23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I approached XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX ) to purchase a procedure under the name of XXXX XXXX XXXX with an advertised and invoiced cost of {$4000.00} to be paid in monthly installments. Before signing any documents, I made certain that the invoiced price of {$4000.00} would be without any interest added. The attendant XXXX XXXX made it clear several times that this would have no interest. During the conversation she made me sign on a tablet which I did without any time to read it as we were talking about the procedure. She also had me sign a contract without time to read it and gave me no copy of it. 
When I returned home, I went over the numbers and realized that I was being charged a much larger amount. I called that business on the next day, XX/XX/XXXX in the morning, asking for XXXX XXXX but they wouldnt put her on the phone, another employee named XXXX but I am not so sure of that name, listened to my complaint and my demand to close the contract. She confirmed the contract would be closed. I was not convinced so I went to the business and asked to speak to XXXX XXXX but they would not allow me saying she was too busy at the moment. I spoke to the receptionist, XXXX, who again promised me that they were closing the contract considering only one day had passed and I had not received any service from them. 
Two months later I received a communication from Synchrony Bank demanding due payment of {$430.00} due. I called them and found out this was because of the closed contract. The people from XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX ) had anyway sent the request for financing by the bank, after we had agreed to close the contract over the phone and in person. I spoke to the bank and to my surprise, according to them my apparent debt was not only {$4000.00} but over {$6500.00}. The bank told me that they couldnt do anything but receive my complain and perhaps follow up the matter with the merchant if more complaints had been filed, because they had already given the money to XXXX XXXX XXXX. The complaint confirmation number is XXXX. 
This actions by XXXX XXXX XXXX are affecting my credit history and are causing me the stress to think that I have been cheated of money which I do not have and even if I did, my money is the result of my daily hard work just like anybody. I will appreciate your help. On Friday XXXX XXXX Allegro-Syncrony bank called me to tell that XXXX XXXX was refusing to return the money that was wrongfully received.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I have identified certain inaccuracies that I would like to address. Please refer to the attached copy of my credit report, where the highlighted errors can be found. The following items are incorrect : 1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  District of Columbia XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and subsequently removed from my credit report. I understand that you will verify these items with the respective creditor. Any information that can not be verified by the creditor should be promptly deleted. As per 15 U.S.C. Sec. 1681i ( a ), I kindly request that this reinvestigation be completed within 30 days of receiving this letter. 
Thank you for your attention to this matter. 
Sincerely, ______________________________________ XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX -Account Number XXXX Account Name : XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX OPENED XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXX XXXX OPENED XX/XX/XXXX Account Name : XXXX XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  XXXX  -DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXDATE XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX -DATE OPENED XX/XX/XXXX
Product: Debt collection

XXXX   XXXX   XXXX  violated FDCPA  1692e.   XXXX   XXXX   XXXX  filed a false claim in Small Claims Court stating that Arbitration was terminated due to the Defendant ( Me ) failure to pay fees.  XXXX  and  XXXX  failed to pay fee causing Arbitration to be terminated. In  XXXX  arbitration, I am the  Claimant and    XXXX   XXXX   XXXX  are the Respondent.  XXXX , clearly states t he Respondent  did not pay. Per  XXXX  '  Policy, th ey review credit card agreement and other documentation and decides who pays what and send a letter to all parties involved stating who pays.  See Attachment.     XXXX   XXXX   XXXX   XXXX  knowingly lied on filed claim which clearly violated the FDCP A 1692e
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. Please DELETE the following account from my consumer report as it is not mine. 

TRANSUNIONXXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX
Product: Mortgage

I started my loan with XXXX XXXX  and recently my loan got sold to Freedom mortgage. XXXX states that they sent me a goodbye letter, which I never received. I heard absolutely nothing from freedom mortgage. I went to pay my bill on the first like I always do and XXXX wouldnt accept the payment just a AS OF XX/XX/2020 YOUR LOAN HAS BEEN TRANSFERRED TO FREEDOM MORTGAGE alert came up. So I went to their website and I needed a loan number. I called them and they said it wasnt available. I asked the representative when would it be ready and she said after the XX/XX/XXXX. I called back on XX/XX/XXXX only to be hung up on once, transferred to a supervisor and advised by the supervisor to call XXXX. I need to pay my bill on the first of every month due to my budget and spending plan. Whats going to happen is, it wont be ready till the XX/XX/XXXX-XX/XX/XXXX and Im going to have to pay it again on the XX/XX/XXXX which paying XXXX within 2 weeks of each other is going to cause serious financial damage to me and my family. I need someone to take care of this. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies of XXXX, Experian and XXXX  are reporting an account for child support enforcement despite the fact that I do not have kids and do not owe child support. This account is reporting under account number XXXX and has all but destroyed my credit and good name and reputation within the community. Repeated disputes have fallen on deaf ears and been ignored.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHMENT FOR THE FOLLOWING XXXX ACCOUNTS TO BE DELETED FROM MY ATTORNEY. 

-XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 formally express my concerns regarding Zelles handling 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 I formed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but has also allow repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about costumer safety.
Product: Credit reporting or other personal consumer reports

Discovering that I've been a victim of identity theft has been deeply upsetting. Someone used my personal information without permission, opening accounts and conducting activities that I had no part in, all of which appeared on my credit report. Realizing how serious the situation was, I acted immediately. I reached out to Experian, and they advised me to report the incident to the Federal Trade Commission ( FTC ), which I did right away. Despite all these steps, the false entries are still on my report, leaving me frustrated and worried about the potential damage to my credit and overall financial health.
Product: Vehicle loan or lease

I am currently 1 payment of approximately XXXX since the end of XXXX and have continued to make my normal payments of XXXX. Daily I get multiple phone calls, texts and emails despite the fact that I have told the case managers on the phone that I do not have the money to make up the missed payment because I have a family of XXXX that I have been supporting alone for about XXXX month due to multiple job lay offs and then job ending for my boyfriend. They text me letters saying I'm failing to communicate when I do in fact speak to or respond to the texts when I am able as I work long hours with no breaks as a XXXX XXXXXXXX in a restaurant. This evening I got a text stating I agreed to a payment of XXXX on XX/XX/year> and I did not agree to that. Again I responded to them my correct pay date of XX/XX/year> that u agree to the normal payment of XXXX. They refuse to listen or help with my current situation and continue to do these things on a daily basis. It seems very unprofessional at this point.
Product: Checking or savings account

For years, Wells Fargo excessively charged for overdraft f
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent account that was verified as accurate by XXXX and XXXX. I have not done any business with Bank of America, but there is a credit card that was opened in my name. The investigation done by XXXX and XXXX could not be accurate because I was unable to get a verification of my SSN used on the original application.
Product: Credit card or prepaid card

chase closed all my and my wife 's presenile credit cards and my business credit cards and my bank account with any good reason. I was hanging on the phone for hours to get someone explaining what is going on and they didn't get me anywhere i asked my friends and heard that a lot of XXXX customers had the same situation so it seems to be a discriminations act a need help to get my cards open and my business should keep on running as needed
Product: Credit reporting, credit repair services, or other personal consumer reports

Method of verification Highly Requested Under15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business nameand address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 
Please send the following information used to validate the validity of the invalidated items below { XXXX XXXX XXXX  } Items Highy Requested 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The Valid documentation used to validate the dispute.

5. Also, the procedures your company have in place to ensure each account is 100 % correct which i doubt. 
6. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY 1000 per VIOLATIN YOU ARE COMMITING. 
In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance proceduresI am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under15U.S. Code 1681nand15 U.S. Code 1681o Civil liability for negligent noncompliance I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise
Product: Credit reporting or other personal consumer reports

I filed for bankruptcy on XX/XX/XXXX, and included all my accounts with Affirm in the filing. However, Affirm continued to report late payments and amounts due on my XXXX credit report during my active bankruptcy. When I contacted Affirm, I was assured that they would stop reporting, but they failed to do so. 

I also filed disputes with XXXX regarding Affirms reporting of these accounts as past due. Despite filing disputes five times, XXXX investigations consistently returned the accounts with a status of " remains. '' My bankruptcy was discharged on XX/XX/XXXX. Afterward, I contacted Affirm again to inform them of the discharge and requested that the statuses of my accounts be updated accordingly. Despite this, my accounts are still being reported to XXXX as late, with payments due, rather than being accurately marked as discharged through bankruptcy. 

Additionally, I was told by Affirm representatives that my case would be escalated to another department and that I would receive updates, but no follow-up has occurred.
Product: Credit reporting or other personal consumer reports

XXXX incorrectly reporting and falsifying students loans contract, please remove the balance from my credit report
Product: Money transfer, virtual currency, or money service

They refused to pay me back my money that was not delivered to my local bank in XXXX.
Product: Payday loan, title loan, or personal loan

Home equity line of credit.   XXXX   paid off balance in full asked them to close account.   XXXX   received bill statement with " purchase  XXXX  '' and "   XXXX    cash advance finance charge '' did not use account and had believed it was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX is showing Negative accounts that are not listed on my credit report. If not listed they need to be removed. I have a paid account to XXXX XXXX  that is listed on my credit report. Also hard and soft inquires were not apporved by me. 
In accordance with the Fair Credit Reporting and XXXX, XXXX has violated my rights. 
15usc 1681 Section 602A State I have the Right to privacy.

