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

This is one of my numerous 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX. Please delete.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX Social Security : XXXX XXXX XXXX Experian To Whom It May Concern, [ Date : XX/XX/XXXX ] URGENT MATTER I am writing to formally dispute and request the immediate removal of fraudulent accounts and information from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). I have identified the following fraudulent entries and will be challenging them based on violations of my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
I request the removal of the following fraudulent non-mailable addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Additionally, I request the removal of the following fraudulent accounts from my credit report : XXXX XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Credit Card In accordance with the FCRA, I demand that you comply with the following provisions : 15 U.S.C. 1681 : I have the right to privacy and confidentiality, and the listed fraudulent items must be removed from my credit report.

15 U.S.C. 1681c ( a ) ( 5 ) : No consumer reporting agency may report any information that is adverse and exceeds seven years from the date of occurrence, except records of criminal convictions.

15 U.S.C. 1681s-2 : A person or entity shall not provide any information to consumer reporting agencies if the information is inaccurate, and your company is responsible for ensuring the accuracy of the accounts listed above.

15 U.S.C. 1681e ( b ) : Consumer reporting agencies are required to maintain reasonable procedures to ensure the accuracy of the information provided to them. 
If the above accounts and addresses can not be verified within the 30-day period stipulated under FCRA Section 609 and 611, they must be removed immediately. Failure to comply will result in legal action, and I reserve the right to file a small claims action against your company for any damages caused. 
Please confirm receipt of this letter and provide the necessary documentation verifying the legitimacy of the fraudulent accounts listed above. I expect a response within 30 days, as mandated by federal law. Failure to provide a satisfactory response will result in legal action. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Portfolio Recovery on XX/XX/2019 about an account that was deleted by XXXX  XXXX two years ago. I made a payment and on a recorded call, the female representative stated the account would be deleted from my credit report. I checked my credit report today after I disputed the account, and it has not been deleted. I am filing an attorney general complaint, and contacting my attorney to sue Portfolio if the account is not deleted. I recorded the call and portfolio recovery recorded the call as well, so theres no denying she agreed to delete the account after i made a payment.
Product: Credit card

I would like this complaint sent to the Office Of the Presidents at Macys.

I reported a verifiable issue to which I recorded a few of my issues with Citi and Macy 's. My issue was with Citi.. but, since XXXX XXXX XXXX XXXX executive team chose to lie in a response. I've chosen to follow-up with a truthful response since hers lacked integrity like the rest of the company.

On two occasions I didn't pay my Bill.. once when XXXX, and the other when my contract ended with Macy 's and I had to get XXXX XXXX XXXX XXXX XXXX So I thought it best I pay for what would help me live first.. 

In XXXX NOT XXXX I received the offer for settlement. I called asked to speak to a XXXX at. CITI and got told one would call me back. No one called me back from Citi recovery.. In XXXX I called back and got told my account was back with Macy 's I said Macys said it was with recovery... They said No Macys took the account back to review.. I said ok so how to I settle this account can I get a manager and as usually they hung up. I then get the harassing calls again.. I answer say hello hello no one answers I hang up call back I get a prompt that my social doesn't work in... or zip ( have a recording )... I dial XXXX and I get a rude rep... I ask for a manager .. get hung up on by Citi.. I call back ask for a manager.. this process of calling ( cold call proceeds and in XXXX I get the same harassing calls.. I call back and decide Im tire of being harassed and asked for my FULLLLL social which I recorded a manager saying they aren't supposed to ask for that first.. I get a rude rep I tell him how much can I pay he makes it clear id have to pay the full amount. I said can I pay a payment plan minimum XXXX he said NO the system will tell me the minimum you can pay .. he seemed uninterested in doing this.. he Tells me your first payment will be XXXX and then XXXX after each month.. he said you will have to listen to a script in order for you to pay.. I said ok and I agree. I check my account XXXX removed .... weeks later I get harassing cold calls ( I recorded ).. I get hung up on, told my account isn't with them, or yelled at saying let them assist and I can't speak to a manager and have to pay that I have no payment plan.. I said that's impossible. they get me a manager... She says clear as day ... the representative did not complete the process... Now I found that impossible because I read the agreed to a script over phone for this...

She THE MANAGER says she will investigate and she will see what she can do about my original settlement and interest .. BECAUSe OF THE SERVICES ISSUES... I make a XXXX  complaint and a CFPB complaint on CITI ... and XXXX XXXX responds .. with false occurrences..
Product: Debt collection

they called me and accused me of taking out a payday loan and after proving to them that it was not me they started making treats saying that they were going to take legal action against me if I did not pay them money
Product: Vehicle loan or lease

In XXXX I purchased a car from XXXX of XXXX corner in VA. It was a XXXX XXXX XXXX. I had to vehicle for less then 4 month and the vehicle died on me .I went back to the dealer and was told because I didnt purchase extended warranty there was nothing they could do. So they ended up taking the car off my hands and put me in to a XXXX XXXX XXXX and rolled that entire loan into my new loan .They sold me a lemon and new it was a lemon and held me fully responsible. I just finished paying off the loan that includes both loans which is not fair
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of the recent CFPB Lawsuit highlighting significant issues with the platform. Despite using Zelle various of times and reporting discrepancies Zelle and my financial institution ( XXXX XXXX ) has failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. CFPB indicated that not only has Zelle neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving consumers vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns for consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

have disputed with all three-credit bureau to have fraud inquiries remove
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT THE DISPUTE LETTERS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX,. TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS. THERE ARE SIX 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA ( FAIR CREDIT REPORTING ACT ). PLEASE DELETE AND AMEND ACCOUNTS AS REQUESTED BELOW. 

THERE IS VERY SUSPICIOUS BEHAVIOR GOING ON WITH YOUR INVESTIGATIVE PROCESS AS XXXX  AND TRANSUNION HAVE COME BACK WITH INVESTIGATIVE RESULTS WHEREBY THEYVE DELETED THE BELOW ACCOUNTS THAT YOU STILL SHOW ON MY CREDIT FILE. I AM SURE YOU DO NOT WANT YOUR INVESTIGATIVE PROCESS EXAMINED IN COURT IN DISCOVERY SO PLEASE DELETE AND THE AMEND THE BELOW ACCOUNTS WHERE APPLICABLE.
Product: Checking or savings account

On XX/XX/2017 I deposited a check into my account using US Bank ATM. The check amount was {$2500.00} but the ATM machine read it as {$3500.00}. The about written in words was clearly {$2500.00}. So I deposited the check for {$2500.00}. 4 days later on Saturday I received a letter in the mail from the bank saying that they reversed the whole deposit and none of the funds are available in my account. From what I understand if there is a dispute the amount written out in words should be controlling. However US Bank chose to make {$0.00} available to me. And the first time I found out about it was on Saturday when the bank was closed. I called customer service but the lady on the phone said there is nothing she can do and that she ca n't even see what was done and that I need to go back to the bank on Monday and try to present the check again. I need to have the funds in my account asap and there was no reason for the bank to deny making funds available to me.
Product: Debt collection

I am currently enrolled in a XXXX XXXX XXXX program for all my medical bills. Harvard Collections Service was deducting $ per month until I enrolled in the program. Once enrolled in the consolidation program, the agency were informed to cease deductions. They were provided the information to call to work with XXXX ; however, they continue to ignore and deduct without consent. In XXXX they continued to deduct which lead into XXXX and most recently in XXXX. I have spoken with the representatives and informed them to stop. They are calling repeated, continue to deduct from my bank account after they were instructed to stop. The deductions caused overdraft charges. I spoke with the manager, XXXX XXXX XXXX informed him he is violating my rights, deducted without consent. I sent an email and a certified letter ; however, filing a complaint since my efforts are ignored since XXXX. I will contact my bank and advise them any more deduction is illegal. they continue to run my credit every few months causing my credit score to drop dramatically which is effecting other issues. If you help that would be grateful.
Product: Credit reporting

The Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), Section 611 ( a ) ( 1 ) ( A ), Section 611 ( a ) ( 7 ), and Section 611 ( 5 ) ( A ) requires credit reporting agencies to verify all accounts posted on a credit report or delete the credit report. The FCRA requires verification by the credit reporting agency actually holding the original signed consumer contract and providing a copy of that contract upon request. I have requested verification by Experian ( 4 notarized letters by certified mail ) and Experian has ignored my request. Under the FCRA, unverified accounts must be removed. Experian 's failure to verify means my accounts must be removed from their database, which Experian refuses to do. Please have Experian comply with the FCRA and either provide the verification or delete unverified information from my consumer file.
Product: Debt collection

I was contacted by MRS BPO , LLC on XX/XX/year> ( Tuesday ), at XXXX XXXX central standard time regarding a debt with XXXX XXXX XXXX. I did not get the representatives name, however I did inform her that I did not want to be contacted regarding this debt with any form of oral communication at the following number XXXX. I did inform the company that information regarding this debt, they can contact me through mail. I specifically told them to cease and desist all communication to the following number XXXX. I gave them my address and the representative, asked me what was the debt regarding and I informed of the type of debt, which I found to be peculiar that I was asked the nature of the debt. On, XX/XX/year> ( Wednesday ) at XXXXXXXX XXXX central standard time, MRS BPO , LLC contacted me again at the following number, XXXX, regarding the same exact debt. I do not have the representative 's name. I informed the company that I spoke with someone on XX/XX/year> and I told the representative that I have spoken with someone from their company to not contact me at the following number. The representative informed that she did not have the information noted and that it must have been another company that reached out to me. I told that she was mistaken and that I specifically told someone from her company not to contact me orally and that I only wanted to be contacted through mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help!

XXXX XXXX XXXX XXXX XXXX Date Opened>>> XX/XX/XXXX XXXX XXXX XXXX XXXX  Date Opened>> XX/XX/XXXX
Product: Credit reporting

Sent letter requesting validation of all claimed verification on credit report, no response was ever recieved
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, experian. list a wells fargo credit card and XXXX XXXXXXXX XXXX credit card i have never had either one of these. I do have a mortgage through wells fargo. wells fargo credit card XXXX, XXXX  XXXX XXXX card unsure of amount but says late. neither card i have no knowledge of. i have filed disputes. will not remove and they say they were opened in XXXX but then will say its XXXX XXXX XXXX and it makes it look like this is a new account i am late on. the wells fargo and XXXX XXXX XXXX have been reported these are not my accounts and it is strange it is just now showing up on my report. i have never been contacted by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Acct number XXXX XXXXXXXX I did not provide permission for this to be reporting to my credit report. 


Please remove right away.
Product: Credit reporting or other personal consumer reports

RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation and not reporting accurate. 
XXXXXXXX XXXX XXXX Account Number : XXXX Please delete from my credit report immediately 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation and not reporting accurate. 
XXXXXXXX XXXX XXXX Account Number : XXXX Please delete from my credit report immediately 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation and not reporting accurate. 
XXXX XXXX Account Number : XXXX Please delete from my credit report immediately 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation and not reporting accurate. 
XXXX XXXX XXXX Account Number : XXXX Please delete from my credit report immediately Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : State Senate CC : Federal Deposit Insurance Corporation CC : Controller of the Currency CC : Federal Reserve System CC : XXXX and XXXX XXXX : Federal Trade Commission CC : State Regulatory Agency These fraudulent information should be deleted from my credit report in the next 5 days. Please see the attached file.
Product: Credit reporting or other personal consumer reports

Experian.com manages my account profile, but experian refuses to change my phone number. I can not access my credit to unfreeze my credit reports. Experian is denying me acces to credit because experian does not permit users to change phone numbers and has no mechanism beside phone calls to report the issue. 

can not change phone number on account profile. Tried three times XXXX, XXXX, Get " We couldn't verify your phone number at this time. Try again later. '' error. 
Tried to file complaint from experian web site, but no form exists to file account error.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an alert on my XXXX XXXX report that on XX/XX/XXXX that was reported that XXXX XXXX reported that XXXX was opened on XX/XX/XXXX for {$1400.00} for collection on my Transunion Credit. I  called XXXX in XXXX, Oh and spoke to XXXX and imformed gave them information with my Social and  he informed me that my account was not active and the last time my account was opened in XX/XX/XXXX. I don't have any cash advances. The XXXX XXXX contact is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX contact number XXXX XXXX. I think this a scam
Product: Debt collection

Today XX/XX/XXXX I opened a letter dated XX/XX/XXXX in the mail addressed to myself stating that I had a balance with XXXX Amount due {$670.00}. It was from ERC stating trying to collect a settlement from XXXX. I called the phone number listed # XXXX, at XXXX XX/XX/XXXX. A woman named XXXX answered and I told her I never had an account with XXXX in my life. I told her no. She went on to tell me I must pay {$200.00} and something dollars XX/XX/XXXXShe said maybe it was fraud-I asked how. I have alerts for fraud on my XXXX XXXX account. She asked if it was from XXXX. I said if I had something in XXXX I would have been contacted prior to this-it 's XXXX. She started to tell me they would take action-I told her the state of Pa has a Statue of Limitations and hung up on her.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account SUNTRUST XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that SUNTRUST was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

i keep disputing this saying i never missed a payment ..i have documents to show i never missed a payment please change this on my credit report as never late. or you will give me no other choose but to sue.this late payments is inaccurate and its affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was 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 information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX XXXXXXXX Balance : {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, submitted an identity theft through FTC ( federal trade commission ) and uploaded it to CFPB on XX/XX/2023. Per 15 U.S. Code 1681c2, the credit reporting agencies have 4 days to block the information submitted. It has now been ten days past the receipt of the identity theft submission. This is willful negligence as I have provided PS Form 3811 and PS Form 3817 attachments showing I mailed to the companies reporting debt validation requests for over 60 days and not one creditor provided any bona fide evidence. Also mailed validation requests to all three bureaus and these entities did not provide any records as per federal law they are supposed to have records. Not one credit bureaus has my written consent to report, these credit bureaus are private corporations and have no legal basis for their actions and are not immune to being sued. They are ignoring my request and damaging my life as this is harming me from getting any credit. These companies are using and benefitting off my data and information while my family and household suffer. After this final request i will be going to the nearest federal district court.
Product: Credit reporting or other personal consumer reports

I am writing regarding an account with XXXX XXXX XXXX that was in collections. On XX/XX/XXXX, I fully paid the outstanding balance of {$390.00}. However, despite the payment, this account still appears as unpaid on my credit report. 

Please update the status of this account to reflect the payment made, and I kindly request its removal from my report at your earliest convenience. Attached is a screenshot confirming the transaction.