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

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit reporting, credit repair services, or other personal consumer reports

REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Date opened : XX/XX/2015 Balance : {$6300.00}. Please update.
Product: Credit card or prepaid card

I memorized my statement closing date which is the XXXX of every month. I am livid that I paid my account down and they reported a balance of {$500.00}. My credit took a hit which I can not afford at this time. I've worked so hard to get it to where it is. I call and I speak to a representative that told me my payment had to be in by XXXX. At first he said he'd see if it could be changed but then followed by saying you need to talk to the credit bureaus. That's not true. Navy Federal has to change it since they are the reporting company. I asked to be transferred to a supervisor so I spoke to XXXX and explained my situation. She stated the payment had to be in by XXXX so here 's misinformation. I've had this card almost a year with no problems like this at all and at no time did they ever say a payment had to be in by a certain time. I did not make a payment on the XXXX. I made sure to call in on my statement closing date. The representative never advised me that the payment wouldn't go through a day later. This should not be taken as an oh well, XXXX it up situation. I have taken my credit card account very serious since i've had it and have NEVER had a late payment.
Product: Checking or savings account

My brother deposited my check into his account with my authorization they wanted to verify me but they kept saying my phone number wasnt verifiable since it wasnt showing my name on their end, now they closed my brother 's account and my check money is in suspence and held by them and the payer of my check said the check has been cleared they have refused to take my ID at the local branch and dont want to give me any solution and that they can hold the funds up to 2 years
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXXXXXX XXXX XXXXXXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported XXXX student loans to the credit bureaus as each having late payments from XXXX - XXXX of 2017. During this time I had a consolidation loan processing that held up my IDR application and was told verbally that the accounts would be placed in hardship forbearance since there was no way for me to pay such a high amount when I was unemployed at the time. I also stopped receiving emails about payment reminders, so I had no reason to doubt this was the case. Now I am looking to purchase a home, but because each of the loans ( now consolidated ) are showing as individual late payments it is severely impacting my credit and ability to get a mortgage. XXXX is no longer in business and as such there is no way for myself or the credit bureaus to contact them to have this corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Name : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiry : XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX  XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX, KS XXXX Employer XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX US SM BUS ADMIN XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Name : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, FL XXXX Inquiry : XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting that my account ( s ) are updated. This is a lie. It's fraudulent. All the accounts are not updated. All the paid zero balance accounts are still being reported as if they were open. The accounts are not. Transunion XXXX and XXXX are not updated. 
XXXX XXXX XXXX is reporting the accounts are updated by removing remarks added to accounts. This is fraudulent because XXXX XXXX  did not remove/ delete the account. XXXX XXXX removed remarks stating closed and paid and on time but left the accounts on the credit profile
Product: Money transfer, virtual currency, or money service

ACE CASH EXP/POPULUS Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX THE XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX Both of these business did a soft inquiry in my name that I did not request. I have never even been to XXXX, TX so I find it very suspicious both of these companies located there attempted to secure a loan in my name without my knowledge or consent. Please let me know what further steps I should take in this matter
Product: Debt collection

Date XX/XX/XXXX RE : Providing debtor with false information and theft of debtors money. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Account Number Dear Sir or Ma'am : On XX/XX/XXXX, I sent you a letter disputing the debt and requested that you validate the amount owed in accord with the Fair Debt Collections Practices Act and the Rosenthal Fair Debt Collections Act. 

Your response letter dated XX/XX/XXXX ( attached ) failed to validate the debt. You claim I owe {$2700.00}, yet your own records fail to prove that. Reporting a false amount is a violation of 15 USC 1692e ( 807 ) ( 2 ) ( A ), The false representation of, the character, amount or legal status of any debt. 

For a detailed report go to XXXX On XX/XX/XXXX, you received another money order from me in the amount of {$300.00}, yet you listed it in my account as {$3.00} dollars. Another clear and unmistakable violation of 15 USC 1692e et seq. You are stealing my money. 

For a detailed report go to XXXX I herein continue my dispute of the reported amount I allegedly owe and request you properly validate the debt by furnishing me with all relevant and required documentation. 

Based on your owe records I owe {$1800.00} less any minor fees, which will be mailed out to you by priority mail. All monies received from me by XXXX XXXX has been in the form of certified funds ; Specifically ; United States Postal Money Orders Based on your own records ( attached ), you are attempting to collect additional monies that are not authorized by the agreement that created the debt. 

Specifically ; {$940.00} Per your own records ; 1. XX/XX/XXXX, was paid in full on XX/XX/XXXX. 

2. On XX/XX/XXXX, you show a disbursement of {$840.00} and {$150.00} respectively, That was the {$1000.00} you received from the creditor, Sun West wherein I had mistakenly sent it to them. The {$100.00} listed on the account was also forwarded by Sun West to you. I have emails from Sun West confirming this. 

On XX/XX/XXXX you received a payment from me in the amount of {$400.00} and another payment from me in the amount of {$300.00} on XX/XX/XXXX, despite your attempt to show it as only {$3.00} dollars. 

$ 1000+ $ 100+ $ 400+ {$300.00} = {$1800.00} As my XX/XX/XXXX payment was for {$1200.00} the XX/XX/XXXX payment was paid leaving a balance of {$580.00} to be applied toward XX/XX/XXXX payment. 

That leaves {$640.00} owed for XX/XX/XXXX. 

Which means, to clear out XX/XX/XXXX and XX/XX/XXXX payments, I need to send you {$1800.00} less any minor fees. 

The above referenced amount due ( {$1800.00} ) less any minor fees was mail to you via priority mail on Friday XX/XX/XXXX. You should get it by Monday the XX/XX/XXXX, so  no penalty can be attached to XX/XX/XXXX 's payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 setcion 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached XXXX Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( XXXX ) ( XXXX  ) ( XXXX ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( XXXX ). Per 15 USC 1681 ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.
Product: Credit reporting or other personal consumer reports

This was never my car loan car loan was for XXXX XXXX i never lived at the address that XXXX XXXX that is on my credit and I would like for this to get removed of my credit report the account has been closed and paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle have failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPBs findings indicates that Zelle has not only neglected to protect consumers, but has allowed repeat offenses to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. I was sent money and never received it and sent out money that was never refunded, hundreds of dollars gone.
Product: Credit card or prepaid card

I would like to file a complaint against the retail company J C Penny. I had an account with the company and it was almost paid off. I was told there was a {$400.00} balance and I ask if as many of my previous payments could be allocated to cover the balance so that would be done before the promotional period date. I was told yes and it would take a couple of months. I continued to pay the minimum amount but every month if the adjustment was put on it was also taken off. I called every month after getting my bill for a year only to be told not to worry about it the late fee would be taken off and the adjustments would be allocated correctly. It never happened and I am now being told they are reporting my account as delinquent to the credit bureau ruining my perfect credit! Ive had an account with them for years and now since right before the pandemic I am being frauded. They have jacked my account up to thousands of dollars and continue to send me bills and threatening letters with the same. I dont owe them any money and I requested the account be closed last year! I destroyed the card and have not shopped in the store in years. If they are allowed to get away with this, imagine how many others they are stealing from. I have requested previous statements to send when needed. Please help me.
Product: Consumer Loan

I called XXXX to request a statement of what I oaid to what I owed and the man I spoke to after XXXX ( I may have the name wrong, he put me on hold and then someone else returned ) told me that my last payment was returned for NSF, which could not be true, because it never showed pending on my statement, and if need be I can provide those, to show my beginning and ending ledger on that day. Anyways, I called for a statement of what I had paid and what I owed and he verbally told me over the phone and I requested it in writing because I was moving and looking to open up a new account and wanted the previous transactions for my records. Anyhow, he told me he couldnt do it and that maybe I should call back when I could make a payment instead of finding someone else to blame. First off, he was very rude, and I hope the calls ARE prerecorded, because what I was requesting did not warrant such an answer. Second, as a consumer, I know my rights. I told him I would be suing. They need to accept my payments as settlemeny for this debt because I will not be treated in such a manner, nor will I be denied information about my account. I 've been paying for months, its not like I havent been, so for this guys to be so rude and deny me my information so recklessly, I am apalled. I have worked collections, so I know the do 's and dont 's. Then, I am morr upset with check n go because when I called to verify that this third party was indeed who bought out my account I was told they didnt know and that I had to call another third party, who seemingly couldnt answer the phone. My request was simple, and he got an attitude so I got XXXX as well. I cant even get a statement because??? Not okay. Then he tellls me some other company is gon na pursue the account in other manners etc etc. Like chill, that had nothing to do with anything I was inquiring about, and using scare tactics?? No ... it wasnt even necessary.
Product: Debt collection

Without verifying who they were speaking with they willingly gave out my debt information as well as my social and address,
Product: Debt collection

I disputed a fraudulent account with XXXX XXXX XXXX in XXXX 2016. This account is still reporting on my credit reports. I have contacted them several timesmall and they stated this account will be removed within 30 days of completion. 

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX
Product: Debt collection

I received a notification that I had a closed account but when I went to TransUnion to look at did I have a closed account it did not show that I had to close the account so I received the email that was giving me misleading information.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my report and noticed XXXX had traudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reporting agency in violation of 15 USC 1681 ( a ) ( 1 ), Accuracy and fairness of credit reporting. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for reporting inaccurate and misleading information on my credit report. The account in question is a XXXX XXXX XXXX XXXX, which has been marked as charged-off with a past due balance of {$530.00}. However, I have disputed this information, and Equifax has failed to properly investigate and correct the inaccuracies. 

The key issues with this reporting include : Incorrect Balance & Past Due Amount The account was charged off, yet Equifax continues to report a past due balance, which is misleading and negatively impacts my credit standing. 
Failure to Properly Investigate Dispute My consumer statement indicates that this account is in dispute, yet Equifax has not corrected the inaccurate reporting. 
Negative Impact on Creditworthiness Due to Equifaxs reporting, my credit utilization is shown as 153 %, which is an incorrect representation of my financial standing and affects my ability to obtain credit. 

attached to this complaint are screenshots from my credit report, showing the incorrect reporting by Equifax. 

Additionally, the Consumer Financial Protection Bureau ( CFPB ) recently fined Equifax, XXXX, and Experian {$19.00} XXXX for failing to properly address consumer disputes and reporting inaccuracies. This highlights a pattern of negligence in handling consumer credit data, which I believe applies to my case as well.
Product: Credit reporting or other personal consumer reports

I Recently Checked My Consumer Reports and Found Inaccurate Information About Me, That I Did Not Give Written Consent To Even Allow Such Information To Be On My Report. Under The FRCA My Information Can Not Be Given Out Without The Consumers ( Me ) Written Consent.
Product: Credit reporting

XXXX/XXXX/16 I am a victim of ID theft and my information was used to apply for account which resulted in credit inquries on my report. I have contacted Equifax and told about this issue and they have not address it. 

Fraud Inquiries ; XXXX ( XXXX ) XXXX/XXXX/16 XXXX XXXX - BRANCH XXXX/XXXX/16 XXXX XXXX XXXX XXXX/XXXX/16 XXXX XXXX XXXX XXXX/XXXX/16