23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for CITI BANK credit cards or have I used this card. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. This is not fair to me because in fact the information is inaccurate. I have been dealing with identity theft since XX/XX/XXXX. My name is very common and all these items on my credit report have affected my life negatively. I am unable to apply for Personal loans, Credit cards, Car loans, Phone services or even a Home loan. I called CITI BANK XXXX to provide them with a police report number XXXX that I filed with Officer XXXX. I have also had issues with the IRS because of this. Somebody else is using my SSN and/or there's a mistake when these companies are adding them to my report and there not checking for the correct SSN & DOB and just applying it to the first person they come across with my  exact name.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX Balance : {$790.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$260.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$470.00} XXXX ( Original XXXX : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$750.00XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$4900.00} DPT TREASURY XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the CFPB lawsuit. Despite using Zelle numerous times and reporting discrepancies Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This private entity known as transunion is knowingly reporting fraudulent accounts in my report they are breaking federal Law. They have a police report along with a affidavit stating the fraudulent activities. The address in which the accounts are posting from does not exist so I know they are n't investigated these fraudulent accounts they need to remove them at once or I will put them in commerce by billing them XXXX a day until they remove fraudulent accounts not to mention I am prepared to seek litigation in which I am entitled to
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2019 I filed bankruptcy with the USBK Court of Arizona. I withdrew the bankruptcy request on XX/XX/2019. I never completed the process and was never granted bankruptcy for this filing. I have contacted the Court of AZ and they have stated that they DO NOT report to the credit bureau. I submitted a dispute to EQUIFAX to have this item removed from my credit as it is reporting incorrectly on XX/XX/2019. I received a response saying that it was verified as correct. I resubmitted my dispute on XX/XX/2019 stating that they could not have verified when the USBK Court of AZ stated they do not verify with the credit bureau. I also submitted the same request to XXXX  and they removed the credit report when they verified. I sent all of these items to EQUIFAX and they can not provide me with the source they spoke with at USBK COurt of AZ to verify this account is valid.
Product: Credit reporting or other personal consumer reports

I am writing this letter because I believe there are still errors in my credit file. I request that you verify the information listed below to ensure it is neither untimely, inaccurate, unverifiable, nor incomplete. Please review these accounts : XXXX XXXX  XXXX XXXX Balance : {$570.00} XXXX XXXX XXXXXXXX Balance : {$18000.00}
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Checking or savings account

I called the usbank at XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX at home and asked the customer service Dept at usbank how could I make a Cash advance from my pay roll credit card called Wisely credit card of XXXX to my usbank checking account Online but she for this service you would have to go into the local usbank so I went to usbank on XXXX XXXX in XXXX XXXX Ohio XXXX grocery store and inside of XXXX XXXX store is a usbank. And the XXXX  Teller told me when I went up to the counter and had requested a Cash advance and XXXX money orders and withdrawal for XXXX and a cash adavance of XXXX my Wisely credit card on to my usbank checking account but the girl teller claims that the computer shut down and I would have to wait an hour before the computer shut back on and when they did come back on she gave me my money orders and she claimed that you Cash advance was completed and when I got home I checked my Bank account to see if the XXXX was in my usbank checking account but it was not there so I called Wisely credit card and asked the Lady where is my XXXX that usbank just did a Cash advance for and she said we sent that money to zaragara market place in XXXX Ohio and she said I bet you that XXXX is sitting up in XXXX XXXX place in XXXX Ohio so I contacted usbank to file a dispute but they refused to let me file a dispute for XXXX that I did not authorize to go to XXXX XXXX place in XXXX Ohio XXXX And after I found out that they did not want to credit me for all the money they had taken out of my usbank checking account because of the XXXX had made my account withdrawal or insufficient funds and they did not want to credit me back because it was not my mistake it was there and every since I started getting direct deposit check into usbank checking account they withdrawal XXXX XXXX times just before I get my check every week and I have some recurring payments that I did not authorize and since they found out i had contacted the office of comptroller of the currency in Texas they had the recurring accounts changed earased and just took my money. Every week I get charged {$36.00} XXXX times from the bank.
Product: Debt collection

XXXX supposedly sold my debt to January Technologies. I have been unable to contact the company for months. The number provided does not work and I do not get any emails, calls, notifications, or proof of debt from the company, but it is derogatory on my credit profile. I sent a letter certified mail requesting a signature, but of course no response. I attached a signature from the company, meaning they received the letter but ignored my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file, of the account listed below. In the event that you are not able to provide me with Verifiable Proof, Then I am requesting that the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to formally dispute inaccurate information reported by TransUnion regarding an account from XXXX XXXX XXXX XXXX Account # XXXX, Balance : {$160.00}, Status : Collection/Charge-Off ). Despite submitting multiple disputes with all three major credit reporting agencies, this account has repeatedly been verified as accurate without a proper investigation. However, this account is reported inconsistently across the XXXX credit reporting agencies, raising serious concerns about the legitimacy of their verification process. 

I have attempted several times to resolve this matter directly with XXXX and TransUnion, but they have failed to correct the inaccuracies. Each time I disputed the account, the responses from the credit reporting agencies failed to address the inconsistent reporting. The account details do not match across all three agencies, which directly contradicts their claim that the information has been properly verified. 

TransUnion reports the account as Charged Off - Bad Debt with a past due balance of {$160.00} as of XX/XX/year>. XXXX reports the account as Open with a {$0.00} balance, while XXXX reports it as Secured Fixed Rate with no past due balance. The discrepancies between the credit reporting agencies suggest that the account is being reported inaccurately, making it impossible to verify as correct. 

If this account was properly investigated, the information should be consistent across all agencies, which is not the case. The failure to conduct a proper reinvestigation and correct these errors violates the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy in reporting consumer data. Under 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information, and under 15 U.S.C. 1681c ( a ) ( 4 ), negative accounts can not be reported past seven years from the date of first delinquency ( XXXX ).
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions multiple times, Equifax consistently responded within XXXX XXXX stating the account and or information is accurate. They did not provide proof showing a thorough investigation and evidence proven the disputes to be mine. This practice violates Fair Credit Reporting Act ( FCRA ), 15 U.S.C XXXXi, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings ( File No. XXXX ) against them for similar violations. I request that the CFPB take actions to ensure Equifax complies with federal law and provide consumers with the necessary proof of investigations. 

These are the accounts that I requested an investigation and removal : - XXXX ( XXXX Late Payments - XXXX in XXXX, XXXX in XXXX, XXXX in XXXX, and XXXX in XXXX ) - XXXX ( XXXX Late Payments- all from XXXX ) - Multiple Addresses - XXXXXXXX XXXX  Loan ( Late Payments ) - XXXX XXXX for {$110.00} - Inquiries ( XXXX, XXXX, XXXX, XXXX )
Product: Prepaid card

I have 3 Pre-Paid Visa Cards that my employer sent as a recognition rewards. These cards were received ( I have the both the numbers and digital token number ) but when I tried to use it, the company Prepaid Digital Solutions saying the card is expired and refusing to issue a replacement card. 

This is over {$1000.00} of value on the card which has been already funded by my employer, which Prepaid Digital Solutions is just keeping. It is essentially theft. 

Here are the digital tokens : XXXX - {$500.00} ( full amount ) XXXX - {$500.00} ( full amount ) XXXX - {$250.00} ( need to check balance on this )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX XXXX {$550.00}
Product: Debt collection

I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Your company who i have no contractual agreement or any ties to for that matter, has listed inaccurate debt on my credit report, which is a direct HIPPA violation. Please delete this debt.
Product: Credit reporting or other personal consumer reports

PAYMENTS HAVE BEEN MADE ON TIME ON THIS ACCOUNT. THIS ACCOUNT SHOULD NOT BE SHOWING AS CLOSED OR Delinquent.
Product: Debt collection

On or about XX/XX/2019 I sent Midland Credit Management a certified letter requesting a validation of debt and as of todays date they haven't provided me any validation response. On or about XX/XX/2019 I sent Midland Credit Management a certified letter ( 2nd time ) requesting a validation of debt and as of todays date they haven't provided me any validation response. 

On or about XX/XX/2019 I received a letter from Midland Credit Management stating we are unable to locate an account but are still negatively reporting to XXXX, XXXX, & XXXX collection accounts. Midland Credit Management hasnt provided me any validation response after 2 months of original request.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting

Transunion keeps deleting and reinserting a charge off account from XXXX ( XXXX ). This needs to stop. This account is old and past the statute of limitations so why now is it being reinserted. Transunion needs to be held accountable for providing accurate credit reports. This is extremely damaging to my credit score. I have retained an attorney and if this account in not removed permanently I will be forced to pursue legal action against transunion and XXXX.
Product: Debt collection

To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, which you claim that I owe XXXX {$82.00}. This is a formal notice that your claim is again disputed. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Please note that I never received " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : I do n't have a contract with you, nor have I ever signed anything to XXXX stating I had an agreement with you and owed any monies to XXXX. 
Please be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. 
The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. 
I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : XXXX XXXX XXXX, TX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Product: Vehicle loan or lease

The vehicle that is related to this loan was stolen almost 3 years ago. After a highly numerous attempt of contacting the car agency and loan company, I have been unsuccessful trying to get this loan off my credit report. Not sure on how to move forward. Hoping this will allow me to get the report to the company and get this debt off my credit.
Product: Credit reporting or other personal consumer reports

I looked at my credit report around XXXX of this year and I noticed that some things are incomplete or not accurate, and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has reported itself twice on my credit report. The same exact account reported twice and with different information on each one. 
All of these accounts listed are not complete and are not accurate. 
I did get an investigation back but all it said is that they verified it was accurate but no information on how it was investigated to prove this accuracy. 
I requested a description of how they verified these accounts which they did not provide to me which violates 15USC 1681i7. 
According to the law if it is not verifiable or correct in any manner it should have been deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, looking at my XXXX and Transunion, it shows some derogatory accounts that do not belong to me. 
XXXX XXXX XXXX THE AMOUNT {$970.00} THIS WAS POSTED ON MY ACCOUNT XX/XX/XXXX XXXX XXXX XXXX WITH THE AMOUNT {$2200.00}. THIS WAS POSTED ON MY ACCOUNT AS OF XX/XX/XXXX 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra violations : Resident type Single family XXXX XXXX XXXX XXXX # A XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family please correct dr to DRIVE that is how you spell it isn't it?! 

must be ACCURATE INFOMATION FCRA law quit deleting accounts I did not request!!!!!!!!! 


not mine : also : XXXX XXXX XXXX XXXX Cellular ( XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting to have IC System Collections {$70.00} and XXXX XXXX {$51.00} removed from my XXXX and XXXX Credit Report. I am not aware of these creditors. These accounts are not my account. These two accounts are affecting my credit score. I have written to bother agencies and didn't get a response from either account. Both may be medical. I repeat these are not my account.
Product: Money transfer, virtual currency, or money service

Good Afternoon, My name is XXXX XXXX, I got a {$40.00} money order at the XXXX and XXXX XXXXn XXXX MA XXXX XXXX XXXX XXXX on XX/XX/2022 to pay a parking ticket. I went to XXXX XXXX XXXX and gave them the money order with parking ticket. a week goes by and the money order and ticket were mailed back to me because they said i paid to much. I called XXXX XXXX and they said I can now make payment online so that's what I did. So I went back to Stop and shop to get a refund for my money order because I didn't use it and they said they cant refund it and to go to my bank. I went to my bank and they said they cant cash it either it has to be cashed where you got it. So I do not know what to do and i really dont want to lose {$40.00}. So can you help me get a refund on this money order? Money order # XXXX
Product: Credit card or prepaid card

I called in to TD Bank on end of XX/XX/2020 to explain my hardship i have to pay because i'm affected financially by XXXX, they agreed and put me on a hardship program nad made with me a payment plan, bank also told me i have more time to pay it later and start to make payments on XXXX, and so i did i start to make payment on XXXX the balance agreed, but when i checked my credit report i see that TD reported me 30 day late on XXXX of 20202, and recording the CARES ACT if company Agrees to delay payment because of XXXX They not allowed to report me late.
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. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX