23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

My account is being handled by a XXXX  party to settle with my Comenity Bank- VS account. This third party tends to automatically withdraw my payments as scheduled, and apparently, the last payment posted happened in XX/XX/year>. After that, in XXXX, XXXX, and XXXX, all payments were not processed, affecting my credit. I tried to contact this third party via phone and no answer ( only ROBO messenger of waiting ). No correspondence or email at all was ever received. I have tried to contact Comenity Bank VS Representative and apparently, they do not even have the information of the third party settling my account only referring to a telephone number to contact them. 
May I request your kind assistance in helping me in investigating this XXXX  party and its relation to Comenity Bank. 
Thank you, XXXX
Product: Debt collection

I have a daughter with special needs, who DOES NOT live with me. Richard Stone & Associates sent her an email concerning my debt. My daughter is in no way connected to this debt. 

I called and spoke to XXXX XXXX. I explained the email issue with him and he promised it would't happen again. 

Yet, my daughter has received an email a week discussing my debt with her and causing her undue stress. 

Again, my daughter has special needs and has enough of her own to deal with, without Richard Stone and Associates harassing her weekly. 

Richard Stone & Associates, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/XXXX I received a credit alert that my credit score decreased. This decrease also reported to all three credit bureaus. The reason for the 22 point drop was because XXXX XXXX XXXX ( XXXX XXXX ) added a comment of " Natural Disaster ''. So I called and spoke with a customer service rep, which was no help at all and kept having a small giggle. So I asked for a supervisor, to explain to my why that comment was added. I paid my balance down significantly, on my own with no assistance from XXXX XXXX XXXX ( XXXX XXXX ). The supervisor informed me that they put that comment on all there clients credit reports because the credit card services was offering a 90 day no interest, late fees on the credit cards. I said, I understood that. However, I did not get any assistance in that nature because I paid my card down on time and it was not late. So technically, that remark should have never been added to my account on my credit. I informed her that putting remarks like that DECREASES consumers scores. My score showed going up for the decrease in balance then dropping 22 points due to the natural disaster remark. The supervisor stated, she will request for that to be updated and removed and they did n't realize it would dropp consumers scores. She also, informed me that if I wanted to go ahead and file a complaint then I can do that as well. So here it is. Now I want to know how I will get my 22 points back? I 'll wait. I do n't know about anyone else, but my credit is VERY IMPORTANT to me and I work hard to keep it up.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX  Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

In accordance with the Fair Credit Reporting act US Department Of Edu 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 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
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report. I have come across information that I have discovered is not mine. 
This letter is a formal complaint that you are reporting incorrect credit information. I do not recognize these accounts and I do not know where they came from. Also, I do not have a contract with these companies. 
I am upset that you have included the below information in my credit profile. I prefer to immediately dispute and have investigated. I believe that I may be a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted LCI and asked them to please remove the XXXX  XXXX and XXXX my private information off their credit file. They said that they needed to verify my identity then they will proceed with my request. I sent them several forms of identification and I still haven't heard back from them. Now all three credit bureaus Transunion, XXXX and XXXX won't remove the Bankruptcys or the accounts that were listed on them. Please remove the Bankruptcys. Please send them a copy of the removal letter. Please send one to me.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$20000.00}
Product: Debt collection

Dear Sir or Madam : I would like to draw your attention to the fraud being perpetrated by Ally Bank. 

Last Fall, I submitted a complaint to the Michigan Attorney Generals Office indicating that amongst other things, Ally was fraudulently trying to collect for damages to a turn in leased automobile. In response to this complaint, Ally responded with the attached letter to me and the Michigan AG whereby it stated in the spirit of customer satisfactionand as a one-time courtesy, we waived the {$180.00} excess wear charge. 

On account of this letter to the Attorney General waiving the wear charges, I made certain reliances including that I would not be made to make any payments. However, Ally has gone back on this representation and now engaged both a collection firm and sought to negatively impact my credit report. Section 807 of the Fair Debt Collection Act prohibits the very fraudulent conduct being conducted by Ally.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to complain about a company called XXXX ( XXXX XXXX XXXX ) that is on my credit report. The amount is XXXX $ The original creditor for this account was XXXX XXXX.On my credit report, there isn't even an account number for this collection so I can not reference it here! 
I have filed disputes with Transunion and XXXX regarding this issue, back in XX/XX/2020 this account was with another agency called " XXXX XXXX XXXX XXXX '' and it was removed! Then the account was sold to XXXX XXXX XXXX and came back! If the account was removed the first time, then that proves it was not a verifiable debt! I have requested method of verification because this is NOT a valid account. XXXX XXXX XXXX have not supplied any type of verification of this account, and I am requesting this right now because it is my right. 

I do not know the account number for this claim at all! 
I am attaching a photo of my XXXX credit report! This account does not even have an account number and is not showing properly!! I DEMAND this to be removed or show actual PROOF that this is my account.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns and the mishaps regarding Zelles handling of disputes. Particularly in light of the recent CFPB lawsuit highlighting major issues with the Zelle platform.Despite using Zelle numerous of times and reporting discrepancies my financial institution and Zelle has failed to investigate my claims fair and adequately.I was informed me recovering my lost funds was almost impossible to get back and tracking the funds was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect their customers but has also allowed repeated offenders and scammers to exploit the system, leaving customers vulnerable to scams.The lack of accountability and transparency from Zelle is completely unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process.

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights- 2- ( XXXXXXXX XXXX/ACCOUNT # XXXX ) Has violated my rights- 3- ( XXXX XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights- 4- XXXX XXXX XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights- 5- ( XXXX  XXXX XXXX XXXX ) Has violated my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

Second request : I submitted a request for collection agency XXXX XXXX, who says the are collection on XXXX XXXX XXXX. I looked up XXXX XXXX XXXX it shows the location for XXXX XXXX. I contacted XXXX XXXX spoke to regular billing and Physician billing and they are not aware of this company. I asked the Physician billing to look for this amount for {$220.00}. The representative could n't locate it and again gave me collection agencies they used and said XXXX XXXX is not one. I am asking again this account be removed from all 3 credit bureaus. Also I signed a HIPPA and this account should have never been sent to collection, when I was never contacted about this account nor balance. This is hurting my credit score and I would like this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my personal information to open a fraudulent account that resulted in a charge off on my credit.I didnt open this account and didnt know of its existance until I received an alert on XXXX XXXX that I have a charged off account. 
Please see the attached Federal Trade Comission report and remove this account from my credit profile as its NOT MINE> I paid the balance that was due
Product: Credit reporting, credit repair services, or other personal consumer reports

Im XXXX XXXX  old never had credit to buy anything or credit cards or or money in bank accounts I have been recently to get a loan am have XXXX cre For unknown delinquent accounts that i never had any kno or consent
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Transunion account my XXXX  XXXX account ending in XXXX is showing my balance of XXXX but on my account its showing my balance XXXX and there are 5 inquiries on my account which there should only be my two XXXX XXXX credit cards and my XXXX XXXX auto loan also my credit reporting score should have increased due to my credit card utilization has dropped from XXXX % to XXXX % I would like this information to be readjusted!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with an account and inquiries I did not authorize, I am in the middle of purchasing a home and this is affecting my approval, please delete Asap
Product: Vehicle loan or lease

I recently pulled my XXXX, XXXX and XXXX credit files to be startled. I came across this company that views my credit file twice on the same day. I never authorized them to look at it once, especially twice. Im guessing XX/XX/XXXX  is their lucky day or decided to try it for a second time. I never gave them permission to look at my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my my constitutional rights. Per 15 U.S.C. Section 602 A States I have a right to privacy, and 15 U.S.C. Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without written instructions
Product: Credit card or prepaid card

I was deactivated my credit card and got acknowledgment of my deactivation but still lot of transactions are posted which are not authorized by me.
Product: Student loan

I was told by XXXX university that my degree was accredited and would be accepted anywhere, I have been turned down by multiple jobs due to not accepting degree from XXXX. I graduated in XXXX 2009, have attempted to find jobs to fit my degree with no luck. 
I am now stuck paying back the loans, with amounts I can not possibly afford monthly, and never being able to use my degree.
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 XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year> 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
Product: Student loan

Multiple phone calls seeking a lower payment or affordable repayment options without having to defer loans due to tight finances was told every time had to pay the amount no options or way to reduce payment also not sure payments fully applied correctly
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), 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 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. XXXX XXXX Hospital XXXX
Product: Payday loan, title loan, or personal loan

My h usband and I are both retired and we did a debt consolidation with One Main Financial b ack in   XXXX  . Our total loan/ cash advances totaled {$75000.00}. To date, we have paid {$77000.00} but their statements still show that we owe {$75000.00}! We requested an itemized statement of all payments, just to make sure our payments matched theirs and it did. We paid roughly {$800.00} a month, every month however, over 90 % went to interest. We asked for an amortization schedule so that we can see how to pay this loan off without bankrupting ourselves. The  manager  said there was none on " This type of loan. '' She further said that it worked like a revolving line of credit, like a credit card. If that is true, why has n't the balance decreased after making steady payments for the past 8 years? They are now threatening to take our home because of this predatory loan.
Product: Credit card or prepaid card

On XX/XX/2019, I changed my wireless phone service provider due to the dispute on my bill which was $ XXXX for one month. My average monthly bill was between {$140.00} to {$170.00}. I cant get an answer so I switched an account to XXXX. XXXX XXXX XXXX charged my Bank of America credit card that was never been authorized. Bank of America provided my credit card account # to XXXX XXXX XXXX because I didnt have enough money in my debit card to pay off the disputed bill. Bank of America revealed my personal information to XXXX XXXX XXXX to make unauthorized charges. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my XXXX credit report. I will sue them if they continue to collect debt that is not mine.