23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX my husband and I celebrated our honeymoon in XXXX ( XXXX and XXXX ) for Two days into our arrival in XXXX. We were robbed. Money as well as an electronic device ( iPad ) which consisted of personal information, were stolen. Along with many other articles. We traveled to XXXX from XXXX. By rental car.The agency I rented from, took my credit card information and passport information to keep on record. When we returned home XX/XX/XXXX with in a few weeks XXXX receipts for XXXX paid traffic violations were paid by automatic payment charged to my XXXX XXXX card from the rental car agency. I did not dispute the charges. Totaling in about {$700.00} American dollars. Today XX/XX/XXXX, I receive XXXX bills from a collection agency. Which is servicing for " XXXX XXXX XXXX XXXX XXXX. 
The addressed envlope was sent via regular mail. Delivered to my home it was in the correct name but not the correct address. XXXX separate bills with the same amount totaling to {$320.00}. The company Cedar Financial that sent these bills to me was promptly called by myself.I have never received anything in the past 2 years stated I owed XXXX separate amounts of {$320.00}. I spoke with XXXX separate people. XXXX in which was speaking as if they were a robot. Asking more then 3 times for payment information. Stating they accepted all major credit cards or check. I asked to speak to a supervisor.I was transferred to a gentleman. Who stated if I do not make payment today, my credit would be in jeopardy. As and wages I make will be garnished.In all of my years of being a credit holder I have always had impeccable credit.
Product: Credit reporting or other personal consumer reports

MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX REMOVE THE INCORRECT ADDRESS OFF MY XXXX XXXX XXXX XXXX EXPERIAN XXXX Please remove this illegal address of my credit report as I have never lived here. 

XXXX XXXX XXXX # XXXX XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

I want to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several accounts that are reporting late payments inaccurately. I have contacted the companies associated with these accounts, and they have confirmed that the late payments were errors and have agreed to update my account and remove the late payments. 

I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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 XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish an 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: Credit card or prepaid card

This happened with Barclays credit card two days ago and they haven't resolved the problem. I checked my checking account as I do every morning to avoid surprises. Unfortunately, I noticed a double charge of {$350.00} from Barclays on that account in regard to this credit card payment. I automatically called their customer service, spoke to the manager who insured me that many customers, especially customers from U.S have been calling in that regard, and they are working to fix the problem. Because I already paid my credit card bill and budget my account accordingly, this checking account went on overdraft mode, and I was forced to quickly replenish my account to avoid fees. The manager promised to do everything at her end to fix the problem before the end of the day. Unfortunately, I woke this morning and noticed that my checking account was credited and debited right away. I called again spent time explaining again, and they apologized and promised to fix it. I believe that they have a breach in their security system, which is really alarming. As of the time I am writing this they haven't fixed the problem.
Product: Credit card

Someone placed an order on my credit card with Macy 's. I found out and called the company and reported the charge. I called this company at least XXXX times without any customer service representative understanding what I was saying. the comprehension and understanding of representatives is unbelievable. calling Macy 's customer services you're calling overseas and it's extremely frustrating especially when you're trying to communicate a problem. Finally, I spoke to a manager who understood what I was saying and he refunded the charge from my credit card because I wasn't responsible for that charge. The credit company reported this as a late charge on my credit. How can I be liable for a charge that I didn't receive? How could you charge me for something I never received?
Product: Credit reporting or other personal consumer reports

I found an incorrect address on my profile at Equifax I tried to log on to their website and the page would not load I got an XXXX number to call during business hours I did that and the XXXX  would not forward my problem to a human representative it left me no other options than to contact you
Product: Debt collection

I received a debt letter from Credit Collection Services. I called them to inquire about the debt. They stated I owed XXXX XXXX. I immediately called XXXX XXXX times and they ran my name and SSN and stated that I had no debt with them period. I had auto insurance with them and switched my Auto insurance to XXXX. They sent me a refund in the mail for the over premium that I paid to them before switching to XXXX. 

I called CCS back and told them that I DID NOT OWE XXXX any money and I offered to call them on three way so the AGENT at XXXX could tell them that. They refused and stated they did not have time to do that. 

I sent CCS a certified letter stating that I did not owe a debt to XXXX or to their company and to cease contacting me for this debt. They responding by sending me a debt letter from XXXX. Why would XXXX send them a debt letter and not me the allegedly DEBTOR? Makes no sense. 

If I owed XXXX any money and XXXX did not send me a demand for payment or can not tell me that I owe them anything then that is XXXX XXXX decision. I have never done business with CCS who is a bottom feeder debt collector. I do not wish to do any business with CCS PERIOD.
Product: Debt collection

i recieve a phone call from XXXX tell me i have to pay XXXX from 2013 after 20 phone calls they send me a letter by mail stament that i dont own noting to XXXX  tree monts later a company associates lawyer send a collection to my credit report i send the letter from XXXX stament that i dont have any pending with XXXX  they return a letter asking for more evidente after they place my bad report to damage my credit before they investigate the matter. please i need help with this situacin because is hard to keep the credit clean and this people came and damage just like is a game. thank you.
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. 
XXXX XXXX XXXX XXXX XXXXXXXX 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. 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 record of conventions 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

I have made a settlement which was for less than half the balance owed on  XXXX   XXXX ,  2017  and it 's still on my credit report for a different collection agency.
Product: Money transfer, virtual currency, or money service

I am writing to formally raise concerns about Zelle 's approach to handling disputes, especially in light of the recent CFPB lawsuit that underscores significant issues with the platform. Despite being a frequent Zelle user and reporting transaction discrepancy, my financial institution and Zelle failed to conduct a thorough investigation into my claims. I was informed that recovering lost funds was not possible and that tracking these transactions was unfeasible. The CFPB 's findings suggest that Zelle has not only fallen short in protecting consumers but has also permitted repeat offenders to exploit the system, leaving users exposed to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor violated my rights under 15 USC 1681 section 6 0 2 states I have the right to privacy 15 USC 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as. late for any purpose. Same with mortgage late payments.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX apt XXXX XXXX XXXX XXXXXXXX XXXX XXXX SSN XXXX DOB XX/XX/XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear Experian, I am writing to formally dispute inaccurate information appearing on my Experian credit report. Specifically, there are unauthorized accounts listed on my report that were previously deleted from my XXXX credit report after they were determined to be inaccurate. The continued presence of these accounts on my Experian credit report is both erroneous and harmful to my credit standing. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ( a ) ), I am requesting that you reinvestigate these accounts and remove them from my report. Under the FCRA, you are required to conduct a reasonable reinvestigation of any disputed information within 30 days of receiving a consumers dispute. Additionally, you are obligated to provide me with the results of your investigation and to update or correct the information in my credit report as necessary. 

The accounts in question are as follows : - [ XXXX XXXX XXXX XXXXXXXX - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX IXXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX Enclosed, I have included supporting documentation to aid in your investigation, including : A copy of my XXXX credit report showing the removal of these accounts Correspondence from XXXX XXXX the deletion of these accounts A copy of my government-issued ID and proof of address for verification purposes Please be advised that failure to comply with your obligations under the FCRA XXXX result in further action, including the filing of a complaint with XXXX Consumer Financial Protection Bureau ( CFPB ) or other appropriate authorities. 
I request written confirmation that these accounts have been removed from my Experian credit report. Please also send me an updated copy of my credit report reflecting these corrections. I trust that you will handle this matter with the urgency and diligence it requires. 
Thank you for your prompt attention to this matter. If you need any additional information, you XXXX contact me by mail at the address listed above or by phone at [ XXXX ]. 

Sincerely, [ XXXX XXXX XXXX XXXX ] [ XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX TransUnion LLC XXXX. XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Date Opened XX/XX/2018 Credit Limit {$200.00} Balance {$500.00} I Did a Dispute with all 3 credit Reporting agencies.
Product: Credit reporting or other personal consumer reports

This is my first 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance - XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired XXXX XX/XX/XXXX XXXX XXXX  XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent this letters in XX/XX/2023, and despite my repeated attempts, this marks the 11th time I have reached out to them, yet they have taken no action. 

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and
Product: Debt collection

ERC is still attempting to collect a debt on behalf of XXXX and there still reporting on my credit that I still owe them {$1200.00} ERC stated I disputed the debit as a consumer which I did and they said it meets FCRA requirements however according to the FDCPA Laws they have to stop all collection activity and attempting to collect the debit since I filed CH XXXX BK ... .They still have continued to report on the credit report even though there going to receive {$0.00} from the BK ... 

Also Prior to filing BK ERC broke FDCPA Laws by calling me at XXXX XXXX on XX/XX/2018 from there phone number ( XXXX ) XXXX ... I reported this to ERC and they did not say anything .... ERC still engaged in illegal activity by calling me before XXXX XXXX which they knew it was a violation of the Law ...
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unauthorized Credit Inquiries Violating 15 U.S. Code 1681n and 15 U.S. Code 1681b Dear Consumer Financial Protection Bureau, I am submitting this complaint to report unauthorized or incorrect credit inquiries appearing on my XXXX credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b and 15 U.S. Code 1681n. 

Details of the Issue : Upon reviewing my XXXX credit report, I noticed several hard inquiries that I did not authorize. These inquiries include : [ List unauthorized inquiries, e.g., XXXX XXXX XXXX XXXX, XX/XX/year> ] According to 15 U.S. Code 1681b, a permissible purpose is required for any party to access my credit report. I have not applied for credit with these companies, nor have I provided explicit authorization for these inquiries. Additionally, under 15 U.S. Code 1681n, parties that willfully obtain or use my credit report without a permissible purpose are liable for damages.

Harm Caused : These unauthorized inquiries have negatively impacted my credit score and may affect my ability to obtain credit.

Supporting Documents : I am attaching a copy of my XXXX credit report highlighting the disputed inquiries for your review. 

Thank you for your time and attention to this matter. Please let me know if additional information is needed to assist with your investigation. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please check the information concerning the Data Breach below in attachments
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the failure to block adverse information on my credit report, as required under Section 605C of the Fair Credit Reporting Act ( FCRA ). As a victim of XXXX XXXX, I submitted a XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/2024, via certified mail, which included all required documentation to support my request. 

Despite the receipt of my certified mail submission, Equifax has failed to comply with the regulations by not blocking the adverse information from my credit profile within the mandated timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  credit report is showing a 24-month installment loan ( lease ) from TESLA for an account opened on XX/XX/XXXX that I never applied for nor authorized. The amount of the loan totals {$34000.00} and the amount past due is {$4800.00} as of XX/XX/XXXX. The last payment made on this loan was XX/XX/XXXX but the first delinquency occurred on XX/XX/XXXX and the account is more than 180 days past due. 

This account does not belong to me and needs to be removed from my credit report as soon as possible. I believe this loan is a result of identity theft and I want to file a formal complaint. 



Contact information for TESLA is as followed : TESLA XXXX XXXX XXXX XXXX. 
XXXX, UT XXXX
Product: Credit card

I received a letter from XXXX XXXX Bank of America that they could not approve my XXXX XXXX XXXX XXXX card right now ( thank goodness ) - I did not apply for this card.