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

I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments. This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 

XXXX XXXX Account number XXXX Account type Auto Lease Responsibility Individual Date opened XX/XX/XXXX Status Repossession. {$9.00}, XXXX written off. {$9.00}, XXXX past due as of XX/XX/XXXX. 

I dont recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments. 
This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 

Account name XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$1500.00} XXXX updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1200.00}
Product: Mortgage

I previously owned property which carried two mortgages. The property went into foreclosure and was sold. OCWEN was the holder of the second mortgage. OCWEN is showing a " charge off status '' on the property, which is reflected on my credit, continuing to severely damage my credit. OCWEN has advised that they require a copy of the " Trustee 's Deed Upon Sale dated XX/XX/XXXX '' and that OCWEN never received one. My Attorney has forwarded the document to OCWEN multiple times, beginning on XX/XX/XXXX, but OCWEN has not acknowledged receipt nor advised my Attorney or me, that the " charge off status '' on my credit report has been removed and my credit amended to reflect the XX/XX/XXXX date.
Product: Money transfer, virtual currency, or money service

Since XX/XX/year> we have submitted multiple documents and documentation for their COA requirements. 
They would respond with generic emails telling us we were not in compliance. We would call and try to talk to someone but that department does not take calls. So all requests for customer support is done by email. Never able to speak to someon to resolve. Emails never provide appropriate information to allow us to resolve. 
We have submitted updated documentation and even paid to have new tests run. Submitted and denied but nit told what was wrong with test. Tests all were according to their required criteria. 
Was told that if we dont have appropriate tests for a product to delete it from the website until we have the new COA. We did that. 
Everything we did was responded by a generic letter. 
Any call was not resolved and told it would be escalated only to send and email. 
The department that processed or is in charge of our account does not talk on the phone so emails get passed back and forth or not even responded to. 
They shut our account down even though we complied 100 % to their requirements.
Product: Credit reporting or other personal consumer reports

I was looking at my report and notice that were some things that was not correct. I sent a letter to Equifax on XX/XX/2024 here is my tracking number XXXX. It has been more than 30 days since the credit bureaus have not responded. That is a violation 15 USC 1681i ( a ) ( 1 ) ( A ). 

Under 15USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness and accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is dipsuted by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the status of the disputed information, or delete the item from file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with Onemain Financial that was charged off and sold. Onemain created a duplicate of that account without my authorization and reported the account with a balance. This duplicate account has the same open date and same charge off amount as the original. As a result, my credit report reflects two separate charge offs from Onemain for the same debt. I have disputed the duplicate account with the credit bureaus, but Onemain verifies the duplicate account as accurate. I disputed the duplicate account with Onemain and they simply updated the status to show " Reached an agreement with a lender to repay only part of the original debt '', which is not accurate because I never attempted to reach an agreement with them and I never paid any money to settle this duplicate account.
Product: Credit reporting or other personal consumer reports

am writing to request that the following fraudulent account be blocked and deleted from my credit report, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this fraudulent account removed. I have provided the details of the account below. 
Account to Be Blocked and Deleted XXXX  - XXXX - XX/XX/year> - {$00.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all XXXX  credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX XXXX to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/202XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed me and 140 million other Americans in protecting our privacy information such as Social Security Numbers. Have these idiots ever heard of encrypting sensitive personal information in their databases?? Apparently they do n't care.
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 XXXX XXXX XXXX. 


Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXXXXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Product: Credit card

The original debt was with navy federal credit union in XX/XX/XXXX of {$3000.00} and was sold to another company with the debt start date of XX/XX/XXXX. This debt should already be off of my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained previously about XXXX XXXX  reporting a 30 days late ( in XX/XX/XXXX ) on actually day 29 ( not 30 days late ) wthe furnisher received notice of a credit dispute from a credit reporting agency, and ( 2 ) the furnisher thereafter acted in willful or negligent noncompliance with the statute.hihc is in direct violation of federal laws. all the agencies have done asked the XXXX ( furnisher of the report ) to verify the information and XXXX verifies they are reporting correctly however that is FALSE. 
15 U.S.C. 1681s-2 ( b ) imposes a duty on furnishers of information to investigate disputed information after receiving notice of a dispute concerning the completeness or accuracy of information from a consumer reporting agency. the furnisher ( XXXX XXXX received notice of a credit dispute from a credit reporting agency, and XXXX XXXX  ( the furnisher ) thereafter acted in willful or negligent noncompliance with the statute. still reporting on day 29 instead of day 30... XXXX has willfully neglected to report correctly and therefore is in violation of 15 U.S.C. 1681s-2 ( b ). 
All there agencies named here ( experian, XXXX, XXXX ) pursuant to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, have failed to establish or follow reasonable procedures, and for failure to delete inaccurate information.

ee 15 U.S.C. 1681e ( b ) ( " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. " ) ; 15 U.S.C. 1681i ( outlining procedures for credit reporting agencies to follow in the case of a disputed accuracy ). See also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX claims against XXXX under 15 U.S.C . 1681e ( b ) and 1681i are due for dismissal because those provisions apply only to consumer reporting agencies. " ). 
If the agencies continue to not properly investigate the late 30 days reporting incorrectly by the XXXX on XX/XX/XXXX ( late 30 days ) I am left no option but to bring a federal lawsuit for damages against each agency under Fair Credit Reporting Act ( " FCRA '' ) for injury to reputation or creditworthiness for over a {>= $1,000,000}. 
XXXX can not report alate 30 days date, when they had payment in their possession on day 30. 
XXXX continues to reprot a late 30 days in XX/XX/XXXX which is incorrect information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked this company to send me the contract saying I still have a balance and they keep ignoring my request. It was just removed on my credit report last month and now its back on there again. Its so many things reporting inaccurately with this account reporting on my credit report and its hurting me from getting a new car because its showing up wrong on my credit report. I have asked them to show me where they are getting these balances from because this account was paid off and closed by the insurance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested XXXX to investigate SPECIFICALLY the Original Creditor listed on a collections account as it was originally disputed as unrecognized or account not mine. The original dispute came back as " verified ''. Thus, resulting in a XXXX complaint and CFPB complaint. I was only able to determine who this company was and who they represented via XXXX  complaint. The company, XXXX, stated they purchased an illegal loan from an illegal lender names XXXX. However, they are reporting Original Creditor as a XXXX XXXX XXXX on credit reports in an attempt to mislead and fraudulently utilize the credit reporting system to attempt to collect and illegal and fraudulent loan which I advised XXXX  upon submitting the dispute to have the account at the very least updated with the correct Original Creditor. XXXX  's dispute results returned with only the status dates and balance dates " modified ''. I have also disputed with Transunion and XXXX  and they will NOT require XXXX to correct the Original Creditor. I have not ever had any contract with a company named XXXX XXXX XXXX nor ever heard of them. The documentation attached will claim that they " serviced ' the account in question however, that does not define a contract with or any indebtedness to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX placed a negative entry on my Experian and XXXX credit reports on XX/XX/2021. The entry is in DIRECT violation of the FCRA and the Medical Debt Relief Act of 2021. Please see my attached debt validation request sent to XXXX and their response.
Product: Debt collection

Dear TransUnion Dispute Department, I am writing to dispute information that is being reported on my credit report. According to my credit report, there is a collection account from XXXX XXXX XXXX ( account number XXXX ) that is marked as unpaid. However, I would like to inform you that I have no knowledge of this account and it has been paid off. 
I have thoroughly checked my records and do not recall having any dealings with the XXXX XXXX XXXX or any other collection agency for that matter. Furthermore, I have no recollection of owing any outstanding balance to this agency or any other creditor. 
Additionally, I would like to inform you that I have checked with the original creditor associated with this account and confirmed that the balance has been paid in full. Therefore, I request that you investigate this matter and update my credit report to reflect the correct information. 
Under the Fair Credit Reporting Act, I have the right to dispute inaccurate information on my credit report, and I believe that the information related to the XXXX XXXX XXXX  account is inaccurate. I request that you investigate this matter and remove the account from my credit report or update it to show that the balance has been paid in full. 
Thank you for your attention to this matter. Please let me know if you need any further information or documentation to support my dispute. 
Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural flesh and blood human being having rights under15 USC 1681.

Equifax is governed by 15 USC 1681. Equifax has violated my rights numerous of times. 

According to 15USC 1681 : I have the right to Privacy, which I did not grant Equifax WRITTEN permission to furnish these accounts. 

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
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app, ( BLOCK , INC ) to inadequate customer services and unfair practices, which violates the financial protection act ( CFPA ) cash app failed to take timely and effective measures to prevent fraud on their platform, leaving my account vulnerable and unprotected! Furthermore, their dispute resolution process was unfair and deceptive, as they dint comply with error resolution requirements, under the electronic fund transfer act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$600.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Zelle 's handling of disputes, particularly, in light of the recent CFPB lawsuit highlighting significant issues with the platform. Dispute 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 unfeasible. The CFPB 's finding 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: Credit reporting

I have been trying to ascertain why Experian dropped my XXXX score by XXXX points on XXXX XXXX, 2016, after raising it by XXXX points six days earlier. I called Experian, but they deliberately have their system rigged so that the customer service representative will not know why/how they made their calculations.
Product: Debt collection

These folks have been robo-calling me at the office about a debt owed to a "  XXXX . '' I am not  XXXX  and I do n't owe them any debt. I called them and asked them to stop calling me and they were rude and hung up on me.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

I was charged {$99.00} by true way savings to my PayPal debit card. I never authorized this amount and filed a dispute right away. PayPal opened an investigation and ruled in the sellers favor. If you look up the true way savings online there is no contact info anyplace so how could PayPal have even investigated them. I have and it's a fraud scam company who had done this same thing for the same amount XXXX XXXX and over again so how did PayPal rule in their favor when it's an obvious scam on true ways part. I want my money back I never aggreed to pay out and an explanation as to why PayPal has found them in favor instead. Unbelievable they claim to protect me in the event of fraud yet don't at all do what they claim.
Product: Mortgage

In the first week of XXXX, I spoke with my lender ( XXXX XXXX XXXX which is the mortgages arm of the USAA ), asking for a forbearance on my VA loan. They said okay, and gave me 3 options of repayment after the forbearance ( which would last 3 months ). The first option was to pay a lump sum, the 2nd option was to get a loan modification, and the third option was to push back the forbeared months to the end of the loan term. I told them I wanted the third option no matter what and they told me I could do it at the end of the third month and that they would let me know in the third month.

The third month has passed and I went to check the website to pay the next month mortgage payment and noticed that my mortgage had been adjusted. Today, ( XX/XX/XXXX ), I called the my lender and asked why this had happened and they told me it was a loan modification that I had not consented to. I told them this is not what I wanted, in the very beginning I said I wanted the third option and they told me that this loan modification was all I had been offered. I asked them to give me the third option and they denied me that option. The reason they gave was because the VA doesn't give that option so I didn't qualify for that option. I asked them if they asked the VA or had proof or documentation that I did not qualify and they could not answer me.
Product: Vehicle loan or lease

promised me lower monthly fees by allowing me to make interest only payments and not explaining that this would increase the total cost of the loan. Told me I could trade the car in in six months. XX/XX/2018 was my purchase time.