23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX. XXXX XXXX is my husband. On XX/XX/2023, XXXX purchased the loans and this was placed on my credit. On XX/XX/2023 via certified mail ; I request validation of the debt of all of different amounts reported on my credit. ( Same account number which was XXXX, but different amounts ). First, with the help of the XXXX XXXX XXXX ; I found out these accounts were sold to XXXX. XXXX first denied it, but they PURCHASED this account in the amount of {$27000.00}. This was an agreement between XXXX, US Dept of Education, and XXXX. Then on XX/XX/2023, XXXX from XXXX stated, " XXXX  XXXX XXXX Account # XXXX ; Education XXXX XXXX XXXX XXXX XXXX ) has reviewed your concerns. Following is history of the nine loans in question held by XXXX that match the first & last name, mailing address and email address provided by you on this complaint. '' XXXX stated that this account belongs to XXXX XXXX. I have never in my life been identified as XXXX XXXX. To this date XXXX, XXXX, or US Dept. of Education has yet to provide to me an original signed contract in addition, XXXX provided proof to myself and XXXX  that the nine accounts belong to XXXX XXXX. XXXX wishes for me to accept this as an simple typographical error. I REFUSE TO!! I have been reporting on multiple occasions that the loans are not mine has here is proof and XXXX. XX/XX/2023 the XXXX discount the amounts XXXX XXXX, the amounts as reported on my credit do not have a payment amount further proof that there is not accounts associated with me and these entities. This company provided alledged spreadsheets. All the proof that was given to me by XXXX, showing further proof that their records was and can be altered, .i.e. the account belonging to XXXX XXXX. These accounts were falsely generated.
Product: Checking or savings account

For months, I have been having issues with PNC about connecting my account to third party apps. PNC have prevented me from being able to link my accounts and I am sick of it. This needs to be corrected or I have no choice but to leave and go someone else. I understand that they are trying to protect our accounts but if we are given the option to follow the correct steps for apps to have access to our accounts, why not allow these apps to link the accounts. This has been going on for a while and I am sick and tired of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXXX-16 at XXXX I spoke with XXXX at XXXX XXXX XXXX XXXX . We reached a settlement agreement and he promised my debt will be deleted from my report after payment. Auth # XXXX for payment. The account is still on my credit report as a negative item.
Product: Credit reporting or other personal consumer reports

I have requested an initial reinvestigation of the XXXX XXXX XXXX accounts listed above due to the furnishing inaccurate and incorrect information on my consumer report. Your company has been put on notice for furnishing incorrect and inaccurate information. I have sent you several requests asking your company to cease and desist on reporting inaccurate information on my consumer file. I have enclosed my previous letters showing you that the information you are reporting is indeed inaccurate. Reporting this inaccurate information has caused damage to my reputation, my character, and my general ability to obtain credit for myself or my family. Pursuant the law listed below, the reporting of inaccurate information is prohibited by law. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Accurate definitions The term accurate means free from error or defect ; consistent with a standard, rule, or model ; precise; exact. 
free from error especially as the result of care Accurate information, measurements, and statistics are correct to a very detailed level. 
free from mistakes or errors In conclusion your company has been put on notice that you are reporting inaccurate information. I have enclosed several documents showing that this information is inaccurate. The continued reporting of this inaccurate information is a clear violation of the law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. This is a final opportunity to CURE and DELETE this inaccurate account from my consumer report. Also failure to comply will be a violation of 15 U.S. Code 1681n Civil liability for willful noncompliance.
Product: Debt collection

I had XXXX XXXX XXXX  XXXX at XXXX XXXX - XXXX XXXX XXXX XXXX, I was seen in XXXX XXXX  on XX/XX/2018, and XXXX  on the next morning. I received a bill from XXXX XXXX XXXX XXXX for {$1400.00}. I sent them a letter after getting a bill for their services, I sent them a letter with all the information for my Kentucky XXXX, so they could get paid. Never heard anything until I received a letter from collection agency. I called XXXX and spoke to 2 people and they informed me that XXXX XXXX XXXX XXXX had never submitted a request for payment for their services. When on the phone with XXXX they informed me that a bill must be submitted within 1 year from the day services were done. So XXXX XXXX XXXX XXXX never sent a bill to XXXX to be paid even though they had all the correct information to bill XXXX. So I believe they messed up on the billing and then turned it over to Wakefield and Associates for collection. The collection agency thinks that I should pay the bill even though I wasn't the one who forgot to submit a invoice for payment. I am attaching all documents that I have concerning this, to prove what I stated above. The letter from Kentucky Cabinet for Heath and Family Services states clearly I had no co-payments or deductibles to pay.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns over Zelle handling and disputes, partially in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle various times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering the funds was impossible. I feel betrayed bc I really trusted Zelle with my money. This is unacceptable and raises concerns about customer safety.
Product: Money transfer, virtual currency, or money service

Hello My name is XXXX I am filing a complaint against CASHAPP on XX/XX/XXXX I sent {$270.00} dollars from my cash app account to my other cash app account that I no longer have access to by mistake i try to cancel the transaction but was unable to. I immediately contacted cash app support and they said they would try and let me gain access to my account I answered All questions and they can clearly see it is my name on both accounts and they denied me access to my own funds I have tried this over 20 times with o help at all I even went to find my debit card number which was an hour drive away to a bank I no longer have and entered it in the cashapp log in and they denied me access once again I need to get my money back because I work hard to earn my money it is not free or given to me I jave all conversations by email and dates I have contacted them which is on a weekly basis and two or three times a week since XX/XX/XXXX This is unacceptable and deceptive of the company that states they can help especially being able to verify all my information address and everything with my current account, as if they are going to steal my money because what will it do just sit there in an account that is not being used
Product: Credit card or prepaid card

i placed a fraud alert on my credit report transunion and ever since ive been denied every thing ive applied for i cant even get into my accounts without showing my drivers license then when i send it in it takes another 5 or 6 days to get back to me i want this fraud alert off my credit report today ive had enough of it i dont need it on there i thought i was doing something else ive asked 3 or 4 times to hae it removed but they still have it on there i applied for a XXXX XXXX XXXX  credit card just to be denied and i have great credit im very upset with this credit card company
Product: Debt collection

Daily computer phone messages from The Offices of Arnold Scott Harris asking that I call XXXX. No debt is owed, and I have not received any written notice of any debt. I have lived at my current address for more than 13 years, and if I owed a debt, I should have received a written notice of past due payment. How do I make the computer stop calling? Attempts to call the phone number they leave just leads to more computer interactions that go no where.
Product: Debt collection

We are receiving robo calls from Navient XXXX two or more times a day except on the weekend. When we pick up it states to select an option to connect to loan agent. We do not have any loans and are older and retired. I looked up the company and it is for student loans. Neither of us had a student loan. We would like the calls to stop.
Product: Credit reporting or other personal consumer reports

Subject : Pre-Arbitration Letter Regarding the following accounts XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX Dear Experian I am writing to formally notify you of my intention to resolve a dispute regarding the above-referenced account through arbitration, if necessary. However, before proceeding to arbitration, I would like to offer an opportunity to resolve this matter amicably. 

The nature of the dispute is as follows : incorrect billing, unauthorized charges, unverified debt, I am requesting the following resolution : Removal of collection debt or settlement offer. 

To avoid arbitration, I am willing to engage in good-faith negotiations. Please respond to this letter within XXXX days to confirm your willingness to resolve the matter. You may contact me by email or phone XXXX XXXX If I do not receive a satisfactory response within the stated timeframe, I will proceed with arbitration as provided under the terms of our agreement and applicable laws. 

Thank you for your attention to this matter. I look forward to resolving this dispute. 

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

What in the world is happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are.. I asked Transunion where did they get this information and provide proof of ownership but not a single account was proven to be mine. The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report -- - XXXX XXXX  ( Original Creditor : XXXX  ) XXXX, XXXX XXXX  ( Original Creditor : XXXX  ) XXXX, XXXX XXXX  ( Original Creditor : XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX  ) XXXX, XXXX  ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX  XXXX XXXX ( Original Creditor : XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

This is my MULTIPLE request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$7100.00} ; XXXX XXXX XXXX XXXX  XXXX : {$4200.00} ; XXXX XXXX XXXX : XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX**** XXXX  XXXX**** XXXX/XXXX XXXX** XXXX XXXX XXXX**** XXXX  XXXX & XXXX XXXX**** XXXX/XXXX XXXX**** XXXX XXXX   XXXX**** Chapter XXXX  Bankruptcy
Product: Student loan

I was placed in forebearance and deferment programs for years when I qualified for public service loan forgiveness program and IBR payment plans. I worked as a XXXX in low income area since XX/XX/2006.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 a medical company in the name of advantage financial services reported on my credit of a unpaid past due bill. The bill was paid by my medical insurance beforehand. There was nothing on my side that made me responsible for this debt. I disputed the information after seeing my credit score drop from XXXX to just about 700. I disputed the charges with XXXX. I was told that the Advantage would not take it off. I then received proof of when my medical insurance paid it and that it was not paid late. I disputed it again. The only change is the amount was dropped down to XXXX with the conment added paid under original amount. I have been getting my credit turned down because of this and the ones that approved me want 3.0 % more!! This is ridiculous and has devastated my situations where I have needed credit. Please get this off
Product: Credit reporting or other personal consumer reports

This is my 9th attempt to dispute the information in my credit file which resulted from an incorrect credit report details. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any items in my file that resulted from an incorrect credit report entry, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 ) XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$11000.00} 3 ) XXXX XXXX XXXX XXXXXX/XX/XXXX 4 ) XXXXXXXX XXXX XXXX XX/XX/XXXX. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter  PLEASE HELP ME PLEASE
Product: Credit card

NCD Financial LLC located in XXXX XXXX, Idaho is continuing to report late payments on my consumer report in violation of 15 USC 1681 2 ( A ) ( i ) Exclusions from a consumer report, which clearly states : The consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. This is how the law has been interpreted in XXXX XXXX : A late payment is considered a consumer transaction punishable with a late fee, not by reporting negative information on the consumer 's credit report.
Product: Debt collection

I am filing a formal complaint regarding an invalid debt collection attempt related to an Affirm loan that I fully paid off. 

The loan started beginning on XX/XX/year>. I paid the loan in full on XX/XX/year>, yet the collection agency is attempting to collect a debt that does not exist. This is an error, as my payment records clearly show the loan was satisfied in full, and no outstanding balance remains.Therefore, I am requesting the CFPBs assistance in investigating this matter and ensuring that the debt collection agency complies with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).
Product: Vehicle loan or lease

I financed through westlake financial for a used XXXX XXXX XXXX in XXXX of XXXX. In XX/XX/XXXX I used that car as a trade in with XXXX XXXX and they sent westlake a check for my payoff amount. The next day, before they got the check, my monthly auto payment came out. With the payoff being the full amount and then my payment coming out, there was a XXXX something dollar difference that I was supposed to receive a check for. I called them to let them know I moved addresses and they said they changed it on file. A month later I hadnt gotten the check and they said they sent it the day before that to the new address and it would be there within XXXX weeks. Then a month after that on XX/XX/XXXX I called, still not having received it, and the person I spoke to said the check was sent to the old address even though they said it was changed. I have called them 7 times now and asked for a supervisor. This supervisor isnt a supervisor whenever I call and they tell me the check was sent of different dates. Ive been told it was sent on XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX and Im yet to receive my {$430.00}. They keep avoiding any direct questions I ask them and have refused to give me a tracking number for the check that they have sent out to me. After 3 months of fighting with this company theyve only expected me to give up on it but I still want my money back.
Product: Vehicle loan or lease

I sent a letter to XXXX XXXX XXXX XXXX explaining a Billing Error on my account. I explained that also I believe the dealership tried to take advantage of my consumer credit saying we needed to make a {$9000.00} downpayment. 

After several attempts at requesting arbitration the dealership has ignored all of my correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

After I have called the credit reporting agencies a couple of times and had representatives hang up the line while placing me on hold. I am not moving a step further to get remedy for being violated. This is just a courtesy complaint to allow the credit reporting agencies a chance to fix what they have messed up before I go straight to US district court to collect remedy. I have accounts listed such as XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX and XXXX, XXXX  XXXX and XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX that are not mine and I require that they be removed. I tried to giving an oral and written instruction to the CRAs so now this is my written instruction in this complaint. I require that you remove and correct all I have listed in this complaint. You are currently in violation of 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Product: Credit reporting or other personal consumer reports

Complaint name : XXXX XXXX XXXX complaint dobXXXX complaint ss # XXXX contents of complaint.This cfpb complaint has been filed pursuant to XXXX XXXX that you transunion, experian, equifax credit reporting agencys block delete information that is a result of idenity theft and fraud within XXXX business days of you receiving this complaint.There is XXXX fraudulent inaccurate accounts : # XXXX XXXX XXXX  acount # XXXX balance of {$63.00} opened fraudulently on XX/XX/year> # XXXX. grain acount # XXXX and # XXXX XXXX XXXX XXXX XXXX acount XXXX balance {$500.00} # XXXX XXXX XXXX  acount # XXXX balance {$1400.00} # XXXX. XXXX XXXX  acount # XXXX balance {$26000.00} these accounts was not opened made or initiated by me.i am attaching the FTC report # XXXX as proof.delete the aforementioned accounts within XXXX business days or I am filing a lawsuit and demanding {$1000.00} per violation of my federally protected rights under the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.these accounts are the result of idenity theft/data breach.
Product: Payday loan, title loan, or personal loan

I was contacted by a debt collection company collecting for Check into Cash in XX/XX/XXXX. I was informed of an outstanding debt of XXXX and entered into a payment agreement with the debt collection company. In XX/XX/XXXX I received documentation that the debt had been paid and that the issue was resolved. Since this point, I have had XXXX other companies reach out to me to collect on this debt. The latest was on XX/XX/XXXX. I feel that Check into cash is selling incorrect information to XXXX-party vendors for debt collection purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. The XXXX credit bureaus to validate these accounts. 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 : {$24000.00} XXXX XXXX XXXX : {$0.00}