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

I have not open no account with this company and they have not give no money or no product but they keep calling me and now on my credit report I have not done bussiness with them at all and my name is XXXX XXXX they have the wrong name on this as well this is the name of the company XXXX XXXX Account owner Individual Account Date reported XX/XX/year> Account status XXXX XXXX XXXX XXXX XXXX amount owed {$2400.00} Original creditor XXXX XXXX  XXXX XXXX Date assigned XX/XX/year> Agency XXXX XXXX Status date XX/XX/year> Delinquency Date of last payment Balance owed {$2700.00} Comments Consumer Disputes This Account Information Consumer Disputes Reinvestigation In Progress Balance date XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft.I do not recognize these accounts and have never incurred a debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine
Product: Debt collection

I received a letter in the mail today, XX/XX/XXXX, saying I owe {$3600.00} to XXXX XXXX XXXXXXXX XXXX for an unpaid lease from Fair Collections and Outsourcing. I have never lived at this address/ neighborhood, nor do I even know what or where it is. This debt is being falsely accredited to me and must be removed effective immediately. I DO NOT OWE A DEBT TO ANYBODY OR ANY COMPANY. If this debt is not stricken and removed from my name effective immediately, I will be pursuing legal recourse against this company for fraudulent activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2015 an account was open to cfraudulently. with a balance of {$1500.00} I have made attempts to contact them of this matter to only be referred to a collection agency XXXX XXXX in which they have sold the account to followed by ( writing off as a bad debt ) i notified XXXX XXXX  and XXXX XXXX XXXX XXXX that this is not my account. this collection harmfully effects my credit score. the account number where this debt can be found for XXXX XXXX  is XXXX account number with XXXX XXXX XXXX XXXX Unknown. a letter was sent to both companies followed by the police report attached for Deceptive practice
Product: Mortgage

Hello, My Name is XXXX XXXX. I am a XXXX XXXX Veteran and a XXXX Employee and I need your help. <P/>
There is a 2nd Trust Deed that should have been expunged or otherwise eliminated from my Property Lien history a long time ago. It shoes up on my Preliminary Title Report ( Attached ) and is complicating things for me to be able to get a new refinance loan. <P/>It was originally with XXXX XXXX XXXX/XXXX XXXX XXXX and later there was an assignment of the Deed of Trust to E*Trade Bank . I have attached all the documents that I believe you will need. I need to have this permanently deleted from my records and I need either a full reconveyance of the Deed of Trust in question or some other kind of evidence in writing that this matter is behind me so it does n't persist in the future where my property records are concerned. Our refinance lender has done a great job of helping us and referred us to you for help clearing this up. <P/>Thank you, XXXX XXXX ( XXXX ) XXXX XXXX
Product: Credit reporting or other personal consumer reports

ON EQUIFAX I HAVE 2 CREDIT INQUIRIES, AND ON XXXX I HAVE 4 INQUIRIES THAT I DO NOT RECOGNIZE. I TOLD THEM ABOUT THE INFORMATION ON MY CREDIT REPORT SUCH AS MY ADDRESS IS NOT CORRECT SO IT IS INVALID. I ALSO REACHED OUT TO THE COMPANIES AND THEY TOLD ME THAT THEY DO NOT HAVE THE RESOURCES TO HELP ME. 

PLEASE CONTACT THE FOLLOWING COMPANIES ON MY BEHALF OR XXXXXXXX/EQUIFAX PLEASE XXXX 
- EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$25000.00}, {$9500.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$32000.00}, {$20000.00}, {$400.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

9. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account. 

10. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Vehicle loan or lease

My Insurance payed most of the loan off and gap insurance payed the remaining balance Ally Financial has been an unprofessional company and their customer service receptionist are very rude and unprofessional this claim has been prolong too long and they have received checks to pay off the vehicle its affecting my credit and me chances of getting approved for another vehicle i will like this problem to be resolved I recommend no one to deal with ally aleast you want deal with unprofessional company that dont tell information correctly and prolong situautions for a long time and dont care how it affects the customer
Product: Student loan

I was not aware of the number of loans being taken out. I was not aware what it meant to not be an accredited school. The school changed it's name 3 times before I graduated. Turns out I did have about 4 different loans and each one wants payments. I have deferred I am unemployed. I am now in default because I am not sure where all of my loans are. I tried to consolidate at one point but because so many different loans was not able to. I need student loan forgiveness. Now I just had my complete income tax refund offset to a collection agencies for one of the lenders or more.
Product: Checking or savings account

I have an account with Robinhood and have had one for some time. I lost access to the email and phone number attached to the account and contacted robinhood via their website, app and email. 

I requested help over 5x via their app and they said I would get a call back within 30 minutes which never came. They also stated over email that they could help me regain access to my account and asked for my call back number but never called me back. 

Now they have stopped responding to my emails altogether. The last time I heard from Robinhood support was over two weeks ago via email since there is no other way to get in contact with them. 

They have no support number I can call, and have stopped responding to my emails altogether. Please help me as all I want to do is to regain access to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a final payment 2021 to fortiva. They are still reporting to the credit bureau that the account is delinquent/derogatory. I have sent letters but nothing has changed nor a response.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this with experian for over 6 months now. They are inaccurately reporting accounts on my credit report. They refuse to remove it. they are reporting charged off accts with a balance showing and that is not correct according to the fair credit act. a charge off cant show a balance and they must remove it. 
They cant sell a debt to a collection company and then show it as a balance when it was charged off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXXOpploans is reporting an account on my consumer reports and they have yet to verify and validate the debt. I submitted a request for them to send me an authenticated record of the account pursuant to Uniform Commercial Code Article 9-210 which states that the recipient must respond to the request within 14 days. It has been over 30 days and I have not received a response. I have requested that the Generally Accepted Accounting Principals ( GAAP ) bookkeeping entries that proves creditor has suffered a loss, a copy of the 1099-c that was filed for the account, the truth in lending disclosures, and the right to opt out disclosures. I have also requested that they cease all communication both directly and indirectly which includes consumer reporting. This is a huge violation of my right to financial privacy of my nonpublic information. Please see attached.
Product: Student loan

I have been receiving multiple calls throughout the day and night in regards to payment for my loan. I have attempted to set up auto payment on at least 2 different occasions, and each time was told that something didnt go through and was not able to process the payment. I have asked repeatedly to have certain phone numbers taken off of the account due to the contact being deceased, and they still continue to contact that number. I have given the company proof on multiple occasions that the contact is deceased and they have not placed that in my account. I have multiple voicemails stating that it is there last time reaching out, but I still continue to get more calls. When picking up the nighttime calls, no one says anything and they hang up.
Product: Credit reporting or other personal consumer reports

I don't even know how many times I have disputed items with Experian. This has been over the last 3-4 months. Every damn time it comes back verified with out explanation. I hav disputed multiple accounts that I know are inaccurate and they refuse to do thier job. I seen there was a lawsuit recently about thier shady ways of : verifying " information and I have had enough. I have even threatened with lawsuits in the court house in my county.
Product: Debt collection

Fair Collections & Outsourcing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX Original Amount Owed : {$1000.00} Date Assigned : XX/XX/2023 Status Date : XX/XX/2023 Status : UNPAID I am writing to formally dispute the validity of the debt associated with Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which you are attempting to collect on behalf of XXXX XXXX. According to your records, the original amount owed is {$1000.00}. I want to clarify that this collection account is not mine, and I request its immediate removal from my credit report and any further collection attempts. 

My dispute is based on the following grounds : 1. **Identity Theft Concern** : I have never had any financial dealings with XXXX XXXX or incurred this debt. Therefore, I believe that this account may be the result of identity theft or a reporting error. 

2. **Consumer Disputes** : As indicated in the account comments, it is stated that " CONSUMER DISPUTES THIS ACCOUNT INFORMATION. '' This demonstrates that there is an ongoing dispute regarding the accuracy of this debt. 

