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

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to XXXX5 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

I am a former customer of TD Bank and filed a fraud dispute for two transactions : XXXX XXXX on XX/XX/XXXX for {$410.00} XXXX XXXX on XX/XX/XXXX for {$400.00} These were unknown and unauthorized charges. I called and filed a dispute for both to find out today neither were ever entered or filed. Since then I have closed my account. This is very disheartening as TD Bank has allowed someone to get away with fraud. 

My SSN is XXXX ... XXXX ... XXXX. I no longer know my account number. My DOB is XX/XX/XXXX. My address is on the complaint.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX  XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : {$41000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} - tied up XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX Balance : {$580.00} XXXX & XXXX Original XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$2400.00} XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00}
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian concerning the deletion of my credit report and the subsequent lack of resolution despite multiple attempts to address the issue. 

Background : - In XXXX, I initiated a dispute with Experian to remove inaccurate items from my credit report. 
- Instead of correcting the inaccuracies, Experian deleted my entire credit report. As a result, I no longer have a credit score reported by Experian. 
- I have made numerous attempts to resolve this issue by contacting Experian : I called Experian multiple times over the past. It's ridiculous how Experian treats us. Zero respect, and barely I could talk to live representatives. 
- On XXXX, I was able to speak with a live agent who assured me that the problem would be fixed within seven days. 
- As of today, XX/XX/year>, no action has been taken by Experian to restore my credit report, and I continue to lack a credit score from them.

Impact on Me : - The absence of my credit report has adversely affected my ability to obtain credit. 
- It has caused significant stress and inconvenience, as I am unable to monitor my credit.

Resolution Sought : - I request that the CFPB intervene to ensure that Experian promptly restores my credit report with all accurate information. 
- I also ask that Experian provide a written explanation for the deletion of my credit report and confirm the correction in writing once the issue is resolved. 

I trust that the CFPB will address this matter promptly to ensure compliance with the Fair Credit Reporting Act and to prevent further harm to my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has refused to provide proper documentation to verify the information on file. 
They have also refused to provide how the information was verified. 
They refused to conduct the investigation within the 15 day timeline. 

XXXX needs to delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been removed from XXXX XXXX and Innovis it should not be in my credit report at all it should be deleted since they claim they use this 3rd party service Innovis XXXX XXXX and XXXX XXXX has a bad address. This is not my account it should be deleted
Product: Debt collection

I am repeatedly getting calls over and over up to 12 times a day by this company when I cant answer because its during my work hours. Then they start calling my contacts/references up to 6-7 times per day. This is harassment towards me and my references. I called them back when I went on break and told them I would be in when I got off work and to stop calling my references/contacts because they are calling me saying their job is in jeopardy after their phone is repeatedly ringing. And to take this contact off of my contact sheet. Even after I told them them this they called my contacts 2 more times and myself two more times. I have saved all the call logs and also got all my contacts call logs to show the amount of harassment we are getting from this company.
Product: Debt collection

Doctors overbilled insurance company. After insurance company paid bills, they continued to come after me for residual balances that they should have written off because of payment accepted from insurance company.
Product: Credit reporting or other personal consumer reports

My account with these company was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Student loan

On XX/XX/XXXX, the day my refund was to be disbursed into my account, via the companies website, my banking information was changed at XXXX XXXX  while I was sound asleep. When I woke up, Id received an email informing me of the changes. I immediately called ECSI and was accused of changing my own information. That makes XXXX sense. I am in need of these funds, badly. ON XX/XX/XXXX, Customer service first told me it would be fixed in XXXX business days. I waited, nothing happened. Called back on XX/XX/XXXX Then I was told XXXX business days. I called back on XX/XX/XXXX and was told it had been processed and fixed and would update on XX/XX/XXXX. Waited and just like before, nothing. On each follow up call I am told something different. Today, on XX/XX/XXXX I am now told XXXX  days. Upon doing research I find out that this company has had multiple complaints for this very issue. Some consumers never received their money yet had to pay it back. Today I requested the employees name and ID #. She said her name was XXXX but refused to give me her ID #. I could tell from her accent that she was not American. When I asked which location she was at I was told they are in XXXX  XXXX. So our Government loans are being handled by other countries. This is not acceptable. 
My bank said that they have reversed the transaction on XX/XX/XXXX. Something isnt adding up.
Product: Checking or savings account

