23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern : I'm a recent victim of identity theft and fraud. I recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed XXXX & FIRSTPOINT COLLECTION RESOURCES, INC that I wanted a little more explanation on, and they need to be deleted/removed from my credit report. I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX XXXX XXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. IF YOU DO NOT REMOVE I WILL SUE YOU IN COURT FOR DEFAMATION OF CHARACTER. 

FTC IDENTITY THEFT Report Number : XXXX THE POLICE REPORT # : XXXX I DEMAND THIS ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY! .AND STOP REPORTING THIS FRAUD ACCOUNT. 



COLLECTION ACCOUNT : XXXX & FIRSTPOINT COLLECTION RESOURCES, XXXX delete it from my credit report Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly that I am ( 120 ) days late on the XXXX partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureau and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureau to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Credit card or prepaid card

i was going to pay usaa off charged off credit card that was XXXX back in XXXX of last year. they informed me that i could make a settlement offer for XXXX dollars. so the next time i called in, i found out my credit card account was sent to XXXX XXXX XXXX. i called XXXX  to make a settlement offer for half the balance of the credit card. they informed me that i would get some kind of letter of release and that my credit report would be updated to where it would say settled in full or settled for less than full. this is not the case. i have not received anything yet. now my credit report updated reflecting the balance paid but the account is still saying i owe money. it is showing that i owe half of what i already paid, which should just show no balance and settled. i called usaa and they said i have to wait 30 days to get a letter from them or XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Bank account or service

Rushcard stated they would be doing a system update that would end at XXXX Mon. XXXX XXXX. They have yet to finish the update and users are shut out of their accounts, funds are missing, deposits have disappeared and no one is answering the customer service lines and if you are able to get thru after a XXXX hour hold time you are hung up on. Something must be done so that this will never happen again. People are in need of their money
Product: Credit card or prepaid card

Capital one was paid {$3000.00} from a loan I took from XXXX XXXX. This was overnighted by the bank on XX/XX/XXXX. In addition, I paid {$100.00} on XX/XX/XXXX. This overpaid the balance due by {$250.00}. I closed the account at that time. Capital One 's own statement shows XXXX. To date they have NEVER refunded the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I received several notifications that my information was exposed in several mass data breaches such as the Equifax data, XXXX data breach, and XXXX. In result of these breaches my information was used to open multiple fraudulent accounts. After requesting a copy of my credit report and noticing several fraudulent accounts listed on my report, I disputed the accounts via certified mail and have not received a response from anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquires reported and the account with XXXX is FRAUD. Said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EXPERIAN to provide documentation used to determine inquiry and XXXX account was indeed authorized by the consumer. EXPERIAN has 15 days to provide me with the name of the person spoken to, documentation used and signed application with consumer WET INK SIGNATURE. Consumer is not asking for an E-Oscar report. If EXPERIAN does not have documentation to show these were in fact authorized, it must be removed asap. Said company is liable under the SEC to follow certain rules. EXPERIANS Commission file number is documented. I will be filing form 211 treasury omb forms to audit consumers account. EXPERIAN is securitizing consumers data yet refuse to provide consumer a copy of their Consumer File NOT Consumer Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite 2 prior complaints filed with this agency, XXXX   continues to NOT include XXXX XXXX XXXX XXXX 25-year-old account on my credit report that has resulted in the inaccurate reporting of my credit file causing me to be denied credit. XXXX XXXX XXXX XXXX in their explanation stated that they report to all 3 bureaus monthly. XXXX, TRANSUNION, AND XXXX monthly. But None of them except, XXXX   seems to have this account listed. XXXX states that upon their inquiry to XXXX, they were told them that due to the account being suppressed, it was not showing but NOW it has been fixed. And, the problem NOW is with my last name. The last name issue was fixed directly with XXXX XXXX XXXX XXXX still, XXXX continues to not report this account. Now, I have been denied credit based on having a " Limited CREDIT HISTORY '' because the information being reported by XXXX   is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not my account its been removed from XXXX and XXXX but XXXX will not remove this should be marked as inaccurate
Product: Money transfer, virtual currency, or money service

Okay so on XX/XX/XXXX a friend asked me to convert XXXX $ on XXXX  XXXX  to paypal and i did but i did it through my bank the first time and it put the money on hold ny friends didnt want to wait so i seen the money wasnt taken yet so i re tried i got my pay check today and it took the XXXX $ off my account and i already sent him it and its still pending or hes not trynna send it back ( fake friend ). I need the money back asap please.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint today to reiterate my request for your investigation into the inquiries listed below, as stated in my previous complaint dated XX/XX/XXXX. These inquiries are being reported on my credit report in violation of federal law. The 3 Credit Bureaus are obligated to conduct an investigation in accordance with the Fair Credit Reporting Act, 15 USC sections 1681, within the legally stipulated timeframe. Please find a summary of the inquiries displayed on my report below : -- -- -- -- -- -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX 2017, Equifax, though their website informed me they allowed identity thieves to steal personal information on me including my SS #, drivers license number, name and address from their 'secure ' system. 

I never authorized Equifax to obtain this information. In effect, Equifax stored my information improperly, at least by associating my personal information with my Social Security number, allowed thieves access to all the information, and failed to notify me.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and as a result, several fraudulent accounts and unauthorized inquiries have appeared on my credit report without my consent. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent accounts and inquiries.

Fraudulent Accounts to Be Deleted : 1. Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$250.00} 2. Creditor : XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$890.00} Unauthorized Inquiries to Be Deleted : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX
Product: Mortgage

I purchased my apartment XX/XX/XXXX and XX/XX/XXXX I was approved a short sale under HAFA. The sale was completed and I was told that any negative credit reporting would be removed from my record. To this date, the mortgagor has not removed negative credit entries from any of my credit reports with any of the agencies. This is having an adverse affect on my ability to apply for other credit and is unfair.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> National Credit Adjusters XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Subject : Cease and Desist Demand for FCRA Violations Account # XXXX To Whom It May Concern, This letter serves as a formal cease and desist demand regarding your attempts to collect an alleged debt in the amount of {$310.00} under Account # XXXX. Your company is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and other applicable consumer protection laws.

Upon review, I have identified inaccurate, unverifiable, and potentially unlawful reporting of this account. As a consumer under the FCRA, I have the right to dispute and demand verification of any alleged debt being reported or collected. If you are reporting this account to the credit bureaus, you are required to ensure the accuracy and validity of the information. 

Violations of Federal Law : 1. Failure to Provide Proper Validation Under 15 U.S.C. 1692g ( b ) of the FDCPA and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) of the FCRA, you are required to conduct a reasonable investigation when a dispute is raised. If you have failed to provide me with proper documentation proving this debts validity, you are in direct violation. 
2. Reporting Inaccurate or Unverified Information Under 15 U.S.C. 1681s-2 ( b ), furnishers must investigate and correct inaccurate or unverified information reported to the credit bureaus. If this account remains on my report without proper substantiation, this is a willful violation of federal law.

3. Continued Collection of a Disputed Debt Under 15 U.S.C. 1692g ( b ) of the FDCPA, collection activity must cease until proper validation is provided. If you have continued collection efforts without meeting the validation requirements, you are in violation of federal law. 

Cease and Desist Demand : I hereby demand that you : Cease all collection activity related to this alleged account immediately. 
Cease and desist from any further reporting of this account to any credit reporting agency unless it is fully verified with legally compliant documentation. 
Provide full validation of this debt, including but not limited to a copy of the original signed contract, itemized statements, and proof of your legal right to collect. 

Failure to comply with this request will result in legal action. I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. Additionally, I am considering a civil lawsuit for damages under 15 U.S.C. 1681n and 15 U.S.C. 1681o, which provide for statutory damages of up to {$1000.00} per violation, actual damages, punitive damages, and attorneys fees. 

You are hereby notified that any further communication regarding this matter must be in writing. Any attempt to contact me via phone, email, or third parties will be considered harassment and a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

This letter serves as your final notice. Govern yourself accordingly. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally request a deletion of all inaccuracies reported on account : XXXX XXXX with XXXX. 

Upon reviewing my experian credit report on XX/XX/year>, I noticed that some things are incorrect, incomplete and inaccurate, those errors include reported open date, date of the first payment and last reported date. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX, has violated my rights. 

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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

XXXX XXXX XXXX with an amount of {$3200.00} Account is not mine, identity theft issue/fraud alert.
Product: Checking or savings account

XX/XX/2019 Consumer went through onboarding process to open a savings account at Marcus.com. After disclosing all information the application was refused. No reason was provided. 
Consumer immediately tried to respond via email ( as part opening the online account Marcus.com sent a PIN as part of the verification process ). The email bounced and no alternative email was provided. 
Consumer Called customer service and requested disclosure as to why the application was refused. Request was not serviced citing privacy concerns and no alternative path to a ) either provide additional supporting documents or b ) reach someone who could help were provided.
Product: Vehicle loan or lease

Santander doesnt mind reporting if your loan is late or anything negative on a report. However, they are reporting my balance incorrectly on my credit report for over 6 months. They refuse to update the correct remaining balance on my account. I also made a payment at XXXX XXXX last month and western union didnt receive the correct transfer so they reported me late. XXXX XXXX called Santander and told them it was in error on their end and they told me to put in a dispute but, when I spoke with someone else they said they would correct the error and send it to correct the credit report. This has not been done. Im requesting for the correct balance on the account to be reported correctly and to remove the 30day late off as a courtesy or error, They keep reporting like I owe {$3800.00}. when I owe them under {$2200.00}
Product: Credit reporting or other personal consumer reports

This company has been double dipping into my TRUST which is a crime this account was paid on XX/XX/2023 with XXXX XXXX number XXXX
Product: Credit reporting or other personal consumer reports

I Looked at my report and noticed some things are incomplete and not accurate .According to fair credit reporting act Whenever consumer reporting agency prepares consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent a letter asking them to reinvestigate these accounts listed below because PERSONAL INFORMATION- 1 ) EMPLOYMENT- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAN U LOOK INTO THIS MATTER
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow-up complaint from my previous complaint, which was the third complaint at that time. 
My last complaint was XXXX. 
I wrote : This is my third complaint about Experian about this matter. Experian just keeps alleging litigation with no explanation. Experian has alleged current or pending litigation but has not provided a case number or any explanation. I know there is no pending litigation, so what was this past litigation? To what case do they refer? On what issue was this alleged prior litigation focused? What was the result of that litigation? Why does CFPB just accept what Experian says on the face of it and not explore for the actual truth? Experian has not explained anything, and yet the CFPB does nothing. Why is that? '' What did Experian do? Refused to address the complaint and then posed the same lame and vague excuse of litigation, without explaining as requested. What did the FCFPB do? Nothing just closed the complaint with no explanation from Experian. 

Experian must explain the litigation to which they refer. 
Otherwise, I can't address the situation. 
Experian refuses to explain anything and will not address the original complaint either. 
This is an unfair attempt by Experian to avoid their violations and my complaint. 

CFPB must not accommodate Experian in their hiding behind a murky unexplained excuse.
Product: Credit reporting

I have contacted XXXX XXXX XXXX several times and they say they have no record of my account but it continues to be listed on my report. XXXX time I called and they said it was my husband 's account but it is not listed on his credit report. They do n't know how to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DPT EDXXXX, DEPT OF ED/XXXX XXXX XXXX XXXX, U S DEPT OF EDXXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # 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: Credit reporting or other personal consumer reports

Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Better Business Bureau XXXX BBB ) to seek their assistance in resolving this issue. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent you the letter form the court house did not find any filling or any information shared with ypour organization and then all these inquirires which are not mine never requested any services from those creditors on those dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX