23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have done everything by the book with disputing these accounts. Ive contacted the bank in regards to this matter. They claimed its been resolved. Ive contact the law enforcement agency and filed a report and affidavit. They claim they identity theft report is valid. And lastly, Im contact the credit reporting agencies. XXXX have removed the accounts per legal requirement. But for some weird reason Experian feels Im not following all the steps. 
DPT EDXXXX XXXX I know the consumer laws and the courts are very lenient with the banks and credit reporting agencies so filing a lawsuit is a waste of energy. Seeing Ive submitted my claim with Experian for over 6 months, Im at wits end. This is the 6th complaint Ive filed against them and every time I get the same ridiculous response. They make some absurd claim that the documents Ive submitted are not valid. Id like the CFPB to honestly look closely at this case because it seems this is a lack of their legal requirement to process the identity theft report. 
I have filed it with a law enforcement agency. Identitytheft.gov is a federal law enforcement agency. Id like to see this matter handled properly. All this grief of identity theft and not having any access to my credit is creating a ton of emotional and physical distress. Its cause a great deal of strain in my work and personal lives. I literally losing my mind because I have no other recourse
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT NAMES : 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX FL XXXX 3. XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX 4. XXXX XXXX XXXX XXXX GA XXXX 5. XXXX XXXX  XXXX XXXX XXXX GA XXXX 6. XXXX XXXX XXXX XXXX NC XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently pulled my reports and noticed you are reporting 2 different accounts on my XXXX, XXXX and Equifax for this account ( Dept of ED/XXXX  ). Because the account being reported by Equifax, XXXX and XXXX are different, this means the account has not been properly verified. 

XXXX Acct : XXXX XXXX and Equifax : XXXX Please delete this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX XXXX Date opened XX/XX/2015 Balance {$7900.00} and XXXX XXXX XXXX Date opened XX/XX/2015 Balance {$2300.00}.
Product: Credit reporting

Equifax has fail to send me my report with results that I have been disputing containing wrong information since XX/XX/2017.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXXXXXX Balance Owed : {$410000.00} XXXX XXXX Balance Owed : {$970.00} XXXX XXXX XXXX Balance Owed : {$390.00}
Product: Credit reporting or other personal consumer reports

Earlier this evening, I was alarmed to see unauthorized inquiries on my credit report, and I have no idea how they got there. As part of my usual routine, I checked my report, only to be confronted with discrepancies that took me by surprise. I tried refreshing the page, thinking it might be an error, but the inquiries persisted. Im asking that the documents Ive submitted be carefully checked so I can finally have peace of mind.
Product: Credit card

Recently, I, XXXX XXXX XXXX, was denied an extension of credit by American Express. On XX/XX/XXXX I applied for a platinum credit card and XX/XX/XXXX I applied for a Gold credit card with American Express. I got denied for both and I wanted to handle this affair with American Express promptly by sending a notarized letter on XX/XX/XXXX, and also trying to call Amex Investor Relations. I tracked the letter through USPS and noticed that American Express Investor Relations received my letter however I didn't receive a email nor a phone call. I gave American Express a security which they then turn into receivables which are now considered asset backed securities which guarantee payment for American Express. To prove what I'm stating it's on Amex prospectus on the third page shows a diagram of how Amex handles securities. With this being stated clearly I gave Amex something of value ( a security, my application ) which Amex then violates my right to credit.
Product: Credit reporting or other personal consumer reports

Lexis Nexis and XXXX XXXX XXXX are 3rd party consumer reporting agencies, that have been furnishing my information without my consent and according to 15 U.S Code 1681 section 602 states, ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartially, and respect for the consumers right to privacy. Based on the discovery I have made and under the Privacy Act of 1974 ( 5 U.S. Code 552a, Lexis Nexis and XXXX XXXX XXXX have both violated my consumer rights to privacy. There are over 20 pages with 50 banking transactions per page of my banking transaction history reported to XXXX XXXX XXXX that I surely did not authorize XXXX XXXX XXXX to have. As for Lexis Nexis, there are over 20 pages of very sensitive, private and detailed information about myself, in addition Lexis Nexis disclosed some of my family members information in my consumer report as well. That is a direct violation of my and my family members privacy, and I absolutely did not give Lexis Nexis authorization to that information.. This is a high invasion of my privacy, and I am the consumer and have the right to ensure my personal information is protected and not shared with anyone that I did not authorize to have, which is supported by 15 USC 6801 ( a ) Privacy Obligation Policy which reads It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Due to 15 U.S. Code 1681b - Permissible purposes of consumer reports Lexis Nexis and XXXX XXXX XXXX need my consent to have my information. Lexis Nexis and XXXX XXXX XXXX do not have my consent to furnish any information about me and they surely do not have my written consent. Per the FCRA and ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time, as a federally protected consumer, I am now opting out of all authorization I the consumer may have given you, written, unwritten, verbal and nonverbal per 15 U.S. Code 6802. Per 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked TRANSUNION numerous times to provide how they validated the alleged debt. I have asked XXXX to provide me the original contract with my wet signature on it and how they verified this alleged debt. 

I as the ORIGINAL CREDITOR DO NOT VAILD THIS DEBT AND I DEMAND THIS IS REMOVED FROM MY CREDIT REPORT. 

TRANSUNION IS VIOLATING MY RIGHTS BY NOT PROVIDING ME THIS INFORMATION. 


THIS IS XXXX XXXX XXXX YOU HAVE MY AUTHORIZATION TO INVESTIGATE CFPB, CAN YOU LOOK INTO THIS? 
I WILL ALSO REACH OUT TO THE FTC AND XXXX
Product: Debt collection

I paid {$290.00} on XX/XX/2022 in person at XXXX XXXX. I have made repeated phone calls to XXXX and Security Credit Systems, to have the debt removed from XXXX, XXXX and XXXX. It shows unpaid on all 3 reports and my score is severely decreased because of this.
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write to the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote to me before. If they don't write to me then how could they send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Product: Credit card or prepaid card

I paid off my credit card with Bank of America in full. I received the letter from them two months later saying I have a balance and interest that was late. I called bank of America and explained the situation to them they told me they will adjust my credit back to its normal, they gave me ref # XXXX, a week later I received a later from Bank of America stating that they are unable to approve my request regarding my credit report and removing the 60 day late in XX/XX/2018.
Product: Credit card or prepaid card

In XX/XX/XXXX I recieved notice of a severe decline in my credit score related to a XXXX late charge from XX/XX/XXXX on my XXXX Credit Card. I have never had a late payment and have been closely monitoring my credit. I never had a late payment. The XXXX  Website and phone payment system has been having issues for months. I have previously spoken to the company about this. And was advised to make in store payments. 
I called XXXX to question why this charge was on my account. I was transferred to XXXX different agents. The first said they agreed with me and there was no late payments on my account. 
I explained it was showing up on my XXXX report. They transfered me to a different person who said there has been errors in reporting and that some customers were just getting notifications from XXXX And that the company was working to " resolve '' and inaccuracies. I was transfered to another agent they thought could help me because I wanted this done sooner. 

The last perosn I spoke to at XXXX  told me they were unable to change anything with reporting that far back and to file a XXXX dispute XXXX 

I filed a dispute XX/XX/XXXX. This immediatelyt came back with notice that " Account information verified. '' There was clearly no time to do a porper investigation. 

They provided me a copy of a payment report which shows clearly that I was never charged a late fee for a late payment. And says " No data '' for months of XXXX to present. 

Again, I did not make a late payment. i worked hard to have a clean record of no late payments. And responsibly manage balances much higher than the XXXX $ late payment they claim I made. I did not make a late payment. Their system has significant errors. 

This innacurate reporting of my information caused my credit score to drop around XXXX points. Not ok.
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 U.S.C. 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1618 Section 602 A states that I have the rights to Privacy.

15 U.S.C. 1681 604 A states a Consumer Reporting Agency can not furnish an account without my written Instruction / consent.

15 U.S.C. 1681 ( 9 ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information other than Records of convictions of crimes which antedates the report by more than seven ( 7 ) 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, credit repair services, or other personal consumer reports

I have been constantly trying to get one closed item updated on all 3 credit reports.  Account XXXX XXXX XXXX XXXX shows that my account was Paid as a chargeoff in which account was not a Chargeoff. I even contacted XXXX XXXX XXXXXXXX XXXX  on XX/XX/XXXX and they also stated that it was not a chargeoff. They stated account was paid in full as of XX/XX/XXXX. On my credit report it shows as chargeoff with balance of {$540.00} being owed and that's not true. My payment history is not even showing on my report making it seem like I've never made any payments within the last 6 months before paying off account. XXXX XXXX XXXX also mailed me a copy of letter stating it was paid off in full. I will attached copy of letter for proof.
Product: Credit reporting or other personal consumer reports

I'm reaching out to report unauthorized and fraudulent inquiries on my credit report. I recently reviewed my report and noticed credit inquiries from companies I haven't engaged with, nor have I applied for any new credit or given consent for this check. This unexpected activity is very concerning, as I take my financial privacy seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

My previous complaint number was XXXX ( with current servicer XXXX XXXX ). however I was advised that I need to go back to XXXX  XXXX XXXX since my loan was transferred from them. I did receive the pay history and it does not match up and they still can not provide my payments from XX/XX/XXXX, to XX/XX/XXXX. I do not know what else to do to get this resolved. Please see the attached documents Loan Number : XXXX Original Lender : XXXX  XXXX XXXX : XXXX  XXXX XXXX XXXX XXXX  This complaint is against XXXX  XXXX XXXX XXXX XXXX a subsidiary of XXXX  XXXX XXXX XXXX for deceptive practices on my loan modification and mortgage payments. I was told by XXXX XXXX XXXX and The Consumer Protection Bureau to file a complaint against XXXX  XXXX XXXX. The series of events are as follows : 1 ) XXXX XXXX XXXX boarded my loan from XXXX  XXXX XXXX XXXX and can not account for payments from XXXX to XXXX. I am disputing an increased loan balance of over {$96000.00} and all the balloon payments. 





The loan modification I signed was out of desperation. This complaint falls under the same scrupulous investigation and determination by the US Department of Justice against XXXX  XXXX XXXX XXXX involving minorities and XXXX. XX/XX/XXXX, XXXX  XXXX XXXX settled the complaint by the US Department of Justice for {$16.00} XXXX dollars. I am requesting an investigation into my loan balance. I do not owe the balance reflected by XXXX XXXX XXXX.
Product: Credit card or prepaid card

I paid off a credit card with Chase. The closing bill date was XX/XX/XXXX and the total balance was {$780.00}. The due date was XX/XX/XXXX and I paid {$780.00} on XX/XX/XXXX. 

I believe is it reasonable for a consumer to think that if the balance shown on the bill statement was paid in full that this would bring the balance to XXXX. However, Chase tells me that they are entitled to additonal interest of {$11.00}. I asked Chase to reflect that the account is paid in full and they insist on extracting another {$11.00} from me. 

As a quick background : This is not an active credit card. The account was closed in XX/XX/XXXX by Chase. For nine years I have been trying to " XXXX out '' an account I no longer had use of. Due to the very high interest rate and Chase 's unwillingness to reduce so I could pay off the account they unilaterally terminated, it took nine years to finally get to the point where I could pay this off. After never missing a payment, which was virtually all interest, and amounted to many thousands of dollars not for goods or services, but merely interest to Chase, they have chosen to act predatorily until the very end. This is not a card I can ever use again. Once it is " XXXX out '', it will be a non-existent account with me having paid $ XXXX $ XXXX without having use of the account.
Product: Debt collection

I never received any documentation pertaing to the debt, the debt just popped up on my credit report. 
I never received documents pertaing to a judgment order, thru the courts. 
A thirty day notice of intent to vacate was given to property manger and signed by myself and proper manger on XX/XX/2022. 
The unit was vacated and all keys was turned over to the property manger XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Dispute my submissions, Experian consistently responds within 24 hours of stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a responsible investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025 -CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with the federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate. 
TD Bank {$11000.00} Account charged off. {$11.00}, XXXX written off. {$11.00}, XXXX past due as of XX/XX/XXXX. 

XXXX XXXX  {$35000.00} showing {$25000.00} payoff but reflecting negatively on account. 

XXXX XXXX Bank Account charged off. {$20.00}, XXXX written off. {$20.00}, XXXX past due as of XX/XX/XXXX. 

XXXX XXXX  Account charged off. {$47.00}, XXXX written off. {$47.00}, XXXX past due as of XX/XX/XXXX. 

XXXX XXXX Account charged off. {$39.00}, XXXX written off. Updated XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

False reporting on my credit, multiple doubles and inaccurate reporting.
Product: Money transfer, virtual currency, or money service

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

A man messaged me on XXXX trying to send me {$2000.00} through cashapp and the link he sent me requires a {$70.00} payment in order to accept the transaction which is not a cashapp authorized payment. It would just be me sending {$70.00} and never receiving the {$2000.00}. Ultimately resulting in a loss for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, the following information is reporting to my credit report is information that I have no relation to. Under FCRA 605B I am requesting that this information is removed from my credit profile with 4 business days of receipt of this information. I have contacted each creditor and they have failed to provide me with any wet signature contracts stating that I owe a debt or consented for them to run my credit report. The following information is fraudulent XXXX XXXX XXXX XXXX XXXX {$150.00}, XXXX XXXX XXXX # XXXX {$4900.00}, XXXX # XXXX {$280.00}, XXXX # XXXX {$1700.00}, US DEPT ED # XXXX {$1900.00}, US DEPT ED # XXXX {$320.00} Inquiries :