I made a deposit in the amount of {$1100.00} dollar on XX/XX/XXXX that was supposed to be put into my Savings account. I filled a deposit slip out and informed the teller that I did not know my account number. I received notification of account activity and proceed to find that funds were missing from my Reserve account with PNC. After further investigation, I found that the writing on the deposit slip with account number were not my own hand-writing. The teller took the liberty to fill out the deposit slip account number without my consent and put the amount into the incorrect account. Resulting in the amount being placed into my checking account without my knowledge. 

I contacted PNC Corporate on XX/XX/XXXX, when the issue came to my attention. I spoke with XXXX, XXXX and XXXX XXXX in the retail relations. They informed me that issue would be risen to the branch manager and the teller would receive coaching. I do not feel that this is satisfactory.
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$780.00} XXXX  XXXX XXXX Balance {$1500.00} XXXXXXXX XXXX XXXXXXXX Balance {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1100.00}
Product: Debt collection

I graduated from college in XXXX. Several years ago I consolidated my student loans with Navient. Since then I have improved my credit rating tremendously, I now have a credit score close to 800. I received a letter from Pioneer Credit Recovery in XXXX of XXXX about a student loan that I did not pay and did not know about as I thought all my federal student loans were included in my consolidation with Navient. I sent a letter to the US Department of Education in XX/XX/XXXX along with supporting documentation ( it is attached ) and I didn't receive a response. What's interesting about the collection agency being Pioneer Credit Recovery is that ( according to a XXXX search ) they are a division of Navient, that has my SSN, DOB, address ( where I have lived for over 5 years ) and my phone number that has not changed in well over a decade. Why would I just now be contacted about this loan? My XXXX, {$1800.00} tax return was off set this year. And I still owe over {$2700.00} due to fees and interest. On XX/XX/XXXX at XXXX I spoke to employee ID XXXX and requested a validation of debt. To date, it has not been received. In an attempt to move on with my life and keep my excellent credit rating, I have offered a settlement of {$1000.00} and it is being rejected. I think {$2800.00} for sending ONE letter a year ago is a pretty good deal, wouldn't you agree? My complaint is that the federal government nor Pioneer Credit Recovery have done their due diligence to collect on this loan and I should not have to pay the inflated fees and interest. Thank you for your time.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX Account number : Your NAME : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/24 Dear XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes 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. Zelee neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit card or prepaid card

To my knowledge, I was never late on my Bloomingdale credit card with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/XXXX which is not true. I have had this credit card since XX/XX/XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date, but also have tried to pay more than the minimum amount.
Product: Mortgage

