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

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the 2015 OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE.
Product: Credit card

I was trying to look to online school and than the company some how it change me {$170.00} without my permission See I have apply credit and it on my XXXX wallet and I was looking at the school throw my XXXX I tried to contact the school more than one time for over weeks than I called my credit company to help me but they didnt do help me only keep dispute with out no sense why they have the right to take my money that I didnt made for it
Product: Credit reporting or other personal consumer reports

Considering these unauthorized inquiries, I kindly request your prompt attention and investigation into this matter. I am confident that your institution places great.

importance on customer satisfaction and security, and I trust that you will take the necessary steps to resolve this situation effectively.

As a first step, I would appreciate it if you could provide me with details.

information pertaining to the alleged accounts, including any associated.

transactions, applications, or account activities. It is crucial that I review this.

information to assist in the investigation and help identify any fraudulent activity that may have taken place.

Furthermore, I kindly request that you suspend all activity and remove the related. 
alleged accounts immediately, including any associated fees, charges, or penalties. 
I expect that no adverse actions will be taken against me due to this unauthorized account activity, as I am not liable for any actions taken without my knowledge or consent.

I understand that resolving this matter may require some time, and I am prepared to cooperate fully during the investigation process. However, I kindly request that you keep me updated on the progress and provide me with regular communication regarding.

the steps being taken to address this issue. 
Please be assured that I have taken immediate steps to protect my personal and financial information. I have changed my passwords, enabled additional security. 
measures, and alerted the relevant credit bureaus to monitor my credit reports for any suspicious activity. 
I want to express my sincere hope that this situation can be resolved amicably and swiftly. I believe in the professionalism and integrity of your institution and am. 
confident that you will manage this matter with the utmost attention it deserves. 
Should you require any further documentation or information from me, please do not. 
hesitate to contact me at the phone number or email address provided above. 
Thank you for your immediate attention to this matter. I eagerly await your response. 
and a resolution to this concerning issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/XXXX I submitted a complaint with the company inquiring validity of the debt, I have not been contacted since. The debt that they are saying I owe is dated back 7yrs ago. I believe my information has been compromised and has been purchased by this company to obtain money from me. This company is making fraudulent claims that I owe a debt that does not exist. In addition I researched this company and they have an extensive number of complaints relating to my matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit on XX/XX/XXXX, I discovered new items on my credit report. All reported the same day on XXXX. I immediately let them know it was fraud. These caused severe damage immediately for my credit score.

Collection Agency SCA COLLECTIONS Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$190.00} Amount {$190.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX SCA COLLECTIONS XXXX XXXX XXXX XXXX XXXX NC XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and Transunion are incorrectly reporting the XXXX partial account number XXXX. ( Please see page 16 of the attached credit report. ) This account was fraudulently opened by a housekeeper I had who stole my identity. I called and filed a formal complaint with the police department immediately after I discovered that this account had been opened. I have attached a copy of the officers contact information. I did not open this account, nor did I authorize anyone to open this account. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report, XXXX XXXX XXXXXXXX information is conflicting between two different credit bureaus. The date opened, the high credit, the last reported and the date last active are all different between both Transunion and XXXX. The information is not valid and needs to be deleted. This has been a hinderance to my lifestyle and has affect me tremendously. 

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX Acct XXXX XXXXXXXX XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than the records of convictions of crime which antedated the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

On XXXX XXXX 2015 I placed an order for {$17000.00} with XXXX. On XXXX XXXX I discovered a discrepetcy in my invoice and contacted them and attempted to cancel the order. The representative refused to cancel the order. I then immediately contacted American Express to dispute the charge. On XXXX XXXX XXXX XXXX shipped and upon arrival I refused them. American Express took off the charge but applied {$9700.00} to our account for a 35 % restocking fee and for parts XXXX XXXX claims had already been engraved prior to shipping. Futher more XXXX Precisions declared restocking fee is only 10 %. XXXX sent me a letter informing me I had 60 days to take delivery of these parts or they would be destroyed. I have made several attempts to do so as well as my attorney and they refuse to speak to either of us. They are also charging us storage fees on these parts that they refuse to send us. The deadline to take delivery is approaching and the parts I have paid for are to be destroyed. American Express has clearly failed to protect our interests in this matter, we provided them documentation that we attempted to cancel the order within XXXX hours of placing it. We also have filed XXXX disputes and in every case American Express sided with XXXX XXXX despite the fact we have not received any of the merchandise they have forced us to pay for and we are also being forced to pay for fraudulant restocking fees. American Express has an obligation to ensure that their customers purchases are protected from fraudulant companies.
Product: Mortgage

Hi, Please could you help. I have contacted Shellpoint Mortgage/NewRez multiple times about money owed back to me but they keep ignoring me. I refinanced out of my former loan with them ( loan # XXXX ) on XX/XX/XXXX - per the attached is the wire payment of the loan in full from the escrow officer. 

The payoff statement calculated by Shellpoint Mortgage for a loan payoff date of XX/XX/XXXX was provided by Shellpoint Mortgage ( attached ). The loan was however paid off 8 days early per the wire instructions email from escrow. There is a {XXXX0} daily payment on the loan, so since it was paid 8 days early, {XXXX} should come back to me. Instead they sent me a check on XX/XX/XXXX, almost 3 months later for {XXXX} ( attached ). 

I have reached out to them multiple times but they dont do anything and just ignore me. They are stealing money. 

They have on occasion sent me a secure message by email but the link never works and I have told them about it but they ignore that too. 
XXXX XX/XX/XXXX I received a secure message - I click on it within minutes of receiving- but it says " The file link is no longer valid or has expired '' - On XX/XX/XXXX @ XXXX I receive another secure message - click the link at XXXX - but it says " The file link is no longer valid or has expired ''. I email back - no response ( email attached ) On XX/XX/XXXX @ XXXX I email following up again - link does not work- and I am ignored again ( email attached ). 
Time and time again they send links that cant be opened. They ignore me when I reach out and months later they don't give people the money they owe. They are stealing money and ignoring clients when they reach out. 

Please can you help since they are unresponsive. 

Thank you, XXXX
Product: Debt collection

I received a bill from a collection agent, first National Collection Bureau , Inc for the unpaid balance for an XXXX XXXX XXXX. The original creditor is XXXX XXXX XXXX for the amount of XXXX. I never purchased this phone. My family of XXXX is on XXXX and all of our XXXX  were purchased through our cell company XXXX or XXXX XXXX. I can prove through my credit that is true and accurate.
Product: Credit reporting or other personal consumer reports

I have now for Is the past year or Too I have sent in multiple disputes Is crediting Bureau 's and I have gotten gotten little results Except from XXXX, they have efficiently for the most part done their best to accurately Credit profile but Is XXXX and XXXX have both bear Barely put in any effort on fixing or making accurate The anacrasies on my credit profile and thus I have had issues getting business funding.And it has caused a great deal of stress and XXXX  To my day to day life I can not get my business up off the ground.Nor can I get XXXX XXXX  Because of my damage credit.I have sent in multiple dispute letters and Gotten very little help in getting the inacracies fixed.I 've been denied I've been denied for business loans and personal credit loans.That I was going to use to leverage to Expand and make my business profitable
Product: Checking or savings account

Gday!

