23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I Declare Under Penalty Of Perjury ( under the law of the United States, If Executed Outside Of The United States ) that the foregoing is true and correct to the best of my knowledge Further, I Certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements or omission of material facts constitutes a federal criminal violation punishable under 18 U.S. C 1001, Additionally these misstatements are punishable as perjury under 18 U.S.C 1621. This Collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money and was successful creating some accounts. All is being investigated by the FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

EOS CCA # XXXX, XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX I contacted All 3 credit bureaus about the inaccurate information on my credit report on XX/XX/2022 and I am yet to get a response Regarding this debt from XXXX XXXX, XXXX XXXX XXXX, and EOS CCA. The three credit bureaus are supposed to report the same information, but they are not reporting the correct information at all. I find it hard to be able to validate these accounts because at least one of them I never even heard of the company. There is a lot of inaccuracies on these accounts. They are stopping me from getting the best rates and has been a burden on my life. I also called all three companies and still nothing has been changed. I attached my original letters that I sent at the end of XXXX. Please validate these accounts. 

If after my re-investigation of paragraph ( 1 ) of any information disputed by a consumer, a item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall Please delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation.
Product: Credit reporting or other personal consumer reports

- Name : XXXX XXXX - Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX - Phone : ( XXXX ) XXXX - Email : XXXX XXXX XXXX : * - Company Name : XXXX XXXX - Address : XXXX XXXX XXXX, XXXX, OH XXXX *Complaint : * I am submitting this complaint to request the removal of late payments reported on my credit report for the XXXX XXXX account ( Account # : XXXX ). These late payments are inaccurate and are causing harm to my credit score.

I have previously disputed these late payments with the credit reporting agencies ( XXXX, XXXX, and TransUnion ) and provided documentation to support my claim. However, the late payments remain on my credit report. 

I request that the CFPB take immediate action to mandate the removal of these late payments from my credit report. I also request that the credit reporting agencies update my credit report to reflect the accurate payment history. 

*Relevant Laws : * - Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq.

- Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

- Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028A - Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq.

- Consumer Financial Protection Bureau ( CFPB ) Regulations, 12 CFR Part 1022
Product: Credit reporting or other personal consumer reports

I sent Experian credit bureau a letter to verify XXXX XXXX XXXX XXXX XXXX wasnt not mine U.S Code 1681b states the credit reporting Agency doesnt not have the right to report anything on my credit report without my written instruction. I never gave them written instruction to report anything on my credit report. 15 U.S code 1681c Identify theft prevention ; fraud alerts and XXXX XXXX XXXX. State without my written instruction this is consider as identity theft. On XXXX this account was deleted from my XXXX XXXXXXXX credit report but came back verified on my experian credit report how is that possible when the experian credit bureau properly investigated the information reporting on my credit report in accordance with the fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. I need proof on how did they verify this account or delete it immediately or I want a XXXX dollars for every violation as they violated my rights even more.15 U.S.C 1681 section 602 A. State I have the right to privacy
Product: Debt collection

Ive sent multiple disputes to both h & r accounts and the bureaus trying to get theses accounts off my report. Ive demanded if the account cant be proven to be mines to delete them immediately. Ive requested to be exact 4 methods of verification 2 to the bureaus which are saying that they sent my dispute to h & r accounts so they can send what Im asking. Which is by far the wrong explanation because I asked them for their method of verifying the debt from the lenders just from their investigation. The most important thing Ive asked in all of my disputes is to delete the account if verification isnt provided. Yes I received a letter with just numbers. Im guessing thats the bills I supposedly owe. I asked for a signed contract with my written signatures and have yet to see them and if I dont have a signed contract with them which is me agreeing to the terms, I dont owe anything and the accounts need to be deleted. My account has taken a hit since these fraudulent accounts have been on them and they shouldnt be.
Product: Debt collection

Cheadle Law Firm in XXXX, TN is suing me for XXXX XXXX XXXX as the original creditor. This law firm sued me well before the 30 days their letter said they would give me by law. They broke the law and the Fair Credit Reporting Act. 

