23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX -- -- Caller ID noted this companies number at no time have there been any messages left. The caller ID noted " Synchrony ''. We work so we never knew who the company was as we were not home for the call. Saturday XXXX I had been woken up by a call from this company they were recording as I could hear beeps intermittently yet I was not told that this was occurring. The call was not for me but for my daughter who has not lived at this address in over 2 years. I related that information, they then began to ask for her contact information. I stated that I would not disclose any information until I knew who was calling and why. The person tone became angry and stated it was a personal matter and would not disclose the type of company or why they were. After the call I contacted my daughter, she said she has been in contact with them and that she had made a payment but could not pay the full amount so she was late. My daughter seemed distressed and stated that they have her number and they have been harassing her, even after she had been in contact. I do not approve of people phoning my home over and over leaving no messages and becoming belligerent when there is nothing I can do, as this matter does not pertain to me or anyone living in my household. These people need to be regulated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my creditXXXX XXXX  Account #, has violated my rights. 

The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all 3 bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all 3 bureaus swell which This is ground for removal they also violated my rights under, 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 ACCOUNTS LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to informally express my concerns regarding XXXX handing of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite 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 infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but 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 or other personal consumer reports

An Affirm loan came up on my credit report a couple of years ago and I immediately disputed it as not mine because I didnt use affirm. I have since disputed it between XXXX times through XXXX and each time it comes back as confirmed and I have been given no information as to how this is mine. After dealing with XXXX I called Affirm directly and asked for the information showing that this was my account and they refused to provide anything showing that this belonged to me. I was told by Affirm XXXX  times now that they are doing an internal review of the case and I would be contacted in XXXX days. In each of those instances I never received a call back nor have I ever received any of the information I requested that shows they are claiming this is my debt. I finally got fed up and told Affirm I would just pay it because its such a small amount and they declined that option and said they are doing an internal review to determine and send me the information I requested. Ive yet to receive that. Even during the course of the dispute Affirm reported every month as a charge off all while Im being told they are investigating. It is such a small amount I would have had no issue paying it but this is not my debt to pay and I am frustrated with getting no where with both XXXX and Affirm on getting this solved and off my credit report. I dont have any information to attach below because I have not been sent any that shows this is my debt even after the XXXX times I have requested them to provide it.
Product: Money transfer, virtual currency, or money service

**DUE TO ACCOUNT CLOSURE I AM UNABLE TO RETRIEVE ANYTHING FROM ACCOUNT** I had a cashapp account in good standing for MANY YEARS. About XXXX ago an unauthorized charge for XXXX was removed from my account. Upon searching in vain for XXXX phone contact, I was forced to attempt to rectify the problem with Cashapp " CHAT ''. I explained the charge was not authorized and I needed to dispute it, per cashapp policies. Less than XXXX hours later I was notified that my dispute was denied they found no fraud or suspicious removal of funds. I demanded contact information for the company/user who had taken the XXXX, the " chat '' representative told me they could not give me that information and, " it wouldn't do any good to contact them, the charges stand ''. I AGAIN over the course of next 3 days attempted to gain contact information to the company/person who removed XXXX from my cashapp account, it was removed from my account... it was NOT A DEBIT CARD charge and on the XXXX day of being told to basically get over it they closed my cashapp account. Without notice, wasn't able to log back in to the account at all to remove the rest of my tax refund from account which was XXXX. Cashapp said I was in violation of terms and conditions but flat out refused to tell me what term or condition I violated. I attempted to make another account so I could reach customer support chat, which is only available in the app once logged into your account, I was no longer able to log in to my account! All attempts at making a new account IMMEDIATELY resulted in new account being closed upon me completing ID verification. So, XXXX plus XXXX was just gone and I had no way whatsoever to recoupe my money back from Cashapp. They took my entire 2022 tax refund. I still to this day have no idea who it was that took XXXX from me & still have not been able to get my XXXX that was in the account when Cashapp spontaneously closed it. No ability to reach Customer support without an account and any new account I attempt to make is immediately shut down. That was not the first time I'd lost money with Cashapp & their fraudulent charges. I don't know what to do, we do not have enough money to pay bills & eat much less hire an attorney to sue them. I just want my money they took.
Product: Mortgage

XXXX is attempting to foreclose on my property with fraudulent robo signed assignments. I have asked debt validation, and sent 2 QWR. I have not received a response from either. The assignment are fraudulent and fraud can not be the basis of obtain a deed ; therefore, the notice under power of sale is fraud and cant be used to conduct a foreclosure.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance Owed : {$250000.00} XXXX XXXX XXXX XXXXBalance Owed : {$590.00}
Product: Checking or savings account

Sometime last year I was sent a letter from XXXX XXXX, that they would have leans on my accounts and wages to pay off the debt. Since then Ive seen money leave my account, and taken from my wages. There were even times money would leave my back account, and then post back to it. So I didnt think much of it. This year while doing my taxes I came to find out my entire return went to XXXX XXXX, and that didnt make sense because of the leans. That prompted me to look through my account and its transactions. Come to find out there were a lot of unauthorized purchases. I reported them, talked with the bank, answered questions, and explained the whole situation. They have since denied my claim, and told me that an appeal was out of the question. I felt that was highly unacceptable, and not right seeing as how they have a zero liability policy regarding unauthorized purchases. Ive done my own research and seen a common tactic of people stealing, or committing identity theft is to intercept the packages before theyre delivered to the door, or snatch them up before anyone in the house realizes theres a package outside. Wells Fargo has now closed my account without settling this issue. Thats extremely unacceptable. They refuse to help, and continue to push me away seemingly so that I just drop the issue. There was way too much money taken to just forget about it.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and I noticed that you have furnished fraudulent activity on my report. The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX does not belong to me. I have previously requested proof of the alleged debt however you was not able to provide me with any physical evidence bearing my signature on a consumer contract. According to 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I demand the immediate removal of this account from my credit profile.
Product: Student loan

I recently learned that Navient settled millions of dollars for illegal practices and had to forgive the loans of affected borrowers. During this time, Navient did not notify me, and transferred my loan to XXXX. Before I make a payment to XXXX, I need to know if I was an affected borrower who is owed relief. Please let me know because Navient is no longer reachable. Thank you.
Product: Credit card

Earlier in XXXX I received a denial letter from JPM Credit Cards. I thought that was odd because I never applied. When I looked at my credit report, I see someone tried applying for a Chase Credit card 4 times. XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I am not sure if that means someone tried that many times, or if that is XXXX and XXXX combined. Either way, I have never applied for a credit card from Chase ( JP Morgan ). I was told by XXXX to file this report before contacting JP Morgan and XXXX. Thankfully XXXX XXXX Credit Reports show how to get in contact with XXXX and XXXX. I am hoping this will come off of my report as I have worked EXTREMELY hard on my credit.
Product: Credit reporting or other personal consumer reports

I'M IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. 

I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE ACCOUNT NAME : XXXX XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I MAY FOLLOW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR REINVESTIGATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I am filing a formal complaint against Equifax for its failure to comply with the Fair Credit Reporting Act ( FCRA ) by not removing inaccurate information from my credit report within the legally mandated timeframe. On [ date ], I disputed an incorrect account from XXXX that was reported on my Equifax credit file. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a reasonable reinvestigation and correct or delete any inaccurate or unverifiable information within 30 days of receiving my dispute. However, despite the expiration of this period, the inaccurate information remains on my report, causing undue harm to my creditworthiness and financial standing. Equifax 's failure to promptly remove this account constitutes a direct violation
of the FCRA, particularly 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies maintain maximum possible accuracy in consumer reports. Additionally, under 15 U.S.C. 1681s-2 ( b ), data furnishers are required to properly investigate and correct disputed information. Equifaxs continued reporting of this inaccuracy, despite my valid dispute, demonstrates negligence and a failure to uphold federal consumer protection laws.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit report I notice some accounts I am not familiar with. I have asked the CRA 's for validation of debt however the information has not been provided. due to my information being exposed I have submitted an FTC complaint reporting the information I am not familiar with. 

Please find the attached copy of my ID, The FTC Complaint, a copy of my NPD Report showing my information exposed in a national data breach and a Validation of Debt Letter.
Product: Debt collection

I cancelled this before 30 days - they failed to deliver and I paid XXXX for a month of this account. I told them and they cancelled this service.
Product: Credit card or prepaid card

Account # XXXX - Unfortunately during the period that I have held this paid-for and settled account, I was unable to keep up the payments and fell behind. I was going through a rough patch in life. I am a XXXX  mother of XXXX children who was laid off twice and lost everything in a home fire in XXXX of XXXX. After settling this account with Capital One in XX/XX/XXXX, I reached out to the Executive Office for Capital One in XX/XX/XXXX and there hasn't been a response. I fully respect my obligations with Capital One & I have worked diligently to amend my relationship with you by regaining your trust. This spring, I was laid off a third time from the pandemic as well. A brief look at my current accounts will reveal that I have successfully made on-time payments with my XXXX, Walmart, & Platinum Accounts since my unfortunate circumstances and I made timely payments while I was laid off during the pandemic as well. Ive recently began searching for a new home for my family & it has come to my attention that because of my previous late payments with Capital One that this could hurt my ability to qualify for home loans. As you know, FICO scores are extremely important in the selection of prospective job, home, and car purchasing applicants. In light of my renewed focus & demonstrated commitment to rebuilding my trust with your company, Im requesting that you please give me a second chance at a positive credit rating by deleting the tradeline. This account is almost eight years old. If you are unable to delete this tradeline, please remove the late payments off the account. This second chance will allow me to pursue the home of my dreams for my family. In the meantime, I have attached the Police Report & XXXX XXXX Letter from the home fire in XXXX of XXXX. Thank you for your time & I look forward to receiving a favorable decision from your company soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against Experian for including a fraudulent account in my credit report. The fraudulent account is with XXXX XXXX XXXX and has been wrongly associated with my identity. I have never leased a vehicle from XXXX XXXX XXXX, and this account results from identity theft. 

I urge you to initiate an investigation with Experian to immediately remove this fraudulent account from my credit report. The account is causing significant damage to my credit score and preventing me from accessing the credit facilities I need to manage my financial affairs. 

Furthermore, I believe XXXX XXXX XXXX must be held accountable for committing fraudulent actions. Despite being aware that this account results from identity theft and not belonging to me, XXXX XXXX XXXX claims I leased a vehicle from them. By doing so, they are aiding identity thieves in committing fraud. 

I request that you take swift action to address this matter and ensure that Experian removes the fraudulent account from my credit report. I also urge you to investigate XXXX XXXX XXXX ' role in this matter and hold them accountable for their actions. 

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

I have been making regular payments usually way more than the minimum amount due every month and sometimes I make payments two times within a billing cycle on my CAPITALONE credit card. I made payment for last month but I was still charged a late fee. When I called to complain, they said I made the payment a bit too early within the current billing cycle. I was really surprised and never heard that before. Nobody could offer any satisfactory explanation why I was charged a late fee.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company, or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$3200.00} XX/XX/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 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 TransUnion 15 U.S.C , 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize any one of these 8 inquiries and did not authorize anyone to run my credit. 

Equifax Mtg Inquiry from XX/XX/XXXX Misc. 

XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX Inquiry from XX/XX/XXXX Utilities & Fuel XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I received an alert from a credit monitoring service that my score had dropped due to an account change. I logged in and saw that GM Financial had reported my payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as 30 days late. Reported nothing XX/XX/XXXX than reported me 60 days late in XX/XX/XXXX. I immediately contacted GM Financial to report that when I log into their payment system, it showed my account has having a balance due of { {$0.00} } The only time it would show a balance due was towards the end of the month. I made the payments at that time and then they were considered 'late '. GM Financial customer service stated on XX/XX/XXXX : This is a site issue that we are aware of and our web designers are in the process of updating the system to get it corrected. There are also articles online where GM Financial admits having issues with their payment system when they upgraded in XX/XX/XXXX. I spoke with customer service both on the online chat and over the phone to explain my situation and have my account updated to show that the payments were not late due to an error on their end in their system. Even though they admitted they are having system issues, they said they will not do anything since they only have the date when my payment was received. I am being punished with late marks on my credit report even though their payment system has an acknowledged and admitted error. I want the late payment removed, this is affecting me purchasing my home