23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX XXXX, I received an email from XXXX that Convergent XXXX has been added to my credit report. According to the email, they are trying to collect a debt from XXXX XXXX.I have never had a XXXX account and feel that this is an incorrect information being reported on my credit report. XXXX XXXX is not listed on the Florida Office of Financial Regulation. Unfortunately under the Department of Business and Regulation, Convergent XXXX is listed as an electrical company not a debt collection agency. I have mailed in multiple letters asking that this information be validated and/or verified and they have not responded. Now they have reopened this account and listed is a late payments from XXXX XXXX, but have the account reported as open in XXXX XXXX.
Product: Debt collection

There is an account that I have written to XXXX and equifax because I do not know the account. I ask that it be corroborated and removed from the credit This is account : XXXX XXXX XXXXXXXX
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 my credit report, leaving innacurrate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic 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 I 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: Credit card

My Citi Bank credit card has a rewards program. I have used this program many times to purchase gift cards with my rewards points. I suddenly have no access to my rewards points. I can log into my Citi Bank card just fine, but when I try to access my rewards points, I can not. I have been on the phone with Citi Bank many times. They try to help me and when they can't, they transfer me to someone else. XXXX  now I have been transferred to someone who goes through the same exact steps as everyone has before and when they realize they are having problems, too, they give me a ticket number and say it will go to the technical issue department. But no one calls me back and when I call they tell they can not see any sign that a ticket has been established. This has gone on for over a month!! I really don't know who to turn to but CFPB. Please help me. This should be a simple problem to resolve - I just want to get into my account! This company is so difficult to contact! It's very, very frustrating the way these companies make it so difficult to resolve a problem. Thanks
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section XXXX. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA XXXX XXXX, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.
Product: Debt collection

on XX/XX/XXXX, I got a call from a debt collector for the paypal account saying I had not paid so I made Postdated check for the XX/XX/XXXX. Looked at my bank statement and I paid for the month of XXXX, the month they claim I've not paid.
Product: Money transfer, virtual currency, or money service

I am writting to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the most recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed investigate my claims adequately. They informed me that the recovering lost funds were 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. This lacking accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being sued for a debt on a Macys / american express credit card. it is being reporting on credit bureaus as AMEX/DSNB account... XXXX and the balance as {$3.00}, XXXX ( XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) I requested documents to verify this information. for the past XXXX XXXX neither Macy 's or American express were able to prove this account belongs to me and refuse to remove this account from all three credit bureaus ( XXXX, XXXX XXXX XXXX ). I requested from the credit bureaus to send me what information they have that this account is verify, and they have not. XX/XX/2022 I sent a letter to American express requesting information on this account and have not heard from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/2021 Balance {$18000.00}.
Product: Debt collection

I have requested verification/validation of the debt or removal twice. Once I requested the informati on Direct Management colle ction agency letter back to me saying they did not believe it was me so they would not respond or verify. So, I sent another letter requesting the same information and got it notarized to prove that it was me requesting information with my signature on it and stamped by a notary. But, they still sent the same response back to me by refusing to verify/validate by saying they do not think I am the person requesting the information. I felt me getting my letter notarized would definitely prove to them that I am the one who is writing a letter requesting information.
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$1000.00} from XXXX Networks , listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XXXX. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 

Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Thank you for your immediate attention to this request. 

Sincerely, XXXX XXXX Email : XXXX XXXX
Product: Student loan

On XX/XX/XXXX, I requested to change my payment due date from the XXXX of the month to the XXXX. At the time, I was told that it would take up to XXXX billing cycles. When the bill due on XX/XX/XXXX was generated in XXXX, I called to find out the status of my request. I was told then that there had been a delay in processing because I was in a status called " paid in advance '' ( or something similar ) but that the representative would correct and that the change would most likely take effect for the payment due in XXXX. When that bill generated a few days ago, the due date was still XX/XX/XXXX. When I called again, I was told that the request could take up to XXXX business days ( that representative calculated that time period would stretch into XXXX ), and today a supervisor told me that the interest on my account would capitalize if the change was not approved by XX/XX/XXXX ( which is XXXX months after my original request ). There is no reason why my simple request should take so long, and there is even less reason for my interest to capitalize because MOHELA can't process my simple request in a timely manner. This is especially true because nobody before had told me that interest capitalization was a possibility.
Product: Credit card or prepaid card

I have applied the starwood preferred guest business credit card with XXXX bonus star points after {$10000.00} spending within 3 months after approval. I have met the spending requirement, but never got the bonus points. I have tried to call american express several times, each time the representative said he/she can see the bonus term in my account and it will be posted soon. However, after several months and multiple calls, I still have not seen the bonus points.
Product: Credit reporting 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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : 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 However XXXX they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 reporting or other personal consumer reports

Per 15 U.S. code 1681b XXXX XXXX XXXX used and reported my credit without my signature and I would like it removed off my credit along with all the negative marks that came with it.
Product: Credit reporting or other personal consumer reports

Asked to verify the debt. I want to see the original contract between the original creditor and the consumer. Wet signatures only.
Product: Credit card

On XX/XX/XXXX a charge was made for {$560.00} and on XX/XX/XXXX a charge was made for XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never been to this store. As soon as I realized the charges I called comenity ( the company XXXX  uses for their credit cards ) to dispute the charges. They told Me they did an investigation and found I was responsible for the charges. I had never been to that store prior to today, XX/XX/XXXX. I went to the store to find out if they could give me video footage but they will not.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid in full to XXXX XXXX XXXX XXXX  upon full payment the account will not be reported to the credit bureau after being paid in full it was still reported and I asked Experian to remove it and they have not done so. This gos against my rights. Experian will not let me dispute it.
Product: Checking or savings account

Good day, I had my checking and savings account blocked for absolutely no reason on Saturday the XXXX of XXXX without any prior notice. I pretty much found out that evening while trying to make a purchase and my debit card declined twice. Then I reached out to the customer care representative who after listening to my complaint referred me to the fraud department and I was baffled. Monday XXXX of XXXX I called the fraud department and I was told my account was under investigation for a deposit made from XXXX XXXX in the amount of {$100000.00} thereabout which I'm fully aware of which makes absolutely no sense to me. I was told to call back after 48 hours which I have done today and I'm being told my account is being closed without any prior notice or complaint which is totally outrageous! 
Checking Account Number - XXXX Savings Account Number - XXXX Account Holder Name - XXXX XXXX XXXX Citi Bank Executive Response Unit case Number - XXXX
Product: Debt collection

My name is XXXX XXXX, and I have recent close on a property XXXX XXXX XXXX XXXX. A few month after moving into the property, I recieved a debt collecting letter from XXXX XXXX from Straley and Otto ( legal assistance ) that I owed past due amount XXXX $ XXXX XXXX $ for XXXX 2015 and XXXX $ attorney fee ). I contact XXXX XXXX and provided proofs that I have made all payment on time. Soon after acknowledging that I have made all payment, she continue to ask if I paid the continuing month ( XX/XX/XXXX because it is due, and it not related to the debt, and yes I have been paying on time. She then ask you have to paid attorney fee because she sent me the letter XXXX XXXX Which got me by surprise, I think I 'm being harass and bullying through these type of behavior, though their vision is to help and support the need of compliance citizen. I have emails exchange between me and XXXX and comp if needed
Product: Money transfer, virtual currency, or money service

This company is stealing and selling my information please help me get my information correct please. Ive called them numerous of times and they refuse to help me out they saying Im In debt {$5000.00} when I paid off my loan this is unacceptable I can even get a loan from a bank.
Product: Student loan

1 ). No record of " payments '' made while under IDR plans 2 ). No information received when requested on this issue.

3 ). No communication with new servicer Mohela and no communication between their site and Studentaid.gov 4 ). Multiple loan repayment discrepancies so the process has been conflated and confusing.

5 ). Multiple calls/emails and no information that is helpful to this situation has been received.
Product: Checking or savings account

On XXXX XXXXXXXX I opened a checking account with Truist Bank using their {$400.00} bonus promotion. I sent an opening deposit of {$50.00} to the account. On XXXX XXXX my online access to the account was removed as I was instructed to call their fraud department. On XXXX XXXX, I called their fraud department and was informed that my account was closed. When the reason for the closure was requested, I was told that they did not know and would have to wait for a letter in the mail. When asked when I could expect the opening deposit to be returned, I was told that there was no deposit made to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX , Ga XXXX Experian XXXXXXXX XXXX XXXX XXXX, TX XXXX I am writing to dispute the following information in my file. ( XXXX XXXX # XXXX ). According to section 609 of the FCRA this item is inaccurate and falsely reported onto my credit file. I am requesting that the item be deleted. 


Again please reinvestigate this matter according to FCRA section 609 and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX
Product: Student loan

I am filing a complaint on Mohela for mismanaging my student loans. I can not get through to customer service, have not been able to get an email back, or get to anybody on the phone or chat option on the website. I have messaged the company from my account and have not received any correspondence from them. I contacted them beginning of XXXX  2024 about getting my account signed up for PSLF or the option to lower my loan payment. I feel like I'm being ignored, overcharged, and not being help for either PSLF or income driven opportunities. There has been no action to help me from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX ( XXXX ) Department of Education Loans ( XXXX XXXX XXXXXXXX XXXX XXXX ) on my credit report showing to be opened in XXXX and being over XXXX missed payments each. Both of these accounts were opened prior to XXXX and the last voluntary payment on either account was in XXXX. The accounts keep getting fraudulently " reagged '' to keep them on all three credit reports ( XXXX, XXXX, and Transunion ) even though they were defaulted over XXXX years ago. Each time the loans get transferred they treat it like a new account and start the XXXX year reporting window over even though this was without my consent. I have disputed this with all XXXX agencies and directly with Department of Education ; however, nothing is done to remove them, and the credit reporting companies fail to even do a basic investigation and just rubber stamp and participate in the fraud being perpetrated even though they clearly know it is too old to be reported and is a violation of the FCRA. 

I would like the CFPB 's assistance in forcing the XXXX credit reporting companies to comply with the FCRA. 

Please note I would like to retain my right to bring litigation for damages in Federal Court if this is not resolved.
Product: Money transfer, virtual currency, or money service

I am stuck in XXXX because of Covid. My phone was damaged and I lost my 2 factor authentication on my phone. So, I tried to reset it with Coinbase. That is when the nightmare began. It was a process of endless repeating copy and past emails from Coinbase. The company is unable to send a confirmation code to my phone. This is their problem not mine. I requested that the company return my funds to my bank account - since I am locked out of my account - and they are unable to fix the situation. Coinbase stopped responding to my emails at that point. I have sent many angry follow up emails and coinbase does not respond. This is a terrible and unethical company.
Product: Credit reporting or other personal consumer reports

Transunion has not been helpful in deleting unauthorized hard inquiries on my credit report. Seems like someone maliciously and fraudulently used my information to try and obtain Auto loans/Credit cards from several companies as listed on my credit report. I have tried to contact these companies ' auto loan departments to try and have them contact Transunion but it has been a futile endeavor as I spend hours upon hours on hold without my request being resolved. I have contacted the XXXX Police Department ( Case # XXXX ) and filed a Police report regarding this suspicious activity on my credit report with a concern for Identity Theft. Also filed a report with FTC ( Attached ). I did not authorize any of these companies below to perform an inquiry on my credit report and I am requesting for these inquiries to be removed as I continue with the process of trying to protect my Identity. I have also done a credit freeze on my Transunion ( as well as XXXX and XXXX ) account in the interim as I resolve this issue. Here are the disputed inquiries on my Transunion : Hard Inquiries all on 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I responded to an ad on XXXX and paid {$90.00} through XXXX for 2 XXXX concert tickets. I never got the tickets. When I called Ally Bank they said they were FDIC insured and would be able to get my money back. They then sent a letter on the XX/XX/XXXX saying that the transaction was legitimate and they would be unable to get my money back.