23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I received a phone call from Professional Debt Mediation INC. regarding an unpaid move out debt that I was not aware of. At this time they had placed a collection on my credit on XXXX XXXX XXXX  for the amount of {$440.00}. Their initial letter was sent to my fathers address, but he did not hold onto the letter. After a brief discussion with them, I was informed that this was on all former tenants credit. The original creditor made a single attempt to contact me in XXXX XXXX XXXX, but did not make any additional attempts. After asking for the proof of debt, they emailed my a small document holding a single vague receipt of what I owed. After asking them to clarify and to provide any additional proof, i.e. itemized list or pictures, they were unable to. I then sent a dispute letter to them on XX/XX/XXXX requesting some additional information about the debt, and more information about their company. I received a letter back on XX/XX/XXXX containing the same contents of the email, with no further questions answered. It seems to me that there is insufficient evidence that I owed the original creditor anything to begin with. Upon further investigation, It was found that this company does not have the license to practice collecting in my current state of Connecticut, and a complaint to my state attorney general has already been made.
Product: Credit reporting

bankruptcy showing incomplete information not showing all lenders, not showing discharge date, not showing attorneys name an address
Product: Credit reporting or other personal consumer reports

Not able to receive any credit from retailers or credit cards
Product: Credit card

I have received a credit card offer in the mail on XXXX/XXXX/2016 for my deceased wife, XXXX XXXX. She has been deceased for over one year. Eight months ago I placed her name on the FTC list for opting out of solicitations. I have attempted to contact the company by following instructions from their web-site. Their privacy policy directs me to " submit an unsubscribe request '' yet no feature exists on their website. The policy provides no alternative phone number nor mailing address. My complaint is to report the credit card company for violating federal regulations by publishing a privacy policy with bogus opt-out instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have credit card applications from XXXX, XXXXXXXX XXXX, and XXXX XXXX  and not sure how many more on my credit report that are not mine
Product: Vehicle loan or lease

I am a victim of identity theft. This vehicle loan does not below to me. Please remove this account from all 3 of my credit bureaus. If you can not provide me with proof showing this loan was applied and used by me please delete this. I never signed any contract, or took out this loan.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 have informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
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 and misleading. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$410.00}, XXXX XXXX XXXX XXXX  Balance : {$8.00}, XXXX XXXX Balance : {$5900.00}, XXXX XXXX XXXX Balance : {$23000.00}, XXXX XXXX XXXX  Balance : {$1400.00}, XXXX XXXX XXXX  Balance : {$950.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX  Balance : {$0.00}XXXX XXXX XXXX Balance : {$0.00},
Product: Debt collection

This company, One Main, has continually sent me a bill for {$12000.00} more or less which I do not owe. I have never heard of One Main. My neighbor also gets a bill from this same company which she does not owe. I suspect they saturate a city with bills and even if one person get afraid and pays, its worth their effort. 

The alleged account number with them is : XXXX in the amount of {$12000.00}.
Product: Debt collection

I recieved a letter in the mail that I'm owed CCS {$650.00}. Now I sent in a dispute letter to which I've gotten back no response. I've asked for validation to prove this account is mine. No copy Assignment clause, Notarized letter of debt purchase, Signed contract from original creditor and also proof to collect in my state of NJ. Now this is unacceptable. I need them to send me everything I asked for and not a copy of a bill that is not proof. As per the fair credit reporting act.
Product: Credit card or prepaid card

To whom it may concern, I submitted a payments for a treadmill and XXXX  vacuum for what I thought I was purchasing through a friend on XXXX. I was not aware at the time but have since confirmed with her that her XXXX  account was hacked and taken over by a criminal/fraudulent person. The way I paid was through PAYPAL and I have been trying to cancel and reach out to PayPal for the last 24 hours since I have evidence of the fraud, the fake address and PayPal account with email. But I am not getting any feedback? Because the transaction is pending, I am not sure why I would not be able to have this transaction cancelled since it is by a fraud and criminal act. 


The PayPal transaction is as follows : Paid You'll see " PAYPAL '' on your card statement. 
{$360.00} Transaction ID XXXX Contact info Message XXXX XXXX Note Treadmill and XXXX vacuum Details Sent to XXXX XXXX {$350.00} Fee {$15.00} Total {$360.00} I have also reached out to my credit card company, XXXX XXXX, but they indicated that PayPal would need to work with me to resolve since transaction is still pending. I have not been able to get a hold of anyone at either PayPal or XXXX  to report the fraudulent act. 

I do have a trail of the fraudulent communications and the friend that was hacked has provided detail in writing to me that she was in fact hacked and this was a criminal act upon myself and other of her friends/family. 

Please advise.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In light of these violations, I request that you revise the payment status of these accounts to " Paid as Agreed '' and eliminate the late remarks from my credit report.
Product: Credit card

My issue came about while making payments above the minimum amount in an effort to pay towards a promotional purchase that expires before a 2nd promotional purchase on the same account. The issue is that the promotion that expires sooners balance is lower than the promotion that expires later and their system applies the excess amount to the higher balance instead of the lower one.

Therefore, my attempt to pay off the lower balance to avoid interest penalties actually backfired as I was unknowingly paying off the higher balance one instead. After contacting the company they explained that under federal regulations any excess of the minimum payment shall be applied to the " higher interest '' promotion -- however none of these promotions are currently accruing interest.

This creates a scenario where the consumer is not in the know about the excess allocation process and if not corrected would leave the consumer in a scenario where their promotion could not be paid off properly -- in effect leaving the consumer with all of the accrued interest as a penalty for not doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

the consumer reporting agencies have infringed on my privacy. they have reported negative information to my consumer report, and by law before they put anything on my consumer report, they have to have written consent from me the original creditor and natural person. They also responded stating XXXX of the accounts were verified and they updated another account. They can't verify anything that I didn't authorize them to do in the first place. that shows they didn't properly investigate and in the " XXXX, XXXX, Experian XXXX have violated credit reporting rules, XXXX XXXX XXXX says '' Article that backs up what I'm saying and the CFPB even backed this up. XXXX XXXX admitted that some of the disputes they didn't look at and the one that they did look at, they didn't investigate they just pressed a button.
Product: Credit reporting

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 's mailing address for dispute requests is : XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX Account Number Num : XXXX Balance {$00.00} XXXX Account Number Num : XXXX Balance {$00.00} Dear Sir or Madam, I am writing in regards XXXX on my credit report. I 've enjoyed being a customer of XXXX XXXX since XX/XX/XXXX. Today, I 'm writing to request a goodwill adjustment to my credit files. 

I was a model customer from the time I received my credit card in XX/XX/XXXX, however it has been 11 years. 

Your agency should delete all information regarding the account from my credit files within 10 business days. Please delete the above information as quickly as possible. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I purchased a mattress from mattress firm and subscribed to a zero interest payment plan. However, prior to delivery i was informed the mattress was defective and so i cancelled my order, but an account was still opened in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance XXXX XXXX  XXXX .... Balance - XXXX XXXX XXXXXXXX XXXX XXXX. Balance - {$970.00} XXXX XXXX XXXX Balance XXXX XXXX XXXX .... Balance - XXXX XXXX XXXX XXXXXXXX .... Balance XXXX {$970.00} XXXX XXXX XXXX Balance - XXXX XXXXXXXX ... XXXX Balance - XXXX XXXX XXXX XXXXXXXX .... Balance - {$970.00} XXXX
Product: Credit reporting or other personal consumer reports

As outlined in FCRA Section 605B ( a ), credit reporting agencies must expeditiously remove any information labeled by the consumer as originating from an alleged case of erroneous activity, no later than four business days from the receipt of this notification. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX CXXXX XXXX XXXX XXXX XXXX Balance : {$210.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021, I APPLIED FOR A CAR LOAN AT A LOCAL CAR DEALERSHIP. AFTER THEY RAN MY CREDIT REPORT, I WAS TOLD BY SALES REPRESENTATIVE THAT ALL THREE CREDIT BUREAUS SHOWED TEN NEGATIVE ACCOUNTS OPEN. AFTER CAREFULL REVIEW OF MY CREDIT REPORT, I WAS AWARE I AM A VICTIM OF INDENTITY THEFT. THE INFORMANTION LISTED BELOW, WHICH APPEARS ON MY CREDIT REPORTS, DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE. IT IS THE RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ORIGINAL CREDITOR NAME : XXXX  XXXX XXXX XXXX  {$160.00} XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, FL XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX {$22.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MA XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX {$160.00} ABSOLUTE RESOLUTIONS INV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ORIGINAL CREDITOR NAME : XXXX XXXX  {$560.00} ABSOLUTIONS RESOLUTIONS INV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ORIGINAL CREDITOR NAME : XXXX XXXX  {$620.00} XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, FL XXXX ORIGINAL CREDITOR NAME : XXXX  {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ORIGINAL CREDITOR NAME : XXXX XXXX  {$25.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ORIGINAL CREDITOR NAME : XXXX {$70.00} XXXX XXXX  UNKNOWN ADDRESS {$44.00} XXXX XXXX XXXX XXXX {$0.00} I AM A VICTIM OF IDENTITY FRAUD/THEFT THEREFORE, I DEMAND THAT THESE ACCOUNT ( S ) BE CLOSED, BLOCKED, AND REMOVED FROM MY ENTIRE CREDIT BUREAU PROFILE IMMEDIATELY. ANY HESITATION IN REMOVING THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE WILL RESULT IN LEGAL ACTION TAKEN AGAINST YOUR COMPANY
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute some negative items that have been reported on my credit report. After reviewing my credit report, I have noticed several inquiries and accounts that I do not recognize or have reason to believe might be fraudulent. I would like to request that these items be investigated and removed from my credit report immediately. 

Firstly, I do not recall authorizing the inquiries made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since these inquiries might be fraudulent, I am requesting their immediate removal from my credit report. 

Secondly, I can not recognize the account from XXXX XXXX XXXX ( account number : XXXX ) and would like to request that this account be deleted from my credit report. 

Finally, I have concerns about the legitimacy of the accounts from XXXX XXXX XXXX ( account number : XXXX XXXX XXXX XXXX ( account number : XXXX ), XXXX XXXX XXXX ( account number : XXXX ), and XXXX XXXX XXXX ( account number : XXXX ). Either clarify the information related to these accounts or delete them from my credit report immediately. 

I believe that these negative items are impacting my credit score and ability to obtain credit in the future. I am committed to improving my credit score and being responsible with my finances, and I believe that removing these negative items will help me achieve this goal. 

Thank you for your time and consideration in this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian shows I have a public record XXXX  XXXX bankruptcy I disputed this several times telling them it is not mine they wont do anything they say they verified it I asked how and they told me with the court system I keep telling them then they wont put my name right on the report
Product: Debt collection

There is a woman who calls me over and over leaves threating messages that she is going to locate me, call my employer ( which they did ), has contacted my family and friends telling them these same threats. I get multiple calls a day from XXXX & XXXX. THE XXXX phone number never tells me where shes from just that she is location services. The XXXX number wont tell me who they are either and tell me the person calling from the XXXX phone number is the XXXX county clerk and I have verified that they arent. The XXXX number wont tell me who they are or provide me with any written documentation. I called an attorney office who contacted both numbers and they said it was a scam and to report them.
Product: Credit card

On XXXX/XXXX/16 I purchased a diamond and tanzanite necklace and ear rings from XXXX XXXX on the island of XXXX and placed the charge on my Bank of America Visa Charge Card. When I returned to the XXXX I had the necklace appraised and found that I had been cheated and defrauded. The diamonds were actually white sapphires. This is a very serious crime. I have all of the documents of the transaction, including XXXX XXXX 's description of the pieces as well as their formal appraisal of the jewelry. XXXX XXXX refuses to refund my money, even though I have emailed them all of the incriminating documents and a Bank of America supervisor told me that since the transaction is over 60 days old, that there is nothing they can do to reverse the charge. I need your assistance in applying pressure on Bank of America to reverse this charge from my credit card account. I will gladly supply them with the documents which prove my claim. I have many other avenues to explore if the bank continues to refuse to help me. Bank of America 's name will most definitely will be dragged in to other sources of complaints if I am forced to peruse them. I just want my money back. I calculate that I have actually lost {$6100.00} ( cost of jewelry ) + {$61.00} ( foreign Transaction Fee ) + {$110.00} ( jewelry appraisal ) = {$6300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 Bankruptcy XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 an 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 records of convictions of crime which antedates the report more than 7 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 or prepaid card

I'm writing due to an email I recently received from my credit card company regarding their unilateral decision to reduce my credit limit. 

In this email, I was told that the credit limit on one of my credit cards was being reduced by {$5000.00} dollars. When I called their customer service line, I was told by both the front line customer service representative as well as the senior customer service representative that there was no means to dispute the change. This reduction is in addition to their decision several years back to completely close one of my credit cards ( again with no means to dispute ). In both cases, I have been clearly qualified to maintain my account at the level it was at in terms of income and history of repayment. 

My complaint in both situations is this : by allowing a credit card company the ability to make unilateral decisions to reducing credit limits and close credit card accounts, with no notification or forewarning and not allowing any dispute or reversal options, these companies are negatively impacting the personal credit scores of their customers. In addition, for those like myself who use these cards as an option for funding emergencies, that option is impacted or completely removed. Especially during a pandemic, one would hope that a credit card company would at the very least refrain from impacting someone's access to emergency funds, but that appears not to be the case. Even outside of a pandemic, this should never happen. 

Ultimately, I signed the terms and conditions of the card, and this is something that I should have known about. With that being said - how is someone expected to read the 5-10 pages of the terms and conditions retain every minute detail? And when the terms and conditions change nearly every year, how is one to be expected to remember whether something has changed or not?