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

XXXX  ; XXXX  and Transunion should not be reporting that I am ( 30 ) days late on the XXXX XXXX   XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

They constantly call me and my family members threating to ruin my credit unless my supposed debt was paid in full. They are very rude and unprofessional. This is a fraudulent company who is accessing peoples credit, harassing them for fake debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found inaccurate information reporting to my credit file. Please review the following Account name : XXXX XXXX Original Creditor : XXXX Please delete this inaccurate information from my credit report immediately. 
Once you have completed my request, please send me a copy of my credit report reflecting these changes. 

I contacted transunion by certified mail they refuse to investigate claiming they weren't sure if the letter was from me
Product: Credit reporting, credit repair services, or other personal consumer reports

U S DEPT OF EDXXXX {$5500.00} Closed Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Education Loan Balance on XX/XX/XXXX Loan Amount {$5500.00} {$5500.00} Payment Info Status Seriously past due date / assigned to attorney, collection agency, or credit grantor & apos ; s internal collection department Status date XX/XX/XXXX Past due amount {$5500.00} Original loan amount {$5500.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX C C C - - - - - - - - - XXXX C C C C C C C C C C C - XXXX - - - - - C C C C C C C C Collection - Data Unavailable
Product: Credit reporting or other personal consumer reports

This account is being reported when XXXX sent me information stating it to be removed in 2023 it need to removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX. I have gathered the following information from my XXXX, XXXX, and Experian credit 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) ... all have violated my rights as listed below.

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

i have been a victim of identity theft, and i have been trying for a long time to work this out, but collector keeps harrasment calling me constantly, and will not send me information so i can try to see who has stolen my identity for these accounts, no information has been received
Product: Credit reporting or other personal consumer reports

In accordance with the principles delineated in the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX invoke the doctrine of estoppel by silence to assert that the absence of provided evidence regarding the purported student loan absolves me from any obligation thereof. Under this doctrine, the failure to furnish substantiation leads to the presumption of nonexistence of the asserted debt. Hence, I maintain that the alleged debt holds no factual basis due to the absence of supporting proof.
Product: Credit reporting or other personal consumer reports

please follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to reinvestigate these accounts listed below because : XXXX  XXXX open date is not reporting correctly, Date reporting is not reporting correctly Account Rating : Completely incorrect, this account information is not corresponding to me. I had sent letters to the Bureau and I have not received any response and i don't know what else to do. 

Can you look into this matter, please?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX  inquiry fraudulent and unverifiable needs to be removed, XXXX XXXX XXXX fraudulent inquiry and unverifiable needs to be removed,
Product: Debt collection

Cap One Auto opened : XXXX An auto loan has been opened under my name as a result of identity theft. 
Ive never authorized this inquiry nor loan Ive never received any authentication, or mail on this matter I have never signed off on the right for this company to report my information or sell my information to another company. 
Ive filed an FTC report on the matter which i've attached below This debt is not mine and a result of identity theft.
Product: Debt collection

XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX To who it may concern ; i have several collection agencys named THE RECEIVABLE MANAGEMENT & XXXX XXXX XXXX. Please be advised that i am disputing these collections due to the fact that the collections agency ( THE RECEIVABLE MANAGEMENT & XXXX XXXX XXXX ) does not currently have a valid license in FLORIDA to collect on debts. I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that THE RECEIVABLE MANAGEMENT & XXXX XXXX XXXX ) are licensed to collect in Florida. Your immediate response will be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX and XXXX XXXX XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 7 and 8 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below are the names of people and/or organizations who have obtained a copy of my Credit Report without my knowledge. Per your companys request I have contacted ALL of the below companies and have heard nothing back. Upon researching a solution as these inquiries were not initiated by me, I found that Section 611 of FRCA says you can request the method of verification from the reporting agency ( your company ) and if such agency doesnt have legal validation : documents provided bearing my signature where I applied for credit from the below companies, or showing that I have a legally binding open account with the company, then such reporting agency must delete the file/inquiry. 

When I called XXXX XXXX, disputes for all of the below accounts were initiated and no prevail has happened. In accordance to Section 611 of FCRA, I have the right to request the name, address, and telephone number of each person contacted regarding the accuracy of the reporting of the inquiry in which your company spoke with during your investigation ( automated response or e-oscar verification is unacceptable ), yet your company has yet to furnish to me how you have concluded that these inquiries are valid. On my credit file there is a fraud alert and fraud police reports, yet your company is still allowing the pulling of my credit without myself being notified prior. My statement even states to call me prior, nonetheless unauthorized after unauthorized inquiry is happening almost daily.
Product: Student loan

My student loan provider serviced my federally-backed student loans. This student loan provider is Navient. There are a number of issues with the company which reek of corruption to say the least, but the most prevalent issue I have is this. My federal student loans ( not private loans ), should have been covered under the CARES Act provisions that are still effective. As you know, the provisions set forth to protect student loan holders during this international COVID crisis included the interest rate to be set to 0 %, and current forbearance, and a stop on any wage garnishments on any current loans. Despite these provisions, Navient continued to harass, threaten, and bully as they so often do. In fact these same federal student loans were just recently sent to collections, XXXX, who now threaten legal action against me. On a phone call to this agency, the representative on the line admitted to knowledge of the Cares Act and tried to explain the fact that these alleged loans were now owned by them, that the Cares Act and the provisions set by the government do not apply. I reiterated the fact that these loans never should even have gone into default ( just this past week ) in the first place due to the fact that the Cares Act protection provisions are still in place. This behavior is illegal. Not only are the over-inflated price-gouging actions taken by Navient outlandish, they decided to ignore the provisions set by XXXX outlining protection to student borrowers such as myself during this time. Now, this collection agency is no longer involved with the student loan policies ( according to them ), and thus these rules do not apply, according to them. Navient 's behavior is scandalous, to say the least, and this is in direct violation of the protection provided to student loan holders such as myself during a pandemic, nonetheless, the worst I've seen yet.
Product: Checking or savings account

Pentagon Federal Credit Union refuses to provide certain services to consumers who do not effectively communicate via telephone. I contacted Pentagon Federal via chat with a service request and PenFed representatives XXXX XXXX informed me that there is a security reason that Pentagon Federal is not able to provide reasonable accommodations to consumers who do not communicate via telephone but failed to provide any details on what the security reasons are and why it is a burden for PenFed to provide reasonable accommodations to a class of consumers with disabilities and to ensure secure access to all services provided to the public to all customers, nit just the customers who are effective telephone communicators.
Product: Credit card or prepaid card

On XXXX19 Capital One closed my account. I had a XXXX credit line. They are not giving me a specific reason for the closure. I was never late and I pay the bills way ahead of time. I've trying to get the account reopen as I use it mostly for my business. I can't get anyone to return my phone calls. Every time I call I'm directed to a voice mail and nobody calls me back. There is nothing wrong with my credit and I never did anything wrong with this account. In addition I'm owed about {$500.00} in cash back which they haven't credit my account. Please help me
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$6100.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$14000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3600.00} XXXX XXXX XX/XX/year>
Product: Debt collection

Caller from ( XXXX ) XXXX claiming to represent skip trace service for their ASG, looking for unnamed person. I believe this is related to search for XXXX XXXX / XXXX XXXX / XXXX XXXX, claim lead by ASG
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a XXXX XXXX. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. Im attaching the required XXXX Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX
Product: Debt collection

I filed a complete with this collection agency and got a response back stating the closed this fraudulent account. They claimed there was a signature yet again was fraudulent. They stated In response from CFPB that it was closed and they are still reporting it on XXXX  and XXXX  not only are they reporting this fraud account they are causing me damages and XXXX. and they are in violation. Enclosed is Proof that they are still reporting this fraud. I will take legal action without further notice.
Product: Credit reporting or other personal consumer reports

There are 2 XXXX XXXX XXXX  showing up on my credit reports. The XXXX XXXX XXXX  that was opened in XXXX is mine. The XXXX XXXX XXXX opened in XXXX is not mine.
Product: Credit reporting 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. Smart sales and lease Account # ending in XXXX XXXX XXXX  acct # XXXX opened XX/XX/XXXX XXXX # XXXX opened XX/XX/XXXX XXXX XXXX XXXX Account # ending in XXXX opened XX/XX/XXXX XXXX XXXX Account # XXXX opened XX/XX/XXXX XXXX  account # ending in XXXX opened XX/XX/XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish 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 items 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. The cfpbs 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. As of lately anytime i try to send a Zelle it says my account is on hold which makes absolutely zero sense and whenever i reach out for help on the matter there is no reasonable explanation for it. Something needs to be done.
Product: Debt collection

KINDLY HELP ME. THERE IS AN ITEM OF INFORMATION BEING REPORTED WITHIN MY CREDIT REPORT THAT IS INCORRECT. THIS ITEM OF INFORMATION HAS PLACED ME IN THE WRONG LIGHT WITH NEW CREDITORS WHO ARE REVIEWING MY CREDIT APPLICATION AND NOTICING CONTRADICTIONS IN THE DATA REPORTED IN MY CREDIT REPORT. THEREFORE, I AM ASKING THAT YOU CORRECT THIS ITEM OF INFORMATION AND REMOVE THE INCORRECT INFORMATION.
Product: Credit reporting or other personal consumer reports

( a ) In general. You must not use eligibility information about a consumer that you receive from an affiliate to make a solicitation to the consumer about your products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by 1022.21 ( a ) ( 1 ) ( ii ) of this part.
Product: Credit reporting or other personal consumer reports

As of XX/XX/year>, I have been consecutively disputing fraudulent accounts, inquiries, and personal information that is reflecting on my report. I have contacted this company XX/XX/year>, and submitted a block request for a fraudulent address, they told me that the address would be removed in XXXX hours. Later that day I received an email requesting that I submit FTC report in order for them to honor the block. I called in today to let them know that I have already submitted plenty of FTC reports and to attach XXXX to the block request. I was then told that I could not dispute this even though I already disputed it the day before and I had the email stating what to do to move forward. The representative stated that because a fraudulent account that I have not been successful in removing from my report in previous disputes, ( XXXX XXXX ) even though I have submitted all documentation for that dispute as well, is the account that is reporting the fraudulent address and because of that they can not remove it. The law requires companies to delete disputed unverified information from consumer reports. The company ( XXXX XXXX XXXX has never verified any information or sent debt validation to me after requesting it several times. They have sold it to another company and should not be reporting on report anyway, Therefore, there is no reason to stall this situation and refuse to block the address or account.
Product: Credit reporting or other personal consumer reports

i filed a complaint with the cfpb XXXX. Experian contacted me and said they updated my account however they did not update it correctly. Experian continues to violate my consumer rights by reporting false information. I uploaded my documents and requested they remove all XXXX accounts. Experian has only removed one as og XX/XX/2024 my consumer report is showing this false inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX