23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

When I paid this debt, XXXX of the terms was a pay- for-delete agreement and according to Fair Credit Reporting Act ( FCRA ) the agency is to remove this debt once balance is paid. I am requesting that you launch an investigation into the removal of my settled collection. In pursuant to 18 USC 1028A, I owe no debt to these companies, and they're violating my consumer right to privacy in pursuant to 15 USC 6802. They have the responsibility of reporting maximum accuracy to my credit report and according to 15 USC 1681 ( e ) B they are in violation. This company don't have my permission to use my information in pursuant to 15 USC 1681B.
Product: Debt collection

I don't recall having a contractual relationship with this collection company I C SYSTEM. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Debt collection

XXXX Charged me for a month of service that I did n't use. Tried to say that it was in my contract but it was n't, I still have copy of my contract. Told them this, read them my contract and they agreed. Told them to send me correct bill they said they would but did n't and sent to collection.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are the inquiries that I want deleted from my credit report. Your customer service would not help and take care of the negative inquiries reporting to my credit report
Product: Credit reporting or other personal consumer reports

Subject : Urgent Dispute Regarding Inaccurate Credit Report - Total XXXX XXXX XXXX Account To Whom It XXXX Concern, I am writing to express my extreme concern regarding XXXX inaccurate negative remarks on my credit report concerning a Total XXXX XXXX XXXX account. This appears to be a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I have been reported twice for the same account, both of which are listed as " charged off. '' This is incorrect. There should be only XXXX entry for this account, as it is the same account. I request that the duplicate entry be removed immediately. 



Please take immediate action to remove the duplicate entry and ensure that my credit report accurately reflects my financial history. I will take further action if necessary to correct this situation. 

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

I have spoken witXXXX XXXX XXXX XXXX  on several occasions and they removed the lates once and then placed them back on. I have NEVER been late with them EVER! I need them to remove the two lates from my report of XX/XX/2018 & XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX. Re : Account Number : XXXX Original Creditor : XXXX XXXX XXXX To whom it may concern, XXXX XXXX XXXX XXXX a subsidiary of XXXX XXXX has had 728 XXXX XXXX XXXX Complaints in the last 3 years and 36 complaints filed with the CFPB recently. Errors are being made and it is defamation against me which is costing my family money and making me XXXX ; my families blood is on their hands and they don't care because I'm just a poor XXXX man. I'm not XXXX  though and I will save to fight this in court. On multiple occasions I requested proof of this debt with from Transunion. Absent such proof, they must terminate this from my report, and correct any erroneous reports of this debt as mine IMMEDIATELY. Their continued silence in this matter is unacceptable. Either provide the proof or correct the record and remove this invalid debt from my credit report ITS SO SIMPLE AND SEEMS " FAIR '' AND CORRECT!!! This is a request for the REMOVAL OF THIS ACCOUNT FROM MY REPORT! I have copied the XXXX XXXX XXXX, FTC & Attorney General of Washington and the CFPB. I will be taking legal action against Transunion if this erroneous item is not removed from my report. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

The following account are affected : ( 1 ) CREDITOR : XXXX XXXX TYPE : PERSONAL LOAN ACCT # : XXXX ( 2 ) CREDITOR : **12 XXXX XXXX XXXX XXXX XXXX TYPE : PERSONAL LOAN ACCT # XXXX ** The account with XXXX XXXX XXXX  is in collection being serviced by Security Credit Svcs I did not receive any written notice as required by 606. Disclosure of investigative consumer reports [ 15 U.S.C. 1681d ] ( a ). Which states that the consumer is to be notified within 3 business days by mail that my credit was being reviewed. 

Please block and remove the above accounts from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the  Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.
Product: Money transfer, virtual currency, or money service

Date : XXXX Zelle scam sent {$390.00} to a XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX said it was authorized ( unfortunately it was not yet the transaction still happened. My phone was hacked and the transaction went through. ) the bank refuses to fix the problem because they see it as an authorized transaction.
Product: Credit card or prepaid card

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I see multiple XXXX days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting or other personal consumer reports

I have open disputes Im filing against in regards to their data breeches. 

This is for Experian, Equifax and Transunion. 

I am going to court house today to file a claim against all 3 and this company. I am suing everyone for damages. I will upload case number once everyone responds. 

This has to stop and this was the last result.
Product: Payday loan, title loan, or personal loan

My original loan was {$6000.00} amount from statement. 
I was told that my 1st payment would be about {$150.00} more than my monthly payments for an admin fee. I questioned payments because I'm on a fixed income and before I finalize loan I wanted to know it would fit my budget, I was assured that it would. That was a lie. I have paid XXXX to date. In XX/XX/XXXX before my due date I contacted company to request late payment waived because I was going to be 1 week late with payment. I was told when my car was repossessed by them that this was an option when I explained that XXXX of the month, 1 day after due date I receive additional monies to complete payment. As soon as additional monies was available, I went online and paid. This was the first time asking but neither rep would acknowledge that I was told this. I asked to speak with the rep that I spoke with previously but told they were unavailable. I made payment as I said minus late fee. Per billing ; XXXX, XXXX, XXXX and XXXX it showed and unpaid late fee of {$30.00} with payment of {$440.00}. I made {$440.00} payment on XX/XX/XXXX. After that payment, they changed status of {$30.00} from unpaid late payment to part of loan payment which made the status of my loan payment as late and incomplete also charging me another late charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of credit info without written communication
Product: Debt collection

I was included on a group text chat that gave private information like names and debt amounts and company names. Here is the message : " [ REDACTED FOR PRIVACY ] Account # [ Redacted ] -Hi [ Named indebted ], please reach out to XXXX XXXX to discuss an open debt in the amount of {$6700.00} with XXXX XXXX XXXX, XXXX client is preparing to take action against you, for defaulting on your cash advance. email XXXX to arrange your payment. I look forward to hearing from you on this urgent matter, thank you '' Once I let them know that I was not to be contacted because I was not who was named, they continued to send messages from this " Triton Recovery LLC ''. They are very obviously predatory and use harassment tactics to instill fear into victims and " clients ''. When I tried to call them and let them know I'm not who was mentioned and that it was in violation of the FDCPA, a woman named XXXX began to speak over me very rudely and talk down to me stating, in a very condescending way, that she " appreciated my attempts to educate but that they don't follow the FDCPA ''.
Product: Mortgage

I XXXX XXXX is an customer with the XXXX XXXX XXXX with dr XXXX. The loan officer XXXX XXXX stated I can go under contract while I am in the club. XXXX stated that the Florida bond and the 10000 that dr XXXX closing that I would have nothing due at closing. After I signed the contract and paid 150 of my binders fee with the sale agent XXXX XXXX on XX/XX/XXXX, XXXX stated that it will be 4000 due at closing. I have told XXXX several times that I have no money for closing and that is why I applied for the FL bond. I feel that I was told what I needed to hear just to sign the contract. XXXX XXXX has ignored several texts and calls regarding me getting my binder fee refunded due to me not being approved of what the loan officer XXXX XXXX stated
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Help me with this situation. Someone has gotten hold of my Identity I Had to shut all of my Bank accounts Down Due to fraud I also notice that my Credit files Has accounts that I did Not Authorize i never open any of these Accounts This Is All due to Fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am writing to formally dispute the recent credit report that contains duplicate entries for my account. The duplicate entries are being reported with the same creditor and open date. 

I believe this reporting may be in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the collection agency has failed to : Provide validation information : As required by 12 CFR 1006.34 ( b ) ( 5 ), the collection agency has not provided the necessary information to validate the debt, including the amount, the original creditor, and the date the debt was incurred.

Allow me to dispute the account : In accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been given the opportunity to dispute the debt within the required timeframe.

Refrain from furnishing false or misleading information : The collection agency 's actions in reporting this account without proper validation and disclosure constitute false, misleading, and deceptive practices.

Comply with disclosure requirements : Under 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), the collection agency is prohibited from furnishing any account to a consumer reporting agency without providing all required disclosures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Transunion on XX/XX/2018 to have some incorrect information removed from my credit report. I received a file # XXXX which is the same file # I receive anytime I contact them about any issues. My Transunion credit report currently shows an account with XXXX XXXX/XXXX XXXX which I have disputed as not my account and received notification ( I will attach a copy of that notification stating the account was removed ) stating that, " XXXX   XXXX  / XXXX  Account Removed From Report Closed accounts are usually removed from your report after seven years. Once they're removed, the account details will no longer affect your credit score. 

Between XX/XX/2018 and XX/XX/2018, your account with XXXX XXXX / XXXX  was removed from your credit report. '' This info was provided to me by XXXX XXXX. I also had this same account listed on my XXXX  credit report and I disputed it there, as well. I received the same notification on my XXXX  report stating, " XXXX XXXX  Account Removed From Report Since this account is no longer on your credit report, its details won't be factored into your credit score. Accounts can sometimes be removed due to things like disputes and reporting errors. 
Between XX/XX/2018 and XX/XX/2018, your account with XXXX XXXX  was removed from your credit report '' NOW ... the account is listed on both my XXXX  and Transunion credit reports. They are not allowed to remove an account from my credit report which was disputed and add it back again. 

In addition, Transunion will not allow me to log in to view the dispute from this that I filed several weeks ago stating that the dispute is still in progress.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late ! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

Company : XXXX Account # XXXX XXXX XXXX  I reviewed my consumer report and noticed there is inaccurate information reporting on my credit report. Account is reporting under someone else 's name. 


I contacted Equifax and requested investigation & removal of inaccurate account from my report. Such proof has not been provided.
Product: Money transfer, virtual currency, or money service

My debit card was hacked via PayPal several times between XX/XX/XXXX - XX/XX/XXXX with several unauthorized transactions made on my XXXX account. Duplicate accounts were made with my information. When I complained the charges were removed by XXXX. PayPal made unauthorized transactions to my debit card to match the fraudulent charges without my knowledge despite being in recent communication with them. That caused me not to have access to those funds in my checking account for 3-5 business days. 
I called to see why this was done and PayPal refused to give a satisfactory answer. They provided wrong information stating PayPal has never been hacked. They described making the unauthorized transactions as procedure. 
PayPal also denies their role in me being hacked. On XX/XX/XXXX I filed a complaint with the CFPB. Included in that complaint was demands that PayPal provide more information about the hack. I also demanded an explanation as to why my debit card was charged instead of my PayPal account. I also demanded PayPal explain why they chose to make unauthorized transactions to my debit card several times in the amounts I was hacked for without my knowledge. PayPal refused to provide appropriate answers, but instead chose to provide a statement about them having permission because I signed up. I followed up with a demand for a straight answer and PayPal ignored the demand as well as the CFPB. On XX/XX/XXXX my XXXX account was hacked the same way as my XXXX account. XXXX explained that a duplicate account was made using my information and was able to make an unauthorized transaction on my debit card. All of the hacks involved were done while PayPal was my payment option.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing Experian and XXXX that I was a victim of identity theft. Experian and XXXX are failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. Experian has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I need them to be held accountable & have the this account blocked/removed : XXXX XXXX XXXX Date Opened : XX/XX/2011 Balance : {$4200.00}
Product: Vehicle loan or lease

XXXXXXXX XXXX XXXXXXXX, Washington They where sending me emails texting me tell me they have a special program with Chrysler capital to get a first time new car buyers loan with Chrysler capital for a XXXX XXXX XXXX used with XXXX miles on it in XXXX with flat tires and barley any oil in the motor!. Three quart low on XXXX XXXX motor oil for a XXXX thats why it sounded like a diesel because it was almost out of oil. 
So I had a XXXX XXXX XXXX XXXX XXXX XXXX door loaded with {$3000.00} down as a down payment and they never added any of it in the contract like they said they would do and the special program was a scam you into a car loan with them at an untold amount of interest rate!. After a wile a towing company called me and asked when I was going to come pick it my XXXX out of XXXXXXXX XXXX XXXX XXXX. I asked what happened they told me the car was involved in a car accident while it was under my name under XXXXXXXX XXXX XXXX policy that was canceled!.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Zelle for their failure to provide adequate assistance and protection regarding an unauthorized transaction on my account. When I attempted to resolve the issue, Zelles help feature was unresponsive, and their customer service number offered no meaningful support, leaving me without a solution or reimbursement for the funds lost. This highlights a broader issue that has already led to a Consumer Financial Protection Bureau ( CFPB ) investigation and an ongoing class-action lawsuit against Zelle and its partner banks. The lawsuit alleges that Zelle has knowingly failed to address systemic flaws in its platform, enabling widespread fraud and leaving customers without recourse for unauthorized transactions. Despite being aware of these issues, Zelle has not implemented sufficient safeguards, such as real-time fraud detection or reliable reimbursement protocols. Their model prioritizes speed over security, putting customers at significant financial risk. I request that the CFPB ensure Zelle strengthens its fraud protection and customer service processes, and I ask for assistance in securing reimbursement for the unauthorized transaction I experienced.