23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX ( Incorrect account please validate ) And delete XXXX XXXX  late payment XXXX XXXX XXXX XXXX ( Incorrectly reported please delete ) XXXX  XXXX late payment XX/XX/XXXX incorrectly reported. ( Account no longer open please delete ) Account has been removed from XXXX XXXX  remove from all other credit reporting XXXX late payment XX/XX/XXXX accountclosed late payment inaccurate has been removed from ( XXXX XXXX ) Please remove from all other credit reporting XXXX XXXX account was fraudulently charged/ ( The accounts has also been charged off ) please delete XXXX Late payment incorrect reporting account is paid as agreed please update and And correct XXXX XXXX ( account was charged fraudulently identity theft ) please delete. 

XXXX XXXX XXXX XXXX ( Account was fraudulently charged due to identity theft please remove and delete ) XXXX XXXX  ( account was fraudulently charged due to Identity theft. Account also is a third party and not validated ) please remove and delete XXXX XXXX XXXX Consumer has agreement with XXXX XXXX XXXX  To extend the payment due date XXXX XXXX XXXX XXXX XXXX late payment is invalid please correct.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these any items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a response to the claim XXXX XXXXXXXX Experian, XXXX and XXXX has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPB that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services.Constructive Fraud has been committed on my consumer report, which violates the FCRA & FDCPA. Online Information Services is using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C.1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required : * Purchase Agreement * Evidence that you are a licensed debt collector *Chain of Title *Proof that you are license debt collector to collect in my state. * A requested copy of your XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210.This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Experian responded stating that XXXX XXXX is not reporting which it is just in a closed status which means they failed to comply with the FCRA under 15 USC 1681e ( b ) ensuring maximum possible accuracy when preparing my consumer report causing damage to my financial reputation because XXXX XXXX was reporting under the Name Department of Education which they now have transferred my nonpublic Information the their parent company XXXX who is now committing the same violations. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have these trade lines deleted from my consumer report.
Product: Debt collection

I am yet again notifying COMENITY BANK that I dispute this alleged debt. Comenity has refused to respond to my request for verification/validation. Please not my notice of dispute is enclosed for 2 accounts on my consumer report listed below. I am a federally protected consumer and my rights are being violated. 

COMENITY BANK/ VICTORIA ACCOUNT # XXXX COMENITYCB/XXXX ACCOUNT #. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 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 1 681 section 602 A. States I have the right to privacy. 
XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX  ( Miscellaneous ) XXXX XXXX XXXX XXXX XXXX XXXX ( Bank XXXX XXXX XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone know my last digit social society number I got a mail in where someone try to put something in my name I have call these company and let them know I have not place no order. I don't know if this person got a credit card in my name the ending of the card is XXXX I don't know who the credit card that is. I have seen on my credit report look like someone try to get a loan I have not apply for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested multiple times that this company provide proof of my authorization to inquire on my credit. I do not recall applying for credit with Chase Auto Finance. I did not authorize anyone employed by this company to make an inquiry and view my credit report. They have violated the Fair Credit Reporting Act Section 1681b ( c ). They are not legally entitled to make the inquiry. From the FCRA 616 : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disturbed that XXXX, XXXX and Equifax continue to list the dismissed bankruptcy as confirmed within my credit files. Although it is your policy to keep reporting bankruptcies that are filed, dismissed, or adjudicated for XXXX years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 
Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I was denied a credit card for amazon.com visa signature card. The reasons given were that I do not have a credit history and insufficient balance in deposit. I checked my credit report with XXXX, the agency used to look at my credit. 

The report from XXXX has no information on me, despite two other agency 's having information on me ( XXXX, for example ). When I attempted to file a dispute with the report, I was sent back and forth on the website and was unable to correct anything. 

My name is on my parents line of credit ( Chase ), which is the same bank that amazon.com does their banking. This information was not sent to XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute and Urgent Request for Validation of Accounts Dear Sir/Madam, I am writing to formally dispute the validation of several accounts listed on my credit report by XXXX XXXX XXXX and XXXX XXXX. Upon reviewing my credit report, I have identified discrepancies and inaccuracies in the reported accounts, compelling me to seek your intervention and request thorough validation of these accounts. 

Account Information : XXXX XXXX XXXX Account Number : XXXX Recent Balance : {$2300.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Collection Account. {$2300.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Account Number : XXXX Recent Balance : {$1400.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Collection Account. {$1400.00} past due as of XX/XX/XXXX. 

XXXX XXXX Account Number : XXXX Recent Balance : {$660.00} as of XX/XX/XXXXXXXX  Date Opened : XX/XX/XXXX Status : Collection Account. {$660.00} past due as of XX/XX/XXXX. 

I dispute the validity of these accounts based on the following grounds : Lack of Proper Validation : Despite my previous dispute attempts, the accounts in question have not been adequately validated by the reporting agencies. I request comprehensive validation of these accounts, including but not limited to verification of the account numbers provided. 

Unclear Documentation : The documentation provided thus far regarding these accounts has been insufficient and vague. I request clear and detailed documentation that unequivocally proves the validity of these accounts, including account statements, agreements, and transaction history. 

Discrepancies in Reporting : The reported account information contains discrepancies and inconsistencies that cast doubt on the accuracy and legitimacy of these accounts. I request clarification and validation of all reported details, including account numbers, balances, and dates opened. 

I demand an immediate and thorough validation process to ensure the accuracy and integrity of my credit report. Failure to provide adequate validation will result in the removal of these accounts from my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. 

I expect written confirmation of the validation process and a detailed report of the findings. Your prompt attention to this matter is crucial, and I appreciate your cooperation in resolving this dispute swiftly and fairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, especially considering the recent CFPB lawsuit that highlights significant issues with the platform. Despite numerous attempts to resolve discrepancies using Zelle, my financial institution and Zelle failed to adequately investigate my claims.

I was informed that recovering lost funds was impossible and tracking these transactions was deemed unfeasible. The CFPBs findings suggest that Zelle not only fails to protect consumers but also enables repeat offenders to exploit the system, leaving users vulnerable to scams. 

This lack of accountability and transparency is unacceptable and raises critical concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Hard Inquiry ONEMAIN ( Dated XX/XX/year> ) Details : I am filing a complaint regarding an unauthorized hard inquiry on my credit report attributed to ONEMAIN, dated XX/XX/year>. I did not authorize or initiate this inquiry, and its presence on my credit report violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which mandates that consumer credit reports can only be accessed for permissible purposes or with explicit authorization.

Under the FCRA, hard inquiries are only allowed when : The consumer has applied for credit.

The consumer has authorized the inquiry in writing.

The requestor has a legally permissible purpose.

I have no relationship with ONEMAIN, have not applied for credit with them, and did not authorize this inquiry. Therefore, I am requesting the following : Immediate Removal : Removal of the unauthorized inquiry by ONEMAIN from my credit report.

Proof of Authorization : Documentation demonstrating my authorization for this inquiry. If such documentation does not exist, the inquiry must be removed promptly. 
I have previously provided supporting documentation to the credit reporting agency to assist with the investigation and expect a response within the legally mandated 30 days. 

Thank you for addressing this issue promptly.
Product: Credit card

I applied online for a line of credit. Navy Federal Credit Union immediately denied an extension of my credit. 
This is XXXX violations of ECOA / Regulation B, by denying me and further discouraging me from applying for an extension of my credit. '
Product: Debt collection

On XX/XX/2020 I paid off a deby of {$110.00} to Access Credit Management in XXXX XXXX, Arkansas. They did not apply to the account but another account which is incorrect. I have disputed with the XXXX who verified the debt as accurate. This debt is continuing to negatively impact my credit.
Product: Student loan

I graduated from XXXX  school in 2008. I had to have my parents co-sign for my student loans because of my credit at the time. I have 7 personal loans, which were taken one at a time. In the past 3 years, Ive never missed a payment or paid late. In fact, I think that over the 10 year life of these loans, only one payment was ever late. That was because our bill pay got set up late. I took forbearance time after I had babies and was on unpaid maternity leave. At this moment, my credit score is XXXX, and I just bought a XXXX house BY MYSELF with XXXX XXXX. But Navient will not remove my co-signers, despite 10 years of payment history. They have determined that my credit is unsatisfactory. The other thing they said was that my debt was too high. Part of the debt is theirs and other student loans ... XXXX  school wasnt cheap. Come on. But find me ANY late payment on my credit. There are NONE. 

In essence, despite 10 years of excellent payment history, they are holding my parents XXXX. I need help getting my parents released from my debt. There is no actual reason to have co-signers on a loan for a XXXX year old who is making payments on time, is gainfully employment ( I have them documentation of employment ), and has been for years.
Product: Credit reporting or other personal consumer reports

I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE ACCOUNT IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im attaching an FTC report here containing XXXX fraudulent accounts. Note I have also selected the option to report XXXX fraudulent inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023 I was reported by my mortgage as being 30 days late on my monthly. Payment which incorrect. I contacted the the company and reported this inaccuracy and was unsuccessful in this being corrected. I've been paying on this mortgage for 51 months never late that in itself should speak volumes to my character. I have great credit and this has impacted in a negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is not the problem XXXXExperian is the issue** I contact XXXX  an explain I caught XXXX XX/XX/XXXX went back for check up and was admitted in the hospital due to problem with my XXXX and extremally XXXX XXXX XXXX. I was in the hospital for XXXX  days. They said no problem I need to contact the credit bureau which I did on XX/XX/XXXX to dispute XXXX XXXX day delq. on my credit report report # XXXX got an update on XX/XX/XXXX nothing changed. Call Experian on XX/XX/XXXX to find out why it didn't update, the representative at EXPERIAN told me XXXX  stated it was not a valid reason, I need to contact XXXX. On XX/XX/XXXX I contact a manager at XXXX  who advise me EXPERIAN NEVER CONTACT THEM. WHY would EXPERIAN HAVE A REPRESENTATIVE LIE WHEN THEY NEVER CONTACT THE COMPANY OR DID A PROPER INVESTIGATION. AFTER EXPLAINING TO THE MANAGER SHE REVIEW MY ACCT NEVER 30DAYS  LATE IN FACT THIS IS MY 2ND LOAN WITHOUT A BAD PAY HISTORY. XXXX STATED THEY HAD NO PROBLEM REMOVING THE 30DAY DELQ BUT THE CREDIT BUREAUS HAVE TO DO IT. SHE WAS WILLING TO SEND ME A LETTER TO CONFIRM. WHICH THEY DID.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received an alert that there was an new credit account on my credit report for a company called XXXX XXXX in XXXX Wisconsin. I immediately put in a disputes with all 3 bureaus, had a freeze place on my credit reports and a XXXX alert placed on my credit reports and made a police report. I called XXXX XXXX about this account because I assumed it to be opened fraudulently upon speaking to XXXX XXXX and then a XXXX XXXX at XXXX XXXX I was told that the account did not belong to me that it belonged to another person with a similar name as mine this person also lives in another state. A state that I have no association with. After a 30 day investigation XXXX removed the item and address off my credit report stating that after their investigation it was found that the account did not belong to me. Yet XXXX and Transunion refuses to remove the account or address off my report stating that the account is being reported as mine from the creditor and is associated with my social security number which is not true. I contacted the company XXXX XXXX again on XX/XX/2023 and was told that the account was not mine and that they are not reporting the account as mine that it belongs to another person with a similar name as mine and that the XXXX and Transunion have made a mistake in there finding. I have been trying to get this taken care of for the last 3 months and both companies XXXX and transunion refuses to investigate this properly. If they did their investigation properly they would have found that I have never lived at or have any association with the address belonging to the account and that the company XXXX XXXX does not have me on file as having an account with them. These companies are refusing to investigate properly and will not remove the address or account that does not belong to me from my credit report.
Product: Bank account or service

I PURCHASED A {$20000.00} CD ) CERTIFICATE OF DEPOSIT FROM E-TRADE BANK, FOR A PERIOD OF 7 YEARS IN 2000 .THIS CD WAS A AUTOMATIC RENEWAL TYPE. I REQUESTED THAT THE INTEREST THAT IT ACCUMULATED BE SENT TO MY CREDIT UNION, AS IT ACCUMULATED. THIS CD HAS MATURED TWICE. I ATTEMPTED TO CASH IN THE CD AND THE E-TRADE CA N'T LOCATE THE CD AND DELAY IN GIVING ADJUSTMENT INFORMATION
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XXXX To : XXXX, XXXX, Experian, et al,. 

Credit Bureau Rep : It has come to my attention that there are errors and/or unauthorized records and non-public personal information on my credit report. 

Per the Privacy Act of 1974 : The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to XXXX of XXXX statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records, and sets forth various agency record-keeping requirements.

I have never authorized the following creditor to share my non-public personal information, nor was I given an opt-out notice every 30 days per : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 



Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX With Preduce, XXXX XXXX XXXX 
juris sui Attorney-in-Fact