23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company contacted me via mail saying that they were collecting a debt on behalf of XXXX for an account that is 3 years old that I never had. They said if I disputed this information to write them within 30 days and I did. I received another letter from them on XX/XX/2015 stating the same thing and to respond within 30 days. I have credit monitoring and on XX/XX/2015 less than 30 days they put this item on my credit report anyway after I have disputed in writing once. They never sent me any paperwork regarding this matter and they are wrong to report it anyway. I am not able to scan the letters they sent and that I sent but I am more than happy to fax them or mail them if needed. My credit is overall good and this account is seriously causing me financial distress.
Product: Debt collection

This company is stating I owe {$120.00} times two on a membership that was previously canceled on the mail by letter as suggested from XXXX XXXX. There were two memberships under my account XXXX XXXX ( me ) and XXXX XXXX ( my father ). I received letters for both memberships that were canceled. The gym switched names and ownership but I canceled prior I have an email showing I reached out to the gym. This fee shows no break down of what I wouldve owed or when I stopped paying my membership. This facility has changed names so many times and been know for doing this!
Product: Debt collection

Sunrise credit services continue to call me to collect a debt from XXXX XXXX. After being told to not call me again. They call multiple times a day and do not identify themselves until asked where they are calling from.
Product: Credit reporting or other personal consumer reports

Dear Equifax I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Its my understanding that you have up to thirty days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

XXXX : Account number : XXXX, Please remove it from my credit report. 


My SSN : XXXX You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately Delete any and all social security numbers that your company is reporting on my credit report. 

My date of birth is DOB : XX/XX/1989. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


Thank you, in advance, for honoring my requests. I would like an updated version of my corrected profile as soon as you have deleted the inaccuracies Ive listed above. 


Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following XXXX, XXXX, TransUnion credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 

( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$650.00}, XX/XX/2024 No Knowledge of this account. Account is Fraud.
Product: Debt collection

I wish to dispute this account. This account was created XX/XX/XXXX. Hurricane Katrina devastated 80 % of XXXX XXXX XXXX on XX/XX/XXXX, 80 days after this account was originated. 
I left XXXX XXXX XX/XX/XXXX. 
Hypothetically Speaking, if I were a student at that time - There should be a Student Loan Forgiveness Program for students that were affected and displaced due to Hurricane Katrina.

If you are, legally, going to GIVE me this account, I wish to apply for Hurricane Katrina Student Loan Forgiveness or other disaster relief.

The Company I worked for was destroyed I was unemployed. The Schools in XXXX XXXX were closed for at least 1 year or longer. I lost ALL MY private PROPERTY - HOME - CLOTHING. 
I stayed in a hotel in XXXXXXXX XXXX  until XX/XX/XXXX. FEMA relocated me to XXXX XXXXXX/XX/XXXX. I stayed in XXXX XXXX, XXXXXXXX XXXX for 6 months paid by FEMA. I accepted residence in XXXX XXXXXXXX XXXX XXXX XXXX 
This Student Loan originated XX/XX/XXXX with XXXX as the servicer - XXXX sold it to ECMC XX/XX/XXXX, 13 years after. XXXX sold this Loan to protect itself. CFPB banned XXXX from servicing Student Loans based on years of abuse of Student Loans. There is reasonable doubt, of the accuracy and legitimacy of this student loan account.
Product: Credit card or prepaid card

Dear CFPB, I would like to file a formal complaint against Chase for my XXXX Credit Card. I recently gave a credit balance of over $ XXXX, and have repeatedly requested Chase to confirm and transfer my credit balance to my Chase checking account. They keep on providing the same response to wait for up to 10 days. Which is in violation of CFPB 1026.11 for requests to be completed within 7 business days. I contacted them many times via calling their call center on XX/XX/21 officially requesting the refund of the credit balance and also via email many times. 

They are illegally keeping my money for longer that they are entitled and in direct violation of your ordinance.
Product: Mortgage

I got three collection letters from the XXXX of XXXX for XXXX homes for school taxes. I spoke to Shelll Point servicing company about this over the last six weeks. Ive been on the phone with 4 different reps. No one seems to have an answer and I keep getting emails from them that none of my taxes are due. As of this morning, I spoke to the actual treasurer of XXXX, and the taxes are not paid and will be sent to XXXX XXXX  law services XX/XX/. I now will have to pay them myself as I dont want any issues. Shellpoint doesnt even have a tax department you can speak to. They are jeopardizing my credibility and hard work that it took to get to this point in my life. No one gets back to me about the issue its very frustrating. 

XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX Pa XXXX All school taxes are delinquent and going to collections
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Equifax Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance : {$0.00} XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Unauthorized wire transfers were made out to coin base. I reported these as fraudulent. Coin base does not have live agents to speak to over the phone.
Product: Debt collection

AFNI , INC . 
ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AFNI, INC. or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AFNI, INC. or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally address my concerns regarding Zelles dispute resolution process, particularly in light of the recent CFPB lawsuit that highlights systemic issues within the platform. As a long-time Zelle user , I have encountered multiple instances of unauthorized transactions, all of which were promptly reported to both Zelle and my financial institution. Despite providing detailed evidence, including transaction IDs, timestamps, and communication records, my claims were dismissed without a thorough investigation. I was repeatedly informed that recovering lost funds was not possible and that tracking these transactions was unfeasible, leaving me with no recourse.

Furthermore, I have noticed a pattern of fraudulent activity linked to my account, suggesting that Zelles security measures are inadequate in preventing repeat offenders. The CFPBs findings reveal a troubling lack of safeguards, allowing scammers to exploit vulnerabilities within the system while placing the burden of loss entirely on consumers.

Adding to my frustration, customer service provided inconsistent and often contradictory information regarding their policies and procedures, further eroding my confidence in Zelle as a reliable payment platform. This lack of accountability, transparency, and consumer protection not only undermines trust but also raises serious concerns about Zelles commitment to user safety.

I urge Zelle and its partner financial institutions to prioritize consumer protection by implementing stronger fraud detection mechanisms, providing clear dispute resolution procedures, and ensuring transparency in their operations. Without these improvements, Zelle risks losing the trust of its users and facing further regulatory scrutiny.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XX/XX/2020 XXXX XXXX had taken a job in the XXXX XXXX area. we live in XXXX XXXX so she was moving down there. We were searching for an apartment and had applied at XXXX XXXX XXXX XXXX XXXX was our contact person. At this time we had to pay the application fees that were {$55.00} per person and we also paid a security deposit of {$200.00}. All fees were paid. We were starting to get into a bind with time and I had not heard back from XXXX. We then started to look at other apartments and found one that approved us very quickly. I informed XXXX that we would no longer need this apartment and that was it. Didn't hear from anyone, then someone called to let me know that I owed money from my daughter moving out?? I informed them that she NEVER signed a lease, nor did she move into that apartment. The lady on the phone was going to investigate it, again didn't hear anything so I thought things were taken care of?? Now Columbia Debt recovery gets a hold of me and I inform them that everything was paid. They tell me to send all proof. I did this, again no one EVER contacted me again so I thought things were handled?? Now it shows up on my credit report. I have very good credit and I always pay my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are still accounts under my name that are reporting inaccurately. I have already sent them to the credit reporting agency and yet they haven't removed or updated those accounts I am complaining about. See attached documents for these accounts for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

took more than 30 days has not notified me of results.
Product: Debt collection

To whom it may concern. These accounts stated are fraudulent accounts due to identity theft and I am requesting for the following collection accounts and inquiries to be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/year> Inquiry : XXXX Inquiry : XXXX Inquiry : XXXX XXXX : XXXX Inquiry : XXXXXXXX XXXX Inquiry : XXXX Inquiry : XXXX XXXX Inquiry : XXXX XXXX Inquiry : XXXX XXXX Inquiry : XXXX XXXX Inquiry : XXXXXXXX XXXX Inquiry : XXXX XXXX Inquiry : XXXX Inquiry : XXXX Inquiry : XXXX XXXX Inquiry : XXXX XXXX Inquiry : XXXX XXXX XXXX Inquiry : XXXX
Product: Bank account or service

