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

Assistance regarding inaccurate reporting on my credit report related to my account with XXXX. 

I have contacted both the credit bureaus and XXXX about this issue. The bureaus indicated that they conducted an investigation but ultimately verified the information as accurate. However, it is impossible for an account to be reported as both paid and derogatory at the same time. 

Given this conflicting reporting, I kindly request that you review my case and assist in the removal of this inaccurate information from my credit report. Maintaining an accurate credit profile is vital, especially for someone in my position, and I appreciate your attention to this matter. 

Account # : XXXX XXXX XXXX Account Type : Credit Line Credit Line Credit Line Account Type - Detail : Line of credit Check credit/Line of credit Line of credit Bureau Code : Individual Individual IndividuaXXXX Account Status : Transferred Closed Transferred Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$1300.00} {$1300.00} {$2500.00} Credit Limit : {$2500.00} {$2500.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Purchased by another lender Purchased by a another lender. 
Sold to : XXXX XXXX  Account transferred or sold Line of credit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Legend Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX
Product: Debt collection

My bill was due XX/XX/2015. I have received exactly XXXX calls in the last XXXX days, most with less than 1 hour between calls and today is ONLY XX/XX/2015. They were advised it would be taken care of as soon as possible yet I am getting phone calls some just minutes apart. I usually pay XXXX days ahead of time and I also pay more than my required monthly payment. This is harassment and I have advised them of that. I have also requested them not to contact me at my place of employment nor on my cell phone during business hours as it could ultimately cause me to have issue with my employer and if I get fired I wo n't have any means to pay the balances on my accounts. I do n't know if this call center is regulated by the FDCPA or the CFPB but they should be. I have never experienced a " customer service '' call center as rude or senseless as this and I have not done anything to be disrespected the way I have been, nor harassed for the last XXXX days consistently. I am outraged at the lack of compassion and reasonable reaction from these agents. There are many types of there are laws and regulations that protect us as consumers and I acknowledge that I have an obligation but harassing me is not going to resolve any issue, ESPECIALLY when it 's not even XXXX days delinquent. Due to daycare expenses for a single mother of XXXX during the summer months being double what they are during the school year a small amount of understanding should be shown. I have a perfect payment history with this company up to this month and they have n't even asked if they can " help '' me or what the under lying issue might be. I 'm not even certain if it is customer service or collection I have had to deal with. Regardless, they are harassing and abusing me as a consumer. I have not been this afraid to contact a company and work out a bill in a very long time. It is unreasonable and unnecessary phone Harassment.
Product: Debt collection

I NOTICED IN XXXX THAT A FRAUDULENT ACCOUNT WAS OPENED WITH XXXX  XXXX IN XXXX. I CONTACTED THE FRAUD DEPARTMENT AND PROVIDED AND IDENTITY THEFT REPORT AND AFFIDVIT AND VERIFIED THAT IS WAS INDEED FRAUD AND THE ITEM WAS REMOVED FROM CREDIT REPORT. NOW XX/XX/XXXX I RECEIVED NOTIFICATION THAT LVNV LLC IS REPORTING DEROGATORY INFORMATION TO THE CREDIT BUREAUS ABOUT THE FRAUDULENT ACCOUNT
Product: Debt collection

Collections alert on my credit XXXX XXXX and XXXX for a medical bill. I never received any written correspondence from the company. I was not given an opportunity to validate said debt. Upon calling the company I was informed that they no longer had the account, however they placed the account on 2 of my credit reports. The bill was paid to the original creditor.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, these inquiries into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im in a Direct Violation of The Fair Credit Reporting Act AMEX : ( XXXX ) XXXX XXXX XXXX XXXX  ( XXXX ) XXXX ( XXXX XXXX XXXX : ( XXXXXXXX XXXX ) has violated several of my rights 15 U.S.C 1681 section 602 A. Clearly stated that I have the right to privacy.

15 U.S.C1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose. 

Please Remove these late payments and update these accounts immediately as you are in direct violation of several laws under The Fair Credit Reporting XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a notification on XX/XX/2022, that my score has dropped. So I immediately go check to see what it was. There was a missed payment on an account that is not mine. I disputed this account before and it was removed from my credit report. I didn't know it was added back to my report. Nothing was sent to me confirming this account was added back or even proof that this account belongs to me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX & XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, # XXXX, # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have he right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB complaint requesting once again to the Credit reporting Agencies to remove the disputed Fraudulent accounts being reported on my Credit File. Under the Fair Credit reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Here is the list of accounts that should be removed from my Credit File ; XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$430.00} U S DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} US DEPT ED XXXX Date Opened XXXX XX/XX/XXXX Balance : {$50000.00}. Also, the Credit Bureaus have failed to send me copies of proof of verification as a result of their investigation, and yet they still continued reporting the disputed accounts on my Credit File! This action of the Credit Bureaus have violated a consumer rights under the FCRA and therefor the accounts should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second dispute about items contained in my credit I sent out disputes to the credit bureaus about accounts that are being reported on my credit that were not authorized by me. You had come back verified, how did you verified, who did you talk to? PLease send me physical proof of verification as the law require, you most have the documents to sustain your reporting. 
I have filed an ftc report to document this and would like you to help me resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have 3 pending complaints against the credit reporting agencies. According to the FCRA the credit reporting agencies are in violation and the accounts are to be deleted off my credit report while the investigation is in progress. Please ensure XXXX Experian XXXX remove the following accounts off my credit report until the investigation is complete. 

Complaint ID XXXX XXXX XXXX
Product: Debt collection

My name is XXXX XXXX XXXX a federally protected consumer, and I am making this complaint against XXXX XXXX XXXX for committing identity theft. I have never given XXXX XXXX XXXX any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from XXXX XXXX XXXX before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If XXXX XXXX XXXX can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX XXXX can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

I was a victim and identity theft with a federal case and have submitted documentation to experience and TransUnion, and also XXXX to remove everything on my credit due to the cause of the data breach that caused my information to hacked.
Product: Credit reporting or other personal consumer reports

There is a bankruptcy inaccurately reported on my credit profile. Either the information is not mine, or it includes errors such as incorrect dates or case numbers. I have made multiple attempts to resolve the matter with the credit bureaus and have provided supporting documents, but no changes have been made.
Product: Debt collection

The debt is for {$240.00} and GLA Collection Company , IncXXXX is the collection agency. 

XX/XX/2018 : Received initial bill from XXXX XXXX in XXXX, IN for {$240.00} in the mail XX/XX/2018 : Paid bill in full XX/XX/2018 : Received collection notice from third party debt collector ( GLA Collection Company ) This is an aggressive and unfair practice. The contact information for GLA Collection Company is : XXXX XXXX XXXX XXXX, KY XXXX XXXX
Product: Debt collection

The agency Accounts Management Incorporated third party collection agency I have been dealing with contacted me at my place of employment multiple times after asking them to stop. They never stopped this communication. This was the original way they chose to contact me and never on my personal phone mail or email. They only called my place of employment.
Product: Debt collection

XXXX XXXX ..they called and were asked to stop calling. They call multiple times per day. We have a max of 25 numbers we can block with our phone company and they are still getting through. They are relentless. This has been going on for 6 months or more.
Product: Money transfer, virtual currency, or money service

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

In XXXX and XXXX 2021 I filed a dispute with this bureau about the unverified account XXXX XXXX -- XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX  -- XXXX. In these months I have not received a notice in 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Product: Vehicle loan or lease

On XX/XX/2021, XXXX XXXX XXXX ran my credit report without my authorization.
Product: Student loan

I have been paying for my student loans since XX/XX/XXXX and still have a balance of {$23000.00} ; they will not be paid off until XX/XX/XXXX and I would like them reduced or eliminated, since I worked or the federal government. I currently make two ( 2 ) payments to Navient via directly from my checking account, in the amounts of {$640.00} and {$74.00}, for Stafford Subsidized ; Stafford Unsubsidized and XXXX loans. Stafford subsidizes loans total {$8300.00} ; unsubsidized {$9200.00} ; and signature loan {$5700.00}. I went to XXXX XXXX University and obtain my XXXX XXXX and XXXX XXXX degree in XX/XX/XXXX. I am XXXX years old turning XXXX on XXXX/XXXX/XXXX and would appreciate some relief with this debt. Thank you, 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 cXXXX 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 rights 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 items of information, other than records of convictions of crime 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 the information is inaccurate.
Product: Mortgage

This complaint has to do with the fact that JP Morgan Chase reported us to the credit bureau for past due loan amount of {$990000.00} when we have a mortgage on that loan, we have paid on the mortgaged home " on time '' every month and we have been working with Chase Mortgage for over a year now in an attempt to FIX a problem that THEIR organization caused.I have made calls to Chase Mortgage almost every month during this year in an attempt to fix this problem. Every time, I either have paid more money to put in the coffers, only to find out that the money was misapplied to another account OR, I have asked them to move the money from " unapplied funds '' into the escrow account and then later find out that moneys was moved into principle. It has been a nightmare. Now, the bank has done more damage by reporting account to the " credit bureaus '' as if the problem is something that we did. And, as a result of their reporting this issue to the credit bureaus, XXXX separate contracts have been placed into jeapardy with my small business because the XXXX has resported the company as having " financial problems ''. We have been directly negative impacted by the lack of coordination and mismanagment of Chase Mortgage Company. And, because the account is so very messed up, we are unable to apply for another loan to refinance.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following inaccurate information on my credit report. According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681e ( b ), which mandates that consumer reporting agencies adopt reasonable procedures to ensure maximum possible accuracy. and 15 USC 1681i ( 5 ), any item of information disputed by a consumer must be promptly investigated, and if found to be inaccurate or incomplete, it must be corrected or deleted from the consumer 's file. It is your duty to ensure that all information reported is 100 % accurate. The presence of any inaccuracies necessitates either the correction or removal of the erroneous data. XXXXThe account in question is as follows XXXX XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Balance : {$150.00} XXXX : Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Balance : {$150.00} Upon reviewing my credit report, I have identified several inaccuracies in regard to this account : Account Number, High Balance, Date of Last Activity, Times Days Late, Payment History Given these inaccuracies across my XXXX and TransUnion credit reports, I formally request that this account be removed from my credit report. If this matter is not resolved within 30-45 days from the receipt of this letter, I will have no alternative but to proceed with the litigation process to seek {$1000.00} in damages for each inaccuracy present on my report, as permissible under the FCRA. 

Please send me a written confirmation that this account has been removed, or if not, a detailed explanation of your actions to investigate and correct the inaccuracies. I am enclosing copies of relevant documents as proof of the errors for your review. 

Thank you for your prompt attention to this serious matter. I look forward to your swift resolution of this dispute.
Product: Credit reporting or other personal consumer reports

All hard Inquiries and all collections and charge offs need to be removed from my credit report immediately because it's violating my consumer rights and is inaccurate information XXXX XXXX XXXX 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 I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TRANSUNION XXXX XXXX reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

i have tried multiple times to ask for verification of debt on this account which should of been removed from my credit report. because it should of pass the statue of limitation. 
I haven't heard back from this company.
Product: Credit reporting or other personal consumer reports

Information reported on credit report differ across credit reporting agencies. This does not reflect accurate information. According to FCRA 15 USC 1681, the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfil its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provide evidence to furnishing, accepting, unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts. As Experians inaction violates federal law and my rights as a consumer.