23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I will fine a lawsuit if this fraud accounts is not removed!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Dispute Department TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear TransUnion Dispute Department XXXX I am writing to formally dispute a charge-off entry that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed. 

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided. 

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate any disputed information within 30 days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law.

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made.

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681i Procedure in case of disputed accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute within 30 days. 
The agency must promptly notify the consumer of the results of the investigation. 
If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers report.
Product: Credit reporting or other personal consumer reports

Please know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I wish to prevent further harm and fraud to my personal information so please, remove all these fraudulent transactions and account from my credit report. Please. Thank you.
Product: Debt collection

I recieved an email from American Coridus saying I owed money to XXXX. I did a debt consolidation and it was paid off over a year ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 

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

XXXX XXXX XXXX  XXXX  Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Hide Details | View your Report | View your credit score Updated + 'icon ' Updated After Before Close XXXX XXXX XXXX XXXX Account Name XXXX Account Number Charge Card Account Type Individual Responsibility XX/XX/XXXX Date Opened Open. 
Status Updated XX/XX/XXXXXXXX XXXX XXXX Monthly Payment {$20000.00} Credit Limit {$780.00} Highest Balance NA Terms {$0.00} Balance Updated XX/XX/XXXX {$41.00} Recent Payment Amount
Product: Vehicle loan or lease

I picked up the car from the dealership XXXX XXXX. I have a XXXX XXXX XXXX. My loan was through Westlake Financial and I paid the car off XX/XX/XXXX. I was told I would have the title by XXXX XXXX. I been reaching out everyday for 2 months and no one have helped me or gave me an update about when I would be receiving my title.
Product: Student loan

I have XXXX in student loans after attending XXXX. Applied for a reduced payment plan because even at XXXX % the XXXX payment was too much. The reduced payment plan was for XXXX a month but I was n't approved, for the next XXXX months Navient took XXXX per month from my savings account without telling me. In fact, they continued to send me default notices even as they were taking my money. It was n't until I needed to dip into my savings account ( that I 'd had for years ) that I realized my funds we being siphoned. I called Navient and they informed me that by applying for the program I had also allowed them to take the money regardless and that since I was denied the program the funds being taken were not enough to match the expected payment of XXXX so I was still falling into default.
Product: Debt collection

On XX/XX/24 a fake process server came to my home. My husband answered the door. The process server asked if I lived there and then gave my husband the fake summons and left. 

I noticed the summons was fake because there is no index number from a court on it, and it is only stamped received with a store-bought looking stamp. At the bottom of the summons, it says this communication is from a debt collector, and this attempt to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen as a result of the XXXX data breach of XXXX.  I was able to freeze my credit with XXXX as I assume they have simplified the process due to their negligence, however, I also need to freeze my credit with Experian.  I will not pay any fees associated with this request nor engage in any cumbersome process.  If Experian wishes to bill someone for the service they should bill XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. I found out that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any item which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for your and the bank 's records ( learned through more research both parties require ). Please remove these files. If XXXX, Equifax and XXXX feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If no records are provided & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX US DEPT ED XXXX Balance : {$5000.00} US DEPT ED XXXX Balance : {$6200.00} XXXXXXXX XXXX XXXX Balance : {$9800.00} XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX account XXXX To Whom It May Concern : I would like to dispute the validity of XXXX account XXXX. I continue to dispute the validity of this account I request that the account be deleted from my credit report. I request a copy of all information use to open this account. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? I also request a summary of you dispute process Thank you Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear sir/ma'am, I am XXXX XXXX, I am very diligent in paying my balances. I am an honest person. I managed to get my credit score in ranges of XXXX XXXX by acting with discipline and diligence in paying my dues. This incidence below has led to substantial dip in my credit score from XXXX to XXXX without any fault of mine. 
I want to bring to your notice about in accurate reporting of delinquent account on my credit report. This is about XXXX XXXX # XXXX, as reflected on my credit report. There was a confusion and gap in communication. I never have got any communication and wasn't even aware that I am being charged on that card which I have never used for any transaction. I have spoken with XXXX officials and that has been rectified and corrected infact the same card has a negative balance of ( $ XXXX ). I can attach the statement for the same for your records and review. There is no balance due on me and the recent statement is a proof of that. Can you please suggest how can I get this erased from my credit report of all 3 organizations i.e XXXX, XXXX and equifax. It will be a great help as I have always been sincere and diligent in paying my debts. 
Despite closing with XXXX, I still see the dent in my credit score. The whole event should have been removed without even mention of that, as first there was no fault of mine and 2nd the mis communication was settled with XXXX with resolution of the case. 

Please help me in addressing this huge dent in my credit score with all 3 reporting agencies like XXXX, XXXX and so. 

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the charge-off entry currently reported on my credit report for the account referenced above. As you are aware, under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information, and I believe that the charge-off entry on my credit report does not meet the legal requirements for accuracy and completeness. 

In accordance with 15 U.S.C. 1681g, I am requesting a full and complete disclosure of the information pertaining to this charge-off. Specifically, I am requesting the following information : The date the account was reported as a charge-off. 
The identity of the original creditor and any debt collectors or companies that may have reported this charge-off. 
The complete payment history, including any documentation that supports the reporting of the charge-off. 
Any legal or contractual documents pertaining to the charge-off that justify its inclusion in my credit file. 
Under the FCRA, all information on my credit report must be accurate, verifiable, and substantiated. If the reporting party can not provide sufficient documentation to support the charge-off or if they fail to adhere to the requirements outlined in the FCRA, the charge-off must be removed from my credit report immediately.

Please consider this letter a formal request for the immediate removal of this charge-off if the above information can not be provided. I also request that, per 15 U.S.C. 1681i, you thoroughly investigate the charge-off and verify the validity of this entry. If the reporting entity fails to verify or validate the charge-off within the statutory time frame, I demand its permanent removal from my credit report. 

I request that you complete your investigation and respond to me within the 30-day timeframe mandated by law. Should you fail to comply with this request, I will have no choice but to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities, as well as seek legal remedies available under the Fair Credit Reporting Act. 

For your convenience, I have enclosed a copy of my recent credit report with the disputed charge-off clearly highlighted. 

Please confirm receipt of this letter and update my credit report as soon as your investigation is complete. I expect nothing less than the removal of the charge-off, as the evidence and legal framework indicate it is unwarranted.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX in XXXX XXXX at XXXX XXXX, Is XXXX XXXX a financial institution?? 

Clearly on the letter dated XX/XX/2023 you stated your company is a " member of the financial services industry ''. Furthermore, as defined in 15 USC 6809 ( 3 ) ( a ), ( Public Law 106-102, title V, 509, 113 Stat. 1443 ) The term financial institution means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of title 12. 

In congruent with you stating XXXX XXXX is a " member of the financial services industry '' and the definition of financial institution as congress prescribed, it is correct to say you are a financial institution that is governed by Federal Regulations, Federal Statues, and Federal Regulators. 

As a financial institution you are required to promptly process my opt out demand from my nonpublic personal information being disclosed to any and all nonaffiliated third parties. 

XXXX, are you suggesting that XXXX XXXX is illegally denying me my right to privacy and my right to opt out? Please seek legal guidance before responding to that question. 

Additionally, you mentioned the Fair Credit Reporting Act in your letter dated XX/XX/2023 but obviously havent read it in its entirety. In the Fair Credit Reporting Act, a financial institution is to provide me a clear and conspicuous written notice, advising me it will be reporting negative information to a consumer reporting agency. I never received a CLEAR AND CONSPICUOUS notice from XXXX XXXX of such activities. 

However, even if you did provide me of such notice, the Fair Credit Reporting Act states it DOES NOT require a financial institution to furnish negative information about a consumer to a consumer reporting agency! 15 USC 1681s-2 ( 7 ) ( E ). 

Please provide the legal statue that says reporting negative information on a consumer to a consumer reporting agency is required by law. There is no such statue. But there are many statues that point to my right to privacy, to my right to opt out to your duties as a furnisher of my information. You dont control my information ; CONGRESS GAVE ME THE RIGHT TO CONTROL MY OWN INFORMATION. 

Stop disclosing this account to all non-affiliated third parties including XXXX, XXXX and any other nonaffilated third parties that I am unaware of. 

THIS IS MY OPT OUT NOTICE, AS A FINANCIAL INSTITUTION YOU MUST COMPLY. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello to whom it may concern, I XXXX XXXX has been a victim of identity theft. I have several unauthorized charges on my credit profile. My information was stolen in the Data Breach I have a copy of my report my ID and SS number please help me with this matter thanks
Product: Payday loan, title loan, personal loan, or advance loan

There is a loan I took out for a friend of mine ( big mistake, I know ) then I let him do payments. He was falling behind on payments, and I was on him about getting everything paid off. He said he would take care of it, the borrower used to call me, and I would be aware of the issue in which I made some payments personally. They abruptly stopped calling, stopped sending me emails so I assumed the issue got resolved. Turns out they sent it to collections without my knowledge and did not warn me in advance. Either in person or via email. Now I have a bad mark without the opportunity to take care of it in advance. I am trying to find a new home and keep getting denied. If anyone can help or if there is any advice, please let me know. Thank You for your time.
Product: Money transfer, virtual currency, or money service

I am formally expressing my concerns regarding Zelles 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 that covering lose funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Credit card

