23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

i justr recieved first written notice of debt on XX/XX/2024 of an alleged debt owed to sierra outsourcing solution in the exorbant amountt of {$18000.00}. Sierra outsourcing solutions is breaking the law because they have been reporting this debt to the credit bureaus for a couple months now. i have received no such notification.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of certain information that LexisNexis has included in my consumer credit profile. This information has had a significant adverse impact on my reputation and character. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.Code 6801 ( a ) and 15 U.S.Code 6802 ( a ), I am requesting that LexisNexis promptly investigate this matter and delete the inaccurate information from your company 's database.

Ive received a copy of my public record filings from PACER, and Ive also noticed the reporting information containing the listed XXXX under my name is not reporting the same details as shown in my LexisNexis report. The Fair Credit Reporting Act title 15 U.S.C 1681 ( a ) states its a grace responsibility for reporting agencies to ensure accuracy and fairness of credit reporting. 
According to 15 U.S.Code 6801 ( a ), financial institutions are required to maintain the confidentiality of consumer information and are prohibited from disclosing such information to third-party agencies without the explicit consent of the consumer. It is my understanding that U.S. Bankruptcy Courts do not share consumer information with third-party agencies for the purpose of verifying reporting items on a consumer credit profile. Therefore, any information pertaining to my bankruptcy proceedings that LexisNexis has included in my consumer credit profile is not only inaccurate but also in violation of the FCRA. 
Furthermore, 15 U.S.Code 6802 ( a ) places the responsibility on consumer reporting agencies like LexisNexis to ensure the accuracy of the information they report about consumers. The inaccurate reporting of the bankruptcy proceedings has caused significant harm to my reputation and character, which is detrimental to my financial well-being. 
I respectfully request the following actions : Conduct a thorough investigation into the accuracy and legitimacy of the information related to my bankruptcy proceedings on my LexisNexis consumer credit profile. 
Promptly delete any inaccurate or unverified information related to the bankruptcy proceedings from your company 's database. 
Provide written confirmation of the removal of this information from my consumer credit profile, as required by the FCRA. 
Cease and desist from reporting any such inaccurate information in the future. 
I understand that the FCRA requires that consumer reporting agencies respond to consumer disputes within 30 days. Therefore, I kindly request that you expedite this investigation to ensure a timely resolution of this matter. 
Please provide me with written documentation of your actions, including any investigation findings and the resolution of this dispute. You may send the response to the address listed above. 
I appreciate your prompt attention to this matter and your compliance with the FCRA 's requirements. The removal of this inaccurate information from my consumer credit profile is crucial to my financial well-being and reputation. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since COVID I have been on credit card payment deferment. XXXX XXXX and Experian have all lowered my Score which is now making it difficult for me to aquire a new mortgage. There should be taken into account and not used to hurt the consumers. I am on time with everything and i dont just pay the minimum.
Product: Credit reporting or other personal consumer reports

My consumer rights have been violated. Pursuant to 15 USC 1681b I never gave consent. 
They are reporting fraudulently and pursuant to 15 USC 1681c-1 and 15 USC 1681c-2 the information needs to be removed and blocked. I have previously disputed these items errors and by reporting them my rights are being violated pursuant to 15 USC 1681s-2a1a reporting information with known errors. 
By allowing these errors they also are violating my rights pursuant to 15 USC 1681eb for maximum accuracy.
Product: Credit reporting

I have a lot of Hard inquieres, on my credit report the only thing I can think of my computer was stolen early this year. I had all my information in it, also it saved all my passwords and would put in all my info on any app that a person went to how can you help if you could. I have tried to send letters to the credit companys and the bureaus with no response when I did get a response it said no action taken. thank you in advance
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Debt collection

I sent a cease and desist letter to IQ Data International about debt I am disputing Through the XXXX XXXX XXXX. Now they are calling 10 times a day and hanging up on me. They called my wife at her place of business and hung up on her four times. One time they simply asked where she used to live and hung up. This debt of {$300.00} involves a fraudulent billing practice where XXXX XXXX XXXX XXXX XXXX overbills clients for cleaning charges -- -charges they expense using in-house labor ( tax fraud ) they are also claiming we owe rent when we gave 30 days notice as required by Oklahoma law and were current on our rent when we moved out. It should be noted the apartment sent this directly to collections without sending us a bill.
Product: Vehicle loan or lease

Paid off the loan to Hyundai Motor Finance on XX/XX/2022. Multiple lengthy phone calls to them and still have not received title. Online shows title requested and should be received within XXXX business days and that was months ago with no progress.
Product: Credit reporting or other personal consumer reports

In accurate information is reporting on my credit report that belong to someone else.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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 with out my written instruction
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a COLLECTIONS ACCOUNT opened by XXXX XXXX XXXX on XXXX under the account number ( XXXX ), an collection originally owned by XXXX XXXX  and sold to XXXX XXXX XXXX This accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned accounts, or collections as reported. The aforementioned accounts, and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account, and collection are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( FTC Report Number : XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and collections are the result of identity theft and fraud. 

