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

I am filing this CFPB complaint to report that my credit has been unlawfully used and that unfair practices are being conducted by XXXX, Experian, and XXXX. Not only have they added items to my credit without my written consent, but they also do not have the correct addresses on file. Specifically, I have noticed the following erroneous accounts on my credit report : Account # XXXX Balance = {$2100.00} Account # XXXX Balance = {$2000.00} Account # XXXX Balance = {$1000.00} Account # XXXX Balance = {$340.00} Account # XXXX Balance = {$1100.00} I urge an immediate investigation into these matters to safeguard consumers rights and ensure fair credit reporting practices.
Product: Credit card or prepaid card

I got a Costco Credit card from Citibank over 2 months ago. The company failed to send me any bills in the mail and I did NOT authorize e-billing. All of a sudden I started to get collection calls saying my account was overdue. I went to my online bank site to pay Citi ( despite not seeing a bill ) but I have no address to put into the site so I can pay. Logically, I call the phone number on the back of my credit card to try and resolve the problem but, after going through multiple menus, the automated phone service says they will transfer me to an agent but then the line goes silent. I waited in silence for over 20 minutes with no response. So, I'm not getting a bill mailed to me, am getting automated debt collection calls, and am unable to reach anyone in the company to talk to.
Product: Vehicle loan or lease

I paid off my XXXX XXXX XXXX on XX/XX/XXXX in the amount of XXXX. I then ran into on issue with my odometer statement. XXXX stated that I had not filled out the statement correctly. I then called back everyday from XX/XX/XXXX- XX/XX/XXXX to ensure they received the correct statement and it was filed correctly ( even after receiving email and verbal confirmation that it was done correctly ). On XX/XX/XXXX I spoke to a woman at Hyundai who stated my title had been submitted for release and to not call back for 5 business days. I waited 5 business days before contacting again. On XX/XX/XXXX I was then informed that my title had been missing since XX/XX/XXXX, almost a year before Hyundai allowed me to pay off my car. Hyundai finance told me that dealership I originally purchased my car from, or the DMV, had not filed paperwork correctly to send my title to Hyundai finance. I then called both the car dealership and the DMV. The dealership informed me that they sent the paperwork on the day I leased the car. The DMV then told me that they sent Hyundai the title on XX/XX/XXXX. Hyundai is now saying that they have done their due diligence to get the car title - even though the last attempt they made to receive my title was on XX/XX/XXXX. They are now saying that they can not send me any title and I need to wait 3-5 business days to even hear from someone at Hyundai. It has been almost 20 days since Hyundai has taken money for my car with little to know work being done to obtain my title.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again. 
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
Product: Debt collection

On XX/XX/XXXX, I sent a letter to XXXX XXXX XXXX whose address is XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. I sent a letter in reference to multiple collection accounts I had found from them on my XXXX Credit Report. I asked for verification and validation. I received a letter from them dated XX/XX/XXXX which  included simply a list of all of the supposed debts that they were attempting to collect on. They never provided documentation from the original creditor or anything at all that had my signature on it. They provided nothing to me that proved they have a legal right to collect this debt. It is not enough for to simply send you a printout of the amount owed. In fact, shortly after their response letter to me on XX/XX/XXXX, they began listing these supposed debts on my XXXX Credit Report. They were never listed on my XXXX Report at all prior to this time, and most of these supposed debts show open dates three or more years ago. It would appear to me that after my request for validation/verification that they not only did provide to me the required documentation but also retaliated by adding the supposed debts to another credit bureau report. Since XXXX XXXX XXXX has not provided any of the requested documentation to me, I insist that all of these account be deleted from my XXXX, XXXX and XXXX  reports immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is stating I owe a bill. I disputed the debt with XXXX XXXX and they failed to provide copies of the bill statement showing the charges. 

Now my credit score has been impacted due to adverse credit reporting.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$1300.00} DTEDPXXXX  XXXX {$14000.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX {$13000.00} XXXX   XXXX {$480.00} XXXX XXXX {$24000.00} XXXX XXXX XXXX {$610.00} XXXX XXXX {$620.00} DTEPXXXX   XXXX {$7900.00} XXXX XXXX {$13000.00}
Product: Credit reporting or other personal consumer reports

ASPEN National collection In according with the fair credit reporting act XXXX  account # XXXX, has violated my right. 
15 USC 1681 section 602 states I have the right to privacy. 
15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on TransUnion Report XX/XX/XXXX  and I noticed that this Inquiries had been made
Product: Prepaid card

It has been an ongoing problem with Google, Inc regarding the Google Playstore credit available on my account. I have contacted Consumer Finance Bureau and filed a complaint on XXXX XXXX XXXX with the complaint number Case number : XXXX. 

To give a brief overview of what is going on, I have purchased Google XXXX gift cards worth {$2000.00} from XXXX Store in XXXX XXXX with an intention of buying Google Devises from the XXXX website. I was later confirmed that XXXX credit can not be used to buy devises and I was told by the customer service that they would add the credit to my google account " XXXXXXXXXXXX '' and then they would refund it back. 
After numerous phone calls and over XXXX different emails, I have filed a complaint with the Consumer Finance Bureau. 

I have heard a response back from Google and below is the response : " Google Inc said : Explanation of closure hank you for reaching out to my team about your Google XXXX gift cards. I understand that you meant to use them to purchase Google XXXX hardware, and are disappointed that, as described in our Terms of Service, Google XXXX balance ca n't be used to purchase hardware and ca n't be refunded. 

Due to your particular circumstances, as a one-time-only courtesy, I 'm able to refund the full amount remaining unused This refund payment wo n't cover any fees incurred by accepting it. 

If you are based in the US please complete this form : XXXX If you are outside of the US, please complete this form : https : //support.google.com/googleplay/contact/wire_form Thanks for your patience. 
" Since I have received the reply, I have submitted the requested form as stated and since then Google has been taking me for a ride. 
I was suppose to receive {$2000.00} and they reply back saying they have sent it. I have never received my {$2000.00} in to the given bank account details. 
Every time I contact them over the email, I always get a reply that they are working on the refund and their higher up team is going to respond to me. 
Even after numerous emails, I have never received the funds. All I get is a silly response that they have sent the refund but when I ask for the details, they do n't have XXXX on when they sent the refund or where they sent the refund. 

I am just getting tired of this round abouts and I am not at all getting any kind of response. 

I would really like CFPB to step in and help me know what is happening with my refund. 

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

I am writing to request an update to my personal information on file with all three major credit bureaus : Equifax, XXXX, and XXXX. My correct and current information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WY XXXX, United States Employment : XXXX XXXX XXXX  XXXX Additionally, I would like to formally request that XXXX remove the incorrect address listed on my credit report as follows : Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX There is no law preventing the removal of inaccurate or outdated information from credit reports, and as this address is not valid or associated with me, I ask that XXXX promptly delete it from my record.
Product: Credit reporting or other personal consumer reports

Each credit bureau is not reporting accurate information. The creditors are reporting this as charged off but they are showing a balance due no 1099 was ever received even though they reorted this as a bad debt none of the last dates active is the same XXXX has the account listed twice as a repo but started reporting in XXXXXXXX XXXX XXXX  as a charge off XXXX has thus account listed as a charge off but has been reporting as a paid as agreed
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes. This is in light of the recent CFPB lawsuit highlighting significant issues with the platform. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. I have been using Zelle for five years, since XX/XX/year>, and the lack of accountability / transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXXXXXX XXXX XXXX this isn't 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 XXXX has me at a score around XXXX. 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and this company that is making money off me while maintaining my credit in the ruins and selling my information to third parties. 

After reviewing my credit reports I noticed that AMSHER COLLECTION SERVICES are alleging that I owed an amount of {$1400.00} to them without furnishing any proof of verification of this debt or that they followed all laws and regulations to report. 

I have continuously reached out to discuss this matter and Amsher Collection Services has denied all communications with me and never responded within the time frame required by law. 

Pursuant to 1692g, i requested the Method of Verification for the said account and AMSHER COLLECTION SERVICES failed to comply as well in a timely manner. 

This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute.
Product: Debt collection

RAS LVRAR has not send accurate verifiable documentation that I owe any debt BEARING MY SIGNATURE. I sent a letter on XX/XX/2021 asking to validate and this company has not done so properly.
Product: Debt collection

I received an alert this morning that a collection was added to my report. I've never heard of this company before. Never received any correspondence or calls.
Product: Debt collection

Account Name : ELAN XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$5100.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$2400.00} Reason : Identity theft Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I have no knowledge of any such hard inquiry or attempt for credit with the companies listed below. I have no supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt or inquiry, in fact therefore exists. 

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
Product: Checking or savings account

I experience the worst customer service ever. I have never receive such degrading, belittling, discriminating service. I called today regarding 2 fees I received and tried to explain t the rep and manager XXXX XXXX that I check my account yesterday and it was not negative. When speaking to the rep I was advised this was due to the charges processing and this is not reflected on line. However once escalated, XXXX XXXX basically told me I was a liar and I NO system at BOA EVER has glitches. I admit this statement made me very irate as I hate for someone to lie. I was told by my co workers who are a different race they call ALL the time and our granted fees with no hesitation however I was treated poorly. I understand that my account is a non factor as I am aware I don't keep a lot of funds in this account however I have been a loyal customer and expect to at least be treated fair. For your rep to basically call me a liar after I offered proof is not only disappointing but unacceptable and confirms the discrimination I received. The only reason I decided not to close my account at this moment is due to me providing my account number for a huge deposit I am anticipating. However, I have sent the company an email requesting to change my information. In addition, I will be reaching out to anyone I know BOA has no integrity. XXXX should not be representing your company unless this is what your company is
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 platform. Despite using Zelle numerous times and reporting discrepancies, my financial situation and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect customers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries/inquiries on my XXXX, Experian, and XXXX credit report. I recently retrieved my credit report and it showed numerius credit inquiries that I have no knowledge of ever authorizing.
Product: Debt collection

The company ERC ( Enhanced Recovery Company ) out of Florida has violated federal law by reinserting a collections account to the credit bureaus. This account was added on XXXX, XXXX, XXXX. I legally disputed this account and it was removed on XXXX, XXXX XXXX. The account was reinstated on XXXX, XXXX XXXX. This violates my rights and federal law. I employ that you see this company stops it illegal and unethical practices by violating people civil rights and federal law.
Product: Mortgage

I did not ask set up escrow account when I got mortgage loan from HOMEPOINT. I had paid only premium and interest, which was {$1400.00} every month since XXXX XXXX until I got a letter from XXXX ( new mortgage company ) in XXXX. It was said I had {$2100.00} dues in the escrow account and I had to pay. I tried to contact with HOMEPOINT, but they refused to give me record about escrow account payment. I pay {$1600.00} ( {$180.00} extra ) instead of XXXX every month ( for 12 months ) to avoid impacting the credit score.
Product: Debt collection

There is a XXXX account listed on my credit file as if I had a credit card and did n't pay in the last couple of year which is NOT accurate. I have disputed this several times and only received a collection notice which is not validation. Please help
Product: Credit reporting or other personal consumer reports

Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for 1099-C Form for Charged-Off Credit Card Account Dear Navy Federal Credit Union , I am writing to formally request a copy of the IRS Form 1099-C related to the charged-off credit card account associated with my membership at Navy Federal Credit Union. The account, which was charged off and reported on my credit report, pertains to the following details : Account Number : [ XXXX ] Date of Charge-Off : [ XXXX ] As per IRS guidelines, any canceled or forgiven debt over {$600.00} is required to be reported to the debtor via a XXXX form. To ensure my records are accurate and to meet my tax filing obligations, I kindly request that you provide me with this form at your earliest convenience. 

Additionally, I would like to confirm that income from the charged-off debt should not be reported on my credit report in compliance with applicable laws. Please ensure that the information reflected in my credit report is accurate and aligns with the legal guidelines.

You may send the requested documentation to my mailing address listed above or to my email address if electronic delivery is an option. 

Should you require additional information to process my request, please do not hesitate to contact me at [ XXXX ] or [ XXXX ]. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, [ XXXX XXXX ]
Product: Debt collection

A company calls at least twice a day attempting to collect a debt that I do not owe, I have talked to someone at least once a year and th ey tel m e they have my home phone number for someone else other than me, the company continues to call me year after year for the past 8 years. They stop calling fro m one nu mber then call from another number. At this point, no one answers when I pick up and I believe they are robo-calling, it is annoying and I now believe this company should compensate me for the years of repetitive calls for a debt that is not owed by me!
Product: Debt collection

This is regarding complaint number XXXX This issue is still not resolved. I got a email from Affirm. It says : Your loan has been charged off XXXX, Your loan XXXX has been charged off because you've had an overdue payment of {$390.00} for XXXX or more days. We will no longer contact you and your loan may be referred to a third-party collection agency. You are still responsible for your overdue balance, which can be more than your overdue payment. Sign in to your account to see more details. If you've already made a payment, please ignore this message. Thanks for using Affirm! If you have any questions, you may call us at ( XXXX ) XXXX. Loan ID : XXXX If you need help, visit our Help Center. You are receiving this email because you conducted a transaction with Affirm. Visit us at affirm.com to view our Terms of Service or our Privacy Policy. I do not owe this debt at all. On XX/XX/2023 I returned the equipment back to XXXX and XXXX XXXX siad that they got the equipment back. On XX/XX/2023 I sent prrof to Affirm at XXXX XXXX XXXX that I sent back the equipment like they asked. Affirm has not fixed this matter and it has been several months.