23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Resurgent Capital Services Tel : XXXX ; Fax : XXXX sent me a notice that I owe Original Creditor XXXX XXXX XXXX {$660.00}. The current owner is now LVNV Funding LLC with Account XXXX XXXX. I have never done business with XXXX XXXX or LVNV Funding LLC . I wrote to them and told them the debt was not mine and asked for details or proof. They wrote back saying it was up to me to provide them with "... information detailing the nature of the inaccuracy along with any supporting documents to the following address ; Resurgent Capital Services XXXX. Attention : Correspondence Department, XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX. I called them and told them verbally ( XXXX time ) the debt was not mine and told them I can not give them any details because I do n't have any details or knowledge about this debt. Subsequently, they sent me written correspondence that my dispute of this account " appears to be duplicative '' and a notice that reads, " Please be advised that we will not continue to respond to duplicative requests for additional information. Should you desire to pay on this account, please contact us... '' The debt is not mine and I thought debt collection companies must provide proof of debt not just say they have verified it and not give you any information or detail? I wrote to them again asking for details and proof so I could present to my attorney to deal with them, but they say it is not up to them to provide details. They say it is up to me!? Please help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Credit Report Entry for Account Number XXXX To Whom It May Concern : I am writing to formally dispute the accuracy of an entry on my credit report. The account in question is listed under the name XXXX XXXX XXXX XXXX with account number XXXX. After reviewing my credit report, I believe the information reported for this account is inaccurate and requires correction. 
The specific reasons for my dispute are as follows : Balance Discrepancy : The reported balance of {$140000.00} appears to be incorrect based on my records. 
Payment History Issues : There are discrepancies in the reported payment history, and it does not align with my actual payment records. 
I am requesting a thorough investigation of this account. Please provide documentation verifying the validity of this account and the accuracy of the reported information. If you are unable to verify the account or correct the inaccuracies, I request that it be removed from my credit report immediately. 
Please conduct your investigation in accordance with the Fair Credit Reporting Act ( FCRA ) and notify me of the results within 30 days. I expect that you will correct the inaccuracies or remove the account promptly. Failure to respond will make this contract binding by tacit acquiescence. 
If you require additional information to complete your investigation, please contact me at the phone number or email address provided above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting or other personal consumer reports

I have called and emailed this company multiple times about the debt they're claiming is mine. I have requested the original agreement and signed contract from this company to verify the debt under 15 USC 1692G. 
if the debt can not be validated I am at no obligation to pay under the FCRA 15 USC 1681
Product: Credit card or prepaid card

I have a Coinbase XXXX debit card that was used fraudulently on XX/XX/XXXX. The fraudulent transactions totaled {$1600.00} and drained my account. I reported the card # as stolen and contacted their support phone number the same day. ( I still had the card in my possession, so I am unsure as to how the fraud was committed ). Coinbase has not been able to reverse those fraudulent charges or issue me a provisional credit as per the member agreement and federal law. 

The fraudulent transactions are listed here : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX IXXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX SXXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX & XXXX XX/XX/XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against EXPERIAN regarding the inclusion of inaccurate and fraudulent accounts on my credit report, which I believe constitute clear violations of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 

My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX, TX XXXX. My date of birth is XX/XX/year>, and my Social Security Number is XXXX. Upon reviewing my EXPERIAN credit report, I discovered several accounts that are not only inaccurate but also fraudulent in nature. These accounts were included in my credit file without my knowledge or consent, which directly violates the FCRAs requirement that credit reporting agencies ensure the accuracy and integrity of the information they report. Specifically, under Section 1681e ( b ) of the FCRA, EXPERIAN has failed to follow reasonable procedures to ensure that the information it reports is accurate.

Furthermore, under Section 1681c-2 of the FCRA, which mandates the removal of outdated or inaccurate accounts, these fraudulent entries should have been investigated and removed immediately. In addition, the inclusion of these fraudulent accounts also appears to be a violation of FACTA regulations, which safeguard consumers by requiring creditors and credit reporting agencies to adopt accurate and effective identity theft protection procedures. I did not open any of these accounts, nor was I notified about them, indicating a severe lapse in compliance with FACTAs requirements for consumer notification and security. 

