23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/year> the portal showed that XXXX of my loans had a balance due on XX/XX/XXXX for {$55.00}. I turned autopay on and verified on XX/XX/XXXX that autopay was turned on. The page now showed that {$0.00} was due and that {$0.00} was scheduled for XX/XX/XXXX. I know this is not true. No payments had been applied to my balance yet. And regardless of any payments made, autopay will always be pulled on the due date. So problem XXXX ) the amount of {$0.00} scheduled is wrong. Problem XXXX ) the amount due XX/XX/XXXX is wrong, it should have said the actual amount due of {$55.00}. This information is crucial because I am trying not to pay ahead while my employer also makes payments.
Product: Credit reporting or other personal consumer reports

I am writing to provide a follow-up on my previous attempts to remove fraudulent items from my credit report. Despite my several efforts, these inaccuracies persist, and I am compelled to seek further assistance in rectifying this matter. 

I have submitted disputes, provided documentation, and engaged with the relevant creditors and credit reporting agencies to address this issue. However, to my dismay, the fraudulent items continue to negatively impact my creditworthiness and financial standing. 

This ongoing issue has caused significant distress and uncertainty. It is crucial that these inaccuracies are promptly corrected to ensure the fair and accurate reporting of my credit history. 

Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation. It is essential to restore confidence in the accuracy and reliability of information reported on credit reports. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX Balance : {$330.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$2000.00} ; XXXX XXXX Balance Owed : {$590.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX, XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX  XXXX Balance Owed : {$2000.00} ; XXXX XXXX Balance Owed : {$590.00} ; XXXX XXXX XXXX Balance Owed : {$81.00} ; XXXX XXXX Balance : {$330.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern On XX/XX/28 I sent dispute letter to XXXX and XXXX asking them to verify the creditor information that is on my credit report listed as collection, I dont have any knowledge of that creditor information that is showing in my credit report because is not accurate and doesnt belong to me, I asked them to provide all the corresponding documents to me via mail and they failed to provide me anything, so I need to escalate this issue and Im trying to get your help because this is affecting me and hurting my credit score
Product: Student loan

On XX/XX/XXXX I contacted an agency called American Debt Consolidation. A man answered the phone and gave me options for helping my loan. He told me that I would do income driven repayment plan. He had me sign a digital contract and then told me not to pay my normal student loan provider XXXX. He then had me transferred to XXXX XXXX for consolidation purposes. I was confused but continued with the process. This place told me I would pay two payments of {$230.00} before my loans would be readjusted to {$200.00} a month. They had me send in my tax returns to prove my employment and also told me not to file taxes until they heard from me. I had two payments taken from my account and was never contacted. It is now XX/XX/XXXX and they still have not contacted me. I tried contacting them and there is never an answer from either business.
Product: Debt collection

On XX/XX/12 my father received a phone call from an unknown number stating that I would need to contact them at XXXX in reference to a court appearance. I called the number, and was told that the client was taking me to court, but he could reach out to his client to see if they were willing to settle. He asked me several personal questions such as my employment, my tax bracket, the amount of my tax refund yesterday, and my dependent status. He then said that I could settle with his client. The client sent me an agreement via email. They told me I would need to fax them my debit account number to XXXX XXXX XXXX, then call XXXX XXXX XXXX immediately to ensure it was received. I asked them to mail me a validation of debt to my mailing address they refused saying they did on XXXX, which I have not received anything from this agency. I asked more questions to XXXX, asking for the location of her company, and the address she provided me with was for an assisted living complex.XXXX then told me that I needed to stop emailing her because she is and accountant and to call XXXX.XXXX. I let them know that I was at work and would not be able to call them, they said it didnt matter and only had to the end of business day to take care of it or they would be suing me. I did my research and contacted the original grantor, and received the proper agency the debt was sold to and it was NOT this agency.
Product: Credit reporting or other personal consumer reports

I had a credit card with XXXX XXXX XXXXXXXX over 7 years ago. XXXX and Equifax refuse to remove it though XXXX has already removed it from my credit report. I have attached the results of the XXXX dispute and they have correctly removed the entry from my credit report. I request for the same to be done in my XXXX and Equifax reports.
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 EFTA ( electronic fund transfer act ) and regulation E. These actions have caused significant inconvenience and financial distress, and I seek immediate and appropriate redress for said violations.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : 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 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 i nformation : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. 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: Credit reporting, credit repair services, or other personal consumer reports

This complaint references complaint XXXX, which I feel was closed prematurely. The company referred to a dispute on XX/XX/XXXX, which was not even included in my previous complaint above. 

From my previous complaint : I sent letters on XX/XX/XXXX, which Transunion received on XX/XX/XXXX. I have not received any response to my disputes requesting a signature that I owe the debt. I sent follow up letters on XX/XX/XXXX, which were received on XXXX. I have not received any communication regarding these disputes requesting a signature that I owe the debt nor did I receive anything from the listed creditors. Also to add, I've disputed directly to XXXX and their address on my credit file is incorrect so there is no way I can reach them by mail. I provided evidence of this, but no action has been taken yet. These issues are preventing me from getting a house and a car, which I can't do until these issues are resolved. 

The company HAS NOT provided any explanation as to why these other disputes have not been addressed in 30 days per the FCRA. I have spent extra time and money documenting each incident as well as using certified mail, yet I have seen no responses from this company. I can continue to send certified letters to the company, but I feel they will go unanswered. There MUST be accountability in this situation per the FCRA. I have attached all documents from the previous complaint.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX 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 recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my XXXX XXXX : Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$35.00} Reason : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Account name : XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account name : XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account name : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account name : XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$810.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Account name : XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$8900.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account INQUIRIES : TRANSUNION : 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 XXXXXX/XX/XXXX These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.
Product: Credit card or prepaid card

Here is my latest statement-Sam 's Club MasterCard ( R ) Credit Account Services E-mail Security Zone : XXXX XXXX XXXX For your account ending : XXXX Dear XXXX XXXX XXXX : Your Sam 's Club MasterCard ( R ) Credit online statement is now ready for viewing. Login today to view your statement online. 

Due Date : XX/XX/2019 Minimum Payment Due : {$56.00} Statement Balance : {$68.00} Sincerely, Sam 's Club MasterCard ( R ) Credit Services Protect your identity, never respond to this or any email with personal information such as your account number or password. 
Note : This email was sent to you by Synchrony Bank, the issuer of your Sam 's Club MasterCard ( R ) Credit Account. You may receive account servicing emails even if you have requested not to receive marketing offers by email for your Sam 's Club MasterCard ( R ) Credit Account. Synchrony Bank is located at XXXX XXXX XXXX, XXXX XXXX, XXXX, Utah, XXXX, XXXX. 


This is an unmonitored email box. Please do not reply to this email. 

Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission 's ( FTC ) consumer website at www.ftc.gov/idtheft/. 


The problem is- we paid the card off in full over 3 years ago. All of a sudden, we have new charges. XXXX did an investigation, and Synchrony apparently only temporarily closed the account. Now it is a new month, and they are trying again ( or an imposter ). 

We are missionaries in XXXX. We have chosen to just ignore it. But it would be good to somehow end it. It is not the money. If we actually owed it, we would pay it. But we do not. 

Please advise- XXXX XXXX Direct Line ( XXXX ) XXXX ( Eastern European Time )
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 

XXXX XXXXXXXX Balance : {$330.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX Balance : {$7200.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

XXXX XXXX XX/XX/year> FIRST CREDIT SERVICES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Subject : Request for Debt Validation Dear FIRST CREDIT SERVICES, I am writing to request validation of a debt that appears on my credit report. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). These laws entitle me to request and receive specific documentation to verify the accuracy and legitimacy of debts reported on my credit file. The details of the debt in question are as follows : Creditor Name : AXXXX XXXX XXXXXXXX TX In accordance with Section 809 of the FDCPA ( 15 U.S.C. 1692g ), I am requesting the following documents and information to validate this debt : 1. Original Creditor Information : o A copy of the original credit agreement or contract with my signature, showing that I am legally obligated to pay this debt. o The name, address, and contact information of the original creditor.

2. Detailed Account Statement : o A comprehensive statement showing the original amount of the debt, the current balance, and a detailed breakdown of any interest, fees, or charges that have been added. o A record of all payments made toward the debt, including the dates and amounts of each payment, and any adjustments or credits applied.

3. Verification of Collection Agency : o Documentation proving that the debt collector currently reporting this account is authorized to collect on this debt. This should include a copy of any assignment or transfer of debt documents from the original creditor to the current collector.

4. Evidence of Account Status : o Proof that the debt is within the statute of limitations for collection, as specified under applicable state laws. This includes the date of the original default and any relevant dates affecting the statute of limitations.

5. Confirmation of Reporting Accuracy : o Verification that the information reported on my credit file is accurate and that the debt is being reported by the correct party. This includes confirmation that the account details and status are correctly represented.

6. Dispute Resolution : o Information on the procedure for resolving disputes related to this debt if it is found to be inaccurate or unverifiable.

Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I am entitled to an accurate credit report, and I request that you conduct a thorough review of this account. If the debt can not be properly validated, please remove it from my credit report and notify me in writing of the outcome.

Please confirm receipt of this letter and provide a written response within 15days, as required by law. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries need to be deleted and removed from my consumer reports XXXXXXXX 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 XXXX XXXX XXXX XXXX
Product: Debt collection

I was in XXXX ( for something that happened during an acknowledged XXXX ) and my son was taken to the doctors months into my XXXX. When I left he had insurance and everything for him was up to date. I get out 2 years after the hospital trip and I have an account in collections while piecing my life together.
Product: Credit card or prepaid card

1. On or around XX/XX/22 BJs XXXX XXXX renewed my membership for {$55.00} without my knowledge or authorization. 2. It appears that to pay for the membership fee, BJs opened a XXXX with Comenity Bank without my written or verbal authorization or my consent. 3.This week I received a bill from BJs/Comenity Bank for {$190.00} even though I never renewed my membership or applied for a credit card. Charges were for a membership fee and various late charges and interest charges. To this day, I have not received a physical credit card and therefore do not know what my credit card number is. 

4. Immediately upon finding about this bill, I cancelled the credit card and cancelled my membership ( XX/XX/22 ). I will likely pay the {$190.00} in order to stop late fees and any poyential damage to my credit. BJs says they will waive the membership fee but won't investigate why a card was opnened in my name without my authorization. Comenity won't invetigate this matter any further.