23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, a letter was sent from Commonwealth Financial Systems alleging that I owed a debt in the amount of {$1100.00} due to a medical bill dated XX/XX/XXXX. This was a bill that I knew to have been paid on time, roughly XXXX years ago. I sent a letter via certified mail to the company stating that I was not responsible for this debt, and that they needed to prove that I owed it and cease all other communications. 

On XX/XX/XXXX I received an itemized statement from Commonwealth Financial Systems, which again stated the current balance at {$1100.00}. At this point I called the company to state that I did not owe the money as it had already been paid years ago. The woman that I spoke to on the phone confirmed that my current balance was {$0.00} - confirming that I owed them nothing. I stated that I should receive no further contact from them, and she rudely ended the conversation. 

If I have no balance owed with this company, why have I received two letters stating that I have a current balance of {$1100.00}? Is this not false representation of my account, as well as an attempted fraud?
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. There are several inquiries and accounts that were opened fraudulently that I didn't authorize. Additional inquiries, XXXX XXXX XXXX, XXXX, XXXX, XXXX dated XX/XX/2022. In accordance with the Fair Credit Reporting Act XXXX Account ( Experian XXXX, XXXX ) has violated my rights. 15U.S.C 1681 Section 602 A states I have the right to privacy. 15 U.SC 1681 Section 604A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Please have inquires removed from my credit file because it is making it very difficult for me to acquire credit. Thanking you in advance.
Product: Credit reporting or other personal consumer reports

Im really upset that an unauthorized inquiry suddenly appeared on my credit report today, and I cant understand why. I double-checked by refreshing the page, but the issue didnt go away. I demand an immediate and thorough review of the documents I sent to resolve this problem and give me peace of mind.
Product: Credit card or prepaid card

I joined an XXXX  business on XX/XX/2017, I have put on this card many charges from " XXXX '' from the initial sign up to many coaching programs. and other fees involved. On XX/XX/2017 I used my BARCLAYS card to purchase a XXXX program. The purchase was split between BARCLAYS card and another CC. The total was for {$25000.00}. I put down on this card $ {$10000.00} and {$3700.00} on XX/XX/2017. When I signed up for this program I was informed that I should be in contact with someone within 2 weeks to start my XXXX. I sent numerous support tickets and 3 phone calls and a few e-mails before I was finally contacted in XX/XX/XXXX and was suppose to start as soon as I got a XXXX. I only got in touch with my XXXX  finally in XX/XX/XXXX. We had ONE XXXX call to finally connect and the call was DISCONNECTED and the XXXX  never called me back. I tried several times to contact him, and others that that were involved in this process. I have attached all the information I sent to Barclays when I filed my dispute with them. I sent several e-mails to people in the company to find out what was going on and if I could not get this service I would like to cancel and get my money back. I never received and return call or e-mail from anyone all the way till XX/XX/2017. Other charges were for upgrading the level of the business, and monthly fees for other trainings that were offered with monthly subscriptions that were mailed home with cd trainings on how to improve your business. Well on XX/XX/2017 this company was shut down by the FTC. So now there is no way for me to ever get these services since the company was shut down for FRAUD. All the training sites were shut down we have no access to them any longer. I contacted Barclays and filed a disbute and they told me the charges would not be able to refund and the ones the they did were only a certain percentage.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability credit it is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate. 
XXXX XXXX ( Account XXXX XXXX as shown on your report
Product: Credit reporting, credit repair services, or other personal consumer reports

I was able to go into my experian and XXXX credit report when I first signed up less than 30 days ago. Now when I attempt to log in i keep getting an error message that my info is incorrect, which I know could not be correct because I saved my log in to my pc. After calling several numbers ( because Im locked out now ) I finally got someone on the phone that said they dont know what the problem is and could not help me. They told me to call me and hung up on me.
Product: Student loan

years ago my identification was stolen and this student loan was not opened by me.
Product: Credit card or prepaid card

USAA is NOT a company with whom one should obtain a credit card due to arbitrary and unfair clauses in their credit card agreement. 

I made a payment for {$11000.00} on XXXX XXXX, which USAA shows as paid on that date, however, USAA refuses to update the available credit until XX/XX/2021 even though the payment has cleared the U.S. domestic checking account upon which it was written. USAA has subsequently sent me notifications that I must make a payment in order to continue to use the card and also denied charges. If I make payments and you refuse to credit them, what else can I do, USAA?? 

The credit card agreement states that payments received by XXXX will be credited the date of payment if they are drawn on a XXXX XXXX or within 5 days if they do not meet that requirement, however, it then caveats they reserve the right to withhold credit availability on any payment. The inclusion of the clause 'We reserve the right to withhold credit availability on any payment. '' allows USAA to create arbitrary and unreasonable reasons to withhold posting payments and updating available credit to the detriment of the consumer even when evidence demonstrates valid payment. 

I reached out to customer service where a lengthy phone call could not resolve the issue, their executive resolution team could not resolve the issue and I was finally referred to the office of the CEO to obtain the name of the CFPB to file this complaint.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I was denied for an apartment due to XXXX XXXX. I HAVE NEVER HAD DEALINGS WITH THIS COMPANY. THEREFORE IM CONFUSED ON WHAT THEY COULD BE REPORTING OR PROVIDING PROPERTIES ABOUT ME.
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX stated we only applied for pre-approval of said loan. I did not see any loan papers ( contracts ) from GreenSky stating number of payments, size of payments, length of term, interest rates, options for down payments. ( XXXX ) There was a paper flashed in my face with Greensky lenders header at top, which showed 4 % interest under $ XXXX and 7 % Interest over $ XXXX dollars. 
There was total deception, of true interest rates. 
We informed Dentist we had to get a badly needed head-to-toe physical for wife and prior arrangements/appointments to get done. 
Dentist office stated they would stand by and wait for our call. 
Dentist pulled {$32000.00} in my name same day as consultation. 
XXXX. claimed had built all my wifes dentures and retained $ XXXX. 
XXXX. refused to accept a {$5900.00} check, give us all the records/dentures and refused to restore GreenSky lenders. 
Even though a full line item- itemized sheet showed {$5900.00} was all current charges. 
It appears dentist office held/holds $ XXXX, but did not build dentures and had only performed the 3 simple procedures witnessed in office on day of consultation of $ XXXX {$300.00}
Product: Credit card or prepaid card

Today, XX/XX/2023, I tried using my replacement Vanilla Visa card at a local store. I had previously filed a complaint that was resolved by the company sending me a replacement card the end of XXXX. I had checked the card balance to see if it was authorized to use the first of XXXX. Today when trying to use the card at a local XXXX, I found that the replacement card had a XXXX balance and when I called the company was told that the replacement card had two debits on XX/XX/2023, from XXXX XXXX in California. I have never been to Calif. Was told it would be another 45-90 days for the dispute to be investigated. I don't understand how the card can be used when I have the card in hand. Is there someone from within the company who is leaking or giving out card information? Why should I have to wait another 2-3 months for the company to see that I did not make the charges and send another card. I told the rep I wanted this resolved today but got nowhere. The {$100.00} was a gift. Some gift! Once was enough, but twice this has happened. I really don't want another card, just the {$100.00} that was a gift from my family. Thank you for any help you can give me. I appreciate your assistance.
Product: Debt collection

Health care collections llc has two medical bills on my credit reports that were inaccurately billed! One for XXXX dollars and another for XXXX. Both of them should have been billed to my medicaide and were not! My insurance company had sent them a letter stating that all medical bills were to be sent to them and they did not receive it! I have disputed this it multiple times and it has been removed and re added! This needs to be removed from my reports asap as it should have never been placed there! Its not my fault there company did not process the billing correctly!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I and others are compensated for their negligence and that something like this does not occur again.
Product: Mortgage

I have yet to receive the full refund of my escrow account since closing XX/XX/2016. The full amount is {$2000.00} and I only got a partial refund of {$340.00}. I have not cashed the check yet since it was not the right amount. Greentree / Ditech new I was refinancing since they were notified that I needed the payoff amount of the loan. Since I was refinancing I needed to pay off my property taxes before closing so I paid the full amount of my property taxes that was posted XX/XX/XXXX and Ditech the XX/XX/XXXX. Attached is my notes.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I filed Chapter XXXX Bankruptcy. On XX/XX/19 it was XXXX. Included in this bankruptcy was a small dollar loan from MoneyLion. Since the discharge they have continued to willfully post incorrect information on my credit report. I contacted them and received a call back from a supervisor who took all of my bankruptcy information and assured me it would be fixed. However, it was not. The account was updated with the status showing as " paid-less than full/settlement '' and still shows a balance. Per federal bankruptcy laws this account should show as closed, XXXX balance, and as XXXX in Chapter XXXX. 

This is the 3rd time I've had to ask them to correct information. They have the correct information, they just continue to post false information purposefully. 

I've exhausted every avenue with them to get them to post the information correctly.
Product: Debt collection

On XX/XX/19 XXXX aka XXXX XXXX XXXX called a relative and asked for me. This company has never tried contacting me first. My mother stated the name of the person was " XXXX '', she blocked them and advised me of the call. I tried contacting them same day, some answering machine came on. Fast forward to XX/XX/19, I receive a call at my job ( where they don't have permission to call ) from a woman named XXXX XXXX on behalf of XXXX. XXXX stated that she was going to attempt to connect with with their " lawyers '' but the lawyer was " busy '', she then basically stated that they ( XXXX ) are threatening to sue me for a debt I allegedly owe. I asked her what the debt was and why she was contacting me and not XXXX, she then stated that they were hired to process the paperwork. I then stated at that time to send whatever they needed to, to my home address. XXXX then stated she would have we served at my home address and hung up. Today on XX/XX/19 I get another call from them at XXXX am CST. This alleged debt has never been verified from this company stating they're going to sue me. Please advise them to have the ORIGINAL CREDITOR send verification of debt to the address they have on file and to have XXXX stop harassing me on my work phone!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particular in light of 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 were impossible and tracking these transactions was unfeasible.the Cfpbs findings indicate has zelle had not only neglected to protect its consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting

My husband and I have been fighting to get a tax lien to reflect a paid status through Experian. We have sent proof of payment and a letter from the court. We 've worked hard to payoff our debts and deserve what is fair. The balance as of XXXX/XXXX/16 is still showing " Filed ''. 

They refuse to do this simple task for us. 

Please help
Product: Credit card or prepaid card

Citi Bank ( representing Home Depot Credit Services ) charges a {$2.00} fee even when a balance is paid in full. Citi advertises if a balance is paid in full the consumer will not be charged interest, when in fact the consumer is charge {$2.00} under the title 'Fees Charged. '' When challenged, Citi 's response is that is a minimum interest charge. If it is interest, list it as interest. Reality is Citi is charging interest on tens of thousand of credit cards they are managing for Home Depot even though accounts are paid in full. Citi collects for itself tens of millions dollars from Home Depot credit card holders on top of the 26.99 APR they charge the consumer when a balance is carried. Only one word comes to mind for me... greedy.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX Balance : {$11000.00}
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against XXXX, XXXX, and Experian regarding the continued reporting of a collection account by XXXX XXXX XXXXXXXX, which is in violation of the applicable statute of limitations under Oklahoma law. 

The collection account in question, identified by the following details : - Creditor : XXXX XXXX XXXXXXXX - Reported Date : XX/XX/XXXX - Balance : {$980.00} - Highest Balance : {$530.00} - Date Opened : XX/XX/XXXX pertains to an alleged oral debt, for which no signed agreement or written contract exists. According to the statutes governing debt collection in Oklahoma, the statute of limitations for oral debts is three ( 3 ) years, as prescribed by Okla. Stat. tit. 12, 95 ( 2 ).

Given that the purported debt was incurred more than three years prior to the current date, it is no longer legally enforceable. Despite the expiration of the statutory period, the aforementioned credit reporting agencies continue to report this debt as an active collection item. Such reporting is inaccurate, misleading, and constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ) ( 4 ), which mandates the exclusion of outdated debts from consumer reports.
Product: Credit reporting or other personal consumer reports

I have received a credit report that suggests I owe you something, but I have not seen any evidence to support this claim. Therefore, I demand that you dismiss all claims against me and remove any negative reports about me, especially if the reported items lack mandatory document evidence of verified factual proof of claim, reporting truth, accuracy, correctness, completeness, fullness, timeliness, ownership or responsibility of claim/reporting, and/or compliance with certified Metro 2 format reporting standards. I also demand that you prove your lawful authority to conduct business with me, as I will not conduct any business interaction with you under duress. If you fail to comply with this demand within 20 days of receiving this notice, you must immediately and permanently cease all derogatory or injurious actions against me, including but not limited to reporting or collecting unverified, untrue, invalid, or non-compliant claims or debts. 
Please be aware that any such behavior could be considered criminal harassment or extortion, and I will take appropriate legal action. Therefore, please rectify any alleged chicanery-laden subterfuge on my credit report by removing any delinquently reported items. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

First I want to specify that this is not a duplicate so please stop the discrimination because my complaint isnt the addressed you are to continuing to let this company take undue advantage of me because of my race. They did approve a deferred payment on XX/XX/2019  and did not apply that payment to the end of that loan and are asking money because they didnt do what they said they would, now you need to make them send me in writing a retraction if they continue to refuse to correct my account information. This is direct and out discrimination and I can not believe you as a regulator think it okay for Capital One to collect double payments. Fine this company and correct discrimination. Please do your job as this is wrong, wrong ....
Product: Payday loan, title loan, or personal loan

What happened was I had account with bank of America for more than 20 years, never was offered any products from them, was denied credit cards personal and car loans, others people that i knew haven't been a citizen in US and some were not citizens have gotten credit card personal loan, it must of been minority community, the zip codes, My salty was more than XXXX XXXX back then, now it's around XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX the Same, it's shameful
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account Number : XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX : XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX : XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account Number : 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
Product: Credit reporting or other personal consumer reports

Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand validation and verification of the alleged debt. Furthermore, it is imperative that you notify XXXX and Equifax to delete this information from my credit report immediately. The account in question is detailed and Unauthorized Accounts include the following : XXXX XXXX In addition, I am requesting for a copy of the 1099-C filed for the charged-off debt. XXXX must provide this to me, as the consumer, or you will be neglecting to comply with FEDERAL law. This leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. It is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. Failure to comply will result in legal action being pursued, including holding XXXX accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.