23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently ran my credit report and found a collection item on it from convergent outsourcing in the amount of ~ {$400.00}. They said it was from XXXX, however, I currently have my cell phone account with XXXX and have had the same accoutn since 1997. I called XXXX and they said my account is current and they show not past due debts that are owed. I want Convergent to remove this from my credit report and leave me alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 purXXXXpose.
Product: Payday loan, title loan, or personal loan

I purchased a XXXX back up system. It began having issues and XXXX XXXX, now XXXX XXXX, now XXXX. System does not work properly.
Product: Debt collection

I was laid off my job and this account was turned over to a collection company called Real Time Solutions. I received the letter from them in the mail and I called them to make arrangements on the account. I spoke to XXXX XXXX who set up a Hardship Agreement with me to make payments for {$150.00} a month for XXXX, XXXX, and XXXX of 2015. I was told to call back and set up more arrangements after those payments were made and I did to find out XXXX was no longer with the company and I spoke with XXXX who offered me a settlement on the account of {$1800.00}, and to make payments of {$150.00} a month for 12 month. XXXX representatives confirmed and assured me that they would not report me with the XXXX Credit Reporting Agencies and the account was settled. Since I have paid as agreed.I was also suppose to get a letter in the mail confirming the settlement of which I have not received. Today XXXX XXXX I received a email alert from XXXX XXXX where they did report me to the credit reporting agencies on XXXX XXXX, 2015 and are showing it as a new collection account open not settled for the entire amount that was owed. I called in and spoke to a Manager XXXX XXXX and he would not assist me. He told me even though it was reported after I was told it would not be and reporting inaccurately I would have to file and write a dispute letter to their company to correct it even though it was their error for reporting it. He also mentioned that the account could have been purchased by their sister company and reported by mistake? I would like the collection to be completely taken off all my credit reports as promised. I do not owe the amount reported and was told since I paid on time and settled the account they would not report it. I am set up to make my XXXX payment starting XXXX XXXX, 2015 by auto payment. He also stated that because the account was not paid in full they could report the original balance it was their right by Federal Guidelines. The conversation was recorded so you can request to hear the conversation. Lastly from the beginning I was told that because I have paid as agreed and entered into the settlement the account would not be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

PURCHASED  XXXX  USED  XXXX   XXXX   XXXX  FROM  XXXX    XXXX    XXXX  IN  XXXX  GA,  XXXX   XXXX . HAD ALOT OF PROBLEMS WITH VEHICLE AFTER DRIVING OFF LOT, THAT WERE VERY DANGEROUS. THOSE PROBLEMS WERE FIXED. NOW, THEY HAVE N'T REPORTED TO  XXXX  FOR 3 MONTHS AS AGREED IN CONTRACT LAST YEAR. THERE IS A CONTINUIOUS PROBLEM WITH THEM REPORTING THE WRONG AMOUNT OF PAYMENT DUE WHICH IS SUPPOSED TO BE  XXXX . THEY HAVE BEEN REPORTING  XXXX  AND  XXXX  WHICH MAKES MY DEBT RATIO 58 % AND HIGHER!! AND ALSO THE AMOUNT IS INCORRECT ON ALL THREE BUREAUS. THE AMOUNT I OWE IS ALSO INCORRECT ON ALL   XXXX   XXXX  . I HAVE BEEN TRYING TO CLOSE ON A HOUSE FOR A WHILE, BUT WAS DELAYED BECAUSE OF LIFE THREATENING HEALTH ISSUES. NOW, I 'VE BEEN DEALING WITH  XXXX  AND  XXXX   XXXX  FOR OVER A YEAR, AND  XXXX  IS VERY RUDE DISRESPECTFUL ON THE AVERAGE. AND WILL NOT COOPERATE. NEITHER  ONE  HAS CORRECTED THE PROBLEM OR NOT RETURNING A DOZEN PHONE CALLS. THIS COMPANY HAS CAUSED MY INTEREST RATE TO INCREASE FOR THE PROPERTY BECAUSE OF THEIR NEGLECT. THIS ONGOING ISSUE HAS SEVERELY AGGRAVATED MY ILLNESS, AND CONTINUES TO ON A DAILY BASIS.  XXXX  WHO WORKS WITH  XXXX   XXXX   {  LAWYER } FOR  XXXX   XXXX   XXXX  IN  XXXX  GA. I AM RETIRED   XXXX    XXXX  AND  XXXX   XXXX . HAVING  2    XXXX   XXXX  .  XXXX  ON   XXXX   XXXX   AND   XXXX   XXXX   14 MONTHS AGO.. THEY ARE SERIOUSLY AGGRAVATING THIS HEALTH ISSUE. YOUR HELP IS GREATLY APPRECIATED. I AM SEEKING RESTITUTION..  <P/>  XXXX ,.
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 were unfeasible. The CFPBs findings indicate 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 consumer safety.
Product: Credit card