We have our account with Regions Bank for years. We purchased a property and on the closing day, we received instructions from the Title Company to do the wire. We went to Regions and did the wire to XXXX XXXX XXXX and came to find out, the email we received with the instructions was hacked. XXXX XXXX XXXX found that out and is holding our money for over 70 days. They do n't give us information, do n't talk to us and we were told that they only will give information to our bank, Regions. On the other side, our bank is not helping at all, they refuse to get higher level people involved, to help us, they are treating us with a lot of demeanor. I sent an email to XXXX XXXX and XXXX XXXX, who we were told are the regional manager and operation managers and they never replied the email. Our branch manager also sent an email to them and they do not respond. This is the worst demeanor a bank can do to a customer. We are supposed to have help when there is fraud involved and Regions is not cooperating at all. We went to an Attorney and were informed that only Regions can do something for us and all they are doing is NOTHING!!! Having a regional manager and operation manager like this, they should have some punishment for that!
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with those creditors was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 those account 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.

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 an
d 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 or other personal consumer reports

Ive been calling for days to speak to a human. I need to know why they have not taken off the collection account that XXXX has requested that they do. Every other bureau has a human to talk to except this one and every other agency has honored the request made by the collection agency and has removed this debt. 

The debt they placed they Already removed once and hade violated the FCRA! Now they arent honoring the collection agency requests for it to be removed. And I cant get a hold of anyone to speak with about his which is ridiculous! 

Im getting ready to sue as its XXXX me my home loan!
Product: Student loan

I told him that I dont have money If you guys want to take XXXX bucks a month or a week I can do that And just feels like Im getting the runaround that I have to upload this up now that I tried clicking or upload it just doesnt let me add more stupid questions are asking me do this do that I dont need this XXXX Im sorry for my language
Product: Credit reporting or other personal consumer reports

LexisNexis reports that I was in a XXXX XXXX. This is not true, Ive never been in a car accident in my life. I figured out that my dad who has the same name as me backed into a light pole in a parking lot 2 years ago, and that the accident was wrongly attributed to me. I requested a report multiple times but my request for a report got denied the first few times. I eventually got it. Im trying to get the accident removed from my record, but they make it so difficult. I am paying far more for my car insurance than I should be paying because of their mistake. Also my report has a lot of other information that is not true. They appear to think that my dad and I are the same person. It says I'm a homeowner, which isn't true. It says that I've been in car accidents, which isn't true. It even says that I have multiple birthdays ( one being mine and one being my father 's ) which is obviously not true. There is a great deal of inaccurate information and it is directly hurting me. My car insurance rates are double what they should be. I can prove that my dad was the one in that accident and not me. Several months ago ( XX/XX/year> I believe ) they claimed that they were starting an investigation. I followed up XX/XX/year> to no avail. I have been trying to follow up again, but their hours aren't good for me since I have a job and I get stuck on hold for long periods of time. But even now when I try to get a new quote on car insurance, the insurance companies say that LexisNexis data shows that I was in a XXXX XXXX, so I know that it hasn't been resolved even though it has been several months and they have all of the information that they need.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus and US BANK XXXX XXXX to remove this account that was open on XXXX XXXX, 2014 ( 7 yrs, 8 mos ) which make it obsolate under the 7 years statute of limitation of the FCRA. The account is also fraudulent.
Product: Credit card or prepaid card

I paid off my credit card balance in XXXX of 2022, but I am still being charged interest. I have requested an itemized breakdown of the charges that are accruing interest, and American Express will not provide anything.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 's 1666b a creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose.