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

Subject : Formal Dispute of Inaccurate Account Reporting Request for Deletion I am writing to formally dispute the inaccurate reporting of a debt collection account that appears on my credit report under the name XXXX XXXX XXXX. The account is listed with a balance of {$850.00}, which is falsely reported as past due. I am requesting that this account be removed from my credit file in compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), which requires all information reported to be accurate and verifiable. 

Details of the Disputed Account : Creditor Name : XXXX XXXX XXXX Basis for Dispute : Inaccurate Balance Reporting : The reported past-due balance of {$850.00} is inaccurate, as the original balance of this debt was never with XXXX XXXX XXXX . Furthermore, I have noticed that every few months, the account balance is increased by {$1.00} to keep the account active, which appears to be an attempt to manipulate the status of this account inaccurately.

Failure to Provide Validation Under FDCPA : Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ), all information provided by debt collectors must be accurate and truthful. When I requested validation of this debt from XXXX XXXX XXXX, they failed to provide adequate validation and instead employed scare tactics, including threats of legal action. Such practices are in violation of the FDCPA, and the debt should not be reported if it can not be validated.

Failure to Meet 30-Day Response Deadline : Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), a consumer reporting agency must investigate disputes within 30 days. As of today, more than 30 days have passed without a proper investigation or correction by XXXX XXXX XXXX, and this account continues to be inaccurately reported. 

Requested Action : I request that you conduct an immediate investigation of this matter as required under the FCRA. I also request that you delete this account from my credit report, as the debt is inaccurately reported, and the creditor has failed to validate the debt as required under the FDCPA. 

Please note that under the FCRA, if this information can not be verified within the 30-day investigation period, it must be promptly removed from my credit report. Please notify me in writing once the investigation is complete and confirm that the inaccurate information has been deleted. 

I have attached a copy of complaint that was submitted to the CFPB, along with any supporting documentation related to my request. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to you regarding case number : XXXX ], which was closed by another investigative agency. Despite my repeated attempts to resolve this situation through phone calls, emails, and visits to the XXXX XXXX XXXX XXXX XXXX, I have not received a satisfactory solution. 

I have been informed of a record of a 30-day late payment, dated XX/XX/year>. This notification was not provided within the required 21-day timeframe as stipulated in Section 623 of the Fair Credit Reporting Act ( FCRA ). Additionally, the confirmation of a malfunction in their payment system indicates that the responsibility lies with the banking institution. 

Given the significant impact this situation has had on my financial and emotional well-being, I formally request the removal of this late payment record. I am prepared to present a history of evidence to support my request. 

If appropriate measures are not taken to resolve this matter, I will be forced to consider legal action to protect my rights and demonstrate that the responsibility for this issue lies with the banking institution. 

I appreciate your prompt attention to this matter and look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Refuses to provided proof that this is my debt. Pursuant under FCRA they are required to provide original signed documentation providing proof that this is my debt. This company has failed to provide me with signed documentation, they just continue to harass me via mail, sending the same list of transactions with my name on it but fail to provide the correct documentation to prove this is my debt which is required by law in order for them to collect. Also they have let me know via mail that they REFUSE to reinvestigate due to me not providing new information, what information do I need to provide?, I am simply asking them to prove to me that this is my debt which is my right pursuant under the FCRA or they need to remove it from my credit report because they are now providing false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2, its also states a consumer reporting agency can not furnish an account without my written instructions under 15USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I identified several inaccuracies that I believe need immediate attention and correction.
Product: Credit card or prepaid card

XXXX / XXXX /  XXXX    XXXX   XXXX   President and CEO  , Wal-Mart Stores , Inc.       XXXX   XXXX ,   XXXX    Wal-Mart/SYNCB   XXXX   XXXX   XXXX   XXXX , GA  XXXX  Attention : Credit Car d Services ,  XXXX   XXXX   XXXX   XXXX   XXXX , AL  XXXX   XXXX   XXXX   XXXX   President and CEO, Wal-Mart Stores , Inc.      Please be advised that I am reporting Wal-Mart/Synchrony Bank to the Better Business Bureau due to the claims of not receiving my payments that are received by Synchrony  Bank on behalf of Wal-Mart, and then the Wal-Mart account shows delinquent on my account, Synchrony Bank call center ( out of US juris diction and no one at this center answers the phone for months ) sends annoying calls to me ( when I have paid my account online ) stating that the my account is closed due to delinquent payments. This act on the part of  Walmart/Synchrony Bank represents a scam to confuse the customer ( s ) online who has paid on time and can not determine as to where the payments are received when paid online by the customer ( s ). My account is closed, but the Better Business Bureau needs to investigate matters of this type to stop the harassment made by Synchrony Bank on behalf of Wal-Mart or vise versa profiling and selecting zip codes to be sent out of the United States where the likelihood of reporting this profiteering by Wal-Mart/Synchrony B ank.     Thank you.    XXXX   XXXX   XXXX ,  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I called the bankruptcy court in Maryland. I ask them do they report to the credit bureau. The clerk said no. I receive the bankruptcy letter from there website where the clerk told me to go. They do not report any bankruptcies to anybody .How did the credit bureau verified my bankruptcy as 100 % Accurate. They never did a fair investigation according to 15 USC 1681 15 USC 1681 SEC 603 ( 3 ) ( E ) States ; The Term '' investigative consumer report " means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtains through personal interview with neighbors, friends or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such item of information. however such reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer They also violated my rights numerous times.

The Credit bureau violated my given rights 15 U.S.C 1681 According to : 15 U.S.C 1681 Sec 602 A. States I have the right to privacy.

According to 15 U.S.C 1681 Sec 604 A section 2 : It al states a consumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681s2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has been contacted several times to investigate an error on my credit report. I contacted Transunion directly on XX/XX/XXXX and a representative stated he was opening another dispute of the company XXXX representing XXXX. My complaint is the amount owed to XXXX is incorrect and I have requested the documentation from the date I came to the store showing I purchased my XXXX from the company and showing how XXXX came up with the {$900.00} amount. I disputed using XXXX XXXX on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time, the dispute is listed as valid, however, no documentation is provided to me to review. Therefore, the company is unable to prove the {$900.00} debt and I am requesting it is removed from my Transunion credit report.
Product: Debt collection

A company called XXXX XXXX XXXX is reporting on my credit reports that a 5 year old medical bill is over {$800.00} and that I paid over {$300.00} on this bill that I never did the credit reporting agency 's investigated it once and removed it. XXXX turned around put it back on my credit reports 2 years later with false information I have included the original bill it was for {$310.00} with a start day of XX/XX/2014 and a final appointment on XX/XX/2014 this bill is pass the statue of limitations in Idaho state. XXXX XXXX phone # is XXXX
Product: Checking or savings account

XXXX Capital system was shut down I never received a notice in my email until Thursday morning when I was suppose to receive my direct deposit I contacted capital one and they did not give me a valid reason on why my checks were not deposited. This is dangerous and inconvenient to me and my family .Where is my Money?!?
Product: Debt collection

My social security number is XXXX. 
Since 2011, I am still waiting on wages owed to me. Over the past eight years, I've attempted to make partial payments on my balances owed approximately {$150.00}. I appreciate XXXX XXXX and Swiss Colony accepting money from me over this time. However, I am concerned about damage to my credit. I am still collecting unemployment and now I am starting school next year.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX BANK NA XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported XXXX XX/XX/XXXX, XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00}, XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00}, XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXXXXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX OF XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the credit reporting agencies on XX/XX/2023 and let them know the inquires and accounts in the document included below are not supposed to be visible on my consumer report. I never gave them written consent to report them.
Product: Debt collection

I have sent a notice to AR resources via fax on XX/XX/XXXX at XXXX to fax # XXXX XXXX XXXX to validate that I do n't owe this debt. The company had 10 days from the time they received the notice to respond to me. they have not responded and they have not removed the item from my credit file. When I called them on XX/XX/XXXX, they said they have to dispute the debt with the original creditor. I have no agreement or contract with the collection agency. They refused to update their records. I have attached the document i sent them. This is hurting my credit from getting loans and paying higher insurance rates.
Product: Debt collection

On XXXX XXXX Portfolio Recovery Associates purchased my private information from XXXX XXXX Bank XXXX Portfolio Recovery is allegedly claiming that I owe them {$1500.00}. I do not owe this company nor do I have a contract with them for anything. Both Portfolio Recovery and XXXX XXXX Bank are in violation of consumer code 18 usc 1028a aggravated identity theft and 15 usc 1681.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX Incorrect Name : - XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY XXXX NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Money transfer, virtual currency, or money service

Block , Inc due to inadequate customer service and unfair practices, which violates the consumer financial protection act. Pacifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore they're dispute resolution processes was unfair and deceptive, as they did not comply with error resolutions requirements under the electronic fund transfer act and regulation e. These actions have caused significant and convenience and financial loss and I seek appropriate redress for these violations.
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. Despite 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 was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 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: Debt collection

Upon checking my credit report i notice your company name. I have never done any business with you. I am unaware of any contractual agreement or obligations to pay you. This is my final warning and NOTICE to you. I refuse to pay this alleged debt. Please remove my nonpublic personal information from your database or system of records. I am demanding that you comply under the FDCPA and FCRA and remove this tradeline from my consumer report from any and all credit reporting agencies such as XXXX, XXXX and XXXX immediately upon receipt of this NOTICE. I did not consent to any storing, sharing, using or profiting from my nonpublic personal information. Please note any violation of my consumer rights under the FDCPA and/or FCRA you shall be liable pursuant to 15 USC 1692k and any other applicable laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below is reporting inaccurately on my credit report and it is in violation of XXXX  Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the XXXX  liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I called Caine & Weiner and spoke with XXXX. She informed me that if I were to set up an automatic payment arrangement, I would avoid the account being reported to the credit bureaus. I set up an arrangement that day-confirmation number : XXXX. They collected money via my checking account on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; with that last payment being XX/XX/XXXX. 

On XX/XX/XXXX I received a credit monitoring alert that Caine & Weiner had reported my account to the credit bureaus. This had a very negative impact on my score and was the very effect I was trying to and told would be avoided with the automatic payments. 

On XX/XX/XXXX I called Caine & Weiner and spoke with XXXX. He informed me that XXXX did not place the hold on my account that would prevent it from reporting negatively. He stated that it was an error on Caine & Weiner 's behalf and that he would speak with a supervisor to delete the file from my credit report. 

As of XX/XX/XXXX it is still being reported as negative. I have not received any communication from Caine & Weiner regarding this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already submitted a complaint with both XXXX and XXXX  stating that my XXXX XXXX XXXX XXXX Account # XXXX which was an Auto Loan that I had paid off in full and closed was reporting incorrectly. EXPERIAN states that I was 30 days late on XXXX or XX/XX/2019 and XXXX shows I was 30 days late on XXXX or XX/XX/2019 and XXXX is reporting CORRECTLY & shows NO late payments. So both EXPERIAN & XXXX are stating false information twice, XXXXne that it was 30 days late, and two they are both showing a different month or time in which they are reporting it being late. They have also now violated my rights under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( A ) Reporting information with actual knowledge of errors 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 by not doing a fair and accurate investigation to show accurate reporting and have this false information removed.
Product: Debt collection

PORTFOLIO RECOV ASSOC # XXXX ; XXXX ; XXXX I'm unware of these accounts and did not have the opportunity to dispute them. Please provide Validation of Debt, Assigment of Debt, and Method of Verification.

Please provide the " certfied mail receipt '' showing I have recieved the notification, per the law. 

Please provide all request listed or you will be in violation my rights.
Product: Debt collection

Continued calls daily to my phone number all hours of the day and night, weekends as well. I do not know the person trying to be reached. I have left messages for AIC to stop calling me, but they continue to do so. PLEASE do something to get them to stop!! Its weird they do n't get the messages or idea that the person does n't live here!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to unfreeze my credit report from equifax on multiple occasions, both through their automated system and through their customer service representatives. Today ( XX/XX/2021 ) was my final attempt at getting my credit report unfrozen. First I tried their automated system which after verifying my name, address, social security number, phone number, and zip code in addition to 9 personal identifying questions, they mentioned that I need to fax them my driver 's license number and social security number. I thought this was odd since I had spent 10 minutes going through identity verification so I contacted a representative over the phone. She did the same process, verified all my information and yet still mentioned they can not verify that I am who I say I am and that I need to fax pictures of my personal identification. I'm not going to show pictures of my social security number and license for the world to see. This is ridiculous. Just unfreeze my credit report. You already have all the information you need to verify me.