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

i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative and outdated items and incorrect addresses from EXPERIAN EQUIFAX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT . According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2013 I consolidated my student loans through XXXX XXXX. Since this time I have been paying my consolidated loans on time and they are in good standing with Navient ( after it broke off with XXXX XXXX ). Several months ago I was looking at my credit report online and the score dropped over 100 points. I looked checked why and it turns out that XXXX XXXX, for some reason, did not pay off the entirety of my loans that were to have been consolidated. The total amount owed now is rather small, I think around {$50.00}, so I am not concerned about that. I am, however, concerned about the damage that was done to my credit report. I have in the past several months I have called the Department of Education as well as the company now owning the loans who both tell me to contact Navient. I have contacted Navient several times and every time the customer service representative is very understanding and helpful but nothing ever comes from the call. The loans are still not payed and they have not said that there is any reason why they should not be payed and my credit score is still down over 100 points.
Product: Credit reporting or other personal consumer reports

LVNV/RESURGENT IS ILLEGALLY ATTEMPTING TO COLLECT DEBT WITHOUT A LICENSE TO COLLECT IN THE STATE OF GEORGIA ON ACCOUNT : ( XXXX XXXX ACCOUNT XXXX )
Product: Credit reporting or other personal consumer reports

This is the second time I've written this complaint, so please excuse me. Last month XX/XX/year>, I disputed certain accounts with your organization. Despite my best efforts, I am still seeing questionable accounts on my credit report.
Product: Debt collection

When they call me I try to explain to them that I do n't work and how can I pay or send money when a person not working and no income.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were several account s from the same company " XXXX '' on my credit report that do not belong to me. I have already disputed them have already filed a complaint about their so called investigation. Results of the complaint was that the accounts were deleted from my credit report. All have been except one. When I called Equifax about it I was told that I would have to dispute it. Which I already have. I received a letter from Equifax claiming they verified the account. They can not verify an account as mine when it is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any inaccurate information that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not information relating to any transaction by the consumer. Here are the list of inaccurate information that needs to be remove : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX A XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Debt collection

I am requesting that you provide validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Specifically, I request that you provide the following information : 1. The full name and address of the original creditor. 2. A detailed statement showing the amount of the debt, including any interest, fees, and charges that have been added. 3. A copy of the original agreement or contract that legally obligates me to pay the debt, including any signed documentation. 4. Any judgments or court decisions related to this debt. 5. A verification of the date the debt was incurred. Until this debt is validated, I request that you cease all collection activities, as required by law. Please note that any further communication or attempt to collect this debt without validating it will be considered a violation of the FDCPA. If you are unable to provide the requested documentation, I request that you cease all collection efforts and remove any negative information related to this alleged debt from my credit report. I look forward to your prompt response, and I expect to receive the validation materials within 30 days, as outlined by the FDCPA
Product: Credit reporting or other personal consumer reports

I looked at my credit report in XX/XX/2024 and Saw that there were A few accounts that I did not recognize because they were not mine. These accounts violated my rights To privacy And I want them off my credit report immediately. The first account is XXXX XXXX for {$21000.00} and XXXX  for {$18000.00} four times they have put this accounts on my credit report an I want it off my report. Also all the inquirys I did not authorized anyone to do as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting the XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX as ( 120 ) days late. These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and all of the line items listed above need to be removed from my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these items however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX, 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
Product: Debt collection

On XX/XX/2021 Phoenix Financial Services, LLC signed for a certified piece of mail containing a debt verification letter to verify my debt in which they were given 30 days written only to respond. It is XX/XX/2021 and Ive not received anything from the collection company. This debt is invalid because they can not prove it.
Product: Money transfer, virtual currency, or money service

I used Paypal to send money to an international seller of an item I won via auction. The seller asked me to use the family and friends option to avoid them having to pay any fees. I did n't see an issue with this as this seller has celebrity clients. I would think with that kind of backing I would n't have to worry about being scammed. The auction I won was pricey so they did allow me to split the payment into 2 different transaction. I even paid a week earlier than I expected to be able to pay. Everything seems ok. They provided a tracking number but for a week it did n't work. They said first it would take 48 to post. Then they said they would check into it. Then they said it was siting in customs and would be resent. I even gave them my phone number to contact me if they had any issues. All of a sudden the messages stopped and I realized I was blocked. I have screenshots of our conversations. I tried to dispute the claim on Paypal but since I sent via family or friends its not disputable. I now know why they requested me to send payment that way. So then I tried to submit a dispute for the currency exchange and they declined it. I 'm very upset as I 've been a verified Paypal user for years with no claims ever filed against me. I just want a refund for the money I paid. Any help would be greatly appreciated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Debt collection

XXXX and their representative credit company Caine & Weiner put a fraudulent debit on my account, as they are claiming I have not returned the laptop which they issued me, which I already did and now they are saying its not a correct laptop and in essence put a charge of {$930.00} charge against me and also still have the laptop which i returned, so they have the lap top and wants more money, when I explained that to Caine & Weiner they said since they already reported this to XXXX major credit companies, they will not correct it and they are convinced, that XXXX claim is corrrect, even thought that they still have the laptop.
Product: Credit reporting or other personal consumer reports

i only authorized the car dealership to run my credit report and they allowed a lot of banks to pull my credit, and my score went down and now I'm having a hard time getting approvals because of too many inquiries. I did not authorize any bank, credit unions or other sources to my credit. i only gave permission to the car dealership itself. I requested all hard inquiries be removed and they responded with a few days with enquiries will remain on record for certain amount of years, that tells me they did not try to investigate the matter as it would take them a while to contact them all so I want them removed asap from all credit report agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never done business with XXXX Bank and there is an account from XXXX Bank on my credit reports in collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information is on my credit report been reported late and unpaid
Product: Debt collection

I am filing this complaint against SYNCB/CARE CREDIT. 

I joined XXXX last year 2015 and saw this company listed on my reports as a charged off account that was sold to another lender. I have never done business with this company and have reached out to them several times by mail in the year 2015 to current with no success, requesting them to validate this debt/account by providing me with prof of contract bearing my signature. 

None of my letters that I mailed to this company were ever returned to me, so this year I decided to mail my letters certified mail with a return receipt to see if someone signs for my letters and they did. 

All though they signed for my letters they never responded back to my dispute and failed to report to the credit bureaus that this account is being disputed by me within the 30 day time frame. 

I feel that I have made every goodwill attempt to reach out to SYNCB/CARE CREDIT to correct their records by removing this negative incorrect listing from my credit reports, so I feel that I have no other choice but to file a complaint with you in the hopes of getting this problem resolved. 

My good name has suffered do this and my last resort will be small claims court, however I 'm hoping that you all can assist me with getting this problem solved once and for all. 


Thanks in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE, XXXX Account Number : XXXX  Year : XXXX Make : XXXX Model : XXXX XXXX : XXXX To Whom it May Concern : Please be advised that the above-referenced, charged-off account was settled in full for less than the amount owed on XX/XX/XXXX. XXXX XXXX XXXX ( XXXX ) recognizes that the above-mentioned debt has been settled in full. 
We are in the process of updating our records to reflect the settlement of the above- referenced account. Please allow up to thirty ( 30 ) days for all updates to be reflected with the credit-reporting agencies. Also, please be aware that XXXX is merely a furnisher of credit histories maintained by any credit-reporting agency. XXXX XXXX XXXX can only make requests that changes be made to the credit history and can not guarantee such requests will be honored. 
If you have any questions, please contact XXXX at XXXX. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX All rights reserved. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax, XXXX and XXXX XXXX XXXX with no successful resolution. Equifax and XXXX  only reporting me late. There was definitely an error on their part. I was never 120-149 days late since XX/XX/XXXX to XX/XX/XXXX.
Product: Debt collection

Since XX/XX/2022, several dispute letters were sent to the agency for debt validation. The debt was sold to a collection agency. The agency failed to provide written notice of the debt. In XX/XX/2022, I sent in a dispute letter requesting validation, proof of license to collect in XXXX XX/XX/2022 I received notification that a judgment was issued against me for {$630.00}. I was never formally served with notice of a pending suit.
Product: Credit reporting or other personal consumer reports

Despite providing thorough documentation and adhering to the prescribed procedures, it is deeply concerning that the problem persists without resolution.

This recurring issue not only causes me significant inconvenience but also undermines my confidence in your organization 's ability to handle such matters competently and effectively. It is unacceptable that despite multiple attempts, the late open account remains unresolved, raising questions about the reliability and accuracy of your record-keeping processes.

I implore you to prioritize this matter with the utmost urgency and take immediate steps to correct the late open account entry on 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 correct this account in my credit file : XXXX/DOFED XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am lodging a complaint against TransUnion for inaccurately reporting unverifiable public record information, and other information on my consumer report and failing to conduct proper investigations and reinvestigations for years despite me launching several disputes with support. Please see attached for more details.
Product: Money transfer, virtual currency, or money service

Hello, I used the money transfer service of Transfast for the following transactions : Transaction Number Date Amount XXXX XX/XX/2019 {$380.00} XXXX XX/XX/2019 {$210.00} XXXX XX/XX/2019 {$260.00} I was notified that these transactions were successfully completed however, my relatives still have not received the money on their accounts. Sadly, when I call the customer service, they either hangup the phone, complaint that that I am frustrated or put me on indefinite hold. 
I suspect the Company Transfast may have started as a legitimate money transfer and now including some sort of scams in their business. 

I need help recovering my money the soonest possible. 

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

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account numbers : XXXX ...., XXXX .... 

XXXX .... 

has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX account number : XXXX .... 

Has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX account number : 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
Product: Student loan

I've been paying student loans with Navient since XXXX, they have been purposefully misleading and confusing on rate reduction programs. after 14 years of making payments i now owe more than the original loan amount. over the years they've promised keeping me on a fixed interest rate just to kick me out of the program. the total amount I've paid in interest from the variable loans equals more than what i originally borrowed. i have consinstely made payments for 14 years and now face hard times and they are not willing to lower payments, defer or forgive. in XXXX they sold my loans to XXXX who now hounds and threatens me. i need help and don't know where to turn.
Product: Debt collection

On XXXX I filed a CFPB complaint against this company for HIPAA violation in regards to sharing my medical information. I was informed in a response from this company as well as the original creditor XXXX XXXX XXXX on XXXX that all previous debts should be removed and deleted from my credit reports. Unfortunately this has not been the case as the debt from Ability Recovery Services is still showing on my XXXX  report in spite of all other collections from XXXX being removed. I would like for this collection to be removed and deleted from my credit file ASAP please.
Product: Credit reporting or other personal consumer reports

Request for Removal of Fraudulent Items Due to a Result of XXXX XXXX  Dear cfpb I have tried everything and I need your help I am writing to bring to your attention a serious matter concerning my credit report. I am a survivor of XXXX XXXX, during which my personal information was used without my knowledge or consent. As a result, my identity was compromised, and fraudulent accounts and activities were reported under my name. 

I am requesting that the following fraudulent items be removed from my credit report : I understand that under the Fair Credit Reporting Act ( FCRA ) and the Trafficking Victims Protection Act, I have the right to dispute and remove any items that resulted from the identity theft associated with my XXXX  situation. 

I appreciate your prompt attention to this matter and request that you expedite the investigation and removal of these items from my credit report. Please confirm in writing that these items have been removed and provide me with an updated copy of my credit report. 
i am preparing to take legal action Thank you for your understanding and assistance.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Transunion regarding their handling of my consumer/credit report, which I believe to be in violation of federal laws passed by Congress, including Title 15, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

Since XXXXXXXX XXXX XXXX, I have been corresponding with Transunion regarding identity theft and fraud on my consumer report, stemming from a data leak at XXXX that compromised my private information. Despite numerous communications, Transunion has failed to address my concerns and continues to report inaccurate information on my consumer report. 

I have repeatedly informed Transunion that it is unlawful for anyone to possess my private information ( such as name, address, SSN ) without my consent or authorization. Despite providing evidence, including correspondence from creditors acknowledging fraudulent accounts opened in my name, Transunion has refused to remove or block these fraudulent entries from my report.

Furthermore, Transunion has disregarded my requests to adhere to federal laws enacted by Congress, which mandate accurate and truthful reporting on consumer reports.

I have taken the necessary steps to protect myself, including filing a report of fraud and identity theft with the Federal Trade Commission ( FTC ) ( Report # XXXX ) and providing XXXX with current identification and supporting documents to verify my correct information. However, Transunion has failed to assist me in rectifying the situation and continues to ignore my demands for accurate reporting. 

I am seeking the assistance of the Consumer Financial Protection Bureau to protect my rights and ensure that Transunion complies with federal laws governing consumer reporting. I request that the CFPB investigate this matter thoroughly and take appropriate action to compel Transunion to remove fraudulent entries from my consumer report and report accurate, honest, and truthful information.

Relative laws 15 U.S. Code 1681b, 15 U.S. Code 1681c, 15 U.S. Code 1681c1, 15 U.S. Code 1681c2, 15 U.S. Code 1681e, 15 U.S. Code 1681i, 15 U.S. Code 1681n, 15 U.S. Code 1611, 15 U.S. Code 1681s, 15 U.S. Code 1692, 15 U.S. Code 1692e, 15 usc 1666.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, [ XXXX XXXX ] XXXX XXXX rights reserved w/o recourse