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

. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 2. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 3. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 4. Unverifiable no data information XXXX XXXX Account Number : XXXX dELETE this account for failed to perform an investigation 5. Unverifiable no data information XXXX XXXX Account Number : XXXX dELETE this account for failed to perform an investigation 6. Unverifiable no data information XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 7. Unverifiable no data information XXXX XXXX Account Number : XXXX dELETE this account for failed to perform an investigation
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, this incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 

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: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that don't belong to me. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX- is paid but is negatively affecting my account as well as open sky credit. 

XXXX  consumer is reporting false statements and balances. it is paid off as of today XXXX XXXX XXXX XXXX loan servicing ned to report off. that account should not be on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with XXXX and TransUnion about the incorrect accounts and information on my reports since XXXX of this year ( XXXX ). I mailed letters to them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to dispute these items and letting the bureaus know that I have done my research and that I know the law. Even with Covid-19 the bureaus still have 30 days to investigate and respond to my disputes. I know there might be a delay and I even tried to give them the benefit of the doubt for that. The accounts are still reporting incorrectly on my report. I even sent some of my letters certified because I needed to know if they were getting my letters in the first place. These are the tracking numbers : XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX / TransUnion # XXXX XXXX XXXX XXXX XXXX ... 
XX/XX/XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX / TransUnion # XXXX XXXX XXXX XXXX XXXX ... 
XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX / TransUnion # XXXX XXXX XXXX XXXX XXXX It has been months without receiving a response. As a consumer, I feel this is unacceptable. This is my life that XXXX XXXX, and Transunion are disregarding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing the complaint against EQUIFAX, XXXX, XXXX because they have ignored my request for a reinvestigation since XX/XX/2021. I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION is complicit in reporting an account as a charge off to my consumer report causing defamation to my character. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have filed a XXXX Cancelation of debt with the IRS for these accounts and are attempting to collect the same amount they wrote off with the IRS from me on a written off debt that they were already paid for. This is tax fraud and I will report you to the IRS as being complicit in the fraud. The IRS defines a charge off as income and income is NOT reported on a consumer report. Also the CODE OF FEDERAL REGULATIONS 7 CFR 1956.54 states that a charge off is : The writing off of a debt and TERMINATION OF COLLECTION ACTIVITY without release of personal liability. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and TRANSUNION are attempting to extort me by furnishing this written off income to my consumer report in order to coerce me into making a payment. This is a criminal offense punishable by fine and imprisonment.
Product: Credit card

In the month of XXXX, when I was going to make the payment, I noticed a charge for XXXX and I called Barclays bank and reported that I had not made that purchase. They told me that they were going to investigate which merchant it was. They delayed a month and sent me the first letter on XX/XX/XXXX saying that they contacted the merchant and it was XXXX XXXX that I had authorized that purchase. I contacted the XXXX XXXX department and that purchase was made by the website because they hacked my XXXX XXXX account and they made two Encisos but only one was approved by the bank. On XX/XX/XXXX a fraud case was opened with XXXX XXXX and they gave me case number # XXXX to give to Barclays bank. On XX/XX/XXXX I went to the police and made a report about the fraud. On XX/XX/XXXX I sent them the police report by email and Bayclays Bank opened a case again to investigate. On XX/XX/XXXX they sent me the same letter again that I have to pay the XXXX because they contacted the merchant the same people that they have told me during the months I called them again, spoke and explained to them what type of investigation they did when there is an open case with a police report and XXXX XXXX also has a fraud report. They told me the same thing, we are going to open another case and they do not resolve anything and the charge is on the card
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles dispute resolution process, particularly in light of the recent CFPB lawsuit, which highlights significant issues with the platform. Despite being a frequent Zelle user and diligently reporting discrepancies, both my financial institution and Zelle failed to conduct a thorough investigation into my claims. Instead, I was informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. 

The CFPBs findings indicate that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to fraud and scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. I urge Zelle and its partnering financial institutions to take immediate action to enhance fraud prevention measures and ensure a more reliable dispute resolution process. 

I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Product: Credit reporting or other personal consumer reports

Notice Of Dispute : This is in Reference To Account # XXXX ( CAP ONE AUTO ) Dear CAPITAL ONE AUTO, I am writing to dispute the reporting of an alleged late payment on XX/XX/year> that has been reported on my credit report. I never received any notice in writing from you stating that you were going to furnish negative information in the form of a late payment to a consumer reporting agency. This is a violation of the FCRA per 15 USC 1681s-2 ( 7 ) ( A ) ( i ) and it is your duty as a furnisher of information to comply to ALL FCRA requirements! 
I am requesting you provide me concrete evidence such as the notice in writing with a certified tracking number for proof of delivery and date, as I should have received this maximum 30 days after this information was furnished on my credit report. If you are not able to provide the requested information I am demanding you modify the payment history of the alleged late payment on XX/XX/year> to an On-Time payment ( OK ) or No Data ( ND ) immediatley! Please update the modification with ALL credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. XXXX XXXX XXXX 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. 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer. 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. XXXX XXXX XXXX have indeed violated my rights with harassing phone calls. This is the same company who was found guilty for illegal debt collection practices and consumer reporting violations in XX/XX/2023.
Product: Debt collection

TO : Whom it May Concern FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX, MI XXXX XXXX XXXX, MI XXXX RE : Fraudulent Misconduct by Collections Company SHERMETA LAW GROUP PLLC Case # XXXX, XXXX County File # XXXX Plaintiff : XXXX XXXX, Case # XXXX XXXX XXXX   XXXX XXXX, MI XXXX ( XXXX ) In Reference to previous CFPB complaint 's # s XXXX & XXXX & XXXX 3rd Complaint! They still can not get it correct! 
The Fraud and Misconduct continues by SHERMETA LAW Group PLLC, Third ( 3rd ) complaint! This is with regards to information obtained from the SHERMETA LAW GROUP resolution dated XX/XX/XXXX. Its been 17 days since the refund check has been mailed. Less than 40 miles between the Law Firm and my current residence. Have NOT received any correspondence from XXXX XXXX XXXX! From looking at the response from SHERMETA it has an old address even though my current address is in their files. See included 3 letters each showing correct address from SHERMETA LAW GROUP and XXXX XXXX clearly showing correct current address as was given to both in XX/XX/XXXX. Problem being this, check that issued was supposedly mailed to me on XX/XX/XXXX shows an old address that I have not resided at for almost 2 years! They clearly have my current address! so why is the response addressed to an old address not used for almost 2 years? Why not send it to my current address? Was it really sent? Since so much time has elapsed since moving the USPS does not nor will not continue to forward mail beyond 12 months! Also, I am and have been using USPS Informed Delivery service for the past 18 months and have never received notification that anything from SHERMETA LAW GROUP is in the mail to me at my current Address!

My complaint is that SHERMETA LAW Group PLLC had knowingly sent the refund check to an invalid address while knowing the correct address as shown on the included 3 documents. Continuation of improper handling of legal matters. If check has been submitted for payment it has not been done so by or for me! That it takes, so far 3 complaints, to get items taken care of that are legally, ethically and morarally correct! 
WHAT DOES IT TAKE FOR A SUPPOSED PROFESSIONAL LAW FIRM/COLLECTION AGENCY TO DO AS THEY SAY THEY WILL AND DO IT CORRECTLY THE FIRST TIME! 
The resolution I would like ( Expect ) to see is the return of the full amount ( {$520.00} ) of the Michigan Income tax refund Garnished to myself AT MY CURRENT ADDRESS ( see above for address ), since this is the resolution expressed by SHERMETA LAW Group PLLC in the previous complaint in a timely manner. If check has been submitted for payment it was not done by me or in my behalf and request a NEW check be reissued for the amount of {$520.00} USD be mailed to me at : XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, MI XXXX in a timely manner.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX XXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I RECEIVED A NOTICE FOR A SMALL CLAIMS JUDGEMENT, I DID NOT RECEIVE ANY NOTICE FROM THIS COLLECTION AGENCY, I CALLED THEM TO TALK ABOUT THE DEBT, AND ASK TRIED TO SET UP A PAYMENT PLAN THAT WOULD STOP THE JUDGEMENT, BUT THEY WHERE UNWILLING TO WORK WITH ME EVEN THOUGH I WAS WILLING TO SET UP A PAYMENT PLAN ON THAT CALL. THEY SAID THAT THEY SENT A COUPLE OF LETTERS AND WENT RIGHT TO TRYING TO SUE.
Product: Debt collection

This complaint is regarding a collection agency company, CBE Group, XXXX XXXX XXXX, XXXX XXXX, IA XXXX, XXXX. The debt is from XXXX XXXX XXXX, in the amount of {$160.00}. On XXXX XXXX, 2017 I got a noticed from XXXX stating that CBE has placed a collection in my account, regarding a debt that I had through XXXX XXXX XXXX. But the issue here is that, I was never given a notice in the mail, or email by CBE Group. Nor was I given a phone call. CBE claim that they sent me notice of the debt, but it was sent to the wrong address., and CBE admitted the mistake they made. The bottom line is that, I did n't know anything about this debt, being sent to collection agency. Nor had I any knowledge of it whatsoever from CBE. Had I gotten proper notice of the debt, I would 've paid it immediately, but it was put on collection and posted through the major credit reporting agency, such as XXXX, and now my credit will be immensely affected in a negative way, all because of the mistake that CBE made. Although I paid the whole debt immediately once I found out through XXXX, I 'm still in a lot of stress because it will impact my credit worthiness. It is n't my fault, it 's CBE 's fault that they did n't follow the law, CBE failed to send me written notification of the debt. CBE group di n't follow proper laws and procedure, now, I must suffer due to their mistake. The CBE agent I spoke with said that it will be remove immediately from XXXX, XXXX, and XXXX,. But somehow, I find that hard to believe., nor do I trust CBE.
Product: Checking or savings account

On or about XX/XX/2023, U.S. Bank NA debited my personal checking account an account maintenance fee and a sales tax in two separate, respective line items. Typically, this fee is posted on the XXXX of the month taking into account weekends and holidays. The date this particular fee was posted was unexpected because XX/XX/2023 was a Friday, a non-bank holiday, I had supplied sufficient funds to cover this fee and had it posted as expected. The amounts are then returned with almost immediate effect. However, in the interim period, if there are not sufficient funds available in the account to satisfy this temporary fee, a negative balance is rendered. I believe this predatory action is deceptive and designed solely to maximize the number, frequency, and amount of unjustifiable junk banking fees generated against account holders.
Product: Credit reporting or other personal consumer reports

I am Requesting the Removal of Inaccurate Late Payment Entry from Credit Report. Account Number : XXXX In light of these regulations, I request that you take immediate action to rectify this error by removing the inaccurate late payment history entry from my credit report. I emphasize that this request is not made frivolously, but rather in accordance with my rights as outlined by the FCRA. I have enclosed copies of supporting documents [ attached file ] to substantiate my claim of on-time payment. I trust that upon review of this evidence, you will promptly correct the erroneous information on my credit file. Please provide written confirmation once the necessary corrections have been made. Additionally, we request that you furnish my client with a free copy of their updated credit report reflecting the removal of the inaccurate late payment entry. In addition to the inaccurate late payment entry, it has come to our attention that the credit report provided by your agency differs from those provided by other consumer reporting agencies. Such inconsistencies raise concerns regarding the accuracy and reliability of the information being reported by your agency. In light of these legal obligations and discrepancies, I hereby formally request that you take immediate action to rectify the error by removing the inaccurate late payment entry from my client 's credit report. This request is made in accordance with their rights as outlined by the FCRA, and failure to comply may result in further legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 i filed a dispute against FORD MOTOR CREDIT for inaccuracies on my credit report for FCRA violation.
Product: Credit reporting or other personal consumer reports

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX Account Number : XXXX Update to Open/Never late 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

Inflection Risk Solutions inaccurately reported to XXXX I had a finally disposed case- when in fact the case is still pending because of a writ of habeas corpus for actual innocence. This inaccurate information is causing me great harm - and Inflection Risk Solutions must report accurately that there is a writ of habeas corpus, and the case is not finally adversely disposed. I have dutifully attached the relevant documents proving this case still has a writ of habeas corpus and the documents outline all this in my favour.