23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX 2017 I sent a validation letter to Enhanced Recovery Corp they recieved itXX/XX/XXXX 2017 on the behalf of XXXX. I ask in the valdation letter for them to send me a signature of the contract and validated the debt the say I owe. The sent me a bill of the phone useage from XXXX themselves. I then sent 2nd letter tell them this does n't validated an debt an to remove this debt of my credit or I will be force to take legal action I sent the 2nd letter onXX/XX/XXXX 2017 giving them an additional 5 days business to validated the debt they recieve that letter on XX/XX/XXXX 2017 it is pass the debt but they have recently reported a new collection on my credit onXX/XX/XXXX 2017 but having validated my debt
Product: Vehicle loan or lease

The account was opened onXX/XX/XXXX I believe the account balance history is inaccurate. My vehicle was repossessed and sold. I believe I was sold a lemon because the vehicle didn't last me very long. The account is several years old and should be removed from my credit report expeditiously. It would be a great blessing to my family and I.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX the XXXX XXXX XXXX flagged my credit report with XXXX debt which is out of network and I was not notified. 
This is a violation of my rights of the No Surprise Act of 2021
Product: Debt collection

I am being pursued for a debt that is not mine through a company that refuses to provide any sort of documentation to show the debt is mine and I am being harassed by them daily. I sent a letter of dispute through priority mail which I know for certain they received and they continue to call me but wont acknowledge my dispute. They call me through several different phone numbers every single day.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX  XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX  XXXX {$2300.00} XX/XX/XXXX XXXX XXXX  XXXX {$1300.00} XX/XX/XXXX XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Following 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

Delete the accounts below : - XXXX XXXX XXXX. 
- XXXX. XX/XX/year>. 
- XXXX XXXX. XX/XX/year> - XXXX XXXXXX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I am urgently requesting your intervention to address Equifax repeated and willful negligence concerning inaccuracies on my credit report. On XX/XX/year> ; XX/XX/year> ; and XX/XX/year>, I contacted Equifaxboth through formal written communications and by phoneto unequivocally clarify that I have only one name and one address. Despite my ongoing efforts and rightful demand for accuracy, Equifax has blatantly ignored my requests, disregarding my rights to a fair and accurate report. 

Equifax actions demonstrate a clear pattern of disrespect and non-compliance, as they continue to provide inaccurate information that can significantly harm my financial standing. Their repeated failure to address these straightforward corrections violates my rights under the Fair Credit Reporting Act and constitutes an unacceptable breach of their responsibility. 

I am reaching out to the CFPB to hold Equifax accountable for their blatant disregard of my concerns and to ensure my rights are fully upheld.
Product: Credit reporting or other personal consumer reports

Open XXXX XXXX XXXX  : # XXXX XX/XX/ charge off. fraudulent misrepresentation. deceptive omissions of material facts.in violation of15 usc 6809 prohibits, a financial institution from reporting non-public personal information to a non-affiliate third-party, unless the financial institution has given the consumer opt out and privacy notice, providing the opportunity to opt out.15 usc 6802 opt out notice is a requirement.section 5 ( a ) of the FTC act 15USC 45 ( a ) prohibits, unfair, or deceptive acts, or practice in or affect in commerce.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account opened on my credit report from XXXX or 2023! The account is XXXX XXXX XXXX  the account number is XXXX. This is not my account and it is fraudulent. Its also defamation to my character by having this reporting to my credit report. I have reached out to the company but havent heard anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX On XX/XX/21, XX/XX/21, XX/XX/21. Eventhough I have proof that they have ignored my inaccuracies turning them into violation. They have failed to properly investigate
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.

