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

I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. I found that under section 605b ( a ) Transunion 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) This account is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX  XXXX Date Opened : XX/XX/2013 Balance : {$4100.00}
Product: Debt collection

1. Never received communication of any kind from original creditor.

2. Never received a tear off dispute portion of any letter sent from collection agency to return via mail.

3. Never received notice of my rights to obtain documentation and verification of alleged debt nor my options if I disagree with the debt.

4. Never received a verification notice 5. Never received information of how this debt occurred nor what the debt consisted of.

6. This debt was part of a XXXX XXXX. No contact information provided of original creditor.

8. This agency reported this invalid debt to national credit reporting agency 's and have threatened to sue.
Product: Debt collection

I asked for a verification letter and IC systems stated that since they sent one they can not send another one. I never received any letter from them and I had to find out about them through XXXX XXXX They provided me with a reference number that is incorrect and will not allow me to view any of my information. I can not pay a debt thats not validated especially because I have reasons to believe it might be false.
Product: Money transfer, virtual currency, or money service

I am writing to report a fraudulent Zelle transaction and request assistance in recovering the funds. I believed I was sending payment to a trusted friend but later discovered their XXXX account was hacked, and a scammer impersonated them. This transaction was made under false pretenses due to a security breach beyond my control. I am providing the following documentation : 1. Screenshots of the XXXX conversation with the hacker. 
2. A record of the Zelle transaction. 
While I understand Zelle transactions are typically final, I kindly request an exception as I acted in good faith based on manipulated information. Please let me know if additional information is needed. I can be reached at XXXX or XXXX. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Experians Negligence and Noncompliance Under Civil Liability Statute XXXX To Whom It May Concern, Experians negligence has resulted in direct consumer harm, failing to uphold its obligations under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. As a consumer impacted by Experians noncompliance, I believe that the imposed fine is warranted, and further corrective actions should be considered to ensure compliance with federal laws governing consumer rights and credit reporting practices. 

I request the following actions : 1. A comprehensive review of Experians compliance failures and an outline of how the CFPB intends to enforce corrective measures beyond monetary penalties. 
2. A public disclosure of Experians specific violations and the impact on affected consumers. 
3. Additional consumer protections to prevent further negligence from Experian and other credit reporting agencies. 

Please confirm receipt of this dispute and provide an expected timeline for review. I look forward to your prompt response regarding this matter
Product: Credit reporting or other personal consumer reports

Dear CFPB, Goldman Sachs ( Apple Credit Card ) is not adhering to the protection order for credit reporting under the statute below, SEC, 4021 Credit Protection During Covid-19. ( I contacted their customer service department on a recorded phone on XX/XX/XXXX. The Apple card support team told me they have no knowledge of the Credit protection statute associated with COVID-19, in which no delinquency can be reported to the following credit agencies below until 120 days after the Pandemic ended, which was XX/XX/XXXX. In addition, accounts can be modified based on the impact on consumers. I was never late on this account prior to being laid off. I paid each as long as could until my unemployment benefits ran out. 

APPLE CARD/ GS BANK USA XXXX Account # XXXX Date of Contact : XX/XX/XXXX Credit Limit : {$4500.00} NEVER /LATE to Start Date of Covid-19 ( XX/XX/XXXX ) Report : Late - XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Credit reporting Were required by the Fair Credit Reporting Act to report all account information accurately to the consumer reporting agencies. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX SEC, 4021 Credit Protection During Covid-19. ( Please review the attachment - 120 days after the end of the Pandemic, all creditors must refrain from reporting delinquency or modifying terms up to 120 days after the end of the COVID-19 Pandemic. ) Please review the official start day of COVID-19 by the World Organization of Health ( Started XX/XX/XXXX ) Please check the official end day of COVID-19 by the CDC - ( the Covid-end date was XX/XX/XXXX ) Regards, XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter that was dated on XX/XX/23 accounts was not verified.
Product: Debt collection

I request that my account with XXXX XXXX company, XXXX XXXX XXXX XXXX, XXXX, Utah XXXX close my account after XXXX years with them in XXXX. I never received a respond so I called them on XX/XX/2023 and spoke to XXXX different people and was finally sent to the XXXX XXXX department ( XXXX ) XXXX in which I was told handles closing accounts. This was after being on the phone and explaining my situation XXXX time for over XXXX XXXX hours. 

The person told me that I still owe {$100.00} for equipment. I dispute that because I've had the account for over 9 years and up to date with payments at that time. So I agreed to pay the {$100.00} if they would send me a email stating that my equipment bill was up to date. I was told that my account would be closed, but the following month I continued to receive bills from XXXX I call the XXXX  department again after receiving XXXX more bills and ask to speak to a XXXX. While on the phone the XXXX agreed that this should never have happened and he would make sure that the account would be closed and gave me his direct office phone number. ( XXXX ) XXXX. I received a letter from the XXXX  department stating that my account was officially closed. ( See attached ) Then on XX/XX/XXXX I received a letter from XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX ( XXXX ) XXXX stating that I owe {$360.00} from Citizens Bank. I called XXXX and they informed me that this originated from XXXX. I told them that his account was closed and I had correspondence that it was closed. On XX/XX/XXXX I sent XXXX copies of the XXXX closure correspondence I have with XXXX. They informed me that the account number that tie XXXX  to this account was # XXXX. 

I called them today XX/XX/XXXX and they told me that they have not received the correspondence and refuse my request to email them. 

This has gone on for a year and my credit report has not been corrected at this time.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a resbonsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/24 Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

1 credence resource management ceases any further unauthorized access to my credit report.2 credence resource management compensation me with statutory damages of {$1000.00} for the unlawful credit inquiry in accordance with the FCRA.3 failure to resolve this issue may result in further legal action, as I am prepared to pursue all remedies available under the law including formal legal proceedings to recover damages for this violation.
Product: Debt collection

XXXX/XXXX/17 I received a phone call from Receiveable Management Services Corporation ph. # XXXX. They said I owed them {$310.00}. for healthcare premiums. This did n't seem right so I called XXXX and they said I had no unpaid premiums or claims. When I asked where they received my information from they said the XXXX XXXX. I called and they said they do n't give information to debt collectors. They are the center for applications with obamacare. I then called them back and they had my name and address with someone 's social security # affiliated with this fake account. They then hung up and refused to talk to me. They then called me again on XXXX/XXXX/17 and left a message stating a owed a debt.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Debt collection

Midland Credit Management has delivered a summons to me containing information that they are attempting a collect a debt from me. Oddly Midland has sent another person 's personal information to me. Midland sent my personal information the other person. Because Midland has initiated a court collection against this other person, unknown to me, this is very serious as it involves them sending personal information.
Product: Payday loan, title loan, personal loan, or advance loan

Dear Sir/Madam, I am writing to bring to your attention a concerning experience that I have had with my account. I am a customer of XXXX XXXX and XXXX XXXX, with Loan # XXXX. Unfortunately, due to a financial hardship, I fell behind on my account. 

During my attempts to resolve this issue, I discovered that my account had been transferred to SST ( XXXX ). In an effort to rectify the situation, I called the provided contact number, XXXX, and provided my personal information as requested. Disappointingly, I was informed that none of my information was present in their system. 

Seeking clarification, I called SST once again, only to be informed by a representative named XXXX that there were no phone numbers associated with my account. I expressed my concern about a possible scam and requested to speak with a manager. To my dismay, I was placed on hold for over 1 hour and 21 minutes without any resolution. 

In light of these difficulties, I am now requesting the immediate assistance of a supervisor/manager to address this matter. I believe it is crucial for someone to contact me promptly. 

Also, this account was a XXXX XXXX XXXX  and this allowed some of my monthly payment to placed in a savings. The total amount in the savings was {$1000.00} and per loan agreement the remaining balance was approximately {$450.00} would be paid off by the savings account and I would receive the difference. 

I have yet received a difference. 

I greatly appreciate your attention to this matter and I hope for a swift resolution.
Product: Money transfer, virtual currency, or money service

I am formally expressing my concerns regarding Zelles handling of my disputes. Especially in highlight of the cfpb highlighting the concerns of Zelle. Despite using Zelle numerous times and disputes, my banking institution and Zelle have failed to properly investigate my claims.
Product: Debt collection

I had sent CMRE financial a debt validation letter, because my insurance company had assured me this bill was paid, and CMRE was looking to collect this debt. CMRE returned to me a one page letter, with my name, account number, and a balance. I tried to contact the hospital to get some closure on this, and they said, since it was in collection, I had to deal with CMRE. This letter from CMRE obviously offers no help in finding out the details of this bill ( debt ). Not getting any satisfaction from CMRE, I filed a complaint with CFPB. 
Low and behold after I complained to CFPB, CMRE sent me some sort of billing statement. This bill was like no bill I had ever seen. It had not mention or logo of the hospital on it. It looked like it was typed up by any kid on a computer. From what I can decipher, there were charges, payments, payment reversals, but no where on there was the word totals or a total amount due. No past due amount-NOTHING! There is no way this can be considered a valid verification of the debt. On my last complaint I did not check for the CFPB to publish my complaint, because I was hoping the company would remove this from my credit report, and that would be the end of it. But not this time. I want the company to understand that I will continue to complain until this gets resolved. Please note that in 2014 I was diagnosed with stage 4 XXXX XXXX and have generated tens of thousands of dollars in medicals bills which my insurance company has paid. Please check my credit report. I do n't understand why this one out of hundreds of bills is haunting me.
Product: Credit reporting or other personal consumer reports

I was involved in an accident. I reported it to XXXX XXXX in XXXX XXXX XXXX Utah whom I received the loan through. XXXX XXXX would not help me like they stated instead told the guy at the repair shop that they would help them sue me. I was going through a rough time. XXXX XXXX has repeatedly lied to the credit report agencies about false balances. They have lied an stated that they was included in my bankruptcy and was not. They have threatened me that they are going to come and get me. Please view there reviews on XXXX and the Better Business Bureau. I do not know how they know when my credit score increase because they will close and charge off a false balance and then reopen it again on my credit reports. Transunion has allowed them to repeatedly do this. I am beyond stressed with this company.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I received a message from XXXX on XXXX asking for my phone number. I sent it. She txtd me to verify the number. She then called me via XXXX XXXX & said she was gon na txt me. She then asked for money for her phone, then said she didnt have money to eat & then said she needed more money for the phone. I sent {$370.00}. She said she would pay me back that night. I waited for 1week before I asked for my money & thats when she said I had been scammed. She stated her XXXX cashapp & phone were all hacked But it was her voice!
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened aXXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX with a balance of {$78.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the listed creditors, and they have NO proof I initiated these inquiries, nor written authorization and have failed to provide any permissible purpose. I disputed these inquiries with Equifax over the phone and received no resolution.
Product: Debt collection

the debt collection firm Kirschenbaum & Phillips had gotten a judgement against me without my knowledge, without any notification in 2009 & has repeatedly tried to collect on a debt I do not owe due to identity theft. I have contacted them repeatedly, filled out XXXX identity theft packets & submitted police reports. They have seized assets in my bank accounts XXXX, which were eventually returned to me. I have been to the county records office/courts to find copies of this judgement & there are no records. 
This is a debt that was created due to identity theft. I have provided all the information and last known whereabouts of the individual who stole my identity yet Kirschenbaum & Phillips has still continued to harass & threaten my assets. 
I can not keep a bank account due to the constant threats of asset attachment. This has been an ongoing issue since 2009.
Product: Payday loan, title loan, or personal loan

Loan paid off however still show as derogatory on credit report since paid in XX/XX/19.
Product: Credit card or prepaid card

I wanted to buy and item that charged XXXX XXXX XXXX XXXX. Trying to close the app every screen had additional fees totaling {$61.00}. that I wasnt interested in. There was no phone number listed to cancel. Immediately I called SELF to cancel the transaction, within 1 minute.

They said they would block/cancel the card. Two weeks later the charges are still on my account. When I call the credit card co I am transferred and left on hold up to 30 minutes.

Emails are met with requirements for me to fulfill when all they had to do was cancel the transaction 1 minute later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'd like to file a complaint against Experian, the actual credit reporting agency. Experian often subjects end-consumers ( me included ) to dark patterns in regards to how properly manage their Experian credit report. 

See this blog post here : XXXX XXXX XXXX I am experiencing the exact dark pattern that is explained in this blog post. As the blog post points out, I am getting emails about a new " credit alert '' on my credit report. However, the only recourse available to view the alert is to sign-up for a paid service of Experian 's . Viewing my credit report is a free service ( at least once a year ), yet Experian makes it seem that I must pay and provides no clear alternatives to me. 

I find this to be a deceptive practice that Experian is employing and feel it needs to be stopped.