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

The letter I sent on XX/XX/XXXX was my 2nd letter informing the Credit Bureau that I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The items 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 identity theft. These items are unknown to me. Also, the information that some Credit bureau provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me : 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 Balance : {$2000.00} XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX XXXXXXXX Balance Owed : {$470.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$8400.00} XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$2400.00} XXXX XXXXXX/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 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 XXXXXXXX XX/XX/XXXX. Again, the items 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 or remove the reporting of any information in my credit file that resulted from the identity theft.
Product: Student loan

My name is XXXX XXXX and my mother XXXX XXXX cosigned for a private student loan. We were due to family deaths/hardship were unable to make payments and the loan was sent to XXXX  debt collectors. They started debited my mothers account monthly by default. We have been paying for over 2 years, they dont provide us information on the interest amount vs principal. We have asked he repeatedly and I am unable to claim the interest we have paid. I have paid my mother every month and I have proof of this. They are not helpful at all and said there is nothing they can do. We are in Illinois.
Product: Checking or savings account

I dropped off payment check to my local post office in the amount of {$420.00} to pay for my power bill by mail around XXXX XXXX XXXX The same check posted to my checking account on XXXX  for {$85.00}. The check was altered and made payable to someone I do not know and the amount was changed to " {$8500.00} / XXXX XXXX XXXX ''. My bank, East West Bank paid the check in the amount of {$85.00}. I contacted my bank and a Forgery Affidavit Claim was submitted on XXXX. It is now XXXX and I have asked about status numerous times but have been told it is still pending. I have not received any resolution or money back as of XXXX. My last status check to bank manager was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an unauthorized inquiry from a dealership, i sent in proof to company and they still have not removed the hard inquiry
Product: Debt collection

Received a letter XX/XX/2021 from American Coradius International LLC claiming I owe {$500.00} to XXXX and they are willing to take a settlement payment of {$370.00}. I contacted XXXX immediately and they confirmed I do not owe them any money, my account is in good standing and that this collection agency is attempting to collect a debt that is obviously not mine. I went to the website of this collection agency and did not feel comfortable calling the customer service phone number and I believe this is a scam and or someone trying to commit fraud. I contacted an XXXX  already as well as XXXX  and made them aware of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and equifax are reporting accounts on my report that i have no knowledge of. I have disputed these accounts numerous times and yet they refuse to remove the unverifiable accounts from my report. The accounts are XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I have concerns about Zelles handling of disputes especially because of the CFPB LAWSUIT that showed a bunch of issues the system had. I used Zelle numerous times and would file claims but they wouldnt investigate them. They would tell me that basically my money was gone and it was impossible to recover or track the people that did it. This raises concerns on my part about how they allowed this to happen multiple times. Im worried about my safety while having this
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is solely to voice the immediate issues with the credit bureaus. Assist me in correcting my credit file which has several wrong account and personal information. They knowingly are attempting to collect on a debt that is not mine. XXXX XXXX, XXXX XXXX, and XXXX are amongst the list. Every communication with Experian, XXXX, and XXXX about these issues they send out a letter about validation. Under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer I have not given permission or signed consent that allows the agencies to furnish listed above. Consumer law clearly states that in order for the credit reporting agencies to verify anything they must conduct interviews with my neighbors, friends, or associates that have knowledge of me and accounts.
Product: Debt collection

I sent Enhanced Recovery a certified notification to validate the debt they claimed I owed, and I never received a return letter.
Product: Debt collection

I have disputed the debt with Procollection over 6 times. I have not received a response from them. I have provided the necessary fraud forms but I have not received any reply
Product: Debt collection

On XX/XX/XXXX I checked the status of my credit report and discovered a new derogotory remark on my record. It was a debt for XXXX cable home services from XXXX. Trident Asset Management is the collection service on behalf of XXXX XXXX XXXX. XXXX bought the debt from XXXX and is now trying to collect from me. I called XXXX 's in house recovery team to locate the original account ( despite knowing that I have never held a XXXX account ) and they verifed that they have never had an account number of XXXX held by XXXX XXXX ( or XXXX ). I contacted Trident Asset Management to dispute the debt, and they requested I provide proof of a different internet service provider. I am still awaiting documentation proving my subscription to XXXX internet services during that time. I have told Trident Asset Management over the phone and in writing that I never owned that debt and refuse to pay it.
Product: Debt collection

On XX/XX/year> the Creditor ( Best buy/ Citibank ) Had charged -off {$2500.00}. I have asked repeatedly for a 1099 C for my tax purposes. i have not received any respond back about the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX/XXXX  XXXX XXXXXXXX XXXX reporting on all 3 of the major bureaus ' reports, on multiple occasions. XXXX  XXXX XXXX XXXX is reporting different open dates, close dates, high credit amounts, dates last active, and dates of last payment on the 3 bureaus ( XXXX, XXXX, TransUnion ) .
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN MY IDENTITY WAS STOLEN AND SOMEONE APPLIED FOR SOME UNAUTHORIZED ACCOUNTS THAT IS NOW SHOWING ON MY CREDIT REPORT AND HAVE MADE MY CREDIT SCORE DROP A LOT SO IM ASKING YALL TO PLEASE REMOVE THESE UNAUTHORIZED ACCOUNTS OFF MY CREDIT REPORT IMMEDIATELY... .THANKS IN ADVANCE *INQUIRIES FOR TRANSUNION AND XXXX XXXX XXXX XXXX XXXX- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : XXXX XXXX Bankruptcy XXXX Remove this Bankruptcy from my Public record XXXX  XXXX Bankruptcy XXXX Remove this Bankruptcy from my Public record XXXX XXXXXXXX Bankruptcy XXXX Remove this Bankruptcy from my Public record XXXX  XXXX Bankruptcy XXXX Remove this Bankruptcy from my Public record
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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: Credit reporting or other personal consumer reports

Thursday, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my credit report. 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX XXXX The account information is being reported inaccurately on my report. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX The balance of this charge-off is wrong. 
Please provide proof of the charge-off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account 's payment terms or account type is incorrect. 
Please verify and provide proof of the payment terms and account type or remove this account from my credit report. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXX XXXXXX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX Youre dissatisfied because this unauthorized or unnecessary check can damage your credit score and affect your ability to get loans or better interest rates in the future.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

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

This is my complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove the following inquiries which are opened without my knowledge. I highly request that you take the time to check and verify these inquiries since I never remember that I have authorized anyone about these inquiries. Kindly remove these inquiries if no proof can be provided. Please delete the following inquiries : 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 XXXXXX/XX/XXXX.
Product: Debt collection

I do not owe this debt to XXXX XXXX XXXX XXXX There is no contract between me and Collection Management Company, and they are not legally permitted to collect debt in the state of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

while looking on my credit monitoring site I noticed it was two accounts that do not belongs to me they are 1.XXXX  XXXX in the amount of {$470.00} 2.child support enforcem in the amount of {$450.00}
Product: Money transfer, virtual currency, or money service

I am visiting formally to express my concerns regarding Zelles handling of disputes particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Depsite using Zelle numerous times and reporting discrepancies my financial institution and Zelle have failed to investigate my claims adequately they informed me that regarding lost funds and tracking these funds are unfeasible the CFPB findings indicate that Zelle has not only allowed repeated offenders to exploit the system leaving user vulnerable to scams this lack of accountability and transparency is unacceptable and raises concerns about consumers safety
Product: Debt collection

This company has not provided validation of the debt, nor proof of purchase for the debt to show that they are authorized to collect on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 
XXXX XXXX XXXX XXXX Balance : {$58000.00} XXXX XXXXXXXX XXXX Balance : {$400.00} XXXX XXXX XXXXBalance : {$22000.00} XXXX XXXX  XXXX Balance : {$11000.00}
Product: Credit card or prepaid card

I was recently advised that my Prosper credit card and XXXX XXXX card were closed. In regards to the Prosper account, I was 30 days late and once I attempted to make a payment on XXXX XX/XX/XXXX I learned my account was closed. I called to question and I was advised that my credit was run again ( which I feel was unnecessary because I already had an established account since XX/XX/XXXX ) and that they determined I was no longer eligible so they closed the account. 
XXXX XXXX accepted my payment on XX/XX/XXXX and now the account is closed. I called the XXXX number but customer service could not provide me any valid reasons. 
By closing these credit cards it has caused harm to my credit report. 
This is a great concern because how many other people have this very thing happened to them? This is clearly bad business practice.
Product: Credit reporting or other personal consumer reports

The company Equifax is reporting false and misleading account information on my consumer credit report, furnished from XXXX XXXX XXXX. I have already reached out to XXXX XXXX XXXX  and reported the account information as identity fraud. I submitted a request to Equifax to block the information resulting from identity theft within 4 business days, but my request was converted into a 30-day dispute without my knowledge. Credit reporting agencies are supposed to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Unfortunately for me I am not experiencing fair treatment, and my consumer credit report is still not 100 % accurate. Please see attached legal complaint and original request.
Product: Debt collection