Im a private seller and sell digital items such as games, providing boosting service for gamers and streamers, such as unlocking camos & skins in the games, boosting game statistics, provide XXXX XXXX, and also sell game XXXX 
Being active on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, recently XXXX XXXX We usually accept only PayPal payments which are sent via PayPal friends & family, because our digital goods & services can not be shipped. 
On the XXXX of XXXX a customer who purchased something from us on XXXX XXXX and paid via PayPal friends and family, opened a case on XXXX and wanted a chargeback, we contacted him, he didnt respond yet. 
PayPal demanded proof of fulfillment of the order, which we have submitted it alongside further info about our business, later they demanded supplier info and a professional license, we explained to PayPal that we dont provide nor deliver any physical product and have no supplier ( full scripts on the pics/files ), but few minutes after submitting that, today, we have received an email from PayPal, saying that our account is permanently limited, money is on hold etc. 
Please i want to restore my account that i can continue my business. 
Thank you!
Product: Debt collection

XXXXXXXX XXXX called to collect a debt I do not owe. They refused to understand it is not me who owes this debt and threatened to take me to court. I am XXXX and in a XXXX and find this XXXX and want them to stop calling. 

They call all the time but I answered this morning XXXX/XXXX/17 and she berated me and threatened me for a debt of over {$3000.00}. 

My daughter called them and spoke to them and told them to stop calling or she would contact their attorney and go after them for harassment as their actions are illegal, she says.
Product: Credit reporting or other personal consumer reports

Disputed a late payment for XX/XX/year> ( was not 30 days late ) after verifying with XXXX. Was not removed from my credit report.. also, my score just decreased again for a balance increase with XXXX despite my account still being current.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent to 3 Credit Bureaus multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In 3 Credit Bureaus ' responses make the claim that has not initiated any disputes on my behalf due to the fraudulent or high-risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it was deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that have been damaged. List of items that are UNKNOWN to me : XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This Citibank Best Buy inquiry on my XXXX credit report is % XXXX not mine and it has gone unnoticed up until now. Ive tried calling the number but its asking for my social security number, so Im reaching out to you whom I trust completely. Im happy to talk to anyone I have to about it anytime
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year>XXXX  Please remove it from my credit report 2. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report 5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report 6. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report 7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report 8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report I did not consent, nor did I benefit from the following accounts. They are fraud and please remove immediately.
Product: Credit card or prepaid card

On XX/XX/2021, I logged into my Synchrony Bank Home credit card account. I opened this card to finance new beds, and at the time I had excellent credit. I received a promotional offer, wherein I do not have to pay interest if paid within 5 years. I have made the last 12 payments on time, and above the minimum required, in order to pay it off within the promotional time frame. My issue is that when logging in today, I notice that for the SECOND time in less than 12 months, the bank has reduced my available credit limit. Normally, I wouldn't care, because this card is specific to one store, and I won't be using it again once I pay it off. My complaint is that while I'm paying it off according to the terms, they are reducing the credit limit, which hurts my credit score. I have been financially impacted by COVID-19, so my overall credit has taken a hit along with millions of others. Why do they think it's ok to reduce my credit limit, when I have not demonstrated negative behavior with their credit line? I understood the first time they did this. They sent a letter to notify me, and I wasn't pleased, but I understood that my overall credit health can have a negative affect on current open credit lines. Now a few months later they are doing it again. I get no benefit from paying this off if they constantly shift the available credit line, since it makes it look like I've maxed out this line of credit. I'm in a lose lose situation, and it isn't right that this is allowed. The company said that there is nothing they can do, and will continue to assess my credit account every 3-6 months and reduce my limit as they see fit. These actions contribute to holding me back from building my credit back up from a set back in the first place. After my call in to them, they made it clear that the only thing they look at is my credit score, not my history of on time or early payments with them. Even though I have a perfect history with THEM, I'm being penalized for other areas out of my control, after the fact and without much notice. This last credit decrease occurred on XX/XX/2021, the same day they say they mailed out the notice. I still have not received any notice of credit limit decrease, I just happened to log in to my account and see it.
Product: Debt collection

I don't recall having a XXXX relationship with this collection company SPRINGOAKCAP. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
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 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 unfeasible. The CFPBs 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

2 accounts that should be off my credit report, they still showing up as delinquent. They should be off since XX/XX/year>. I paid off my XXXX XXXX credit card since XXXX, it showed on my XXXX report that I have late payments from them.