Furthermore the collection company has made false reported attempts to actually investigate the original account. that in case was opened while i was XXXX  please see attached document proving me being incapable of opening the original account therefore invalidating their collection account.
Product: Checking or savings account

I made a cash deposit on Citibank XXXX XXXX XXXX XXXX XXXX atm XXXX of {$1100.00} at XX/XX/XXXX XXXX XX/XX/XXXX, the money got jammed, I asked the manager to help, he made me call the It service, I did and opened the case # XXXX, they gave me 1 business day to fix that, on XX/XX/XXXX at XXXX I called again and they said would take 10 to 45 days to get that fixed, I went to the branch to speak to the manager again, he talked to me on a ironic way pretending that I put a quarter in the middle of the bills, since them Ive been treated like a thief, when I made my point : did you find the money, answer is yes, the amount is right? Yes, so why would I do that? Them they changed the tone of the conversation. 
The money was to pay the IRS payment which at this point have already returned Beside all the financial problems Im facing the situation that Ive been treated as thief or scam which no proofs
Product: Credit card or prepaid card

I filed a dispute when I was charged twice and services weren't received. One charge was resolved and the other is outstanding. Capital One said to contact the vendor that the dispute had been closed. I contacted the vendor and they said they never received money and I needed to contact Capital One.
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. 


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 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 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) Section stats : 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 card

XXXX capital one data breach class action settlement. I contacted capital one to find out if I was a class member because I was never notified. I was told I was I was notified by email on XX/XX/XXXX. I did not received email notifying me about the data breach class action settlement. I still have all my emails from XX/XX/XXXX. Capital one did not properly notify me that I was a class member, I did not have a fair opportunity to join the class action lawsuit. I have called capital one and they said thats theres nothing they can do to resolve this issue.
Product: Credit card

I applied for a credit on XX/XX/XXXX while in the process of purchasing XXXX XXXX tickets. Citi bank advertises a statement credit if you apply for their credit card during the check out process. I followed the link provided and applied for the credit card, was approved instantly and clicked on the link to access a temporary card number to utilize for the purchase. The link was a broken link and after many attempts, I was still unable to access the promised temporary link. The next morning XX/XX/XXXX, I spent approximately an hour and half being passed around to different departments within Citi bank only to be promised by each one I would be receiving a link within XXXX of the application that would allow to access my card information. That email/link never came. I called again first thing in the morning on XX/XX/XXXX to advise I had not received the link. The representative I spoke with advised there was nothing they could to do help me or resend said link. I requested to speak with a supervisor. I explained the situation and the information I had been provided the day before, only to be told that no such email or link is ever sent and he was unsure why I would have been given that information. He also then advised me that because I had done my application on a mobile device that that was the reason I could not access the link upon my application completion. This information/ warning is not provided to consumers and applicants before they proceed. It is a miss leading advertisement that does not provide proper warning before allowing you to proceed.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WANTED TO DISPUTED THIS OLD ITEM I FELL INTO HARD TIMES AN WAS UNABLE TO PAY I TRIED TO WORK OUT A PAYMENT PLAN WITH ORIGINAL CREDITOR AN COULD NT WITH STAND PAYMENTS THIS WAS BACK IN 2016 FOR ORIGINAL AMOUNT FOR {$2000.00} I WANTED TO REMOVE IT BECAUSE IT DOES NOT BELONG TO ORIGINAL CREDITOR THIS IS THE WRONG INFORMATION AN HURTING MY CREDIT PLEASE HAVE ALL 3 CREDIT DEPARTMENT REMOVE IT
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts were opened using my identity. These accounts are having an adverse effect on my credit files. XXXX, Equifax, and XXXX  are reporting accounts that are not mine and are allowing these collection agencies report false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reach out to XXXX XXXX on my behalf that they had closed my account they verify that the account was fully closed but they continue with the harassment they recently stated that my account was closed but send me a letter stating that my dispute towards them was falses and that it doesnt hold weight as a consumer they are violating my consumer fair credit reporting act rights this account was removed from XXXX and I would like to be removed from TransUnion and XXXX as well this company just like to take advantage of there customers and then violate there consumer rights
Product: Debt collection

I have never went to this company credco XX/XX/2017 or i never asked or gave no one permission to use my name so y should i be charged for something ive never done or asked for so it was someone else ... Stop charging me an take off my credit please ive never went to this company before
Product: Credit reporting, credit repair services, or other personal consumer reports

Initially XXXX  XXXX  XXXX  didn't even offer me any programs when I contacted them to tell them I would be late on a mortgage payment because my mom passed from XXXX XXXX ; I explained to them in great detail how her illness and death adversely affected me financially. Later, I was told about and placed on a Forbearance with XXXX  XXXX  XXXX  but yet they reported me late for XXXX, XXXX and XX/XX/2020 mortgage payments.. 

They also did not notify me that my XXXX XXXX backed mortgage would allow me 180 days to not make a mortgage payment, without being on a forbearance and without any penalties or fees. 

American Express- After years of letters back and forth explaining to them that I never owned or used the credit card for which they reported me delinquent, they continue to report such derogatory and erroneous information on me to the credit bureau. 

Both XXXX XXXX XXXX  and American Express ' negative reporting of me has now prevented me from getting prequalified for a new mortgage so that I will not be homeless when I sell my current home ( which is financed by XXXX  XXXX  XXXX  )
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

To Experian XXXX XXXX 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 XXXXXXXX Phone : XXXX Subject : Formal Dispute Resolution XXXX XXXX ( Acct : XXXX ) ** Dear Experian & XXXX XXXX Representative , I am formally disputing the incorrect charge-off listed on my Experian credit report for XXXX XXXX due to errors in reporting, failure to notify me, and potential IRS non-compliance. 

Account Details : Creditor : XXXX XXXX Account Number : XXXX Status : Charge-Off Date Reported : XX/XX/year> Issue : Account was settled, yet still marked as charge-off, with no IRS Form XXXX issued Reasons for Immediate Removal or Correction : The account was settled in full, yet still marked as a charge-off. 

This account was legally settled for less than the full balance, meaning it should not be reported as a charge-off but rather as " Settled Paid in Full. '' The reporting misrepresents the true status of the account, violating Fair Credit Reporting Act ( FCRA ) guidelines. 
Failure to Notify Me of the Charge-Off ( FCRA Violation XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) ) Under the FCRA, creditors must notify consumers before reporting a charge-off to the credit bureaus. 
XXXX XXXX never sent me any notice informing me of this charge-off before it appeared on my report. 
Failure to Issue IRS Form XXXX for Canceled Debt ( IRS Violation XXXX XXXX. XXXX ) If XXXX XXXX canceled {$600.00} or more of this debt, they were legally required to issue Form XXXX and report the canceled amount to the IRS. 
Since no XXXX was issued, this charge-off is either invalid or should not exist on my credit report. 
Requested Actions : Remove the charge-off from my credit report immediately to correct this reporting error. 
Update the account status to " Settled Paid in Full '' instead of " XXXX. '' Provide documentation proving I owed a balance after my settlement agreement. 
Provide written proof that I was notified before this charge-off was reported. 
Confirm whether XXXX XXXX reported this charge-off to the IRS and provide a copy of Form XXXX if applicable. 
If no valid proof exists, issue a formal statement confirming the charge-off was incorrectly reported. 

Under FCRA ( XXXX XXXX. XXXX ), you are legally required to investigate and respond within XXXX days. If this charge-off is not removed or corrected, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission XXXX FTC ) XXXX and the IRS for investigation into non-compliance with tax reporting laws. 

Please confirm receipt of this dispute and provide written confirmation of the resolution. You may contact me at XXXX or XXXX. 

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

XXXX XXXX and XXXX XXXX XXXX I zelled my roommate money for rent and it never went thru to their account but it got taken out of my account. This cause me to have to send money via cash app instead so I had to double pay for 3 months worth of rent and never got a solution from Zelle. This was {$3000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the account listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which protect consumers in cases of identity theft and unauthorized use of their personal information. 
Account : XXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Bank account or service

I opened an online account with Synchrony Bank about 2 months ago. 
Beginning XXXX weeks ago, I have been unable to access my account. When I log in, I get a message to call them. I have called 4 times and no one has been able to correct this issue. They say they will escalate it, but no one calls me & no one has fixed this problem.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. NAVIENT XXXX and NAVIENT XXXX were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Debt collection

XXXX XXXX at ARstrat collection agency ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TX XXXX ph XXXX ) has been calling me about a medical debt of {$140.00} ref # XXXX with XXXX XXXX XXXX. I have been receiving repeated phone calls and letters from this collection agency about this supposed debt. I contacted XXXX XXXX XXXX and they have told me that all of my medical bills were paid. XXXX XXXX does not show that I have a balance due on any account and they are telling me that they did not submit a balance into collections for me. 
I passed this information on to XXXX and advised her that I am disputing the validity of this debt and the creditor is telling me there is no balance owed. I am a XXXX person on medicare and all my debts are paid through my insurance. I never received a past due balance from XXXX XXXX for anything.