In UNDER 30 days, I already had a summons to appear in court. 

I have contacted other agencies as well but these people are highly unethical in their dealings as a business and law firm.
Product: Credit card

I am a victim of identity theft. I have charges on my credit card I did not authorize. I notified the IRS as my taxes were affected, the FTC, my banks and credit bureaus. I disputed the charges and uploaded the letter stating that my info was hacked by of all places the health marketplace, but they denied it. I submitted an appeal and it was denied AGAIN!
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer reporting agency is violating the FCRA and FDCPA in the reporting of inaccurate, invalidated, paid or wrongful debt. Consumer notified consumer reporting agency previously of error and they responded stating debt is valid and/or accurate. Consumer reporting agency is in violation of my FCRA states I have a right to privacy. The reporting agency is violating my Privacy with sharing inaccurate and deceptive information without consumer consent. 15 USC 1681a Exclusions states a consumer report CAN NOT contain transaction or experiences between person reporting and consumer.15 USC 1681b Permissible Purposes, consumer reporting agency may furnish report only by written instructions of consumer. 15 USC 1681e consumer reporting agency isn't in compliance with accurate reporting. 15 USC 1666b may not treat a payment late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Company southwest recovery s fraudulently charged my account twice XX/XX/XXXX for {$1800.00} with the same amount when they already had an open account from XXXX at the amount {$1800.00}. They charged my account twice to get double the money and to create a false account to cause me to pay more to their company and lower my credit score to prevent me to purchase a home. They lied to XXXX to say they have a new reopened account but it was actually the same account. XXXX did not flag the fraudulent activity and it caused my score to drop drastically. XXXX should have seen this as fraud but still allowed this company to report and cause damage to my credit report causing a problem for me to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is refusing to delete a fraudulent lease debt from my credit report. They also continue not to throughly investigate disputes, if they had they would be aware that this fraudulent activity was removed/Expunged from public record as well as Experian databases in XX/XX/2018. Which was a direct result of me taking the Debtor to court and winning my case. I have sent uploaded official documentation from the housing court stating there are no adverse lease judgments against me nor has there ever rightfully been. Yet, Experian has made no attempt at removing this false and fraudulent information.
Product: Mortgage

Since XXXX of XXXX I have been trying to get a forebarance with United Wholesale Mortgage company and it has been terrible. Im the end I did not qualify because of missing documents when I in fact did submit them. In XXXX I finally just gave up. Then again XXXX of XXXX unable to make payment and contacted them right away and since then going back and forth submitting documents. Finally was approved for a modification trial which is ridiculous amount if {$1800.00} at 6.750 % for 3 months when my normal payment was XXXX at 2.625 % rate. They said no forbearance available. They never mentioned that ever and also expect me to mark this increase payment after trial period is ridiculous. They are a joke and do not help those who need it. I would rather come up with the late amounts I have than move forward with this trial period. This company is not for the people they just hope you cant make payments just to foreclose your home and be done with it.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and to request the deletion and blocking of the following fraudulent accounts and inquiries from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were opened without my consent and are the result of identity theft and fraudulent activity related to the data breach. 
XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

If a consumer notifies a debt collector that the consumer refuses to pay a debt, the collector must cease all communication. I told the company the phone was stolen and that I was not going to pay for it because I reported it stolen. They told me to take them to court. I told the company they were more than welcome to track the phone when it was last used and how it was stolen from me on vacation.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have noticed that inaccurate information continues to be reported by XXXX, XXXX, and Equifax, despite my previous disputes. The bureaus have verified the information as accurate, but I have attached proof that clearly demonstrates this is not the case. This repeated verification of inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ), specifically sections 611 and 623, which require credit bureaus and data furnishers to conduct a reasonable investigation when disputes are raised. 

I am attaching supporting documentation to prove that the information being reported is incorrect. As a result, I am requesting the immediate removal of this inaccurate information from my credit report, as continued reporting of false data is a breach of my rights under the FCRA. 

Please address this matter immediately to ensure compliance with federal law and update my credit report accordingly.
Product: Debt collection

I reported the company and the Provider ( XXXX XXXX XXXX    XXXX XXXX ) to the California Dept of Managed Care, and the company admitted the debt was not owed and sent me a letter of XXXX debt. But every year I keep getting phone calls or letters from credit agencies about this even my insurance company XXXX wrote them a letter that the debt was not owed any more. But they keep trying to collect. I pay all my health bills on time, but nonetheless keep getting harassed by this company. I even submitted a complaint that they are harassing an Elder, as I am XXXX year old Senior Citizen and on Social Security. But I do not owe any debts for medical bills or any other services.
Product: Checking or savings account

From XXXX XXXX XX/XX/2021, I was charged {$75.00} twice per month by XXXX for traffic ticket resolutions. The company never represented me or resolved either of my two warrants that resulted from their inaction. I reported this to chime and they opened an investigation that according to them resulted in no error. I followed up with a rebuttal and supplied all of my supporting documents that clearly showed that nothing was done by XXXX to clear my warrants and I was definitely scammed out of {$520.00}. I produced all invoices and receipts and documents of my warrants that remain open. Chime insisted no error was made and, not only closed the case, but also closed my account. Ive also done all that I could to resolve the issue with the merchant but they refuse to respond, answer the phone or reply to messages. Their website is still active and they are likely scamming other individuals as well.
Product: Credit reporting or other personal consumer reports

I am deeply concerned and frustrated to discover numerous fraudulent accounts tarnishing my credit report, seriously jeopardizing my creditworthiness. In my pursuit of securing a home for my family, these unwarranted entries persist despite multiple attempts to have them removed. Compounding the issue, my information was compromised in both XXXX and XXXX breaches, eroding my confidence in their ability to safeguard my consumer report. I believe this situation violates my federal rights under 15 U.S.C. 1681g ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ), and I am distressed by the emotional and mental toll it's taking. I have reported these issues to the local police department and the Federal Trade Commission, emphasizing the illegal disclosure of personal information to third parties. If these damaging entries are not promptly addressed, I am prepared to pursue legal action to rectify the inaccuracies in your database.
Product: Credit reporting 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 6O4A. section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666-B 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, credit repair services, or other personal consumer reports

I looked anatomy credit report and saw numerous problems with it. I disputed information that was incorrect and not mine and it came back as verified but was not validated. I never had an account with this creditor and I do not owe this debt. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 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. 

XXXX XXXX  Opened XX/XX/XXXX {$590.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$7200.00}
Product: Checking or savings account

I closed my COINBASE account XXXX/XXXX/2022. It was not disclosed to me that I would also be closing my COINBASE XXXX  account. I was also never prompted to withdraw the $ XXXX USD in my COINBASE XXXX account. The company closed my COINBASE XXXX account and pocketed this money. They are now feigning ignorance so that they can keep the money, despite multiple attempts to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled up my credit report and found a charge that isn't mine. I filed a dispute with Equifax. They found it to be real - even though it is not. They haven't provided any documentation for these charges. The company that is claiming the debt will also not respond. I would like to speak with a person. I would like proof that I signed up for this item. Neither of these companies seem to be willing to speak with consumers. 

XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting

Have spoke with XXXX on several occasions, this bill occurred after equipment was returned to XXXX
Product: Money transfer, virtual currency, or money service

Dear Customer Relations, As I found out researching this subject, this problem is happening to thousands of people yearly, and it seems there is no way to get your money back once the error has been made. 

Two weeks ago, my wife wanted to transfer to someone we know, {$1400.00}. She entered their name and phone number, and pressed send. Unfortunately, she was off by one digit at the end ( XXXX instead of XXXX ). 
This was done using the XXXX XXXXXXXX XXXX mobile app, and using their Zelle money transfer service. 
We immediately tried calling the wrong recipient, and sending them text messages, but there was only a recording, and no reply to the text messages. 

We then called XXXX XXXX XXXX  and they told us there was nothing they could do to return or refund the money, or reverse the transaction. We insisted they try something, so they said they could try filling for a refund. 
A week later we got a letter saying they investigated the issue, and there was nothing they could do since we sent the money and it wasnt a scam. We asked them to appeal, and they told us they would send an appeal, and this week we got back an identical letter to the first one. 

We realize that it is our mistake, and our responsibility, but its extremely easy to make an innocent mistake, and it seems that thousands of people have similar situations with no possibility of resolution. 
Perhaps some regulation or rule could be implemented that would make it either easier to request a refund or to at least request a return, or if they could implement a more robust verification method which should not be hard to do. With XXXX ( through XXXX Bank XXXX you at least had to match the exact name and exact phone number or email which would make it harder to make a mistake to match 2 types of record. On Zelle you only need a phone number, and it doesnt have to match any name or anything else. ( we put the recipients name, but it didnt matter since it doesnt have to match the other persons name ) My wife feels terrible, but I understand how she did that not to excuse her responsibility. She is XXXX, and they use totally different numbers system, and she regularly makes mistake even with me over little things like dates or dollar amounts. 

We are very tight financially now, and could really use getting that money back. But even if we cant, it would at least be a step in the right direction and would make us feel better, if perhaps some new regulation or requirement could be implemented for these instant transactions, especially in the case of Zelle. 

We appreciate your time and attention to this matter. 
Sincerely, XXXX and XXXX XXXX
Product: Debt collection

I am currently a customer of Arete Financial, XXXX XXXX, etc. I found out they were sued today when one of the companys I am trying to get resolution with through them called me directly. When I brought up the fact I had power of attorney with Arete they would not tell me any information until I verified info on the phone. I notified them I would call Arete. Emails get returned from Arete and phones are not answered. I know why now. XXXX XXXX XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning XX/XX/2017, I closed all my credit cards and loan accounts. I legally closed all of these accounts with the help of XXXX XXXX XXXX XXXX " XXXX '' ). XXXX guaranteed me all these accounts were closed. In addition, XXXX promised that they were consolidating all these accounts into one payment of {$690.00} through their sister company, Consolidation Plus. These are the following accounts closed in 2017 : 1. XXXX XXXX XXXX ; 2. XXXX XXXXXXXX ; 3. XXXX XXXX XXXX ; 4. XXXX XXXXXXXX XXXX XXXX ; 5. XXXX XXXX XXXX ; 6. XXXX XXXX ; 7. XXXX XXXXXXXX XXXX ; 8. XXXX XXXX XXXX ; 9. XXXX XXXX XXXX ; 10. XXXX XXXX ; 11. XXXX XXXX ; & 12. XXXX XXXX. 
Since that time, I have paid off all these accounts except for three XXXX XXXX XXXX, XXXX XXXX, & XXXX XXXX XXXX XXXX. However, I have noticed that the information being reported on my credit reports by Experian is incorrect. Experian shows that my accounts went into default : past 30 days, 60 days, 90 days, etc. These accounts were closed before they started going into default. I have been disputing this incorrect information with Experian for a few years now. Unfortunately, they continue to report incorrect information on my credit report. 
Experian claims to have investigated the disputes. By whom? An independendant investigation company or their own biased investigators. In the last four years, I have suffered mentally, financially as a result of these negative remarks on my credit report. Their negative remarks on my credit report continue to bar me from obtaining automobilbe loans, personal loans, & credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts and identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been writing Equifax for months in an effort to resolve inaccurate information they are reporting on my credit file. It always comes back as " accurate '' or " verified ''. They didn't investigate anything and when asked for the method of verification, they ignored me. My next move is to go to small claims court since Equifax will not follow the law as it pertains to FCRA. As a federally protected consumer, I know my rights and that I can sue them and win {$1000.00} per violation. I send all letters to them through certified mail with return a receipt so I know they received them and have well documented evidence that they have willfully ignored the law and in doing so have violated my rights as a consumer, which has caused me to be denied credit and pay higher interest on my existing loans. Equifax 's business model appears to profit at the expense of others by furnishing inaccurate or unverified information to banks who request consumer credit reports when deciding loan interest rates.