15 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 a 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 crimes which antedates the report by more than seven 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 reporting or other personal consumer reports

I am formally disputing the unauthorized access and deletion of my student loan data as reported in the XXXX XXXX article titled XXXX XXXX and FERPA : Did Doge Breach Student Loan Contracts? '' ( XX/XX/year> ). The report raises alarming concerns regarding potential violations of the Family Educational Rights and Privacy Act ( FERPA ) due to unauthorized access and tampering with student loan records. 
As a borrower with active student loan obligations, I am highly concerned that my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) have been violated. Unauthorized deletion or modification of my education records is strictly prohibited under federal law. These reported actions have severely impacted my financial and educational standing, and I demand immediate corrective measures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed some accounts they were inaccurate on my credit report. I noticed after the investigation was completed that my XXXX XXXX card has been blocked from use. This account was not part of the investigation and after speaking with the credit bureaus, they confirm that they had not sent any letters to XXXX  to have this account blocked. I then spoke with XXXX, and they said that the account was blocked because the credit bureaus had sent them a letter, I have been going around in circles trying to correct this. 

This account was never in my initial dispute, if any information provided by the credit bureaus to have this account blocked from being used. Please send them the. XXXX  they are requesting to have it unblocked from you and there is no fraud attached to this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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. secondly, I have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. 
Incorrect credit reporting, I have an account that is not correctly reported. 
Account Name : XXXX XXXX Account number : XXXX You have this account balance as {$2300.00} but the current account balance is {$140.00} I have attached a screenshot of this account information below
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of a debt reported by XXXX XXXX XXXX on my credit report. I am requesting your immediate intervention in this matter to investigate and remove the debt from my credit report as it is not mine. I have recently obtained a copy of my credit report from XXXX, XXXX, and Equifax, and I was surprised to find an entry for a debt from XXXX XXXX XXXX listed as outstanding. I have thoroughly reviewed my financial records and can affirm, without a doubt, that I have never had any business transactions or contractual obligations with XXXX XXXX XXXX. I understand that under the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agency to ensure the accuracy and verifiability of the information they report. Furthermore, the Consumer Financial Protection Bureau ( CFPB ) has been established to enforce the provisions of the FCRA and protect consumers ' rights. In light of the above, I kindly request that you initiate an investigation into the following matters : Provide a detailed verification of the debt, including the original creditor, date of inception, and any supporting documentation that substantiates the legitimacy of the debt. Verify that XXXX XXXX XXXX has followed all required legal procedures in attempting to collect this alleged debt. Confirm that XXXX XXXX XXXX has complied with all relevant statutes of limitations pertaining to the collection of this debt. Provide evidence of any contractual agreement or documentation with my valid signature, binding me to this alleged debt. I would also like to inform you that the inclusion of this erroneous debt on my credit report has had a significantly negative impact on my creditworthiness and financial well-being. It has affected my ability to obtain credit, secure favorable interest rates, and may have implications for future employment opportunities. I believe it is paramount to rectify this issue promptly to mitigate any further harm caused by this false reporting. Should this dispute not be resolved in a timely manner or if the debt is not conclusively proven to be valid, I will be compelled to pursue legal action to protect my rights under the FCRA, including but not limited to filing a complaint with the CFPB, engaging legal counsel, and seeking appropriate remedies available under the law. I appreciate your immediate attention to this matter and request that you provide me with written or emailed confirmation of the receipt of this dispute within 7 days from the date of this complaint. Additionally, I kindly request that you keep me informed of the progress of your investigation and provide me with a detailed response within 15 business days. Thank you for your prompt assistance in this matter. I trust that the Consumer Financial Protection Bureau will act diligently and impartially to resolve this dispute and protect my consumer rights. I look forward to a favorable resolution and the removal of this incorrect debt from my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX and XX/XX/XXXX I disputed an inaccurate item on my credit which is XXXX XXXX XXXX account number XXXX responded with a debt validation letter with a cease and desist notice they failed to properly validate the debt and this is required by the FCRA I asked for written proof that XXXX XXXX XXXX own the debt and or authorized to collect on it, I asked for the name and address of the original creditor, a copy of the signed agreement with my signature that created the debt, the exact amount of debt owed, a copy of the last billing statement, And account statement showing all charges and payments on this account, proof that the statue of limitations has not expired on this debt in my state, proof that they are licensed to collect debt payments in the state of Wisconsin, and are registered through the XXXX  database XXXX I also asked for the chain of title and if they couldnt provide all this information in writing, this debt is not valid. I demanded them to immediately notify the credit bureaus to remove it from my credit file. I just disputed again on XX/XX/XXXX and it came back verified with missing data. No payment history. It was totally inaccurate. I made a call to Trans Union on XX/XX/XXXX asking what was the method of verification that they used to verify that this information was 100 % complete and accurate. so I am formally again issuing a cease and desist on XXXX Trans Union and XXXX and XXXX XXXX XXXX to remove this inaccurate account on my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

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

My identity was stolen and sold to people in the U.S. that person was found and prosecuted for identity theft. In XXXX of 2020 I found an apartment community that was fraudulent. This fraudulent information was removed and blocked from all credit bureaus with the exception of Equifax. Equifax continues to report fraudulent information after seeing police reports and reports from the US Department of Justice of the person that was prosecuted. I am requesting this to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following items ) to be in error : The High Balance is inaccurate. The following personal information is ( incorrect, inaccurate, incomplete, unverifiable, etc ) Please ( remove/update ) this account from my credit report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec, 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report, I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX  XXXX XXXX Balance Owed : {$0.00}
Product: Credit card or prepaid card

Hi a Few days ago on XX/XX/XXXX at XXXX at 53rd bank in XXXX XXXX the address is XXXX XXXX XXXX indiana, I deposited an amount of XXXX into a Fifth Third Atm. The machine counted and took the money but did not acknowledge the money and did not accurately show in my statements. I spent over XXXX hours on the phone and even went into the bank where I was then discriminated against. I filed a police report for the theft and would like to sue my bank.The incident happened in XXXX Indiana, and I am a resident of XXXX XXXX Indiana. Please help. This bank has taken part of illegal practices and have taken my money before. Ive also filed a complaint with the company and they have started a dispute process but they are known to always reverse the decision and negatively impact your account. I was left having an XXXX XXXX inside the bank location when I found out no one was helping.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate removal of derogatory and harmful information from my consumer credit report in accordance with federal laws governing the protection of consumer data and credit reporting practices. The recent data breaches involving consumer credit reporting agencies, including the 2017 Equifax breach and subsequent breaches impacting XXXX and XXXX, have compromised the security and integrity of my personal financial information. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., and the Gramm-Leach-Bliley Act ( GLBA ), consumer reporting agencies are legally required to ensure the accuracy, privacy, and protection of consumer data. The Equal Credit Opportunity Act ( ECOA ) further mandates fair and accurate reporting practices, and 15 U.S. Code Chapter 41 explicitly defines the responsibilities of credit reporting agencies in safeguarding consumer information. Additionally, the Federal Trade Commission ( FTC ) has affirmed that consumer reporting agencies must take appropriate measures to prevent data breaches and mitigate harm to affected consumers.

As a result of these breaches, unauthorized access to my personal and financial data has led to inaccurate and harmful reporting on my credit file, including but not limited to : Hard inquiries not authorized by me Late payments inaccurately reported Charge-offs that may have resulted from fraudulent activity Other derogatory information that does not accurately reflect my financial responsibility
Product: Credit reporting or other personal consumer reports

Failure to Issue 1099-C which is required when debt is forgiven or cancelled per its regulations and reporting account as charged off, written off on all three-credit bureau.
Product: Credit reporting or other personal consumer reports

recently discovered that someone fraudulently used my identity to apply for a XXXX XXXX XXXX XXXX without my consent. I did not authorize this application, and as a result, an unauthorized credit inquiry was added to my credit report. I have already contacted XXXX XXXX XXXX and they have initiated an investigation. However, I am requesting that this unauthorized inquiry be removed from my credit report immediately, as it was the result of identity theft. Please assist in ensuring this matter is resolved promptly.
Product: Checking or savings account

I have multiple accounts in Ally bank since 2011. But for almost a year, Ally bank mobile application is not working. For almost last 2 years, if one call Ally - there is a wait time of 45+ minutes. On chat, you can never get hold of real human being. 

Without mobile app, I can not deposit a check. If i have to use the internet browser and scanner for depositing a check, I would like ally to pay for my scanner expense. 

Ally being onlineXXXX XXXX it has to make sure customer service is reachable without such long wait time and customer can do everything form mobile app.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.