3. **Laws and Rights** : Under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable consumer protection laws, I have the right to dispute the validity of a debt and request verification. I am also entitled to ensure that any inaccurate or unverifiable information is removed from my credit report.
Product: Credit card

My vehicle was stolen with my wallet in it. Containing my drivers license and social security card. As a result of this a identity thief open multiple credit accounts in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX has violeted 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Second request : I submitted a request for collection agency Optimum Outcomes, who says the are collection on XXXX XXXX XXXX. I looked up XXXX XXXX XXXX it shows the location for XXXX XXXX. I contacted XXXX XXXX spoke to regular billing and Physician billing and they are not aware of this company. I asked the Physician billing to look for this amount for {$220.00}. The representative could n't locate it and again gave me collection agencies they used and said Optimum Outcomes is not one. I am asking again this account be removed from all 3 credit bureaus. Also I signed a HIPPA and this account should have never been sent to collection, when I was never contacted about this account nor balance. This is hurting my credit score and I would like this removed.
Product: Debt collection

This debt is not mines also i will file a police report because my information is being sold and share without my authorization
Product: Credit reporting or other personal consumer reports

I had disputed XXXX XXXX XXXX XXXX account # XXXX through Equifax, XXXX, and XXXX. They reported it came back as verified. XXXX XXXX  XXXX sent a letter of Dispute on XX/XX/year> for account # XXXX received a letter from XXXX XXXX XXXX dated XX/XX/year> asking for a payment when they had not even validated/verified account. I sent XXXX  XXXX XXXX XXXX a certified letter on XX/XX/year> asking for verification/validation for account # XXXX. XXXX XXXX  XXXX XXXX picked up the letter XX/XX/XXXX at XXXX XXXX 
Delivered DATE TIME LOCATION STATUS XX/XX/XXXX XXXX XXXX XXXX, WA, United States Delivered, individual picked up at postal facility I have not received anything from XXXX XXXX XXXX to validate/verify this account I want this account deleted. 

The letter I sent asked for the following information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. 
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Product: Debt collection

This company has not sent me any verifying information on this alleged debt. I had requested the Generally Accepted Accounting Principals ( GAAP ) bookkeeping entries that proves creditor has suffered a loss, a copy of the 1099c that was filed when they charged off the account, the truth in lending disclosures, the opt out disclosures and much more. To date they haven't even given me the truth in lending disclosures to verify this alleged debt. Thus proving that they are in violation of both the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
Product: Vehicle loan or lease

There was a lawsuit not long ago a clas action lawsuit against ally illegally repossession and they had a settlement agreement thay ally no longer will seek remain balance and deficiency and whatever fee and won't impose late charges and whatever hidden fee they can use and abusive us as a regular consumer and they are well known of those tactics practice and yet my account repo and wete told they will auction and will add all the other fee to u and expense whatever that get thru the car to auction and whatever remain balance on top thay why I was going thru many trouble in order to redeem the car back but if they had a settlement agreement to never seek any portion of the car remain balance and whatever fee on top they vlildate that agreement and use that practice on me that fraud and add many on extra fee and hidden fee on top of our loan that wouldn't allow in the first place giving false and they have many lawsuit of abuse tactics yet they still using on regular consumer like us while they know all the in and out to take advantage abuse thr loan and higher interests discrimination for consumer to receive fair equal opportunity
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 finding indicates 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Account Name : XXXX XXXXXXXX XXXX  Account XXXX This account is an identity theft and was opened without my authorization. 

Please deleted this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 
Section 1681i Obligations of credit reporting agencies : Dispute Investigation : When a consumer disputes the accuracy of the information contained in his or her credit report, this section establishes the credit reporting agencies ' obligation to conduct a full and fair investigation or reinvestigation. 

Notification or removal of incorrect information : If during the investigation it is found that the information is inaccurate or can not be verified, the agency must correct or remove the incorrect information in the credit report.
Product: Debt collection

METRO PUBLIC COMM SVCS has been littering my credit report with fraudulent claims of owing a debt. I 've instructed them I was the victim of identity theft & they continue to report unverified/unvalidated accounts or claim these are new accounts, reaging are violations of the FDCPA & FCRA. I would like all references of METRO PUBLIC COMM SVCS removed from all my credit reports ( yes plural ) immediately. I 'm attaching the police report again. If these accounts are not removed STAT i will be seeking legal representation for violations of the FDCPA & FCRA and seeking damages for intentional infliction of emotional & financial stress ...