I have already taken steps to address these issues by contacting EXPERIAN directly, submitting a formal dispute, and providing supporting documentation, including my drivers license, Social Security card, proof of address, and FTC report number XXXX. Despite these efforts, EXPERIAN has failed to rectify the inaccuracies or remove the fraudulent accounts from my credit report, which is a clear violation of its obligations under both the FCRA and FACTA. This failure has had a significant negative impact on my creditworthiness and financial stability. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that EXPERIAN promptly removes the fraudulent and inaccurate accounts from my credit report. Furthermore, I request that EXPERIAN provide written confirmation once these corrections have been made. I also ask the CFPB to thoroughly investigate EXPERIAN 's handling of my dispute and ensure its full compliance with FCRA and FACTA regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a second mortgage with Bank of America that was forgiven under a settlement and I had read that it should show on my report as paid and closed I received a letter dated XX/XX/15 this was going to happen. When I tried to refinance with my mortgage company they said it showed on my report as a short sale which created a big issue. Also when I get my free reports I do n't even see it on there but XXXX XXXX saw it. I need to get this fixed so it says paid and closed and not as a short sale or I will continue to have this issue. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted separate, multiple requests via letter to TransUnion Credit Bureau as well as each Creditor, requesting them to investigate several unauthorized hard credit inquiries that they have listed on my credit profile. 

I requested that they either provide me with physical documentation validating these inquiries, or, that they remove them immediately as they are damaging to my credit profile. 

The inquiries that I requested be investigated were as follows : -Financial inst. XXXX XXXX. ( XX/XX/XXXX ) -XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX ( XX/XX/XXXX ) I can not stress enough, not one of these hard credit inquiries were authorized by me. At no time did I give permission to any of the above institutions permission to access my credit file. 

As noted above, on XX/XX/XXXX I requested TransUnion to investigate. On XX/XX/XXXX, I received an automated response via letter not informing me of any investigation process, but to inform me of how inquiries may have been added to my credit file. I did not ask them how inquiries may end up on my file, I asked them to investigate my unauthorized hard inquiries. 

TransUnion did not investigate anything, they failed to move forward any due process in this matter. 

One Creditor also wrote me back in the mean time stating that they ( they creditor XXXX XXXX ) won't even investigate the inquiry and asked me to contact the Bureaus. So if XXXX XXXX wont investigate, obviously they can not verify the inquiry. With that being said, TransUnion should remove it. 

TransUnion is not doing what they are supposed to do. I am attaching the automated response they sent to me via US Mail, I am also attaching a letter that XXXX XXXX wrote to me stating they will not investigate anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00}, XXXX XXXX XXXX Balance Owed : {$70.00}, XXXX XXXX Balance Owed : {$680.00}, XXXX XXXX XXXX XXXX Owed : {$1600.00}, XXXX XXXX Balance Owed : {$220.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( month and year ) I m now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your prompt action.
Product: Checking or savings account

On XX/XX/2022 an account was opened in the Barclay 's Bank. The balance amount was {$530.00}. The Business type was XXXX. The street address of the bank is XXXX XXXX XXXX XXXX, XXXX, Delaware. Zip code : XXXX. I do not recall opening an account.
Product: Debt collection

This account is fraudulent activity I did not authorize anybody to sign me up for this account with this company if this doesnt get resolved ASAP I will use legal actions according to the federal law the debt that this company is trying to Collect for me was sold and not being authorized to do so I am obligated to use legal actions I want this account to be removed off my credit report as soon as possible if this doesnt get resolved legal actions will be pursued it
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit file got ran several times without my consent! On XXXX XXXX XXXX this happened without my acknowledgment. Would like something done tonight! My phone number is XXXX! I didnt get approved for car either!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to dispute the accuracy of my credit report as reported by the credit bureaus. 

Furthermore, my current address is XXXX XXXX XXXX XXXX XXXX, VA XXXX, but the credit bureaus have reported multiple incorrect addresses. These addresses include XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX 

These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( a ) ( 1 ) which requires that consumer reporting agencies and furnishers of information to credit bureaus must ensure that the information they report is accurate and complete. Additionally, Section 623 ( a ) ( 2 ) requires that consumer reporting agencies must conduct a reasonable reinvestigation of disputed information upon request by the consumer, and must modify or delete inaccurate information. Furthermore, Section 623 ( b ) requires that consumer reporting agencies must block information that is inaccurate or incomplete from being included in the consumer 's credit report.

Moreover, the inaccuracies in my credit report have had a significant impact on my life. For example, I was recently denied a loan due to the incorrect information in my credit report, which has prevented me from achieving my financial goals. Furthermore, the multiple incorrect addresses have caused confusion and delays in my daily life, such as with receiving mail and packages, and have caused unnecessary stress and frustration.

Therefore, I am requesting that the creditor remove these unverified accounts from my credit report and take all necessary steps to correct the inaccurate information in my credit report. I am also asking for the enforcement of the legal requirements of the FCRA and the Fair and Accurate Credit Transactions Act ( FACTA ), specifically Section 114 which requires that creditors and lenders must truncate credit card and Social Security numbers on any receipts or documents they provide to consumers, in order to prevent identity theft, and Section 315 which requires that creditors and lenders must take reasonable steps to protect their customers ' personal identifying information ( PII ) from identity theft.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

This collection agency continued to call my CELL PHONE from an automated dialer after I asked the to remove my phone number over three times.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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: Credit reporting or other personal consumer reports

You are in violation of my right to privacy, I never gave permission for this information to be reported on my credit report and you are obviously breaching it which is really insulting and a defamation of my character. This is hurting my credit score and impacting my life negatively as my new credit applications are being denied due to your negligence.
Product: Debt collection

I was sent money to my cash app account which was my old account from my daughter and i was not able to retrieve that cash app account so i call cash app to help me retrieve the account and get access to the money, the person from cash app was helping me and needed information from me to get access and verify my identity. He also stated he needed me to add this card to my account so the money could be transferred to my new cash app account. Which i did and we were disconnected and he called me back on a different number then the number i used to contact cash app, his number and name came across my ID, it was a chase account which he indicated that the money will go to this account then to your account and continued to reassure me that it would. He stated he would call me back which he did not and when I tried calling the number it was disconnected and the money on my cash app indicated that it went to the chase account which is not my account. I have reached out to cash app and they are doing an investigation. how do i get my money back?
Product: Vehicle loan or lease

i 've been paying for my vehicle ( XXXX XXXX XXXX ) since XXXX. I make my payments regularly each month but my balance was the same ( never moving ). i have records to show for it. the lender ( Santander Consumer ) fixed part of their mistake but now are trying to say that I owe the {$1000.00} from an internal audit they conducted almost two years ago. When i called they said it was from a missed payment almost two years ago and they are just noticing it. according to them I still owe {$9000.00} on a five year loan.
Product: Vehicle loan or lease

Company reposed vehicle would not allow any financial loan repayment plan. Did not disclose where the vehicle was taken at time of repossessed never allowed to regain belongings and was only able to locate vehicle when notified it was be up up for auction in Connecticut residential registration address is Vermont creditor has misreported this collection amount as a charge of for full amount of total loan then opened another 3 party debt collection agency to report same debt in the collection amount for the debt amount owed which is never confirmed or verified via noticed of vechicle sold at auction and amount received for payment of vehicle when sold at auction
Product: Credit reporting or other personal consumer reports

Despite providing comprehensive evidence and adhering to the prescribed procedures, it is deeply concerning that the problem persists without resolution. The presence of these fraudulent items not only tarnishes my reputation but also poses a serious threat to my financial stability and credibility. Despite my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution. It is unacceptable that despite multiple attempts, the fraudulent items remain unresolved, casting doubt on the reliability and accuracy of your record-keeping processes. I urge you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX ; XXXX XXXX  ; XXXX XXXX ; XXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX Balance : {$5300.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX  XX/XX/year> ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XX/XX/year> ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX
Product: Debt collection

I am sending this asking for your help to file a formal complaint against ZIONS  DEBT HOLDINGS regarding an account I have with them XXXX * * * *. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : ZIONSDEBTHOL  ( Original Creditor : XXXX XXXX XXXX ) XXXX * * * * Balance : {$580.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with ZIONS DEBT HOLDINGS but to no avail.
Product: Checking or savings account

My direct deposit has been missing for 2 days now. There is a Holiday coming up which I'm sure they will not bother to work on to make this right. Waiting a week is not an option. Absolutely unacceptable to hard working Americans.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/21 I sent out a letter disputing the inaccuracies reporting on my credit report in hopes of having the issue resolved within the 30 days or 45. it has been well over 60 ays and there has not been any sustainable proof of the items being reported on my consumer report to be verifiable. this is causing me a great deal of interest each year. as to my understanding the bureaus are violating my consumer rights under the FCRA and TILA. please help me resolve this issue as soon as possible