23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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. Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A 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. The above companies have not verify proof of my identiy, drivers licence or signatures
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft due to the XXXX and XXXX data breaches. I am filing this complaint because TransUnion has failed to comply with its obligations under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act. Despite providing the required documentation, including an identity theft report, TransUnion has not blocked fraudulent accounts and inquiries on my credit report or resolved the matter in a timely manner.

The delays and lack of action have caused harm to my credit and financial well-being. I request the CFPB to investigate and ensure that TransUnion : Blocks fraudulent information from my credit report. 
Provides confirmation of corrective actions taken. 
Attached are all relevant documents, including the identity theft report, police report, and prior correspondence with TransUnion. Thank you for your assistance in addressing this matter. 

XXXX XXXX XXXX- {$1600.00} XXXX XXXX- {$1700.00}
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this Please remove these inaccurate accounts stated in my credit report, and correct/update late payments on the accounts I was never late.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SSN : XXXX BRIDGECREST XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX According to the Fair Credit Reporting Act, you are required by federal law to verify-through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately Name of Account Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX BRIDGECREST XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I have Tried many times to resolve the this inaccurate account from Credit Collect with account # XXXX That is currently reflecting inaccurately on my credit report. I requested proof of this debt, copies of any agreements with my signature on it and they did not provide anything. Despite the fact that I have disputed the inaccurate account several times, no notice of dispute was correctly filed as required by the FCRA.
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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX : {$270.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} ; 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX not XXXX XXXX. I have asked Innovis to fix this misspelling of my name and they have so far not fixed it. 
PLEASE UPDATE MY NAME TO XXXX XXXX and please take any other bad names off of my report. 

There is a chargeoff/derogatory account on my Innovis Credit Report. IT is for XXXX XXXX XXXXXXXX for {$2200.00} I have been in communication with via certified letters and over the phone with all the 3 big credit bureaus to remove this account from my credit bureaus and all of them have removed it except for Innovis.

The reason they removed it is because this account is not in my name .. it is in the name of XXXX XXXX XXXX of XXXX XXXX XXXX That is TWO DIFFERENT PEOPLE.

I have sent in all my identifying documentation to Innovis so that they can see my name on my social security card, my drivers license and a utility bill to show that this account is NOT my account. 

What I asked them to do is remove this account permanently from my records and they have still failed to do so. Even XXXX XXXX recognizes that they are in error. 

I have also requested that Innovis make XXXX XXXX XXXX account ( which is my car loan account ) a " Paid As Agreed '' .... with no late payments and the 3 big credit bureaus have fixed this and put my accounts to paid as agreed except for Innovis. 

Innovis is extremely difficult to work with. 

Thank you for helping me to fix this problem. 

A security freeze has been permanently placed on my Innovis report but these items still remain to be resolved, removed and updated to a positive credit report.
Product: Vehicle loan or lease

I had a contract and XXXX the car dealer I bought the car from stated if you wreck your car gap will pay if off you wont owe anything I unfortunately wrecked and I did my part I turned my info in and they are saying I owe money still. Also my contract for months said null and null means contract wasnt valid so if my contract wasnt valid why was I paying it? Every month
Product: Debt collection

Since XX/XX/XXXX I was a victim of identity theft. A bill showed up on my credit report about almost three years ago. I have requested and advised over and over that proof of validation be sent to me for the alleged debt. I disputed this account because I never opened the account no proof of validation was ever sent per my request. I have lived at the same address for over 15 years and still no proof of validation of the alleged debt has ever been sent but continues to report on my credit I have asked both Portfolio Recovery and the three reporting agencies to provide me with documents of the alleged debt. I never signed any contracts nor am I in debt to Portfolio Recovery Group they are impacting my credit and life in a major way. I sent the office a request for debt validation and requested a copy of any agreements that I signed stating that I am in a contract with Portfolio Recovery Group for the alleged debt to date there has never been anything sent to my address again where I have resided for years. I recently provided a copy of my current ID AND SOCIAL SECURITY number to this company asking that all original documents be sent showing that my name and birthdate and social match the opening of this alleged account.
Product: Mortgage

Back about close to 15 years I had modified through Bank old America. I had a XX/XX/XXXX XXXX. The house was under financially over XXXX. They modified the 80 % loan, and were suppose to write off the 20 % which was a little over XXXX. The 80 % loan was a little over XXXX this modified. The 20 % loan shows with Bank of America the account was closed or I did not have to pay them. They were very deceitful on the modification. Years later they sold the bad debt to a company that was owned by them or sister company by Bank of America. As time has gone by they sold to other collection agencies such as XXXX. Now almost 15 years later my house is in foreclosure. They said compound interest of what was XXXX now is close to XXXX. They say if I dont pay they will for close. They have address or my home XXXX XXXX XXXX, XXXX, California, XXXX on XXXX under Foreclosure. The young lady who modified loan for me told me to contact you and the Attorney XXXX I did. I need help since I have a wife and a mother in law who has XXXX that I support financially. My wife cant work since she care for my mother in law. She stopped working in XXXX. Since I dont know law or barley make ends meet to hire an attorney I am desperately seeking our organization and Attorney general before I go public with this dishonest company. I know Bank of America was paid to modify loan which they refused to help by giving me the runaround, so I hired an outside company who took it out of foreclosure but failed to modify. Then I hired another company to modify, which she did. XXXX Bank of America accepted modification, but failed to write off the amount that made the mortgage under value market. They secretly sold the bad debt and it has been sold from hand to hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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

Subject : Formal Dispute of Debt Request for Immediate Resolution Dear XXXX XXXX Columbia Debt Recovery, I am writing to formally dispute the debt that has been placed under my name in relation to XXXX XXXX XXXX. My security deposit was wrongfully withheld, and the debt was subsequently sold without proper legal grounds. This constitutes an unlawful action, and I am requesting an immediate resolution. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am demanding a full validation of this debt, including all relevant documentation proving its legitimacy. Furthermore, given the wrongful actions taken by XXXX XXXX XXXX  in retaining my deposit and selling this disputed debt, I am requesting that you cease all collection efforts and remove this debt from your records. 

Please provide all documentation related to this account, including : 1. A full accounting of the charges that led to this balance.

2. A copy of the contract or agreement that explicitly states I am liable for this debt.

3. Proof that XXXX XXXX XXXX  had the legal right to sell this debt. 
4. Any correspondence or documentation related to this collection attempt. 

If this debt can not be fully verified, I expect it to be removed from any credit reporting agencies to which it has been reported. Additionally, I expect that no further collection efforts be made against me regarding this matter. 

Failure to comply with this request will leave me with no choice but to pursue legal action to protect my rights. This includes, but is not limited to, filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel for potential violations of federal and state laws regarding debt collection and credit reporting. 

Please confirm receipt of this dispute and provide a written response within 30 days, per my rights under the FDCPA. I appreciate your prompt attention to this matter and look forward to a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act.The list of accounts below has violated my federally XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15U.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 then 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I initiated a claim on XXXX and received a temporary credit while my claim was being looked into. I received a letter on XX/XX/XXXX saying the merchant had responded to the claim ( none of which I received a copy of and something which I found out on XX/XX/XXXX by talking with a customer service agent while trying to understand what was going on ) and requesting more information by XX/XX/XXXX. The letter stated I could respond back via mail, fax or their online message center. When I went to upload the additional documentation via the online message center - the message center hadn't been updated since XXXX and I wasnt allowed to upload any of the documentation, along with the fact that there were no status updates. I called immediately and let them know that the message center wasnt giving me the option to upload the documentation online and they suggested I go to a store and fax it over so that it gets there sooner rather than later because there was nothing they could do about the message center not working. Because I had to get a hard copy of all my documentation to fax over and I had to work with BofA business hours- the soonest I was able to get the documentation over to them was on XX/XX/XXXX even though past their requested date only 4 days after receiving the letter in the mail. On XX/XX/XXXX - I saw that the temporary credit was removed from my account and I was charged for the claim- I received no update or notification on this - only knew from checking my balance. I called BofA again immediately to see why and I was told that because they didnt receive my documentation in time the claim was resolved and I was charged for the credit but that they had received my additional documentation and had reopened the claim. On this phone call I expressed to them again that their message center isn't working and I am not receiving updates and that letters I am being sent are about 1-2 weeks delayed. I have called BofA 3 additional times since XX/XX/XXXX to ask for an update status over the phone since their online message center isn't working and I have yet to receive a letter confirming the case has been reopened per my discussion with their customer service associates. Additionally, I've been told that the customer service associates are not actually working on disputing the claim nor am I allowed to speak with those disputing the claim or them with me and that any message I want relayed to them has to be through the customer service associate. Every time I call I I speak with a new customer service associate who I have to explain and prove to that their online message center isn't updating me or working because none of them initially believe me and they think I just dont know how to navigate their online system. So every week I am calling for a status update because I have yet to receive any updates by mail since my case was reopened.
Product: Credit reporting, credit repair services, or other personal consumer reports

please stop ignoring my rights to privacy and to have misleading items removed from my report FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I need your assistance with the incorrect account thats currently listed on my credit report. This mistake has hurt my reputation, and I need your help to address it. Your inaccurate reporting has put me in a tough spot, and it has ruined my good name. You must remove this false information from my credit report.
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 very serious and 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 my lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users like myself vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious and troubling concerns about consumer safety and consumer protection.