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

Ive contacting the credit bureaus Experian, XXXX  and XXXX XXXX for a long time now about the account named XXXX. I have contacted XXXX personally asked for validation of the account they are reporting to the credit bureaus. On or around XX/XX/2021 this account was removed from my XXXX XXXX account for lack of verification but for some reason Experian and XXXX  repot keep lying stated that they have open an investigation but they don't give me any information far proof of what company XXXX has given them that's validated proof clearly this direct violation of 15 USC 1692 and should be handle immediately. 

Also XXXX  has responded to my complaint via post card this also a direct violation of my right to privacy stated in 15 USC 1692. 

there are also hard injuries that I have called XXXX  about in which they lie and act like they don't have information to verify me on file. 

they won't remove address, names and hard inquiries that do not belong to be I will list them below. 

Experian had no problem most address but they too will not remove an address that does not belong to me attached is proof of the incorrect information and proof of my identity
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's approach to handling disputes, especially in light of the recent CFPB lawsuit that has exposed critical issues with the platform. Despite frequent use of Zelle and promptly reporting discrepancies, both my financial institution and Zelle failed to conduct a thorough investigation of my claims. I was informed that recovering lost funds was deemed impossible and that tracing these transactions was not feasible. The CFPB 's findings reveal that Zelle has not only failed to adequately protect consumers but has also allowed repeat offenders to exploit the system, leaving users highly vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get a collection account removed from my report. I have filed 2 different disputes with XXXX for the same account and they do an " investigation '' which takes maybe a week or 2, and both times they come back saying that the account/balance is valid. I have sent them copies of the cashed check from my bank that the collector cashed and stamped with their name and address, and XXXX   REFUSES to update my credit report to reflect that information ACCURATELY. They are still showing that I owe them money when I don't and they have seen the checks that prove it!
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence of Engelhardt. V Gravens ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exist. ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX XXXX XXXX balance {$1000.00}, XXXX XXXX XXXX XXXX Balance {$5800.00}, XXXX XXXX balance {$1500.00}, XXXX XXXX XXXX {$310.00}, XXXX XXXX XXXX Balance {$11000.00}.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2024 but I never received a response from them. These accounts must be corrected in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX  XXXX XXXX Balance Owed : {$970.00} XXXX XXXX XXXX  XXXX Balance Owed : {$3700.00} XXXX XXXXXXXX XXXX Balance : Owed : {$57000.00} XXXX XXXXXXXX XXXX Balance : Owed : {$11000.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance : {$79000.00} XXXX XXXXXXXX XXXX Balance Owed : {$970.00} XXXX XXXXXXXX XXXX Balance Owed : {$57000.00} XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3700.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$79000.00} XXXX XXXX XXXX Balance Owed : {$970.00} XXXX XXXXXXXX XXXX Balance Owed : {$57000.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$10000.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

On Thursday XXXX XXXX, 2016 I received a call on my cell phone at XXXX from number XXXX. I answered the phone and the party on the other side said hey it 's XXXX. I replied stating who, he said again this is XXXX from Alpine Credit, I asked what the call was in relation to and he said he had a few bills in his hands. I asked him for who as I am not aware of Alpine Credit. He said I have a few medical bills here for XXXX XXXX that need to get paid. I asked again who are the bills for he said you I think yea you XXXX XXXX. I let him know I am not aware of any relationship to this company and to please send me a copy of the billing so I can look into this. He asked if I was at an old address still from 7 years ago that raised more concern. I looked up the firm on the Colorado site and they had no current license so I called the state attorney general 's office and XXXX had informed me that they use Alpine Credit Inc, but are now part of XXXX now. 

On XXXX XXXX, in the mail I received a letter stating this is my debt validation with a crudely crafted print out of some billing amounts and a card attached from XXXX. I have sent as of XXXX XXXX, 2016 the letter with copies of the items they sent requesting a clear and concise list of items to verify this debt and the ability they have to collect bearing any signature guarantee on my part.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an item on my credit report from XXXX that is not mine. It's called Systematic National Co. dated XX/XX/15. I suspect that it was my daughter, who did this. She moved back in with me in XX/XX/2015 with her shady boyfriend. It was investigated by XXXX   and they found it to be accurate. I am a victim of identity theft or fraud. Can you help? 
Report # XXXX.
Product: Student loan

I agreed to {$190.00} per month and now it has increased to {$290.00} through Navient because of an error on their part.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concerns regarding the recent activity associated with my account. Specifically, I would like to address the investigation process and the lack of notification about the results. 

It has come to my attention that no real investigation was conducted into my dispute. Under the Fair Credit Reporting Act ( FCRA ), it is mandated that all credit reporting agencies must ensure the accuracy and completeness of the information they report. This includes conducting a thorough and reasonable investigation upon receiving a dispute from a consumer. As part of this process, the results of the investigation must be communicated to the consumer in a timely manner. Unfortunately, I have not been notified of any findings or conclusions from such an investigation. 

Furthermore, according to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must ensure that all information provided about a debt is 100 % accurate and must verify the debt upon request. Any failure to do so is a violation of my rights under these federal laws.

Given these circumstances, I am requesting a comprehensive review of my dispute, ensuring full compliance with the FCRA and FDCPA. I also request that all findings be promptly communicated to me, along with any supporting documentation that verifies the accuracy of the information reported on my account.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitute a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.

This item found within my credit reports is not related to any transaction that I made. I am alleging that a person or company, without my authorization, used my personal identifying information to apply for goods, services, or money and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me significant distress and defamation of my character.

Thank you for your immediate attention to this matter. I look forward to a prompt resolution.
Product: Debt collection

My credit report looks off. I have things on their that make no sense to me Im looking for an understanding on how and why theses things are on my report and how they got their I need help understanding my report and also I would for. 
My report to be looked at to make sure its correct
Product: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

I am the primary consumer of the complaint and there is no XXXX  party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my SSN Card.
Product: Debt collection

They call at least 11 times daily. calls are from around the country, but they leave exact same messages. So I know it is the same company. It is Receivable Solutions, XXXX. The collection is for medical bills.
Product: Student loan

I am currently graduated from the degree program for which the loans are attached to. However, I wish to file a complaint because I have noticed a common pattern emerge when attempting to use the auto-debit feature from SallieMae/XXXX payment system -- they say it works but it does n't actually work and it has caused multiple late fees and unwarranted phone calls. This has still occurred even after taking this to SallieMae 's Office of the Customer Advocate. Based on the auto-debit not working over the course of multiple months, I feel this is a predatory practice in which they assess more fees based on a faulty service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report +Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$820.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance : {$650.00} XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

Hi, I previously requested that the bank make payments 1 ) automatic and 2 ) allowable from other banks. Currently you have to schedule each month or send in a check. It is now XX/XX/XXXX. This is not practical and is making it more possible for people to miss payments. My first issue on this was noted on XX/XX/XXXX. This has not been updated even though they said they were working on it. This needs to change because I am certain people are missing their payments because you can not perform automatic transfers from other banks. 

Moreover using the automated system does not properly work and they force you to speak with someone. First this is challenging because you need the automated system to work for you to contact someone and second, chatting with the operator is a hidden option where you just click " XXXX '' because they likely don't want you to know this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been denied apartment applications due to id theft on my credit report that experian and XXXX refuse to remove even with the documents required to remove ( ID theft report, social security number, and drivers license via mail with tracking number. ) I believe my rights have been violated and I would like these accounts to be removed immediately.
Product: Debt collection

I had XXXX Alliance One Accounts on my credit report, for {$60.00} each from " parking tickets. '' They were from a car that I had sold, but the buyer did n't transfer the title. 
When I called to make a payment, they told me they would delete the accounts from my credit report. On XXXX XXXX, I was notified by the credit bureaus they came off my report. On XXXX XXXX, they re-reported with no notification from the debt collector or the credit bureaus. Now, when I call the debt collector, they say that I owe {$5400.00} in past parking tickets. Every time I 've ever dealt with this company, I 've paid my account IN FULL. This is so disheartening that they do this to consumers. I paid them in full, they agreed to delete the accounts, not they re-reported them and it weighed down my credit score by XXXX points.
Product: Checking or savings account

At the end of XX/XX/XXXX, I opened a PNC Virtual Wallet with Performance Select account online so I could obtain the {$300.00} bonus PNC offered. To receive the bonus, PNC required that the account receive {$5000.00} in direct deposits within 60 days of account opening. Once the direct deposit requirement was met, PNC would deposit the bonus in the account within 60 to 90 days. 

My account received more than {$5000.00} in direct deposits within 60 days of account opening. It received {$3700.00} on XX/XX/XXXX and {$3800.00} on XX/XX/XXXX. However, my account did not receive the bonus within 90 days of meeting the requirement. 

On XX/XX/XXXX, I inquired through the help function of the PNC mobile application about why I hadnt received it. I chatted with the representative XXXX. He stated that the promotion was not applied to the account, so I must not have used the correct link to open the account. However, he could not tell me what link I had used. 

I find it unfair and deceptive, akin to a bait-and-switch, that I opened my account online ( using the requisite Apply Now button at XXXX XXXX XXXX ), but now PNC refuses to follow through on giving me the bonus even though I met their requirements. The best answer they can provide is that I must not have used the right link because the promotion wasnt applied. That is circular thinking and an invalid argument. Clearly PNCs inability to explain why I didnt receive the bonus ( beyond their circular thinking ) benefits PNCs bottom line because they do not have to honor the disclosure. I have no doubt that there are others in my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX  XXXX {$350.00} ( charge-off ) & XXXX XXXX XXXX {$860.00} Both accounts were settled ... 

I challenge the accuracy, compliance and reportability of this listing. 
grave errorsfalse claim and reportingI want these accounts rectified or removed immediately or litigation may follow, F.C.R.A. violation. 
Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Money transfer, virtual currency, or money service

On XX/XX/22 I sent " XXXX XXXX '' {$400.00} through XXXX for a deposit on an apartment that I wanted to rent. Prior to me sending my money I called Chase bank to find out if anything went wrong with this transaction, if could I get my money back and the Chase representative told me yes, so I then proceeded with the matter. After doing a XXXX search to the property that was advertised on XXXX 's list, I found the number to the property management/broker in the window. I called the broker and they reported it as a scam and informed me many individuals were inquiring about the apartment, and the person who claimed to be the tenant was not registered as the occupant of the property. I tried to get a refund from this " scammer '' and failing to deliver my money back I called Chase to report the issue. After 10 days, Chase representatives said they were unable to recoup the money from XXXX and that they were unable to refund my account of {$400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Experian and XXXX are refusing to delete 2 accounts that were so inaccurate i contacted them immediately!!! In the midst of this whole pandemic the need to have good credit has rised which means there is no time for erroneous reporting XXXX This Alleged chargeoff has 3 different dates of last activity a sign of re-aging the account further damaging my credit score yet all 3 bureaus swear they have verified the information as accurate. 

XXXX This alleged Mortgage account says late 30 days across all 3 bureaus but the account is closed- with an inaccurate payment grid- I disputed this alleged late account but all 3 bureaus verified it even though the company closed after it went bankrupt. ( XXXX XXXX XXXX ) How?????? 

Under the FCRA 15 U.S.C.? S 1681i, every single one even each any and or all of the unproven, not compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account ( s ) must be promptly annulled in its entirety or even the whole of the claimed account ( s ) are to be deleted.
Product: Debt collection

I received a call XXXX from local branch. ignored call because I didn't know the number and I was at work. They left a voicemail. My then ex boyfriend called me and said the same number had called him and he gave me the name Covington credit and number to call back. I then checked my voicemail. The voicemail said I owed a small personal loan. That I cashed a check from them. To which I said no I didn't I have never talked to you before. Apparently it was a check mailed to my address that if cashed or deposited, automatically opened a loan with their company. First of all how ridiculous is it that no paperwork has been signed by me or anyone in my household but all of a sudden I owe for this loan? I would love to see the signed paperwork from this company for this loan. I repeatedly told them to not call me or my ex boyfriend again. But yet I received a phone call yesterday I didn't answer. And I received a call today I didn't answer. And then they called my ex boyfriend again a few minutes later. Why are they still calling when I have asked them not to?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX ; XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$1700.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX : {$24000.00} ; ( Original Creditor : XXXX XXXX XXXX ) Balance : {$10000.00} ; XXXX XXXX XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

I continue to get what I would consider misleading solicitations from XXXX XXXX for me to get a debt consolidation loan, it claims I am pre-qualified for 1K to 50K and I can check for my rates without impacting my credit report. Every time I get one of these I go in and try only to get declined after they check what rate I would qualify for. If this company is going to continue to decline me why send these pre-qualified solicitations to begin with. I think it is completely deceptive advertising and I really wish they would stop with the solicitations when they obviously have no intention of extending me credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

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

Bank of America has refused to remove the delinquent status of a closed account. An account that was closed over 4 years ago! 
They have repeatedly harassed me and will not remove this fraudulent claim which has affected my ability to get credit and re-finance my home for 4 years!
Product: Credit reporting, credit repair services, or other personal consumer reports

i have this negative remark in my credit report, by XXXX XXXX XXXX. this is not mine, i have written the bureaus over a year, and XXXX  XXXX XXXX, ( XX/XX/2021 ) asking for validation, of this debt. They have refused to validate, the credit bureaus, only saying it has been verfifeid which is clearly not the same. theses large giant companies, flaunt the rules, and the credit bureaus are in bed with them, verifying and validating are two different things, i'm a single mom looking to buy a home, and this erroneous mark is preventing it, can anyone please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had XXXX fraud inquires removed from XXXX  in XXXX and they still are posted on Transunion though? i tried sending a letter letting them know that these accounts were fraud and they couldn't be authorized. even called to let them know another bureau saw the same and took them right off. please remove them as they are affecting my report with accounts that arent even mine. XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX