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. on XXXX/XXXX/XXXX I received notification by goggle that someone has my password. Yet goggle have not taken any security measure to avoid someone charging my account. 
XXXX XXXX XXXX XXXX ending in XXXX XXXX {$2.00} XXXX/XXXX/XXXX {$53.00}. Transaction of {$7.00}, {$7.00}, XXXX {$7.00}, {$0.00}, {$0.00}, {$19.00} XXXX {$61.00} {$29.00}, XXXX, XXXX XXXX/XXXX/XXXX {$29.00} XXXX/XXXX/XXXX {$19.00} XXXX/XXXX/XXXX {$270.00} XXXX, XXXX XXXX/XXXX/XXXX {$8.00} {$7.00}, XXXX, XXXX/XXXX/XXXX $ XXXX {$60.00} {$29.00}, {$29.00}, {$0.00} XXXX/XXXX/XXXX {$29.00} XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$69.00} transaction {$7.00}, {$7.00}, {$29.00}, {$7.00}, {$7.00}, {$7.00}. 
XXXX/XXXX/XXXX {$360.00} Transaction {$2.00}, {$19.00}, XXXX/XXXX/XXXX {$41.00} XXXX/XXXX/XXXX {$72.00} XXXX XXXX Ending XXXX {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act 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 or other personal consumer reports

My account with ( XXXX XXXX XXXX, XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$17.00} XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX : {$40000.00}
Product: Credit card

To buy a mattress, I opened an account with Synchrony Bank with an initial purchase of {$940.00} with the promise that it was a 0 % interest with 12 equal payments. That would be $ XXXX/mo. However, when I received the statement, it showed the minimum monthly payment as {$34.00}. If you read the fine print on the back, it appears that if I pay only $ XXXX/mo that I will be charged 29.99 % interest. Nowhere is shown the {$79.00} payment which would be required to avoid the exorbitant interest. This is very misleading and is, I believe, an unfair trade practice.
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 issues with the platform. Despise 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX this complaint. The stuff on my credit report is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a medical collection with ARS that was reporting on XXXX and XXXX  and requested validation under the guidelines set forth by the FDCPA, Texas Finance Code and HIPAA. ARS responded but did not send any documentation to support their claim that I owe the amount reported. A demand for removal was sent to ARS and they received it on XX/XX/2021. However, instead of removing it as they should have per federal and state law, they opted to report the disputed account to XXXX. This act has severely damaged my credit reporting and is concerning since each account newly reported was in dispute. I have attached documentation to show that the dispute had not been resolved and this act may have possibly violated several consumer protection laws.
Product: Debt collection

Hello the amount I owe to Hunter XXXX is what I am disputing. I shouldnt have to pay the full amount of {$5900.00}. I only owed the last month rent which was {$1300.00}, I believe that is a fair amount that I should owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hi, I have recently closed my Wells Fargo Account after being a member with them since XXXX. The reason being is because on several occasion I have been a victim of fraud and they have not ever paid me back for all the occasions in which I complained. I want to know if Im eligible to receive my money back for the times I was taken advantage of.
Product: Credit card

I had XXXX accounts with Navy Federal Credit Union. They have added XXXX to my credit reports under different account numbers. They have also re-aged these accounts.
Product: Credit reporting or other personal consumer reports

I found inaccuracies in my credit report showing late payments that arent reflective of my actual payment record. Please correct and update.
Product: Debt collection

Writing in regrads to a debt that was paid to National Credit Systems. on XX/XX/2018 i contacted National Credit Systems Inc and spoke with XXXX XXXX at XXXX a collection representative. we discussed a settlement offer and the payment, the debt was paid and received a letter via email that the debt was satisfied in full with National Credit Systems but yet as of XX/XX/18 my credit report has only been updated to reflect a balance owed of {$950.00}. attached to this complaint will be a letter stating that the debt is satisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau Experian  Both so much red tape. 
Experian has no way to talk to a real person yet they are allowed control of my personal credit record. 
No way to fix login. Account locked and no support. 

Called Consumer Financial Protection Bureau and their process so complex, tangled with bureaucratic red tape it's as impractical and inefficient. All about XXXX and frustrating to whom it, I suppose, is suppose to serve. 

XXXX XXXX XXXX XXXX XXXX XXXX designed to frustrate, pester and deny connection to a live person! 

I have no confidence in Any Organization, especially US Government or entities under it's control. 

PUBLISH THIS AS I'VE CHECKED THE BOX BELOW.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to DELETE the inquiries in my report and found that I need to visit https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to REMOVE and block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XX/XX/XXXX
Product: Debt collection

Original company was pioneer funding. Collection was opened XX/XX/2020. As of today it shows a balance of XXXX and opened. That is in error which it has been closed since XX/XX/2020. I've tried to get them to verify the debt with my signature and they can never send me anything with it on there. Please update and if they can't verify please delete.
Product: Credit reporting or other personal consumer reports

I have submitted the required documents to Wells Fargo on three occasions and they have yet to correct the matter. As I have no account with you or any contractual agreement, I demand the following information : 1 ) Provide evidence of your authorization under 15 USC 1692 ( E ), 15 USC 1692 ( F ), and USC 1692 ( G ) in this alleged matter.

2 ) What is your authorization of law for your collection of information?

3 ) What is your authorization of law for your collection of this alleged debt?

4 ) Provide evidence of your authorization to do business or operate in the state.

5 ) Provide proof of the alleged debt, specifically the alleged contract or other instrument bearing my wet signature. 

You have 10 days to respond to this notice. Failure to do so will be deemed as a waiver of any claims in this matter and will be considered to have permanently closed this issue. 

Your continued silence is unacceptable. Provide proof or correct the record to remove the invalid debt from my credit files. Failure to respond within 10 days will prompt a small claims action against your company, seeking {$5000.00} in damages for defamation, negligent enablement of identity fraud, and violation of the Fair Credit Reporting Act. 

The FTC, XXXX, AG, and CFPB will be notified regarding this alleged debt. Cease all indirect communication of this debt immediately. 

Thank you for your attention to this matter. All stated facts are true to the best of my knowledge and made in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraud inquires that are listed on my credit report. My purse was snatched with all of my identification information in it. I have completed a police report & an FTC report and sent to you, but nothing has been updated. I am asking that this information be deleted.
Product: Debt collection

XXXX XXXX XXXX XXXX has made a charge for a service which it did not render for me, the patient. A charge of {$500.00} was applied to my account for XXXX storage on XX/XX/XXXX by XXXX XXXX XXXX with a Diagnosis code of XXXX. This charge was mistakenly applied to a service not rendered. 
The initial freezing and first year of storage occurred on XX/XX/XXXX and I paid {$300.00} for both. The next year I chose to transfer the vials to a new facility. XXXX XXXX facilitated the transfer on XX/XX/XXXX. She assured me that because it was within the same week of the first years expiration date, that I would not be charged. She said that I XXXX receive a couple bills until the charge was cleared, but to call if that didnt happen after 2 months. 
After receiving a bill on XX/XX/XXXX, I began calling XXXX XXXX, business office, to dispute this charge. I called and left messages on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. She never returned my calls. I also called XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, and they were also unable to resolve this issue. On XX/XX/XXXX, this bill was sent to the collection agency XXXX XXXX. 
I have been called by XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. I called them back on XX/XX/XXXX to discuss the charge and tell them I am disputing it. I have also submitted a form on their website saying that I dispute the charge on XX/XX/XXXX. 
In the afternoon of XX/XX/XXXX XXXX XXXX did return my call and assured me she would expedite cancelling the charge and it would be resolved in 8 business days. I sent the attached letter and supporting documents to XXXX XXXX XXXX XXXX XXXX XXXX XXXX to document my dispute.
Product: Debt collection

A collection agency called Sunrise Credit Services flagged my account on XXXX credit report on XX/XX/2024 stating that I supposedly owe {$1800.00} to an electricity utility company ( XXXX XXXX ). The account is not mine and the name they have on file is not my name. I called the electricity company on XX/XX/XXXX and XX/XX/2024 and they could not find anything on file with the information I provided to them. This collection agency never sent any official document, they just placed a collection on my credit report. 

I called the collection agency as soon as I got the notification from XXXX that my account had been flagged on XX/XX/2024 and also called them again on XX/XX/2024 and the people I spoke to were very verbally aggressive. They didn't want to provide me a validation letter of the debt. They asked for personal information, which unfortunately I made the mistake of providing them with my SSN. I read online that this company is known for this shady type of business and they have been doing that for a while. I already disputed the collection with XXXX. This company wants to make me pay for a debt that is not mine. My biggest concern is that I provided them my SSN. I froze my credit with XXXX, XXXX, and transunion. Any help would be appreciated.
Product: Payday loan, title loan, personal loan, or advance loan

One Main Financial didn't give me a proper arbitrary case before the repossession which was agreed on in the terms and conditions once I looked back at the arbitrary agreements they didn't give me the right due course for this matter at hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello as of XX/XX/2020 i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, XXXX and Transunion I discovered multiple accounts of which i have no knowledge of. 

These accounts are fraudulent and I would like to report this incident. 
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with XXXX XXXX XXXX about this incident. 

I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. 

This incident happened XXXX at my previous home. My truck was parked at when it was broken into. 
To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. 

Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 
PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY THE XXXX XXXX Account Number XXXX Balance {$3900.00} Address XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX Phone Number ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter on XX/XX/2020 disputing the negative item on my report. I still haven't received a response and it has been well over the 30 days given by the Fair credit reporting act for re-investigation. I sent out another certified letter on XX/XX/2020 because I wanted to know the progress of my investigation. It is now XX/XX/2020 and it is well over 60 days. This is a direct violation of my rights and action has to be taken so that the incorrect information on my report is removed.
Product: Debt collection

the information is on my credit report as. debt collection CCMR3 Last reported XX/XX/year> {$20000.00} Open balance
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.