Synchrony continual unwillingness to process payments Synchrony Bank repeatedly demonstrates an unwillingness to process payments on XXXX of my accounts ; XXXX XXXX  account XXXX  and XXXX  and now XXXX XXXX XXXX XXXX over the last XXXX or 3 years. Its a pattern. The delay tactics include XXXX. Repeatedly not sending a monthly bill XXXX. Omitting envelopes on their bill, when one arrives and XXXX. Not processing a payment even when you call on the phone. Why would a bank not process an incoming payment? They are either incapable or unwilling. 
I wrote the XXXX  ( attached ) and the company seems to deny I called to make a payment.? 
In case XXXX above ; I called the number on the back of the XXXX XXXX card, the machine said it knows my name and has my card number but it failed and I was sent to an agent who would not process the payment. See XXXX  documentation. It seems implausible a rep cant process the payment so theyre unwilling to. 
Can you please find out why they wont process my payments and have any late fees removed? Ive had to make a double payment this month because of their negligence. This is causing financial harm. Any help is greatly appreciated. Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested multiple investigations ( XX/XX/2018, XX/XX/2018, XX/XX/2018 ) into the accuracy of account : XXXX/XXXX and after reviewing my credit report provided by Equifax on XX/XX/2018 confirmation # XXXX, and credit reports from XXXX & XXXX dated XX/XX/2018, ( creditchecktotal ) the account, XXXX XXXX  is still being reported inaccurately . How can you report that the item was verified to OUR company that the current status is being reported correctly when the payment history is NOT correct, nor is there an account balance being reported according to Equifax confirmation # XXXX. According to report dated XXXX2018, Equifax is reporting me with a " XXXX '' balance on XXXX XXXX, '' however, XXXX & XXXX are reporting me with a {$230000.00} balance. If the CRA 's have properly investigated the accuracy of this account then why are all 3 credit bureaus reporting all different payment histories, different balances if they actually verified the accuracy of the account as requested multiple times? 
The CRA 's are in violation of 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] therefore delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. 

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX  XXXX-Account Number : XXXX, XXXX XXXX  - Account Number : XXXX, XXXXAccount Number XXXX XXXX, XXXX-Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX - Account Number XXXX XXXX XXXX XXXX XXXX-Account Number : XXXX, XXXX XXXX-Account Number : XXXX, XXXX XXXX XXXX XXXX-Account Number : XXXX, XXXX XXXXAccount Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX-Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX- Account NumberXXXX XXXX XXXX XXXX XXXX XXXX Account Number:XXXX XXXX XXXX- Account XXXX Has violated my rights. 

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

I have multiple accounts on my credit report that do not belong to me. I filed a police report, an identity theft report, and disputed them with all the credit bureaus. Some have been removed but the bankruptcy, an account with XXXX XXXX XXXX, and an account with XXXX XXXX none of which belong to me.
Product: Credit reporting or other personal consumer reports

After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't understand why these accounts are showing up with inaccurate information, this needs adjusting because it was not paid late, payments were made on time on My two XXXX XXXX XXXX accounts, and XXXX XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and the person has use it to get services in my name for them! Most of the inquiries are for apartments. I purchased a home XX/XX/2017 all the inquiries are for an apartment or loans! I have police reports and my photo is to prove it wasnt me!
Product: Debt collection

XXXX XXXX XXXX  locked me out of my account online. For about six months I called them continuously about it and the issue was never resolved. I received paperless billing so I could never see my bill, interest fees or credit card statement. They charged me {$5.00} every time that I would call and inquire about any problems that I was having or to pay my bill. I closed my account and asked for my previous statements that would show all my fees that I have not seen in six months. They were unable to verify any of my debt. Since than my card has been charged off and sold to another company LVNV Funding LLC C/O resurgent capital services XXXX XXXX XXXX XXXX, SC XXXX XXXX. I am requesting that credit one and LVNV be deleted from all three credit bureaus due to inaccurate, incomplete and unverifiable information. My rights have been violated under the FCRA. 
I have contacted them and sent a letter, they sent me my last bill statement but I need to see my history of my account for the last year due to fraudulent charges. They were unable to provide me with this information. 
XXXX XXXX has been deleted from my XXXX  account but not all three credit bureaus. 
Since it was deleted from one, they should be deleted from all three. Please see the attachment. I have also filed a complaint with the Better Business Bureau for fraud. 
XXXX  complaint # XXXX.
Product: Credit reporting or other personal consumer reports

All 3 credit bureaus have not removed closed accounts thats on good terms off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this as a follow-up request to validate this account that is misleadingly reported on my credit file. the account must be validated to prevent harm to my file. 


Here is the aforementioned account : XXXX XXXX XXXX XXXX Balance : {$12000.00} This was already included in my prior COMPLAINT, and I'm including it again.