I received a late fee charge in XX/XX/year> I informed the company about the changes the were made by the financial bureau that requires them to decrease the amount that can be charged for a late payment from XXXX to XXXX XXXX synchrony informed that those changes are not law and that they will not be decreasing the late fee charges, I informed the companys if late fee charges are decreased Ill be more than happy to pay the depth, the company refused, since then I have acquired late fees for XXXX, XXXX, and XXXX due to the fact they refuse to decrease the late charges in XXXX XXXX XXXX  Again I am willing to pay of original balance
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX Opened XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Bank account or service

This is a request for SunTrust Bank to reimburse me a total of {$100.00} for XXXX items ( {$64.00} and {$36.00} ), both for the same account. 

Item # XXXX : {$64.00} -- the merchandise I ordered on XXXX was not delivered ; this transaction was posted on XXXX/XXXX/2015. The merchandise was to have been delivered in 5 days. After 10 days, I attempted to contact the merchant via phone and email, but to no avail. I contacted SunTrust at this 10 days mark ( the end of XXXX ) after the merchandise was due. I have constantly been given the run around, each time with the promise that my request would be " escalated ''. Then, on XXXX XXXX, 2015 I was sent a merchant dispute form via email. I completed it, and sent it to the address listed on Saturday, XXXX XXXX via USPS Priority Mail ( so I have the tracking number ). Since then, I have called several times to follow up, and each time was told that it was under review. Once again, I called a couple of weeks ago and indicated that it had been over 3 months!! Once again, I was told that my refund request would be " escalated. '' Then on Friday XXXX/XXXX/2015, I received a letter from SunTrust ( dated XXXX/XXXX/2015 ) indicating that I had n't notified them in writing within 60 days, and they were not going to assist me. SunTrust sent this response despite the fact that I sent the form on XXXX XXXX via USPS Priority Mail to SunTrust, XXXX XXXX XXXX, XXXX, FL XXXX ; SunTrust reps acknowledged that they received the form ; and I have continually followed up over the phone! This is absolutely unacceptable! 

Item # XXXX : {$36.00} for stop payment. I was advised that I would have to call on the same day ( i.e., Thursday XXXX ) to cancel the stop payment and not incur the {$36.00} fee. I called at XXXX EST. I was told that I should have been advised that I had to cancel XXXX hour before they close -- i.e., at XXXX!! So I was XXXX minutes too late. The rep apologized for the misinformation then hung up when I asked to speak to the Manager! Unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not satisfied that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting incorrect information on WESTLAKE FINANCIAL SVC. Per FCRA, reporting must be 100 % accurate or the information must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed XXXX XXXX credit card account via credit bureau as fraud. Sent letters to XXXX XXXX asking for them to validate ownership of this account on two separate occasions with the last letter sent on XX/XX/2021 and both times XXXX XXXX failed to show proper documentation to show ownership of this account such as signed contract agreement of this account. When attempting to call XXXX XXXX on this situation they were not able to verify, find or pull up this account in their system. This account was placed with a third party debt collector and that account has since been removed from my credit report as this account was fraudulent and a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to properly secure my personal information leading to a public realease of my personal information without my consent. High ranking members then sold off stock before releasing news of the improper release of data, which is illegal insider trading and fraud. I 'm now highly vulnerable to credit fraud and my score seems way too low on XXXX XXXX. I want Equifax to send me all information and reports it has related to me, including credit, background, licensing etc, any service they provide in any industry that has any data related to me. I want a full reset to a perfect credit score and 5 years of credit monitoring.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

XX/XX/2019 I was a victim of fraud. I purchased tickets off of XXXX and paid through XXXX via my Chase checking account. Within an hour of the transaction I discovered the transaction was fraudulent and attempted to stop the money transferring, but soon learned I could not and that there is no consumer protection for this. I called the banks 24 hour customer service who further validated this. The transaction was still showing as pending when I called, since it was a Sunday night, but the woman I spoke with, XXXX, said that there was no way to stop the transaction.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

