23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Contacted AR Resources to settle debt. Was told if I pay the {$2500.00} debt they would delete all accounts from my credit report. Called back to ask when they would be sending the letter to the credit bureaus, I was told that in order to get it deleted I would have to pay {$1300.00} after I just paid {$2500.00} on XXXX XXXX, 2017. Called back to get a itemized statement of all the medical collections on XXXX XXXX, 2017 and they told me I now owe {$1900.00}. There are XXXX accounts that I paid and they are giving me a different amount every time I call. I would just like to get these deleted from my credit report.
Product: Debt collection

I disputed the collection through XXXX XXXX on my XXXX report. It was for a medical bill, I had no knowledge of this collection as I have paid all my copays and I have insurance. The debt they claimed I owed was {$75.00}. XXXX took it off my credit report after the company did not respond within 30 days of disputing. The company submitted another collection claim on my credit report but lowered the amount by {$3.00} to {$72.00} so it would show up on my report again. By doing so, it is now on my XXXX report for {$72.00} and on my XXXX report twice for {$72.00} and {$75.00}. This company is not following the law and are using fraudulent ways, lowering the amount a few dollar and resubmitting it to my credit report, after it was taken off my report for no response within 30 days.
Product: Debt collection

I received a collections notice in the mail on XXXX XXXX. The date on the letter was XXXX XXXX. The letter stated that unless I asked for validation of the debt, they would assume the debt was valid. I sent a letter on XXXX XXXX asking for validation of the debt. On XXXX XXXX I called the collection agency and explained that the 30 days to get back to me was up and the collection needed to be removed. I spoke to XXXX with XXXX XXXX. He verified with me that he received my request for validation of the debt yet refused to remove the collection even though the legal time frame for validation had expired. I called again on XXXX XXXX to follow up about removing the collection and he refused to speak to me due to him being on speaker phone which he had no way of of knowing. He then disconnected the phone call. I called back and again he refused to speak to me stating that he was on speaker but what he really heard was children in the background. I asked to speak to a supervisor due to the unprofessional like conduct from all calls, he did not transfer me to a supervisor, he sent me to a voicemail. Not only did I want to complain about his behavior, I wanted to follow up on the removal of the collection. Since I was sent to voicemail, I never got an update. I would like this collection removed due to the debt never being validated with me. The time allotted by the Federal Fair Debt Collection Practices Act has now passed. According to that act, after XXXX days with no validation, the collection agency must cease collection efforts and remove negative items.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX I challenged the accuracy, compliance, verification, and reportability of this listing. Please validate this information XXXX XXXX XXXX and ask them to provide me with copies of the original contract and validation and method of verification associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. This fraudulent report has inaccurate term duration, on XXXX it reports as 1 month and on Transunion it reports as 0 month which is an inaccuracy. This account is also CO and they are reporting every month and re setting account activity which is not legal. I request validation and method of validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ] [ 15 U.S.C. 1681 e ].
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to bring to your attention serious concerns regarding my credit report and the actions of Equifax. I requested to have this information to be blocked. My personal information was exposed in Equifax data breach, and as a result, I became a victim of identity theft. I have submitted all required documentation to Equifax and requested a thorough investigation into the fraudulent activity in my credit file. However, Equifax has consistently failed to conduct a proper investigation and turn it into a regular dispute, instead of a block as requested, causing the situation to worsen. This troubling action suggests that Equifax is merely making rapid updates to my credit report, rather than conducting a proper inquiry or ensuring that the reported information is legitimate. 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), Equifax is required to conduct a thorough and accurate investigation into any fraudulent information on a consumers credit report. The deletion and subsequent reappearance of these itemswithout any new investigationindicates that Equifax is not fulfilling this legal obligation. This failure to properly address the fraudulent activity continues to negatively impact my credit score and my financial well-being. 

Thank you for your attention to this urgent matter. I look forward to your assistance in resolving this issue. 

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

I hereby submit a renewed complaint to apprise you of the identity theft incident I have fallen victim to. I revisited the FEDERAL TRADE COMMISSION website, accessible at https : //www.ftc.gov, and proceeded to file an identity theft report, as mandated by the FCRA section 605b. It is imperative that Credit Reporting Agencies, as per this section, expeditiously expunge any entries attributed to the identity theft report I submitted. Enclosed herewith are the pertinent documents facilitating the removal of inaccurate information currently reflected on my credit report. The ensuing is a catalog of items erroneously associated with my identity or opened without my explicit authorization, as observed in the credit reports of different agencies : -- -- -- -- -- -- -- EXPERIAN 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to expunge any information identified by the consumer as resulting from alleged identity theft within four business days of receipt.
Product: Credit reporting or other personal consumer reports

These accounts that I did not give my permission to run my credit are still on my report. Equifax has stated they did an investigation but this is not true at all, as I did not give these companies permission to run my credit. I would like to be provided with documentation of their investigation showing proof I gave these companies permission to run my credit. These inquires need to be removed from my report immediately or I will be force to take legal action. 


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 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 card

XX/XX/23 Called comenity because received letter to complete credit card application. I did not request a credit card. They wanted last 4 of SSN and DOB to verify. I refused to give. I did verify my name and address. 

Said since I would not give the additional info they could not access account and only recourse was This entity. 

Account on letter. XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, credit card and firstsources advantage LLC must admit their records are fraudulent of a foreclosure sale in 2004 is false and after due diligence of going to XXXX and after putting in my last name XXXX, zip code XXXX and Loan number XXXX that you are confirming on the CFPB portal I am the owner.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED M

Y ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Product: Debt collection

Im not liable for this debt with XXXX XXXX XXXX I do not have a contract with XXXX XXXX XXXX.I never promise to owe or pay them anything, because I never signed a contract with them. They did not provide me with the original contract as requested. The continued reporting of this inaccurate information is a clear violation of the FCRA and more so a violation of 15 USC 1681 s-2. This has caused me and my family harm, due to the negligence of the inaccurate reporting. I would like this collection removed from my account expeditiously.
Product: Money transfer, virtual currency, or money service

am writing to formally express my concerns regarding Zelle 's 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 recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I placed an order with XXXX ( fake company ) paying USING Affirm on XX/XX/year>, for two Pro LED Therapy masks totaling {$510.00}. I NEVER RECEIVED THE PRODUCT AND I NOTIFIED AFFIRM AND REQUESTED THE LOAN BE CANCELLED. I FILED A DISPUTE WITH THEM CASE NUMBER XXXX ON XXXX AND THEY NEVER INVESTIGATED THE COMPANY. AFFIRM HARASSED ME FOR MONTHS. I PROVIDED THE WEBSITE OF THE COMPANY WHERE I REQUESTED CUSTOMER SUPPORT AND NEVER HEARD A RESPONSE. I SENT TWO TO THREE TEXT MESSAGES, WHICH I UPLOADED TO AFFIRM. THEY NEVER RESOLVED THIS LOAD ISSUE, BUT INSTEAD REPORTED IT TO THE CREDIT BUREAUS. I HAVE FILED TWO CREDIT REPORT DISPUTED AND I HAVE BEEN DENIED BOTH TIMES. I SHOULD NOT BE PENALIZED FOR A LOAN FOR EQUIPMENT THAT I NEVER RECEIVED!!! AFFIRM NEVER TRIED TO CONTACT DERMABEAM TO RESOLVE THIS ISSUE.
Product: Credit card or prepaid card

Back in XXXX, we moved to Nevada to get away from my stepdad who had XXXX basically following us around who is supposed to had a house and the company we had House with scammed his name XXXX  and so basically we didnt have a house we been homeless since and been kind of you know staying with people here in there if we can but Capital one has issued my mother emergency funds to feed us and to get gas and for a hotel some nights but when I asked them XX/XX/XXXX and XX/XX/XXXX I have my mom call and talk for me and I gave permission for her to talk for me because shes my legal guardian. She has power of attorney and things over me they keep refusing to give me emergency funds and they wont tell me why And I said to them that you know Discrimination my mom told them the same thing you cant do some for one card per member and wont do it for the other they kept saying that it doesnt give them the option to do so but they did it for my mom, so how can you say you dont do it and you did it for her and I just talk to them tonight and told my mom and they wouldnt do it and when I mention Discrimination they still want to do it also mention to them that I was recording them. They got mad both times and hung up the phone saying that we couldnt record what they were saying, but yeah, its XXXX for them to record us on the call. It says theyre recording this day told me they were recording that so therefore I can record them as well to protect myself against stuff like this from them saying they didnt say this or say that they refuse to tell me or my mother why they couldnt offer me the emergency fines, so thats why Im making a complaint against them for discrimination. If you did it for my mom which you can call her at XXXX. Her name is XXXX XXXX and she can show you and tell you that yes they did do that for her then they should be doing it all card members. I told him that we dont have any food steal. We havent found nowhere to go yet. Hopefully will have somewhere to go Saturday, but my job did not transfer over yet because they keep saying the lady is not and every time I call to finish my transfer to XXXX so therefore were not getting paid we dont have a check or anything so thats why we want emergency fires just to have gas to put the car somewhere and get around and look for jobs and for food and they refused it and would not explain why they refused to explain why saying that they dont have to tell me that, but its my account so they have to tell me and then again hung up the phone when I told them while they were being reported to so Im not sure what is going on, but they did give my mom emergency funds for the exact same situation. We are all in this together for the exact same reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and ONEMAIN ran an unauthorized credit inquiry on me on XXXX XXXX. I contacted the company telling them I did not authorize the inquiry. I am a victim identity theft fraud ; I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please deleted these unauthorized credit inquiries.
Product: Debt collection

I previously disputed with the company of the following charge off account. I have attempted on numerous of times how could they have verified my account as accurate if it's so many inconsistencies. The company has not once sent any method of verification or deleted the account due to inaccuracies. As you know, this is a violation of my rights so as a result of that, this account needs to be removed from my reports immediately. 
The inaccuracy is - report is claiming to have Balance amount higher than the actual High Balance amount which cant be. Also ALL accounts are supposed to provide a date of last activity which they failed to provide.
Product: Debt collection

The debt was not mine/paid, but thought paying it would be easier then going the not mine route. 

I was seen in the ER at XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, GA XXXX due to being involved on car accident that I was not a fault for on XXXX/XXXX/XXXX. The hospital was given the driver that was at fault information. 

On XXXX/XXXX/XXXX I noticed I had a collection from Central Financial Control for the amount of {$550.00}. I sent a dispute through XXXX that day that I had no knowledge of this debt. On XXXX/XXXX/XXXX I received my first notice and a letter to settle this debt for {$270.00}. I wanted to get this taken care of right away the same day I made a payment of {$270.00} with the understanding the debt would be settled and deleted from my report. I was told I would be mailed a receipt. 

To this day I have not been mailed a receipt and the balance is still showing on my report as closed. I used my XXXX card to pay for the balance and they are also requesting documentation on the balance paid. This needs to be removed as I was not notified in a timely manner and I made payment as soon as I was aware of this balance. I was also told it would be removed if the balance was paid.
Product: Credit reporting or other personal consumer reports

i am a victim of XXXX XXXX and someone has used my personal information to sucure credit cards and auto loans using my personal information. and also there are many fraudulant address on file that do not belong to me and XXXX is violating my rights by reporting these fraudulant address when i keep caaling them asking them to please remove the address but is refusing to do so! .there are also fruadulant accounts opened in my name due to XXXX XXXX. 
fraudulant address : 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

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXXcount number XXXXXXXX XXXX XXXX  number XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, The List of Accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX, has violated my rights. 

These accounts are showing under negative items charged off as bad debt as the following and should be removed : You have a serious delinquency ( 60 days past due or greater ) or derogatory indicator on your credit report.

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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

fraudulent & inaccurate information shown on credit report. need it gone immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed XXXX XXXX XXXX XXXX XXXX XXXX reported that I owed {$190.00} on XX/XX/XXXX. I paid it off on XX/XX/XXXX. I was on XXXX XXXX today and saw that I disputed this XX/XX/XXXX. TRANSUNION stated that the payment was paid but they missed removing it from my report. Now, they want me to send them a XXXX word statement resulting in my complaint. 

I am sick and tired of credit reporting companies and their admission of not doing their jobs and wanting me to assist them. I paid the bill, they know this and still want more. 

Please help consumers resolve matter such as this. This is causing my score to drop every day.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a recent hard inquiry ( XX/XX/23 ) on my credit report from Capital One that is fraudulent. I was the recent victim of identity theft and have been working to correct and undo the damage done to my credit. Capital Ones system will not allow me to speak to anyone without entering a card number and there is no corporate email. All the responses I ever get back are we aren't the correct department and direct me to a number that goes nowhere.
Product: Debt collection

XX/XX/XXXX : Vehicle accident in XXXX XXXX AZ. XXXX XXXX XXXX. 
XXXX XXXX XXXX declared total loss and negotiated with Ally Financial Inc . 
XX/XX/XXXX : Ally sent Letter of Guarantee to XXXX XXXX stated net payoff amount of {$15000.00}. 
XX/XX/XXXX : XXXX XXXX mailed check in amount of {$15000.00} to Ally. The check was cashed by Ally. 
XX/XX/XXXX : Ally Financial Inc. deducted {$390.00} from my checking account after payoff settled. 
I telephoned Ally and XXXX to no avail. I requested a refund of {$390.00} that I believe was taken after the fact and is wrong.