We have applied for a rehab purchase loan FHA XXXX FHA CASE # XXXX is the name, AmeriFirst Bank XXXX # XXXX and my loan officer is XXXX XXXX XXXX XXXX # XXXX and his assistant XXXX XXXX XXXX XXXX # XXXX, the loan that we are doing with them has become a night mare the contractor that XXXX and XXXX provided his work does not pass the City of XXXX XXXX XXXX in Illinois the inspector name is XXXX XXXX XXXX, CBO Assistant Director, City of XXXX XXXX. The inspection has not passed 3 times there are safety issue so the work can not continue, the contractor already was paid the 1st time and on the second draw we decided not to allow payment as the work is not completed by code. We have spoken with XXXX and XXXX and they keep stating that the contractor is fine and FHA Consultant so we have called the FHA consultant XXXX XXXX contact # XXXX that is our inspector and XXXX XXXX XXXX another inspector to please check the work that was being completed and both agree it is wrong and needs to be corrected. So when we asked for the bank to have the contractor correct the work he declines and states it is done correct and he went and placed a lien on the title of the home. So know we are asking for the bank to allow us to seek a new contractor and they are giving us a hard time. While this has been going on back and fourth for about 8 months and we are know where closer resolving this matter. I was then referred to a loan officer that was nice enough to explain and direct us to the CFPB to place a complaint and open an investigation as to why you can not obtain another contractor and why the back wants me to only work with this contractor that will not do right by the work he is to be paid to complete. The contractor name is XXXX XXXX contact XXXX, name of company XXXX. We have placed several complaints with the Illinois Department of Financial and Professional Regulation Division of Real Estate on said date XXXX/XXXX/2016 and XXXX/XXXX/2016. We are asking for help as we are living in a unsafe home with our children we have no choice. Please contact me on my cell XXXX XXXX cell XXXX and XXXX XXXX cell XXXX.
Product: Debt collection

Capital One continues to report erroneous claims of a debt via two accounts listed ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have not been verified as accurate and there has been no information furnished to me about the process used to validate the debt.
Product: Checking or savings account

from XXXX to early XX/XX/XXXX my debit card was used at an online casino for a total of {$2500.00}. I went into the bank filled out a dispute got a new debit card and given intial credit of XXXX, then in XX/XX/XXXX pnc took my hard earned money back and said they completed there investigation. Really? This money was stolen from me and pnc allowed this to happen.
Product: Credit reporting or other personal consumer reports

I purchased a vehicle from XXXX. On the third day of having the vehicle an message saying the Alternator and battery was dying. XXXX warrantys company XXXX XXXX  set up XXXX towing to transport the vehicle to a service garage for 1 hour towing and lost the vehicle. The vehicle was not recovered. I requested to swap the vehicle out for another vehicle and I did not ever receive the second vehicle. I am showing {$47000.00} in loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts have not been updated since 2015 and having a negative effect my credit score! XXXX is reporting these accounts have been late, which is not correct. 

The dates, and balance information on these accounts are inaccurate and I'm requesting this information be removed, per the FAIR CREDIT ACT, 611. 

XXXX  # XXXX XXXX  # XXXX XXXX  # XXXX XXXX  # XXXX XXXX  # XXXX Please see the STATUS DATE ON THIS ACCOUNTS. This has always been an issue with XXXX  and the CFPB never do anything about it, so I'm requesting assistance here again and I will reach out to the State Attorney as this makes no sense. 

The was understand the impression the CFPB was enforce rules and law for the consumer of America, but in most cases with XXXX  nothing is never done as they have been sued for a number of law breaking actions.
Product: Money transfer, virtual currency, or money service

seems XXXX XXXX XXXX HIRED A LAWYER TO COLLECT XXXX I DO NOT OWE XXXX XXXX XXXX XXXX NOW WANT XXXX FOR THIS LAWYER XXXX XXXX I DISPUTED IT SEVERAL TIMES SENT E MAILS NOW THEY HAVE MY PERSONAL BANK ACCOUNT NUMBER CAN THEY TAKE MONEY FROM MY ACCOUNT??
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute was opened and made by the thief, not by me.
Product: Debt collection

On XX/XX/2019 i got into a car accident in XXXX, TX. They flew me to a Military Hospital In XXXX XXXX, called XXXX XXXX XXXX XXXX. Its been 2 years now and they are taking 15 % out of my paychecks, and threatened my boss if he didn't. I'm a single mom. My money is limited, and I have bills to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXXXXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to dispute the accuracy of three charge-off accounts listed on my credit report. I believe these accounts contain errors and require further investigation. 

The following accounts are in dispute : XXXX ( Account number : XXXX ) XXXX  XXXX ( Account number : XXXX ) XXXX XXXX ( Account number : XXXX ) I request that you thoroughly investigate these accounts to verify the accuracy of the information reported Thank you Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX