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

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 XXXX # XXXX Account Name : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items of information Any other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( 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: Debt collection

I was contacted by messerli and kramer in XXXX ( around the XXXX or somewhere around there ) about a debt i have, they served me papers. I called and emailed ( found out the emailed listed didnt work ) left voicemails to get it resolved and no response this was end of XXXX on the XXXX. Last week they sent me a letter saying they will be garnishing my paychecks and i have a week to respond. I called on sunday the XXXX, left a voicemail. Monday the XXXX left a voicemail, and still no response. I have been trying to get these resolved and they are refusing to contact me.
Product: Credit reporting 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 items 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 is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX I sent a verification letter to the company Jefferson Capital SY and I have yet to hear back from them verifying that I owe this debt. I disputed it with XXXX and they took it off. I disputed it with XXXX and it still is on my credit report. This company Jefferson Capital is ignoring my letters and not showing me proof that I owe this debt. I want this removed completely from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several dispute letters to XXXX, XXXX, and Experian about an incorrect account on my credit report from XXXX XXXX. XXXX could not verify and sent me proof of the debt so it was deleted. I requested the debt be verified and to be sent proof from all three agencies. XXXX and Experian refused to correspond in regards to the debt on all occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXX Balance : {$28000.00} XXXX  XXXX XXXX Balance : {$680.00} XXXX XXXX  XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$28000.00}
Product: Credit reporting or other personal consumer reports

I have been made aware that you are not eliminating items, even when they are submitted with an FTC fraud report # XXXX. This marks my third complaint regarding identity theft, and I am submitting this to contest the items listed in my file following the crime, as per the bureau. The disputed items are unrelated to any transactions involving the acquisition of goods, services, or money that I have authorized. Kindly expunge the reporting of these items from my credit file, which stemmed from an alleged identity theft : 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 XXXXEQUIFAX XXXX XXXX XXXX
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. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX NA-Date of XXXX XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Debt collection

On XX/XX/19 at XXXX XXXX  I received a call from a company claiming to represent XXXX XXXX XXXX   credit card collections. 
After I had told her I had a lawyer and was filing bankruptcy she began to ask more questions, I told her my lawyer would handle it, and she still kept asking questions so I just hung up. 
But They called before XXXX on a Sunday, and from what I understand that its against the law to be called before XXXX or after XXXX on a Sunday. 
Call was received from the following number +1 ( XXXX ) XXXX This is after I have been called repeatedly throughout the weekdays days for this specific debt over and over multiple times a day. 
And now its even happening on sundays outside of hours.
Product: Credit reporting

This is not and never has been XXXX of my addresses. XXXX XXXX XXXX XXXX XXXX, MO XXXX. This is my ex-husbands current address and I do not reside with him. Please remove it from my Equifax report. Thank you. 
There is also a credit card on my Equifax report from XXXX - XXXX Credit Card XXXX XXXX, XXXX Closed {$0.00}. Please remove this. 
XXXX - This was never my debt it was a student loan my ex-husband took out and I never signed for this. Please remove - XXXX Student XXXX XXXX, XXXX Closed No Missed Payments {$0.00}
Product: Credit card or prepaid card

On XX/XX/18 Wells Fargo charged me {$25.00} for an annual fee for their secured credit card. I have really good credit and have been denied the opportunity to receive an unsecured credit card. Wellsfargo takes advantage of this and charges me a {$25.00} fee every year. I have been a customer for more than 3 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX for almost 10 years. I was released from XXXX on XXXX. Almost everything on my credit reports and XXXX and XXXX XXXX reports are fraud! I could not possibly have taken out and credit or opened bank accounts during XXXX. Also fraudulent tax returns were filed in my name. Ill list credit report fraudulent accounts, inquiries, public records first. Also there are addresses and employers listed that are apart of the fraud. Ill then list bank accounts reported by XXXX and XXXX XXXX. Then Ill list the years of fraudulent tax returns. 

Accounts : XXXX XXXX XX/XX/XXXX {$67000.00} XXXX Bank XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX Credit Card XX/XX/XXXX {$1500.00} XXXX/XXXX XX/XX/XXXX {$800.00} XXXXBank/XXXX XX/XX/XXXX {$620.00} XXXX Bank XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1200.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XX/XX/XXXX {$450.00} Public record : Bankruptcy XX/XX/XXXX Bankruptcy XX/XX/XXXX XXXX and XXXX XXXX : XXXX bank XXXX XXXX bank XXXX bank XXXX XXXX bank XXXX bad check Ive also found out that fraudulent transactions have been done with the following companies : XXXX XXXX XXXX My family is teaching me about technology and we were trying to setup XXXX and they said my account is frozen. XXXX also wouldnt let me create an account and XXXX had all kinds of security issues. 

I have been contacted by more companies stating I have outstanding debts. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My x girlfriend and her boyfriend put XXXX XXXX  in my name amongst other things, I've handled everything, but this company trying to collect it called SUNRISE CREDIT SERVICE Wiped it clean, if I signed up with XXXX XXXX, HE FIXED IT THEN SAID WELL NOW U HAVE TO PAY A MEMBERSHIP FEE AFTER HE DID IT, ITS ALL A BIG SCAM, AND JAMMED UP MY CREDIT, I PAY ALL MY BILLS AND MY COLLEGE TUITION WILL BE PAID OFF XX/XX/XXXX WHICH IS MY LAST DEBT, ID LIKE TO BUILD A HOUSE BUT THESE CROOKS HERE KEEP DROPPING AND BRINGING IT BACK, WILL YOU PLEASE STEP IN AND HANDLE THIS, ITS NOT EVEN MY DEBT
Product: Credit reporting or other personal consumer reports

Hard inquiry I don't recognize. 
CAPITAL ONE Inquiry : XXXX XXXX, 2024 CAPITAL ONE XXXX CAPITAL ONE XXXX XXXX, VA XXXX ( XXXX ) XXXX Hard inquiry I don't recognize CAPITAL ONE BANK USA XXXX XXXX XXXX. XXXX, 2024 CAPITAL ONE BANK USA XXXX Capital One XXXX XXXX, VA XXXX Alert Type : Inquiry - New Inquiry Found On : XX/XX/year> Inquiry Date XX/XX/year> XXXX CARDS XXXX Phone ( XXXX ) XXXX Business XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

i was looking up all my credit reports and i got all of the except eqifax it said it was under maintance it did that last time to me to
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon looking at my Equifax report on XXXX XXXX I noticed that my current address is not my own. I have seen this address before. I currently have an account in charge off status with XXXX XXXX XXXX. I have called and written to this company many times to have them close the account and bill me to my current address of XXXX XXXX XXXX XXXX, XXXX, PA. I have gotten no response and the account went into charge off. Now I am getting ready to apply for a car loan and looked at this Equifax report only to see that it has my current address as the person whom I believe took my XXXX XXXX account under identity theft. I would like my address corrected on the Equifax report. If you have any suggestions as to how I can get XXXX XXXX to respond to me I am open to that as well. I am beyond frustrated with this. I have documentation proving that XXXX XXXX changed my address back and forth between mine and this other persons Thank you!
Product: Credit reporting or other personal consumer reports

Dear XXXX, I hope this message finds you well. I am writing to inform you that I have contacted the bureau regarding a data breach in which my personal information was compromised. Upon reviewing my report, I discovered that fraudulent information has been reported under my name. 

I have made multiple attempts to resolve this issue, including writing letters and making phone calls to the bureau. Despite these efforts, they continue to insist that the information is accurate, when in fact it is not mine. I wanted to make the XXXX aware of this situation and the steps I have taken to resolve the matter. 

Please let me know if you require any additional information. 

Thank you for your attention to this issue. 

XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly m light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has 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: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my consumer report, as provided by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( e ) ( b ), it is imperative that consumer reporting agencies maintain accurate information to ensure fair and reliable credit reporting.pursuant to 15 USC 1681s-2 ( a ) ( 1 ) ( E ) ( iii ) The inaccurate information pertains to [ TransUnion stated their information has been verified as Accurate. The document Ive submitted shows the address doesnt support their false finding and According to the Federal Bankruptcy Court House this is called " abusive bankruptcy filing '' how can I file multiple times when chapter XXXX is XXXX  years and XXXX is XXXX  years as well. TransUnion didnt verify these erroneous bankruptcy reports or verified my current address either which Ive sent Transunion have proof of my address which on my credit report. These Bankruptcy arent attached to my current address ]. This information is erroneous and does not accurately reflect my credit history. I have thoroughly reviewed my credit records and can affirm that the information in question is inaccurate.

In accordance with 15 USC 1681s-2, I am requesting that you promptly investigate this matter and correct the inaccurate information on my consumer report. Furthermore, I urge you to comply with 15 USC 1681i ( 5 ) and the Metro2 Reporting Guidelines to ensure the accuracy and integrity of consumer credit information. 
Please find enclosed copies of relevant documents supporting my dispute, including [ list any supporting documents, such as copies of credit reports or correspondence ]. I kindly request that you conduct a thorough investigation into this matter and provide me with a written response detailing the results of your investigation and any actions taken to correct the inaccuracies.

Failure to comply with the FCRA and rectify the inaccurate information on my consumer report may result in legal action. I trust that you will handle this matter with the utmost urgency and professionalism. 15 U.S. Code 1681e /15 U.S. Code 1681n/ 15 U.S. Code 1681o
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding attempts by a debt collection agency to collect debts that I do not recognize or owe. The collection agency has failed to provide adequate validation or confirmation of the legitimacy of these debts, yet they continue to contact me. 

Despite my attempts to resolve this matter and obtain proper verification, the debt collector has not provided the necessary information to substantiate the debts. I believe that the actions of the debt collection agency are in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

As outlined in 15 U.S. Code 1692c, debt collectors are prohibited from communicating with a consumer regarding a debt at an unusual time, place, or manner that the consumer has indicated as inconvenient. Additionally, communication must cease if the consumer has informed the debt collector that they refuse to pay the debt or request that communication stop. I believe these rights are being violated in this case. 

I request that the CFPB investigate this matter to ensure that the debt collection agency complies with all applicable federal laws and that my rights are fully protected. I also request that further communication from the debt collector cease unless they can provide full and valid confirmation of the debt.
Product: Debt collection

I had a bill for {$900.00} owed to XXXX XXXX XXXX. I paid this bill directly with XXXX on XX/XX/2020. 

On XX/XX/2020, Diversified Adjustment Service Collections reported that I owed them {$900.00} to all 3 major credit bureaus. They reported this incorrect information after the date that the bill had been paid directly with the original company. This is a violation of FCRA. This lowered my FICO score by 24 points. 

I called Diversified Adjustment Services to dispute this credit reporting. They refused to help at all. Refusing to update incorrect information on a credit file after being made aware of it is another violation of the FCRA. 

Diversified Adjustment Services sent an update to the credit bureaus on XX/XX/2020 stating that the account had been paid. They did not put a note that this account is in dispuite. This is another violation of the FCRA. This further lowered my FICO score by 14 points. 

This account should never have been reported to the credit bureaus in the first place and the information should have been immediately removed after they were made aware that the reported information was incorrect.
Product: Credit card or prepaid card

On XXXX XXXX I made a charge on my CapitalOne MC ending on XXXX for company XXXX for {$370.00}. they treated the transaction as a XXXX XXXX and charge additionally Cash advance fee {$11.00}. There after they continue charging interest in XXXX, XXXX etc until now Cash advance interest and regular interest : XXXX {$4.00} and {$20.00} ; XXXX {$440.00} and {$15.00}, XXXX {$3.00} and {$17.00} I call them to inquire about the transaction and they told me they would not reverse, also I told then that a payment I made on the XXXX statement for {$430.00} should be applied againt the cash advance, cash advance interest and minimun payment for this month - they refuse to do so as well. 
After further research I found 2 previous instances in XX/XX/XXXX and XX/XX/XXXX of XXXX that I made charges on this same card for the XXXX company and were treated as regular credit card charges ( no cash advance fee ). I talked to a supervisor and she would not even listen he say no to everything. 
I am requesting refund on cash advance fee, cash advance interest and regular interest derived from the XX/XX/XXXX charge.
Product: Student loan

I am attempting to work with my student loan lender. I do, however, wish everything to be in writing that I can save for my own resources. I have difficulty understanding speech over a telephone, in addition to being afraid to speak through one. I would not be able to fully understand what is being said to me through a phone, and I fear I will agree to something that will not sufficiently help my case. I suffer from XXXX and XXXX that affects my health for days after a phone call. Although I have explained this through email to the company, they have stated that they can not work with my case through email or mail. The only communication I 've received is in the form of a telephone number. I have also received threats against my paycheck in the form of garnishments and my tax return. I have attempted to make payments where and when I can, but my current bills already exceed my pay by XXXX dollars. I receive help from my parents for some of my bills. My daughter is XXXX and needs more care than I am able to find elsewhere, and so I can only work XXXX while she sleeps XXXX nights a week. That leaves me with a night schedule, which I must reverse during the school week to take care of her, and reverse again to do my job well. I have also received the notice that the only legal service in my state that could assist me refuses to assist in discharging private student loans. I am at the end of my rope, with little choice in how to proceed.