23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has erroneous/ false payment records they claim i was a customer of XXXX XXXX XXXX fromXX/XX/XXXX 
however the record only reflects XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to correct this numerous times with XXXX XXXX as well as clark county collections to no avail. I was looking closer at the paperwork clark county collection sent me per my request, and on top of it not being my account, it has being grossly re-aged to suite them. according to them I was in XXXX XXXX until XX/XX/XXXX, and I had an account with XXXX XXXX which I didn't, now they reaged the account to the time when they got ahold of it in XX/XX/2016 which is highly illegal. they feel like they can do what they wish with consumers and get away with it because they have the credit bureaus in their pocket. this is the last time I complain about this on here and seek an attorney if I have to. I need trans union to look into this correctly instead of just asking clark county collections if it is correct.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX ( Original Creditor : XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX ) XXXXHas violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

Purchased a vehicle from XXXX XXXX XXXX. I no longer have this vehicle due to the motor going out in the vehicle 5 months after purchasing. I never made a payment to ABC LOAN COMPANY all my payments were made to XXXX XXXX XXXX. According to my records, I believe that this loan has been incorrectly marked as open/active, and I would like to request a thorough review and correction if necessary.
Product: Money transfer, virtual currency, or money service

Im filling a complaint against cash app I have requested to stop payment on frauds account they never responded or refund my money
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On Sat, XX/XX/year>, I opened a new Checking account with Citibank. I did an initial funding from my XXXX Checking account and from that moment on I have no way to get ahold of my money. Citibank is holding {$2500.00} of my money hostage. I never received the Debit Card and their website keeps asking me for a debit card number ending in XXXX, which I don't have and never got, to " verify my identity ''. Without it, I can not set up external transfers to pay my bills or send the money back to my XXXX account. I can't even use XXXX. They are holding my money hostage. I keep calling their support, every department I can get ahold of, and they keep hanging up the phone because I can not verify with this debit card or a " security word '' which I never got or set up during the sign-up. They are refusing to verify my identity in any other way and keep hanging up the phone. They are even refusing to re-send this debit card to my address on file. This is a criminal behaviour and I don't understand how can a financial institution that operates like this have a banking license to bank in the U.S. Please help me get a hold of my money- {$2500.00} - that Citibank is unlawfully holding hostage. I can not go to the Citibank branch because there are no branches in Texas.
Product: Credit reporting

A month ago, I disputed the items on the following attachments off of my Early Warning Systems Report. I have not received any confirmation of receipt, no investigation results, or anything. I called them and they said that they have no record of my dispute. Attached is the final letter that I sent them today. I will be filing suit in court 30 days from todays date if these items are not removed from my report. Please see attached documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my free credit reports from XXXX and found a lot of things being reported wrong by the credit bureaus. Im shocked to see all the types of wrong information from wrong names, addresses to inaccurate accounts and inconsistent information on each report. This has to be fixed. Ive tried contacting the bureaus many time and have disputed these errors a lot. I sent dispute letters to the bureaus and alleged collectors you all report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

You all have all kind of errors on the report. Im going to list the issues out below for you to review and delete off my report because this is negatively affecting me and its not right. 
XXXX XXXX XXXX, there is no account number listed at all and no date of last payment ... This is not my account! The next issue, 2 wrong collection accounts reporting from XXXX is falsely being reported to my credit. These people havent sent me anything and they never replied to any of my requests to validate their claim that I owe them money. Or some kinda document w/ my signature showing I agreed to pay something to a healthcare provider with required HiPAA authorization. All of this is wrong. 
Another issue I found in you alls reporting is a XXXX  XXXX account that has NO account number whatsoever. The date of last payment says XX/XX/XXXX but the payment history shows the last payment was made in XXXX XXXX and the false 30-day late started XX/XX/XXXX. That dont make any sense to me and the bureaus keep reporting this false information. Please also take a look at the XXXX XXXX  account being wrongly reported to my credit with XXXX  and Equifax. On Equifax Again there is no account number at all. The date of last payment shows XX/XX/XXXX by the payment history shows no payments and no collection reporting from XX/XX/XXXX beyond, and the date of first delinquency equifax reporting is XX/XX/XXXX? How? And XXXX reports current on time payments through XXXX up until XX/XX/XXXX, but Equifax reports XXXX XXXX XXXX 120 day lates in XXXX and XXXX  from XX/XX/XXXX onward. Im looking directly at all of this inaccuracy on my own reports and its shocking! 
XXXX XXXX is another wrong account where Equifax reports XXXX XX/XX/XXXX and paid on time XX/XX/XXXX, then XXXX from XX/XX/XXXX onward but XXXX reports current on time payments XXXX - XX/XX/XXXX, then no data at all, then 30 30 60 60 60 90 day lates XXXX - XX/XX/XXXX, and No data XX/XX/XXXX - XX/XX/XXXX. And yall are reporting wrong late payments on the XXXX account. Equifax reports 60 60 60 90 days late 4 months in a row from XX/XX/XXXX to XX/XX/XXXX and XXXX reports 30 60 30 60 90 days late consecutively from XX/XX/XXXX to XX/XX/XXXX. These are wrong and dont match at all. 
Lets not forget my names and addresses are 100 % wrong. Im really frustrated and disappointed at all of this mess and want it fixed immediately.
Product: Credit card or prepaid card

I purchased a XXXX sewing machine on XXXX from a company named XXXX on XX/XX/XXXX using my debit card. I screen shot the order and the next day I received a message from PayPal saying that they wouldn '' t take the funds out until the item shipped and the company name that would show up on my bank account would be XXXX XXXX. First of all I didn't go through Paypal, i sent my info to the company directly. The company said i would receive the item in 3-5 days. When it came and went, I contacted Paypal and they started a dispute and said they would give them until XX/XX/XXXX to reply. Their reply was that the item was on its way. It was coming from XXXX after all and I wasn't aware of that. I finally received a package XX/XX/XXXX in my mailbox from XXXX and it was a pair of socks! There isn't any information on the package except from XXXX, no company name nor address. I contacted PayPal to tell them what I received and they denied my claim saying that I received something. This isn't acceptable on PayPal 's behalf because they advertise that if you are unsatisfied with anything they will refund your money. I also, contacted XXXX since this is where the advertising was at and they haven't replied to me at all.I just found out that 2 of my friends have also been scammed through PayPal and haven't received anything at all from their orders and PayPal isn't holding up to their policy. Another thing I just discovered is that the company I ordered from is advertising the same sewing machines on XXXX using different company names as we speak! Both XXXX and PayPal should be checked into for this!
Product: Credit reporting

I have called the company Jefferson Capital Systems and when I spoke to them on XXXX/XXXX/XXXX I spoke to XXXX women. I asked the first woman if the reporting could be deleted from my credit report and she advised me that it is the policy of Jefferson Capital Systems LLC to not delete their reporting for any consumer. I asked to speak to someone more senior and the representative told me she is XXXX. I was transferred to a second lady, whom was identified as a supervisor, and I asked if they could remove their reporting due to extenuating circumstances. The supervisor even specified that a " homeless mother of XXXX '' could not have the reporting from this company deleted on her report. I consider their reporting to be harmful to me. It is difficult to get a representative from this company. Often when I call, I will receive an automatic message after holding saying, " Sorry, at this time we can not accept your call. Please try again later. '' This company did not offer or allow me to dispute their reporting and denied my requests to delete their reporting. 
I paid an outstanding bill XX/XX/XXXX to Jefferson Capital Systems LLC to pay a debt being collected for the original owner of the debt XXXX XXXX from XX/XX/XXXX. The matter is closed and was reported paid to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Document Attached shows the account that should be reporting to my TransUnion credit report and also listed below. 


XXXX XXXX Account ending in XXXX
Product: Debt collection

There are some fraudulent collections on my credit that are not mine I spoke with the credit bureau and they told me I needed to file a complaint with you guys in order for them to be removed. One of the collections is from " XXXX XXXX XXXX '' for {$140.00} And the other collection is from " spring oaks capital LLC '' for the amount of {$730.00} dollars
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 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 findings indicate that zelle has not only neglected to protect its customers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scamming.
Product: Credit reporting or other personal consumer reports

TransUnion continues to report things that have been paid and were not even on that report system before and are now showing up. They have no interest in taking my facts and proof. I feel like they are attacking me personally because I have disputed them. How can I get this resolved? My credit score I have worked hard to raise as I am looking to buy home soon. They still have not settled last dispute. I was 26 days late on payment and they list it as 30 even with proof. The XXXX XXXX XXXX I paid off while back and it should not even be showing up and today XX/XX/year> it shows up? I really need to fix this and feel helpless at this point. PLEASE I am begging for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting accounts that are not mine
Product: Debt collection

Upon reviewing my credit report, I discovered a creditor listed that I do not recognize and have no record of having an account with. Specifically, I have never opened an account with First Fin Bank. In an effort to clarify this situation, I attempted to contact First Fin Bank by phone, reaching out to XXXX different branches ; however, none were able to locate my information using my Social Security number. Given that I have reached out to all three data breaches and including the headquarters main phone. it raises the possibility that my personal information may have been compromised. I want to emphasize that I have never held an account with First Fin Bank. Consequently, I have been advised to formally dispute this unfamiliar debt and to place a fraud alert on all my credit files to protect myself from potential identity theft. 

I would like to inform you that I was involved in XXXX distinct data breaches occurring in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was compromised during the XXXX XXXX XXXX. I attempted to have falsely reported information removed on XX/XX/year> by contacting the companies directly. XXXX XXXX XXXX ; XXXX XXXX XXXX, and XXXX XXXX XXXX  have yet to remove the data being reported to multiple CRA 's. I am a victim of identity theft and have yet to receive a written validation notice by any of the aforementioned companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPARTMENT OF EDXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF ED/XXXX XXXX XXXXXXXX / XXXX XXXX XXXX XXXX / XXXX / XXXX / XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. 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: Student loan

This student loan was taken out in XXXX XXXX with Navient. I am the co-signer for this loan, my son became XXXX in XXXX and have not been able to pay, so I'm doing the best I can! I'm XXXX and only get a limited amount each month. 
The part that bothers me the most is, the original loan was for {$23000.00} and 10 years later we still owe {$22000.00}. After caculating what we have paid on this loan so far totals {$20000.00}. My son paid religiously on this loan, then capitalized interest was added. See the list that was added .... In XX/XX/XXXX {$3300.00}, XXXX XXXX {$480.00}, XX/XX/XXXX {$490.00}, XX/XX/XXXX {$520.00}, XXXX XXXX {$360.00}, XX/XX/XXXX {$680.00}, XX/XX/XXXX {$140.00}, XXXX XXXX {$97.00}. PLUS the additional interest that was added each and every month. My son had a hard time finding a job after he graduated and the loan went into Forbearance twice, in XX/XX/XXXX and in XX/XX/XXXX, BUT during that time he did pay a discounted payment. 

As you can see, it's very frustrating to know that this loan has been paid on for 10 years, starting with a {$23000.00} loan and as of XX/XX/XXXX balance {$22000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX also known as XXXX acct # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions To whom it may concern : I request more explanation on said reported account. I have not received proof of ownership of this debt including signed agreements ect. I am proceeding under the Fair Credit Reporting Act law. I have the right to challenge I am not sure is accurate. Reporting things on my credit file I did not agree to have reported or have not heard of. 

Under 15 U.S.C Sec. 1681 I ( a ) you can not provide proof ( Proof being a signed agreement of the two parties to the debt ) then these accounts need to be deleted. That everything in that report must be 100 % correct or it should be deleted. please investigate the following account and remove them if proof is not obtained at a 100 % assurance of factual information.

15 U.S.C 1681 ( 3 ) E states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from the consumer. 



They also violated my rights numerous times. 



According to U.S.C 1681 section 602 A states as I have the right to privacy this has been violated many times by this agency by this account I request they delete and remove it.

According to 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. Please send proof of my written instructions or delete the account from the report. 



According to 15 U.S.C 1681 s-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. See the Also know as different names different accounts Cause for concern this account is not accurate and should be deleted and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account name- XXXX XXXX Account number- XXXX Account name- XXXXXXXX XXXX XXXXXXXX Account number- XXXX Account name- XXXX XXXX XXXX XXXX XXXX Account number- XXXX Account name- XXXX XXXX XXXX XXXX XXXX  Account number- XXXX Account name- XXXX XXXXXXXX XXXX Account number- XXXX Account name- XXXX XXXX XXXX Account number- XXXX Account name- XXXX XXXX XXXX Account number- XXXX Account name- XXXX XXXX XXXX  XXXX, has violated my rights. 

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

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

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( XXXX XXXX XXXXXXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 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 years.

15 USC 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

The unverified accounts indicated below continue to report on my credit report in violation of federal law despite numerous written requests. The three credit bureaus never responded to the letter I wrote to them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) must be followed while validating these accounts. In the event that they do not verify these accounts, I will file a lawsuit against them. Please abide by the law in order to quickly address this situation. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$12000.00} ; XXXX XXXXXXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX XXXX XXXX {$2400.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX  : {$55000.00} ; XXXXXXXX XXXX XXXX XXXX : {$16000.00} ; XXXXXXXX XXXX XXXXXXXX XXXX  : {$5600.00} ; XXXXXXXX XXXX XXXXXXXX : {$6100.00}.