15 usc 1681 Section 604 A Section 2 H also states a consumer reporting agency can not furnish my account information without my written consent.
Product: Checking or savings account

On XX/XX/XXXX I received my regular direct deposit to my Chime bank account at XXXX pm. I was currently at home watching my son 's basketball game. At XXXX I transferred my funds from my checking to my Chime credit builder card. At XXXX am on XX/XX/XXXX, XXXX individuals hacked my account. They transferred the money from my credit builder card to my checking account and used the pay friends feature to transfer my entire direct deposits to themselves. At the time the transfers were made I was still sleeping. Once I woke up and saw these mistaken transaction I immediately contacted Chime as well as completed a police report. I submitted a dispute with Chime and a few days later it as denied. I started to send several messages via social media on XX/XX/XXXX as well and called Chime several times and spoke with 3 separate managers. On XX/XX/XXXX chime closed my account blocking access to all previous informtion and transactions. {$840.00} was taken out of my account by complete strangers and I need my money back. I hve XXXX children.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because I have noticed several collection accounts on my credit reports that I do not recognize or have any knowledge of. These accounts are inaccurately listed under my name, and my attempts to resolve this issue with the credit bureaus have not led to any meaningful action. 
I have provided supporting documentation requesting verification and removal of these erroneous accounts, yet the credit bureaus continue to report them as valid without offering substantial proof. This has caused significant damage to my credit score and overall financial well-being, and the lack of assistance from the credit bureaus is both frustrating and unjust. 
XXXX XXXX : XXXX : {$220.00} XXXX XXXX  : XXXX : {$790.00} XXXX : XXXX : {$130.00} XXXX XXXX  : XXXX : {$600.00} XXXX XXXX : XXXX : {$0.00} XXXX  : XXXX : {$610.00}
Product: Money transfer, virtual currency, or money service

Good Day I am XXXX XXXX, XXXX, XXXX. 
Prior to XXXX, i make a reservation at the XXXX XXXX in XXXX, XXXX, a XXXX XXXX, The reservation was made with a Platinum American Express Card and a charge for XXXX XXXX 's was paid. Because of XXXX, we were not able to use the reservation and the hotel issued a voucher for us to use. We however, were not able to get back to XXXX and the Hotel was changing ownership. The hotel staff offered to transfer the XXXX XXXX to american express via an XXXX number and XXXX  number. I went on the Amex web site and got the information and forwarded it to the Hotel. All of this correspondence is via email. The hotel transferred the money to XXXX  number XXXX on XX/XX/2022 and was received by XXXX XXXX on XX/XX/2022. When i checked with American Express as to whether the funds were received, they told me that they do not deal with XXXXXXXX XXXX only XXXX XXXX and gave me a different XXXX  number. XXXX. I called XXXXXXXX XXXX and although very nice, they were unable to help in matter and suggested that the Hotel recall the transfer and reissue the refund to the new XXXX number, The Hotel financial staff, again were very nice but said they were unable to recall the transfer and that there was nothing else they could do. 
The funds are sitting in an account at XXXX XXXX that i am unable to access. I am looking for an next step to get my XXXX XXXX back.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX! I demand the late payment reported to be removed/updated. 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. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion are reporting unauthorized inquiries that I never authorized and I have previously disputed the inquiries in written and called XXXX on XX/XX/XXXX at approximately XXXXXXXX XXXX  central time spoke with a rep and the representative made me verify before she took the call and I gave her all my Identifying factors and the issue still wasn't resolved. I've reached out to both the companies and the bureaus the Inquiries are reporting from and to XXXX and TransUnion but they have failed to remove them from my credit report as they are hindering my credit scores and I want them removed as I did not authorize these Inquiries I never even been to these companies nor do I have an active account attached to these unauthorized Inquiries Neither company has responded to my previous letters that I have written to them besides TransUnion, TransUnion is accusing me of working with a credit repair company which I am not I just did my homework and researched everything I need to know about my rights when it comes to credit reports and TransUnion stated they will not investigate the items I have found reporting inaccurately on my credit report. 

XXXX unauthorized Inquiries listed below XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion unauthorized Inquiries listed below XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX TRANSUNION XXXX XXXX is obligated by the FCRA to report accurate accounting. consumer has advised ALL the accounts reported was fraud. said companies had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX TRANSUNION XXXX XXXX to provide the documentation used to determine accounts was indeed authorized by the consumer, XXXX TRANSUNION XXXX XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if XXXX XXXX TRANSUNION does not have documentation to show these were in fact authorized it must be removed asap. SAID companies is liable under the SEC to follow certain rules. XXXX XXXX XXXX i will be filing form 211 treasury omb forms to audit consumers account. 
XXXX TRANSUNION XXXX XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called the following credit reporting agencies Experian, XXXX and XXXX to request that unauthorized inquiries be removed from my credit report. 

The customer service representatives were not helpful. I want these inquiries deleted from my credit report. 

A. XXXX XXXX XXXX, XX/XX/XXXX B. XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX AXXXX XXXX XXXXXXXX XXXX XXXX XXXX, RI XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX AND XX/XX/XXXX 2021