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

The credit reported as XXXX XXXX is falsifying my student loan debt that I have filed as forgiven numerous times and the company has called and sought the mis use of my student loans on numerous occasions in hopes of gaining money that is already settled. 
In addition, the companies XXXX XXXX, and Medical Data Systems INC. perpetuate credit use with XXXX hospital records by switching company names and deleting payments made. The companies were suggested by XXXX XXXX who received payments and proceeded to perpetuate my payments as well. XXXX XXXX was told to be the account holders of XXXX hospital to this date. I have paid these companies numerous times and nothing has been shown on my credit report and my account balances continue to exist regardless of my payments.
Product: Debt collection

A debt validation letter was sent out to collection agency, LJ Ross Associates ( account # : XXXX ) during the earlier part of XX/XX/2018. Collection agency promptly replied and validated that debt was paid in full to the original creditor ( see attached ).

However, said collection is still listed on my XXXX  credit report. A letter dated XX/XX/2018 was sent to XXXX  to contest the negative item.

Please assist in resolution of this matter. I appreciate the help! 

Thank you!
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 on consumer safety!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very thankful for your help to REMOVED the erroneous information in my credit file that came about because of a FRAUD yet there are some items that passed on that should be taken out. Per FCRA segment XXXX you are expected to delete any records recorded. I've proactively remembered this report for a past letter and I am including it once more.I 've been contacted my lawyer regarding this matter.. The following items needs to be removed : XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4500.00} ; 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX Balance : {$640.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$2900.00} 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 SC XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX Balance : {$640.00XXXX XXXX XXXXL ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance XXXX {$2900.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX Balance : {$640.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$100.00} 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

SYNCB/TJX COS DC has negatively reported me to the following Credit Reporting Agencies ( CRAs ) : - XXXX  - XXXX  - XXXX  I notified them several years ago that a XXXX XXXX working out of XXXX XXXX County, State of XXXX  has stolen my ID per Special Agent XXXX XXXX with the XXXX  

These criminals are sophisticated and have been filing false income tax returns on my Social Security.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous request for an investigation into the inaccuracies on my credit report, which I initially submitted in XX/XX/XXXX. As of today, I have not received any response from your office, and the incorrect information remains on my report, continuing to harm my credit. This lack of action is both concerning and unacceptable. 

For your reference, the inaccuracies I outlined in my original letter are as follows : - XXXX XXXX XXXX Balance Owed : {$1600.00} Date Opened : XX/XX/XXXX - XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX - XXXX XXXX XXXX Balance Owed : {$1400.00} Date Reported : XX/XX/XXXX - XXXX XXXX XXXX Balance Owed : {$1500.00} Date Opened : XX/XX/XXXX - XXXX XXXX Balance Owed : {$480.00} Date Opened : XX/XX/XXXX - XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX - XXXX XXXX Balance Owed : {$340.00} Date Opened : XX/XX/XXXX - XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX - XXXX XXXX Balance Owed : {$0.00} Date OpenedXXXX - Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$61.00} Date Opened : XX/XX/XXXX PLEASE REMOVE ALL THE INACCURATE ACCOUNTS MENTIONED ABOVE. 

I kindly request that this matter be promptly solved by EQUIFAX. 

As per the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate disputes within 30 days of receiving a formal request. More than [ number of days since the initial request ] days have passed, and I have yet to receive any resolution, confirmation of investigation, or update on this matter. The continued presence of this inaccurate information has severely impacted my creditworthiness and has caused denial of credit, increased interest rates, or emotional distress ''. This delay undermines the confidence I should have in the integrity and efficiency of the processes.
Product: Credit reporting 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. 
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, U.S. BANKRUPTCY COURT : # 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 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: Debt collection

Vance and Huffman , LLC, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Fax Numbers ( XXXX ) XXXX Fax Phone Numbers ( XXXX XXXX XXXXOther Phone ( XXXX ) XXXXXXXX XXXXXXXX XXXX XXXXXXXXXXXX They have been trying to collect on an auto loan that has been paid off. XXXXXXXX XXXX XXXX XXXXXXXX balance {$8900.00} date opened XX/XX/2021 for XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX
Product: Checking or savings account

Wells Fargo did nothing to stop the fraudulent activities committed to my account and in fact charged me fees and eventually shut my account down.. they refuse to provide any account info to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX  XXXX XXXX Balance : {$3000.00} XXXX XXXX  XXXX Balance : {$300.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX : {$280.00} XXXX XXXX XXXX XXXX : {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute to the incorrect items on my credit report and it has been well over XXXX days without any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX   XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX , XXXX XXXX,
Product: Credit reporting or other personal consumer reports

I have made several attempts in requesting help from Experian in regards to collection accounts on my credit report. The Creditors have not responded to my dispute letters and neither have Experian. Experian has failed to protect me as a consumer by not doing a proper investigation on my behalf and allowing these creditors to continue to report negative, inaccurate information that they have not proven to be legally mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I REAPEAT THAT THIS IS NOT A REQUEST FOR VILADATION AND THIS IS NOT THE SAME ISSUES RAISED IN PREVIOUS COMPLAINT. 1 ) Article 9 of the UCC under SECURED TRANSACTIONS does not cover assignments or rights of transfers for the sole purpose of collections. 2 ) There is no CONTRACTUAL OBLIGATION between I the consumer and US DEPT OF EDU Account # XXXX. 3 ) I as a consumer have the RIGHT TO PRIVACY pursuant to Title 15 USC 1681 ( a ) ( 4 ) - ACCURACY AND FAIRNESS OF CREDIT REPORTING, and the US DEPT OF EDU Account # XXXX, EXPERIAN, XXXX and XXXX VIOLATED MY PRIVACY. ALSO, US DEPT OF EDU Account # XXXX, VIOLATED 15 USC 1692c ( a ) -COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the EXPRESS PERMISSION OF A COURT OF COMPETENT JURISDICTION, a debt collector may not communicate with a consumer in connection with the collection of ANY DEBT, I as the consumer never gave PRIOR CONSENT to US DEPT OF EDU Account # XXXX ( BOTH ACCOUNTS ) TO COMMUNICATE WITH I THE CONSUMER NOR FURNISH ANY OF THESE FRAUDULENT ACCOUNTS ( XXXX - XXXX ) TO MY CONSUMER REPORT. I'm enforcing my rights and demanding US DEPT OF EDUCATION ACCOUNT # XXXX CEASE COMMUNICATION pursuant to title 15 USC 1692c ( c ). I demand BOTH accounts XXXX be deleted Immediately from all 3 consumer reporting agencies or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 USC 1681n and title 15 USC 1681o ) regarding the continued willful and negligent noncompliance.
Product: Debt collection

A debtor is attempting to sue me in a state I do not reside in or have I resided in over 25 years. The court they are attempting to use to sue me is out of jurisdiction. I live in XXXX XXXXXXXX XXXX. They are trying to sue me in XXXX XXXXXXXX XXXX 
I have only ever used my sisters mailing address in XXXX  due to having a XXXX. I don't want to know where I live. I have never resided with her or do I own any property or assets in XXXX. I never lived in XXXX XXXX I only ever lived in XXXX over 25 years ago. My sister told the process server that I do not reside there or have I ever. She told him i am not a XXXX  resident. She told him she will not be accepting service on my behalf he set it on the ground then walked off. He did not ask her name or identity her to even verify she was a relative. On the form served to her it says that the defendant was served. That is falsifying a court document as I don't live there or am I there. I was not served. I haven't even visited my sister in XXXX  in a couple of years. A court does not gain jurisdiction based off of a mailing address. I have no business in XXXX. Or do I ever intend to. I have not verified this is a legitimate debt just that it is illegally being filed for suit in a state I do not reside in and a county I have never resided in. XXXX XXXXXXXX XXXX does not have jurisdiction over XXXX XXXXXXXX XXXX. It is unethical and unlawful to attempt fo file a suit against me based off a mailing address alone. 

Credit corps solution IncXXXX, 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 or other personal consumer reports

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On three separate occasions the entry with XXXX XXXX XXXX was requested to be verified through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I received notification today XX/XX/year> that TransUnion updated this entry today with a status of " Dispute resolved reported by grantor ''. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through the physical verification of the original signed consumer contract otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

They have never provided this proof and continue to damage my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigation but how is that possible if the, DATE OPENED IS WRONG,, BALANCE IS WRONG, HIGH CREDIT IS WRONG, LAST REPORTED DATE IS WRONG, DATE LAST ACTIVE IS WRONG AND THE DATE OF LAST PAYMENT IS WRONG! 

This grounds for removal they also violated my rights under 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. 1681e Accuracy of report. 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. 1681n Section 616 ( a ) Civil liability for willful noncompliance In general. Any person who willfully fails 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 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, ( 3 ) 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.

617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 7 ) DESCRIPTION OF REINVESTIGATION PROCEDURE A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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
Product: Student loan

In college, as I entered into my third year of school, already committed to the program, I ran out of federal loans. I dont come from a family that planned for college for me, so loans was my only option. I have always wanted to teach and knew I needed to finish my degree to follow my passion. Sallie Mae swooped in and offered help. Little did I know this would be the financial burden of a lifetime. I make {$50000.00} a year as a newer teacher and can not afford to pay the {$500.00} a month bill they are demanding. I paid the bill for XXXX years, and not only did my debt never decrease, it actually went up because they increased the interest. Sallie Mae is corrupt and someone needs to do something. I have told them I struggle to pay-the amount I take home each month barely pays my living expenses. I stopped paying Sallie Mae and they attacked all my credit and refuse to even come up with a reasonable payment plan for me. We lack teachers right now. People are leaving the profession. I need help and I feel like someone needs to stop these criminals and support myself and others like me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an erroneous account with XXXX XXXX XXXX on my Equifax credit report. I have requested investigation of that account in XX/XX/XXXX and XX/XX/XXXX. Equifax made an investigation and somehow verified an account. I contacted creditor directly in XXXX, but they didn't respond. 
I wonder how Equifax verified this account if company is not registered in Florida ( I looked up at XXXX Florida official web site ). However, I have sent follow up letter to the creditor demanding to validate that their account belongs to me. I also will attach proof of sent letter to the creditor and the first validation letter.
Product: Debt collection

I have new information and an update regarding complaint # XXXX. 

, I did not receive any communication from your company. Please upload here on the CFPB website the correspondence letter that was sent to XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX on XX/XX/2023. 

This is a stall static that your company is using. 
The more you delay this information the more I will claim damages in court. 

I have also attached the original letter that was sent certified. 

Thank you
Product: Credit card or prepaid card

I was referred to a person by my friend, XXXX XXXX, who lives in Michigan, XXXX. The person he referred to me identified me as " XXXX XXXX, '' an employee of XXXX XXXX in California, company file # XXXX. I was told that this person would make my payments and I would only have to pay back 50 % of the total amount to the financial institutions. A few payments were made to my bank accounts and loan accounts such as AMEX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The payments were made and the total amount was brought to " Paid off ''. I even called the financial institutions to confirm the payments were received and I owed no money. I got the confirmation number and everything I could to keep myself on the safe side. And after that, I made the payments to the XXXX XXXX salesman, XXXX XXXX per his instruction by cashier checks. After a cycle of one to two weeks, the payments were reversed from my financial institutions. This is a fraud. AMEX shouldn't allow reversing payments after it's been a month or two. This clearly means no one is safe because there is no guarantee of doing any sort of business with AMEX if they will just reverse the payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information on my credit report. I tried to get it investigated via mail on XX/XX/, however, Experian sent me an email stating that it was not me who sent the letter - BUT IT IS ME. Experian did not open disputes as requested. However, I called them and they said they could not process my letter dispute, they still haven't opened disputes to investigate. I will be attaching the email from them that they sent on XX/XX/ and the dispute letter that I sent on XX/XX/ originally. My license and utility bill are both in the attached document, so you have proof of address and proof of identity, as well. Thank you!
Product: Credit reporting or other personal consumer reports

The account isnt mines. It is also hurting my credit report. I never opened these accounts. I was incarcerated at the time they were opened. I did not give anyone permission to use my information. I have supplied government documentation of dates incarcerated as well as a copy of my complaint. 


XXXX XXXX XXXX