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

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Closed Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I got charged a random XXXX XXXX fee from Chase for XXXX on the date of XX/XX/2023, However I never requested such a service but despite how many times i called them and wasted more than 2 hours on the phone and even called their executive office still nothing can be done
Product: Credit reporting or other personal consumer reports

I received a phone call from XXXX XXXX XXXX XXXX in XXXX stated that I owed a medical debt. I requested the company send me an itemized stated as I wasnt sure what the bill was and never received a bill. I never received any documentation from this company. On XX/XX/XXXX XXXX XXXX XXXX XXXX added a negative tradeline to my credit report stated they were collecting for a medical debt from XXXX XXXX XXXX from XX/XX/XXXX. This information is completely inaccurate and shouldnt be reported due to the companies failure to send any documentation. XXXX XXXX XXXX XXXX is also attempting to make this accused debt affect my credit more by falsifying dates as I havent been a patient at XXXX XXXX XXXX since XX/XX/XXXX. I disputed the collection with Experian and within 12 hours experian stated the collection agency had confirmed the account. There is no way an actual investigation occurred in less than 12 hours.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Complaint : 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 , Equifax creidt reporting agency as well as XXXX credit reporting agency block information appearing on my consumer credit report that is the result of identity theft, a databreach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened At : ACCOUNTS : XXXX XXXX account number : XXXX, opened on XX/XX/XXXX. This accounts has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question HERE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year>XXXX   Name : XXXX XXXX XXXX Dear Experian, XXXX, and XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any tra

nsaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by
name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

The following inquiries and accounts are unauthorized or inaccurate, and I ask that you delete them at once... 

NOTE ... Inquires and accounts please delete ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't recognize these lenders and I don't remember authorizing them to perform a hard inquiry nor did I authorize any new accounts o

n my credit report Act, I demand that these items be investigated and removed from my report Please remove any information that the creditor can not verify and show permissible use **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 an account without my written instructions *15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other
adverse item of information, other than records of convictions of crimes which antedates.

the report by more than seven years. 

**15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( 1 ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific Information is instead inaccurate .....

NOTE ... FTC REPORT ATTACHED...

Thank you for your time and help in this matter.

Sincerely. 
XXXX XXXX XXXX NOTE : VALID FTC REPORT ATTACHED, social security card an drivers license
Product: Debt collection

A collection company sent a letter stating that I owe {$900.00} for a cell phone from XXXX XXXX XXXX. The collection company is First National Collection Bureau , Inc. located at XXXX XXXX XXXX, XXXX, XXXX XXXX but the return address is a PO Box , XXXX XXXX, in XXXX XXXX. I have never had a XXXX account and I have been with the same company for almost 21 years now. Also, the address I live at is a home, and they added an apartment #. I think this is a scam, and I worry about older people being taken advantage of or other people falling for this. 
Letter states : This is to advise you that your delinquent account has been assigned to our office for collection by the above mentioned current creditor. ( XXXX XXXX XXXX ) Unless you notify this office within 30 day after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days after receiving this notice that you dispute the validity of this debt or any portion of it, this office will obtain verification of the debt or obtain a copy of the judgment and mail you a copy of such judgment or verification. If you request of this office is writing within 30 days after receiving this notice this officeXXXX will provide you with the name and address of the original creditor, if different from the current creditor. In order to aid your financial situation, as may be necessary, we could set up your account on a monthly payment plan. we would like to extend the following discounted offer : 80 % discount payable in XXXX payments of {$90.00}. Each payment within 30 days of the previous payment. We are not obligated to renew this offer. For your convenience you may pay via a check over the phone or credit card. You have our work that your account executive will treat you fairly and with respect. Sincerely, First national collection Bureau , Inc. *then further down on the letter at the bottom. The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX XXXX will not sue you for it, and XXXX XXXX XXXX will not report it to any credit reporting agency.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts and information to my credit repo. These inaccuracies have been detrimental to my life and credit health
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed out dispute to Equifax, XXXX and XXXX about my name being incorrect on my report and wrong mailing addresses on my account more than 30 days ago. I included my License, Social Security and even a recent bill for verification.
Product: Payday loan, title loan, personal loan, or advance loan

I paid off Ally Bank in full to XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX in full for account number XXXX XXXX XXXX XXXX. In the amount of XXXX paid on XX/XX/XXXX online. I received the loan through XXXX XXXX XXXX XXXXXXXX XXXX XXXX located in XXXXXXXX Tx XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ally sent me my first invoice on XX/XX/XXXX. My name was misspelled on the invoice. It was spelled XXXX XXXX. I mailed a certified letter XXXX XXXX XXXX XXXX XXXX XXXX asking Ally Lending to correct my name as it was misspelled on the invoice. I sent the letter to their New York address above as instructed by them on page 2 of the invoice. XXXX XXXX  notified me on XX/XX/XXXX, " the lender and owner of your Ally Lending loans ( s ) changed from Ally Bank to XXXX XXXX. '' " If you have other accounts with Ally Financial, those accounts will remain with Ally and will continue to be serviced by Ally. '' Located XXXX XXXX XXXX XXXX Tx, XXXX. I am confused because Ally nor XXXX have acknowledged my payment in full made online, it seems that they want to say that I owe both companies for the above amount. Would you please help me in getting a clarification of my true status with this transaction and these XXXX banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like my personal information to show on file.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report as provided under the Fair Credit Reporting Act ( FCRA ), specifically under the provisions of 15 USC 1681i. 

The disputed item ( s ) is/are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe this/these item

( s ) [ is/are ] inaccurate for the following reason ( s ) : I'm affected by the Equifax data breach. Pursuant to 15 USC 1681i ( a ) ( 1 ), you are required to investigate my dispute and verify the accuracy of the information within 30 days of receipt of this letter. Additionally, under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), if the
investigation does not result in the correction or deletion of the disputed information, you must provide me with a detailed description of the investigation process, including the contact information of the furnisher of the information.

Further, if the disputed information is found to be inaccurate or incomplete, I request that you promptly delete or correct it, as required by 15 USC 1681i ( a ) ( 5 ) ( B ), and send me a corrected credit report reflecting these changes.

To assist with your investigation, I have attached the following documentation : Please confirm receipt of this dispute and inform me of the results of your investigation in writing within the time frame required by law.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently paid off a collections debt and was looking to have it completely removed so it doesn't reflect on my credit score. 

I attached a screenshot of the paid collection. 

Thank You.
Product: Debt collection

This company never issued any debt validation letter like I requested well over a month ago they placed this collection account on my credit illegally Which is a violation of my rights as a consumer. This needs to be corrected Im disputing the debt and any validity regarding it Id like an itemized bill with a breakdown of said debt owed this needs to be removed from my report as this is a direct violation of my rights failure to notify me Im requesting it to be removed and any tradlines affiliated with it this is fraud
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit reporting act XXXX Account # 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 Section2 it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. Also my account was closed, for over drafting and some of the transactions was fraudulent transactions.
Product: Payday loan, title loan, or personal loan

We have retained an attorney for bankruptcy filing and advised Tower Loan and have also requested them to not contact us any longer. They were also advised to make contact directly with my attorney. They have continued to contact XXXX at her place of employment even after being advised not to call her at work. My attorney sent a letter advising of representation and for all contact to go through their office, yet they refuse to speak to my attorney and continue to call me daily. Their attorney, XXXX XXXX XXXX, sent a letter back stating they have not contacted me or XXXX since XX/XX/2019, but that is incorrect and continue to contact me and her at work and I have recorded phone calls to prove they are still calling me.
Product: Mortgage

I received a letter from LoanCare saying that my escrow account is short, but it should not be. 
LoanCare issued a disbursement of {$1400.00} to XXXX XXXX on XX/XX/XXXX to pay my property insurance. 
Since the bill was actually due in XX/XX/XXXX the policy had already lapsed and XXXX XXXX refunded the money to me. 
While waiting for the check to be refunded I spoke with LoanCare and was advised I needed to purchase insurance immediately. 
Due to the lapse in coverage my insurance score was too low to purchase a reasonably priced policy from the marketplace and I had to purchase one from XXXX XXXX XXXXXXXX. ( XXXX XXXX would not insure me ). 
I purchased the policy from XXXX XXXX XXXX upfront myself on XX/XX/XXXX. 
I did the application online and purchased the policy after speaking with XXXX XXXX on XX/XX/XXXX. The payment posted to my account XX/XX/XXXX. 
Contrary to what LoanCare states in their letter to me, XXXX XXXXXXXX XXXX did not receive a disbursement from LoanCare because the policy was paid upfront by me. XXXX XXXX has not billed LoanCare. 
The lapse in my insurance coverage was due to LoanCare not disbursing funds in a timely manner. LoanCare blamed XXXX XXXX for not billing them and XXXX XXXX blamed LoanCare because on a phone call from XX/XX/XXXX they told LoanCare the bill was due. 
I reported this incident to the PA XXXX XXXX. 
After investigation XXXX XXXX adjusted my cancellation date from XX/XX/XXXX to XX/XX/XXXX leaving me with a {$340.00} balance due to them. 
In total, the amount that LoanCare disbursed for my property insurance was {$1400.00}. I paid {$570.00} to XXXX XXXXXXXX XXXX for a new policy, and {$340.00} to XXXX XXXX for the final payment on my canceled policy. I have {$520.00} left of the disbursement. 
LoanCare is now stating that due to the insurance disbursement there is a shortage in my escrow account and my tax payment will be late. However, the money in escrow that is allocated for insurance has nothing to do with the money allocated for taxes. Additionally, they did not pay anything to the XXXX XXXX policy so the money disbursed was the typical insurance payment, nothing further. 
LoanCare is also asking that I pay for the lapse in coverage. When they are the ones who let the policy cancel. 
With XXXX XXXX adjusting the cancellation date to XX/XX/XXXX, LoanCare needs to do the same.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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.

and according to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX, XXXX, XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, CO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, CO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, CO XXXX XX/XX/XXXX ; XXXX XXXX XXXX, XXXX, CO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX, CO XXXX ; XXXX XXXX XXXX  Balance : {$990.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXXdischarged Date Filed : XX/XX/XXXX Case # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.