23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

HI CCS Credit COLLECTIONS & XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Product: Credit reporting or other personal consumer reports

THIS IS NOT A DUPLICATE On XX/XX/year>, I received a letter from XXXX stating that they had completed an investigation into the collection account with XXXX XXXX XXXX related to XXXX XXXX XXXX XXXX, and that the investigation verified the debt. However, it is clear that XXXX did not complete a thorough investigation for several reasons : Inaccurate Spelling of My Name : XXXX does not have the correct spelling of my name, which I have provided them through my previous communications and complaint submitted to the CFPB on XX/XX/year>. The continued use of an incorrect spelling demonstrates that they did not accurately or thoroughly review the information I provided. 

Failure to Provide Requested Documentation : I requested specific information from the debt furnisher, including the contract assignment, which has not been provided to me within the 30-day period as required by law. There is no way that XXXX could have verified the inaccuracies reported by the debt furnisher without this documentation. 

Legal Violations : Fair Credit Reporting Act ( FCRA ) Violations : Section 611 ( 15 U.S.C. 1681i ) - Procedure in Case of Disputed Accuracy : XXXX failure to conduct a thorough investigation and their verification of the debt without receiving the necessary documentation from the debt furnisher constitutes a violation of the FCRA. This section mandates that if a consumer disputes the accuracy of any information, the credit reporting agency must conduct a reasonable investigation and delete or correct any inaccurate, incomplete, or unverifiable information within 30 days. 
Section 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) - Requirement for Reinvestigation : Since the proper documentation was not provided to me within the 30-day period, XXXX can not legally claim that the debt was verified. Therefore, they are obligated under the FCRA to delete this account from my credit report.

Section 605 ( a ) ( 15 U.S.C. 1681c ) - Requirements Relating to Information Contained in Consumer Reports : XXXX is required to report only accurate information. The continued presence of this collection account, despite its inaccuracy and the failure to receive the requested documentation, is a violation of this provision. 
Falsification of Investigation Results : The fact that XXXX claims to have verified the debt without receiving the necessary documents suggests that they have falsified the investigation results. This is a serious breach of their legal obligations under the FCRA and further supports the need for immediate deletion of the account.
Product: Money transfer, virtual currency, or money service

Zelle and the way they handle disputes in light of the CFPD lawsuit was not acceptable in my opinion.i have used zelle many times and noticed many discrepancies with which Zelle failed to investigate adequately. I was told that recovering lost funds and tracking these transactions was not possible. CFPDs findings have shown that Zelle had neglected to protect its customers and allowed repeated offenders to exploit the system and allow individuals using Zelle to be vulnerable to being scammed. The lack of accountability has raised concerns for the safety of consumers who choose to use Zelle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a debt of XXXX with XXXX XXXX being collected by XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone XXXX I paid off the balance in full on XX/XX/XXXX With a guarantee it was settled. 
Recently I got an alert that its on my account Balance Date XX/XX/XXXX Balance {$230.00} I called the company and they are rude and told me they removed it and if I want it expedited off my report I have to take it up with the credit bureau and hung up. They refused to give an explanation on why it was on there
Product: Credit reporting or other personal consumer reports

the company did a unauthorized pull on my account tried to have Experian remove by telling them an recently on XX/XX/year>2025 calling saying i did not give permission to whom I listed in the attached document
Product: Credit reporting or other personal consumer reports

Requesting Signed Contracts an all other documents that was supposedly signed by me from collections agency including the HIPI ACT document that's submitting false information on my credit file.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. ACCOUNTS : XXXX XXXX  Number : XXXX
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details below are unrelated to me, and I request their immediate removal. 

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

Please delete the fraud accounts from my credit profile. I believe after me filing a report you already investigated them. Could you please send me the results of investigation? I have never had these accounts and I do not know them. I became identity theft victim and I feel very uncomfortable to have this misleading info in my credit report. Actually I was planning to take a mortgage but just because of this fraud I can not proceed with my mortgage and my wife will be very angry. Delete them as soon as possible
Product: Credit reporting or other personal consumer reports

Identity Theft Victim : 75-60. Title. This Article shall be known and may be cited as the Identity Theft Protection Act. ( 2005-414, s. 1. ) Violations : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) Under the Fair Credit Reporting Act ( FCRA ), I am asserting my right to an accurate and fair representation of my creditworthiness. I expect Experian to conduct a thorough investigation into these discrepancies and to remove the fraudulent items without delay. These accounts were opened in my name without my knowledge and continue to damage my personal character and financial ability. The inaccurate accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to the FCRA, credit reporting agencies are obligated to block fraudulent information within four business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility. I want to make it clear that I have never given permission for Experian or any associated entities to report or share any personal information about me. Under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6801-6802, I have not signed any consent form allowing my information to be disclosed to non-affiliated third parties, either electronically or in writing. The GLBA requires that financial institutions protect the privacy of consumers personal information and only disclose it under specific circumstances known as permissible purposes. Since there has been no consent or legitimate purpose established for the sharing of my information, any reports generated or shared without my authorization constitute a violation of this act. 
Key FCRA Provisions Violated : Failure to Conduct a Reasonable Investigation ( 611 of the FCRA ) : Experian is required to investigate disputes about inaccurate or incomplete information on a credit report. The investigation must be reasonable and completed within 30 days. Failure to meet this standard is a violation. Violation of the Duty to Correct or Delete Inaccurate Information ( 611 ( a ) ( 5 ) ) : If an investigation reveals inaccuracies, Experian must correct or delete the disputed item promptly. Failure to do so constitutes noncompliance. Failure to Notify Data Furnishers ( 611 ( a ) ( 2 ) ) : When a consumer disputes an item, the credit bureau must notify the furnisher of the information ( e.g., a lender ) within five business days. Willful or Negligent Noncompliance ( 616 and 617 ) : Experian can be held accountable for damages caused by willful or negligent violations.
Product: Credit card or prepaid card

IRS uses this company for EIP. I didn't get my EIP. IRS form shows a adjustment due to them sending the EIP through this garbage company in a visa card. 
Tried to call XXXX and this phone number WILL NOT allow me to get to a human and just hangs up. Entered my zip and social on the lost card section and it just hangs up on my. No other way to contact this company. 

Called the company through a different line and got XXXX ID : XXXX and she was totally useless for help. Refused to get me to a supervisor and refused to help. Only gave me the same phone number I couldn't use. 

Is this how we take care of our veterans. I served my country and now I'm getting shafted by the IRS and this joke Money Market. Next step if the IRS doesn't start answering their phones or this company doesn't resolve this will be 1 ) the news, 2 ) XXXX, 3 ) attorney. You decide if you want to make this easier or not. 

Many of us work our XXXX off to pay taxes and this is how we are treated. 

I'm sure this company will send their blanket useless response they have already in template form. Only solution I want is a phone number to a direct human that can answer my questions so I can get my card the IRS OWES ME!
Product: Credit reporting or other personal consumer reports

I have recently reviewed my consumer report and identified unauthorized inquiries that persist despite my previous communication with XXXX and TransUnion, requesting a reinvestigation. Regrettably, the issue remains unresolved to this day. 

The unauthorized inquiries are as follows : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The unauthorized inquiries are as follows : 1. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and i had noticed fraudulent accounts of my report. these accounts are hurting my ability to obtain credit.
Product: Debt collection

I am writing in reference to the collection activities currently being pursued by your company regarding the allege debt associated with account number XXXX with an amount of {$1700.00}. I dispute the validity of this debt and request that you immediately cease and desist from any further collection activities until you have provided me with the following documents XXXX. Forward Flow Agreement : A copy of the original Forward Flow agreement that demonstrates the transfer of the debt from the original creditor to Midland Credit Management ( not the bill of sales ). XXXXChange of Assignment : Documentation that clearly shows the chain of assignment for this debt, including any documents that details the assignment of the debt to Midland Credit Mangement . Please be advise that, under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt, and you are required to cease all collection activities until this verification is provided. I request that you send me the required documentation within 15 days of receiving this letter. I request that you immediately cease all collection activities related to this matter and remove any negative reporting to/from the 3 credit bureaus. failure to comply with my request will result in me considering further actions to protect my legal rights This request is made pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Debt Collection Practices Act. Please confirm receipt of this letter and provide me with the requested documentation at the earliest.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX TX XXXX appears on my credit report. I have never lived at this address. This a fraudulent address that needs to be removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 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 Balance : {$1800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$15000.00} XXXX  XXXX Balance : {$1800.00} XXXXXXXX XXXX  XXXX Balance : {$4500.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX XXXX : {$1000.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$71.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate removal of accounts reported by XXXX from my credit report. This account is not mine, and I have never had any relationship, contract, or permissible agreement with XXXX. Despite my repeated efforts to address this issue, your handling of this dispute has been grossly inadequate and in violation of the Fair Credit Reporting Act ( FCRA ). 

Details of the Complaint : Unverified Account : I filed a dispute regarding the XXXX account and provided an FTC report as evidence. However, you claimed the account was " verified '' but failed to provide any substantiating documentation or proof as required under FCRA 611 ( a ) ( 1 ). 

Lack of Permissible Purpose : XXXX does not have my authorization to access or report information about me. Reporting this account without my consent violates FCRA 604 ( a ), which governs permissible purposes. 

Failure to Investigate : Your dispute resolution process has not been fair or accurate, as you failed to investigate or ensure the validity of this account thoroughly. This negligence continues to harm me financially and reputationally. 

Harm Caused : Your inaction has caused severe harm to my financial standing, defamation of character, and emotional distress. The inaccurate information on my report has negatively impacted my XXXX XXXX and my ability to secure financial opportunities. 

Legal Obligation Under FCRA : Under FCRA 611 ( a ) ( 6 ) ( B ), I have the right to request and receive proof of verification of disputed accounts. If such proof can not be provided, the information must be deleted. To date, you have failed to meet this obligation. 

I also request that you provide : Documentation proving the alleged verification of this account. A written confirmation of the account 's deletion if verification can not be substantiated. If this matter is not resolved promptly, I will escalate my complaint and consider legal action to enforce my rights under the FCRA. 

Supporting Documents : FTC Report ( attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXXof 2019, I have sent several certified dispute letters to the Transunion consumer reporting agency in regard to several ; accounts reporting on my credit file that was opened due to identity theft. Transunion has failed to provide 100 % accurate verification as per the Fair Credit Reporting Act. In addition, Transunion has failed to place a block as per the FCRA Section 605b in regard to the fraudulent items that are in question. On XX/XX/XXXX at   XXXX XXXX tracking ( XXXX ) was one of several letters received from Transunion on my behalf. It has been 6 months and Transunion still has yet to provide any supporting correspondence or documentation in regard to any on the dispute letters they received on my behalf.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX To : TransUnion via Consumer Financial Protection Bureau ( CFPB ) Portal Subject : Formal Dispute Request for Removal of Inaccurate Credit Reporting by TransUnion Furnisher : XXXX XXXX  Account Number : XXXX Dear TransUnion, I am filing this dispute through the Consumer Financial Protection Bureau ( CFPB ) to address inaccuracies in the reporting of my XXXX XXXX  account. Upon reviewing my credit report, I identified errors in how this account is being reported, which violate the Fair Credit Reporting Act ( FCRA ).

Issues Identified 1. Late Payments Reported After Charge-Off ( FCRA Section 623 ( a ) ( 5 ) ) : My XXXX XXXX  account is reported as charged off ; however, TransUnion continues to report late payments for XXXX and XXXX. This is inaccurate because once an account is charged off, additional monthly delinquencies should not be reported. This practice creates a misleading portrayal of my creditworthiness. 
2. Inaccurate Reporting of Credit Utilization ( FCRA Section 611 ( a ) ) : The account is listed as Closed but is still being reported with a utilization rate of 123 % of my credit limit. Reporting a balance as a percentage of the credit limit for a closed account is inconsistent and misleading, as no further revolving utilization should apply.

Actions Requested In accordance with the Fair Credit Reporting Act, I am requesting the following actions : 1. Investigate and verify the accuracy of all information reported by XXXX XXXX  on this account.

2. Remove late payments that were inaccurately added after the charge-off date.

3. Correct or remove the account entirely if it can not be verified as accurate, complete, and compliant with the FCRA. 

If XXXX XXXX can not provide verifiable information supporting these reports, TransUnion is required under FCRA Section 611 ( a ) ( 5 ) to delete the inaccurate information.

Supporting Documentation I have attached the following to support my dispute : A copy of my credit report showing the errors in reporting.

Screenshots of the payment history that reflect the issues identified.

Desired Outcome I request the removal of the inaccurate information from my credit report and written confirmation of the results of your investigation. If this matter is not resolved promptly, I will pursue further action through the CFPB.

Thank you for your immediate attention to this matter. I look forward to your response within 30 days, as required by the FCRA. If you require further information, I can be reached at [ Insert phone number ] or [ Insert email address ].

Sincerely, XXXX XXXX