23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I broke my lease 4 months early on XX/XX/XXXX due to medical issues. I did advise the rental community of this decision and was aware that I would have to pay a buyout fee. I was then billed by Fair Collections and Outsourcing for a balance signifanctly higher then I was originally quoted. I received a notice advising me that I owed a balance of XXXX to satisfy the delinquency. Upon receiving copies of the rental agreement ( requested by mail ) I found a host of errors which caused the balance to be inflated. I left the residence XX/XX/XXXX,  however I was still being charged for XX/XX/XXXX rent. I also saw a bill for the a/c stat damage. This was already an ongoing issue prior to me moving in and I informed leasing office of this. Lastly I noticed I was being charged for a washer and dryer that I never owned. Nowhere in my lease does it state I was going to be charged {$49.00} for something I never had. I spoke with a representative and requested a copy of my lease which indicated that was something in the contract. I have yet to receive it to this day.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card XXXX XXXX  Account # XXXX with a balance of {$420.00}. This account was previously reported as fraudulent and was removed from my credit report on XX/XX/year>. According to the Fair Credit Reporting Act ( FCRA ), specifically **15 U.S.C. 1681s-2 ( a ) **, any information reported must be accurate, and the re-reporting of this account constitutes a violation of that law.
Product: Money transfer, virtual currency, or money service

I am a normal individual. Not wealthy, not poor. Simply normal. I saved up a large sum of money XXXX {$400.00} ) to invest in cryptocurrencies. Of course, I chose the most trustworthy service : Coinbase ... Or so it seemed. 
At first, my experience was a dream come true. I invested in bitcoin at {$10000.00} before a meteoric rise, bought a full Litecoin, and purchased about {$60.00} in Ethereum. However, troubles came when I tried to sell my coins as promised by the company. I filled out the ID verification as requested an submitted it. Somehow, though, my account was found to be " restricted '' within an hour. This means that I can not buy, sell, or trade with the account. I ca n't even withdraw the money I invested. 
I put my trust in this company and all they 've done is spite me. My assets are now worth {$600.00}, nearing {$650.00} by the hour. I 've opened tickets, sent messages on their XXXX, and DM'ed on XXXX, but they refuse to actually answer. I pray that you 'll answer my cries for help and resolve this issue. 

For those who are not accustomed to the malpractice associated with this " business : '' DO NOT INVEST HERE. THEY DO N'T CARE FOR THOSE WHO FUND THEM AND CERTAINLY ARE APATHETIC TO OUR PROBLEMS.
Product: Mortgage

As of XX/XX/XXXX, my equity position is greater than 22 %. 

My Mortgage Lender, Ocwen Loan Servicing LLC, has not released me from PMI, despite an XX/XX/XXXX written request for : a ) immediate termination of PMI, and b ) refund of PMI fees incurred since XX/XX/XXXX. 

In response to my letter of XX/XX/XXXX, Ocwen sent me a letter stating that PMI is " scheduled to auto termination ... on XX/XX/XXXX. '' Please note that per the amortization schedule ( provided by Ocwen ) PMI is scheduled to auto terminate on XX/XX/XXXX. However, I have purposefully overpaid my principle for the express purpose of PMI release.
Product: Debt collection

Repeated calls and voice mail from this number identifying themselves as XXXX Focus Receivables, a debt collection agency and requesting a callback. They provide no reference account numbers or details then ask me to leave information. I do n't owe any debts to anyone and these calls are disrupting my right to quiet enjoyment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is a XXXX  account on my credit report and i tried to dispute this with experian and they continue to keep it on my report it needs to be removed immediately i filed a dispute with XXXX XXXX and XXXX  and they both removed it immediately from my report. experian is the only XXXX given me trouble and its not just this account also XXXX XXXX XXXX, XXXX XXXX XXXX.these accounts are identity theft and are fraudulent activity that i reported to experian and they consistently keep leaving this information on my report. this is violating my rights as a consumer and ask that this is fixed immediately it is affecting my report and i am trying my hardest to address this issue with everyone involved but they continue to leave it or say that that the information is accurate but it is not accurate and isnt authorized by me whatsoever and i am telling them it is fraudulent activity but they continue to deny me my rights i disputed these accounts multiple times to just have experian tell me that they are not going to remove it XXXX and XXXX both removed it only experian is allowing this fraudulent activity to stsy on my report please remove these accounts from my credit report immediately please
Product: Credit reporting

So after spending hours on the phone weeks ago because of a lock on my credit and told to fax my social card and drivers license in to remove it I did.. Then I was told EQUIFAX removed my name from my social. So I was then told weeks ago the lock was removed and all was fine. So I then went to my bank to get a loan and they did pull my credit. So I am thinking my credit is unlocked. WRONG! My Social number pulled up my dads info!!! We have the same name but I 'm a XXXX and he is a XXXX We live at the same address but my birthday is XXXX/XXXX/XXXX and his is XXXX/XXXX/XXXX! So how does my social now pull up his?! So I called personal solutions and they pulled up my dads credit with MY social. They said I need to merge it and sent me to the " mixed department ''. When I got there they pulled up my credit that is MINE and MINE only just to tell me there is still a lock on it! I said well when the bank and personal solutions department brought my credit up with my name of XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX SC XXXX it brings up my dad. Well the " mixed department '' said they do n't see my dads but only mine. REALLY?! Also then I was hung up on by a " XXXX ''. I then called back and she was still NO HELP! How can ONE company with SO many departments bring up different credit reports on me but each department say I only have XXXX credit report and do n't know what to do about it???!!! I was then told to ONCE again fax my SS card and Drivers license and wait ANOTHER 48 business hours. 

My credit ONLY active accounts I have is a XXXX XXXX credit card with a {$4000.00} limit and a XXXX credit card with a {$7000.00} limit. THATS IT!!! Now if you look up my credit and if it has a mortage thru XXXX XXXX XX/XX/XXXX and a XXXX XXXX XXXX credit card from XX/XX/XXXX and a car loan thru a credit union in XX/XX/XXXX. THATS MY DADS NOT MINE! ..
Product: Credit reporting or other personal consumer reports

Informed them of the following. 

Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, non verbal per 15 US Code 6802. 

The company has already paid off debt and I have not received the XXXX for the accounting. 

I would like to include security fraud as, As HOLDER IN DUE COURSE of the original contract I, XXXX XXXX XXXX by law are to receive at least 80 % of the interest collecting on the security from the first and second market. 

Fraud fee applies as well {$100000.00} ( see fee schedule )
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank is reporting a balance of XXXX but commenting that acct was paid for less than full balance. When I negotiated a settlement, I was told that there would be no negative reporting to the credit bureaus. Obviously XXXX did not keep their end of the bargain. Hopefully you can help me or I will have file a lawsuit to getting this matter cleared up as it is hurting my ability to get a home loan.
Product: Debt collection

I received services at the XXXX XXXX on our about XXXX. During that time I became unemployed and was eligible for insurance through the state. I amassed {$1000.00} in medical bills and advised the XXXX XXXX that I was covered by state insurance but XXXX XXXX refused to bill secondary insurance. They sent the account to Atlas Financial Services and I received court documents on XX/XX/XXXX that I was being sued for {$1900.00} which was an additional XXXX dollars over what I owed. After calling up the collection agency and attempting to make an agreement with them I was then advised that the case was dismissed due to XXXX XXXX XXXX failure to bill the secondary state insurance which would have covered the entire bill.
Product: Debt collection

On XXXX I've filled a compliant against Synerprise Consulting Services regrading their violations of FDCPA and HIPPA. The case number is XXXX. Until today, Synerprise Consulting Services still unable to provide debt validation and a copy of my signature with XXXX XXXX  to release my medical information to Synerprise Consulting Services. 

On XX/XX/XXXX, Synerprise Consulting Services did respond my compliant with CFPB, and agreed to remove and delete this collection from the three major credit bureaus. However, until today, Synerprise Consulting Services didn't make any requests to remove or delete this collection from any of the three major credit bureaus, instead of they made a new report to XXXX on XX/XX/XXXX regarding this collection. 

I demand that above-mentioned derogatory item be permanently removed from my report from all three major credit bureaus immediately. Otherwise, I will fill the case with XXXX XXXX small claim court and Federal court to seek damage from Synerprise Consulting Services.
Product: Credit reporting

I got my credit report XXXX months ago for the first time in XXXX yrs, I saw a lot of incorret accounts that was not my account, I contacted the creditors XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, I told them the accounts on my credit report is not my accounts at all, XXXX days later the all sent me letters & called me & told me this accounts was unverifable & inaccouate & it was somebody elses accounts in the letters sent to me the accounts to be deleted from my credit report because this accounts is not mine, EQUIFAX REFUSES to Delete This inaccurate & unverifable accounts that states in the letter.
Product: Money transfer, virtual currency, or money service

I am writing to file a complaint regarding issues Ive encountered with Zelle, the peer-to-peer payment service, and the ongoing lawsuit involving unauthorized transactions or fraudulent activities. 

I have experienced unauthorized transactions, money being sent without my permission, or lack of resolution from Zelle or the bank involved. Despite attempting to resolve this issue by contacting both Zelles support team and my bank, XXXX XXXX  and XXXX XXXX XXXX XXXX, I have not received a satisfactory resolution. 

Zelle has failed to provide adequate protection against fraud or unauthorized transactions, or the company has not responded promptly to my complaints. I am concerned that Zelle does not adequately safeguard users from such risks, and I seek assistance in resolving this matter.
Product: Checking or savings account

please see handwritten attachment ( scanned ) labeled 1 on side ( notebook paper ) and should be  XXXX to XXXX.
Product: Bank account or service

I was a recipient of a UDAAP violation wit PNC Bank. I received XXXX overdraft fees due to a deception with account information in the contract. I currently have overdraft protection on my checking account. but when I switched too XXXX checking accounts and a savings account my overdraft protection only covered my main checking account. This information was not shared with me in my initial contract or when a similar situation happened last year. I received my overdraft fees on Thursday XXXX XXXX and my direct deposit was received on Friday XXXX XXXX. I had XXXX transactions on XXXX XXXX and I was fine letting the transaction go through because my overdraft protection would pull the additional funds from my savings account. I had plenty of money to cover the overdraft in my savings account. I tried to resolve the issue directly with PNC Bank but they are refusing to further investigate the call that was done exactly a hear ago and if the representative explained the limitations of my second checking account. As I first stated this is a UDAAP violation of my protective rights as a consumer. The contact was deceptive t explain my account limitations of overdraft protection and the representative was deceptive by not explaining the detail of my contract when the situation happened a year ago. I was only informed about this on Friday XXXX XXXX in detail and now understand.
Product: Credit reporting or other personal consumer reports

I have had several companies ran my credit and have left hard inquiries on my credit report none of which I authorities XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX CAPITAL ONE Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX
Product: Debt collection

Starting XX/XX/XXXX, my credit report received a notice of a NON PAID DEBT currently in " Collections '' from a Company called Franklin Collections in XXXX, Mississippi which they reported as a " DEBT '' Owed XXXX XXXX XXXX. I have never lived in Mississippi. NOW, Franklin Collections is sending adverse information every 2 days to the Credit Reporting Bureaus in violation of Federal law related to " harassments ''. I filed a dispute with the Credit Reporting Bureaus requesting proof of debt, date debt was incurred and any other information related to this debt. Franklin Collections filed a false " certification '' of the debt to the collection bureaus and did not provide a copy of he " proof ''. XXXX XXXX XXXX does not have authority to even operate in Mississippi according to he Mississippi Public Service Commission. I am not aware of any amount due to XXXX XXXX XXXX. Company : Franklin Collections SV, XXXX XXXX XXXX XXXX, XXXX, Mississippi XXXX. TEL : XXXX. There are numerous of Federal Law and I request you take federal ( Fair Credit Reporting Act ) action against this company as Congress has given you enforcement authority. The date of the debt is wrong as it shows the debt was incurred in XX/XX/2019 which is false and proof that the company violated federal law! There is no collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX Equifax too out of my XXXX XXXX XXXXXXXX for balance decrease when XXXX gave XXXX points. 
On Friday XX/XX/XXXX they took off my XXXX XXXX XXXXXXXX points for no reason.
Product: Credit reporting

I am a victim of identity theft. I have attached documentation. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. Later, XXXX had another leak related to a XXXX account which gave away my information again. I have attached documentation. Several accounts were opened in my name as well as several inquiries. I disputed the following inquiries and the company responded saying that inquiries had to be addressed directly with the creditor. I mailed each creditor and did not receive a response. I found incorrect information on my credit file and I disputed this directly with the creditor and the credit reporting agency and no investigation was ever made. I followed the rules under the Fair Credit Reporting Act and this agency has not honored my right to dispute the following inquires : AN # XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX AN # XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX previously filed a complaint with the Consumer Financial Protection Bureau and Equifax requested that I mail so identity documents for their review. I will not mail documents through the USPS and allow Equifax to claim no receipt of the requested documents. I am attaching to this complaint all documents they have requested - including a copy of my social security card, current and valid state driver 's license and my home insurance policy showing my name and address of the home insured which matches my home address. I request this process be handled through this government protection agency as Equifax has proven not to respect my rights under the Fair Credit Reporting Act.
Product: Debt collection

Received a collection notice at my work address XX/XX/23 for dept not associated with me. Tried twice to contact the company and I provided them with the notice ID from the collection notice. They would not proceed without me giving them my personal details and this is not my debt so I was not comfortable with giving them my personal details. I attempted to verify that my day of birth was # # in order to know they likely had my info and they would not proceed then needed all my details.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The following accounts listed below are stillreporting on my Credit Reports and need to be corrected immediately : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XXXX. XXXX, 2023 tried to look up credit report on Credit Karma through XXXX and my social security number and address not matching my name. I do believe there was an identity theft and worried cause I'm unable to apply for anything. Would like to fix my credit.
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 recent CFPB lawsuits 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 was impossible and that tracking these transactions was infeasible. They shut down my chase account and I couldnt use Zelle. The CFPBs finding indicates that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. I submitted my police report and all my findings from the detectives to all the credit bureaus since XX/XX/19. I have been sending in numerous letters. This would be my 7th letter to the credit bearueas to try to resolve this. This is taking a toll on me and my family. 

Its two accounts that are left. XXXX XXXX and XXXX XXXX XXXX. These accounts are not mine. I called both creditors and they both informed me that they can not associate these accounts to me. I asked Transunion to send whatever information they are using to verify this debit and they have yet to send me anything. I have a right to know how this is being verified. If the creditors are NOT associating me with this how is Transunion. These accounts have been deleted off my other credit bureaus but Transunion is giving me a hard time. 

Also -- XXXX XXXX XXXX on my credit report is also reporting inaccurate. This account is closed/charged off. why is it reporting open on my credit report? When I contacted the creditor they definitely told me that this account is not open and has been charged off. Please delete this account it is inaccurate. 

XXXX XXXX-Inaccurate reporting ; Please delete I reached out to XXXX XXXX  to verify this debt because this is not my debt. I called XXXX XXXX and they stated that they do not have sufficient time to investigate the alleged debt, nor do they have any information associating me to it. What information are you finding to verify or associate me with this debt? Please send me your proof you are using. Please delete if you are not able to send me viable proof that this is my debt. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction and concern about the repeated and unsuccessful attempts I have made to remove fraudulent items from my credit report with Credit Bureaus. Despite providing extensive documentation and evidence, these fraudulent items persist on my credit report, causing significant harm to my financial standing. I initially reported the fraudulent items and since then, I have submitted attempts to rectify the situation. Each time, I have supplied the necessary documentation to support my claims, yet I have seen no tangible progress toward their removal. The presence of these fraudulent items on my credit report has detrimentally impacted my financial health, and I am determined to resolve this matter promptly. I, therefore, insist on a thorough and immediate investigation to correct and remove these fraudulent items from my credit report. I trust that Credit Bureaus is committed to ethical and responsible reporting practices that prioritize accuracy and fairness. I believe in the importance of fair and accurate reporting, and I request your support in achieving this. I kindly request a prompt response to this complaint. I am asking for your help to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

i received my credit report on XXXX XXXX and notice there were hard inquiries that dont have permissible pourpse to be on there.these hard inquiries are hurting me for getting approved.i already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that dont have no purpose to be on my credit report.