The XXXX finance account is reporting incorrectly. Equifax has repeatedly failed to accurately report this account. This account was positive paid as agreed and now it is reporting collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score went from the low XXXX 's to XXXX for now apparent reason. I tried to call all three agency and got a complete run around they tried to sell me their credit reports and wouldnt tell me why my credit dropped I told XXXX I asked them about the free credit report because of the covid situation. before they agreed to sent me one XXXX and Experian gave me a total run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and notice there were fraudulent accounts that does notbelong to me and never authorized any contracts and business with these companies. Thefollowing accounts are listed below : XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX Subject : Formal Complaint Regarding Identity Theft and Inadequate Resolution of Credit Report Disputes Dear Sir/Madam, I am writing to formally lodge a complaint concerning the mishandling of my credit report following identity theft and subsequent disputes, under the purview of the Consumer Financial Protection Bureau ( CFPB ). This complaint is filed under the protections and rights afforded to me by the following federal laws : - 15 U.S. Code 1602 ( p ) Definitions under the Truth in Lending Act ( TILA ) - 15 U.S. Code 1601 Congressional findings and declaration of purpose - 15 U.S. Code 1692 Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S. Code 1666 ( b ) Correction of billing errors I have been a victim of identity theft, which has led to unauthorized hard inquiries and the creation of fraudulent accounts on my credit reports maintained by XXXX, Equifax, and XXXX. I have taken the necessary steps to address this issue, including filing a police report and submitting a report to the Federal Trade Commission ( FTC ). Copies of these reports were sent to the aforementioned credit reporting agencies to notify them of the fraudulent activities affecting my credit files. 

Despite my efforts, including filing numerous disputes and opening several investigations with XXXX, Equifax, and XXXX, the unauthorized accounts and inquiries remain on my credit reports. These inaccuracies are adversely impacting my credit score and, consequently, my financial well-being. 

The persistence of these errors violates my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 ) and the Fair Credit Billing Act ( 15 U.S. Code 1666 ( b ) ), which mandate the timely correction of billing errors and inaccurate information in consumer reports.

The lack of appropriate action by the credit reporting agencies also undermines the objectives of the Truth in Lending Act ( 15 U.S. Code 1601 and 1602 ( p ) ), which aims to promote informed use of credit and ensure fair and accurate credit billing and reporting practices.

I kindly request the Consumer Financial Protection Bureau to intervene in this matter and take the necessary actions to ensure : 1. Immediate removal of all unauthorized hard inquiries and fraudulent accounts from my credit reports.

2. Rectification of any inaccuracies in my credit reports caused by these fraudulent activities.

3. Assurance that the credit reporting agencies comply with the regulations set forth under federal laws to protect consumers from identity theft and credit report inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX/XXXX   XXXX**** ; XXXX/XXXX  XXXX**** ; XXXX XXXX XXXX   XXXX**** ; XXXX/XXXX XXXX**** ; account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX  - XXXX, "
Product: Debt collection

I believe the account is invalid. NATIONAL RECOVERY AGENCY needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.NATL RECOVER XXXX
Product: Checking or savings account

as of today XX/XX/XXXX Robinhood as locked my account for no reason I been with the company since XXXX i.jave weekly deposits for jobs and ect ... nothing new all the same transaction everyweek. 
I contacted Robinhood they said I had a restriction on my account so sent the documents they asked for so.they can resolve it ( never told me why my account was in a restriction ) I never violated any contract agreements as of today I have {$1200.00} in my account that I can not get off and I have talked to them three times and they have not responded its been 4 hours now n they blocked me from calling them.. they are hackers they steal money for fun I guess. Robinhood is wrong on so many levels.. I did everything they asked
Product: Credit reporting or other personal consumer reports

My Date of Birth is XXXX. I want that on my credit report. It is showing just the Date as XX/XX/XXXX. Please make my credit report for my personal information as follows : Date of Birth as XX/XX/year>. Thank You.
Product: Mortgage

I am having the same problem from last year with the escrow. Last year you helped me keep my house by protecting me. They heard you and they spread my escrow to XXXX months. That way my monthly mortgage payments were feasible.. 
I just got a letter saying my escrow is back to XXXX months. They are not sticking to there words and they are making my escrow back to XXXX mos. Making it impossible for me to pay my monthly mortgage payment. 
Phh had never helped me with anything, all they want is there money or put me in foreclosure. They never work with me. 
Please help me! they listen to you before. Help me keep my home. Thank you again
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not been able to pull my credit report or lift my credit report for over 30 days. First they claim it's because there were open disputes, then they claimed I changed my pin to lift freeze, now they are uncertain way it was changed or ever lifted.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts from my credit report. I am a victim of a data breach, and the accounts listed below were fraudulently established in my name without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of these fraudulent accounts. 
Accounts to be blocked and deleted : XXXX. XXXX XXXX XXXX XX/XX/XXXX {$2700.00} XXXX. XXXX XXXX XX/XX/XXXX {$820.00} XXXX. XXXX XXXX XX/XX/XXXX {$10000.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX {$1300.00} XXXX. XXXX  XXXX XXXX XX/XX/XXXX {$1000.00}
Product: Credit card

I received the attached court documents regarding a credit card account with CAPITAL ONE. I have never received any unpaid bill or credit collection regarding CAPITAL ONE. It is not on any of my credit reports. So confused.