Warrants were taken XX/XX/2022 without ever contacting me concerning debt that was purchased by their client who also violated proper notification. I never received or new anything about this attorney. I'm now being told that a 3rd party purchased debt for a low cost and now suing me for large amount plus interest XXXX XXXX XXXX law firm failed to properly notify me on what they were doing or debt. I received no written notices, just 5 written warrant in debt letters. I immediately contacted them but it was too late. Even now I'm being served by the sheriff after requesting to go through the dispute process. I spoke to someone who said they sent 1 letter. In which I don't believe, because his story changed after I hammered them for violating the law. They are simply taking advantage of people in horrible times. 

Additionally credit corp solution sent me ONE debt notification only! in which I properly disputed in writing. They ignored my written dispute, gave it to an attorney. The attorney immediately obtained a warrant in debt that I had no idea they they had and sent me a dispute letter 2 days later from credit corp. What??? This is horrible... the two companies are working together to hurt people bad. This needs to stop. They are running around purchasing debt for pennies and suing for large amounts as of consumers brought from them.
Product: Credit card or prepaid card

I received a letter from Chase asking me to verify information for an XXXX credit card for which they say I had applied. This letter was sent to an old address of mine ( and I received it via mail forwarding which will soon expire ). My credit reports show a hard inquiry from Chase Bank on XXXX XXXX, 2017. I did not authorize this, nor did I apply for any credit card. I called Chase and told them I had not applied for card and wanted it closed, and want the hard inquiry removed from my credit reports. I further wanted them to tell me by what means had the credit card application been submitted -- whether by mail, phone, or internet? And I wanted any other information about the application they could provide me. They had no interest in helping me with any of this information, and instead tried to sell me identity protection. They insinuated I must have " accidentally '' applied for the card. I know of 2 other people who recently had the identical XXXX/Chase credit cards attempted to be opened in their names as well. There seems to be a clear pattern here, of fraudulent activity specifically with Chase/XXXX credit cards. I have no other inquiries on my credit reports, and neither do the other 2 people who have experienced this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this collection account with XXXX and Experian twice. I have also sent via certified mail documentation from the company that is/was reporting the account stating they ( XXXX XXXX ) request that the account is removed from my credit file. To date XXXX and Experian are still reporting this inaccurate information and refuses to remove the account from my credit files. This collection account does not belong to me. I have spoken to representatives yesterday at both XXXX and Experian ( X/XX/2017 ) and I was told both times the account will not be removed. There is no reason for this account to be on my report and this is a violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account XXXX XXXX XXXX XXXX XXXX Date XX/XX/2017
Product: Credit card or prepaid card

I made a purchase with XXXX  using Synchrony credit approx XXXX. Upon the first payment, my husband attempted to make the first payment but it was rejected/refund back to his account after a few days being processed. We assumed that it was being rejected due to the account being in my name but the payment info being in his name. I then made the first payment through my account using the synchrony website. My payment was also taken but then refunded back to my accounts a few days later. I went back in and attempted to make another a payment. Same thing again entering a second time through synchrony website. To avoid a late fee on my first payment, I contacted Synchrony approximately XX/XX/XXXX and spoke with a representative letting them know I was trying to make payments but are payments kept being refunded back within a few days of posting. I then made my first initial payment with that representative over the phone. Going forward, knowing that my bank nor my husband 's bank wasn't working well with the synchrony website, I have been using my XXXX online banking to send payments and have been outstanding ever since. As of today, XX/XX/XXXX, received a letter on XX/XX/XXXX stating that my account is being closed due to a dishonor of payments. I've been outstanding on this account and very commutative when I did face a problem. I've been told by an account manager, XXXX, there is nothing synchrony can do to reopen once the account is closed. They said it needs to remain closed and they have to run my credit to reopen it. I feel that because I was on a 12 month plan with no interest, they closed and want me to pay them interest. I have not been dishonest and my account has been outstanding. They have documentations on record that I've been in communication with them at the very beginning of this problem. I have no other debts other than my day-to-day living expenses. I've been way ahead of schedule to pay synchrony. Paying more than what the minimum requirement. I understand closing an account for others but I'm not one of them that should have been closed. There is a glitch using synchrony XXXX XXXX payments on their site and when I found out that that glitch was there, I continue to make payments through my online XXXX  XXXX  versus their website to make sure I stay at an outstanding my account. 

I greatly appreciate your time and review of this matter. 


XXXX XXXX