23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have received several threatening phone calls XXXX times a day at work and on my cell phone about a debt that I owe to a company called XXXX. They harass me threatening the money I owe is a felony which it is not and threatening to call my employer and disclose information to them. I have asked them to stop calling and they will not. I have voicemails on my phone harassing me and telling me that if I do n't make a payment by a certain time that day that will take me to court. I told them to take me to court, and that I do n't deserve to be treated this way yet they keep calling, yelling at me calling me worthless hanging up and then calling right back. I keep blocking the numbers they call from and then they call me from different numbers. They will not give me their address or actual telephone number or even tell me the name of the person I am speaking to.
Product: Credit reporting or other personal consumer reports

I am reaching out to challenge an inconsistency identified in the " PAYMENT HISTORY '' section of my credit report, specifically in relation to the following account that has been charged off. XXXXXXXX XXXX XXXX XXXX XXXXXXXX, I have observed this account continues to be reported as having a monthly payment history, even though it should not due to its charge off status. This constitutes a direct breach of the Fair Credit Reporting Act as it is inaccurately influences the statue of limitation
Product: Credit reporting or other personal consumer reports

I have found a number of inaccuracies on my report. This company is still posting information that is almost XXXX years old. XXXX XXXX is a charge off which is considered income and is well over XXXX  years and should be removed from my account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions
Product: Debt collection

I have 2 accounts on my credit that need to be removed from my credit i have faxed in statement from my bank showing i paid the acvou t before i moved to my new address in XXXX XXXX
Product: Credit card or prepaid card

Someone opened a credit card acctat target/TD Bank in my name on XX/XX/2021
Product: Debt collection

On or about XX/XX/XXXX I leased a XXXX XXXX XXXX from XXXX XXXX XXXX, located in XXXX, VA XXXX. On XX/XX/XXXX I returned the vehicle to the same dealership as per the lease contract. On or about XX/XX/XXXX I returned the license plates to the VA DMV located on XXXX XXXX XXXX in XXXX, XXXX Because I was not the registered owner of the tags the DMV representative advised me that he could not provide me with a receipt. In XXXX of XXXX I received a bill from Acura Financial Services ( AFS ) in the amount of {$110.00}. I immediately called their customer service office and was told that the {$110.00} was for taxes owed for the XXXX in XXXX. I explained the above information to them. They have repeatedly requested more documentation from me, which I have already explained that I can not get from the DMV. I contacted the XXXX XXXX County tax offices and was able to obtain a copy of the tax bill for the XXXX, which again was not registered to my account. I submitted the tax bill to the AFS office in order to clear up the outstanding balance. I have attached a copy of the tax bill from XXXX tax office, which shows that the XXXX account was closed on XX/XX/XXXX, to this complaint. ( Somehow XXXX was notified that the license plates were returned to the DMV ). AFS continues to send me bills and letters to include a tax bill that clearly shows that the taxes due are for XXXX. In one such letter they stated that I owe {$640.00}. When I questioned the AFS customer service rep, that called me about this very account, she could not explain the {$640.00} amount. It is apparent that AFS does not have good record keeping practices and obvious that I did not have the vehicle in XXXX, as their records will show. Therefore I do not owe any taxes for the vehicle in XXXX. AFS continues to call and harass me on a regular basis and has recently sent documents to the credit reporting companies, which have already adversely affected my 800+ credit score.
Product: Debt collection

I check my credit today at XX/XX/2021 and my credit dropped 80 points. Enhanced recovery company destroyed my credit. I called the company and explain to them that I did not live at the address that they said that the person that had the account. I did not open this account therefore I should not be responsible and my credit should not be destroyed because of somebody else. The person that use my Social Security number needs to be in prison.
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 descrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting

Equifax refuses to provide me with a credit report online after being denied credit. I called an Equifax agent and had to ask for a supervisor and they told me I could buy it but not have it for free. They would not allow me to view my report online and XXXX allowed me to view mine after providing proof over the phone of my identity. There is no reason why Equifax can not do the same.
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( accts 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 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 card or prepaid card

On XXXX night I received a call from Barclays fraud detection line about suspicious transactions. They were indeed fraudulent, being described to me as in-person transactions in New Jersey at a place called XXXX, 3 transactions totaling {$450.00}. I filed the routine papers to indicate it was fraudulent. I later received a note saying Barclays had investigated and some of the XXXX items were fraud, but some were not. How they arrived at that decision was not explained. As monthly bills came in, there were late fees and interest charges, so I continued to call to protest the growing balance. I paid for any items which were legitimate charges, then discontinued use of the card. I wrote letters to their dispute resolution line, but never got any replies. Recently they sent me a letter stating they had received a notice of billing dispute from me regarding a charge from XXXX, a legitimate purchase I made, which I had paid for. I NEVER disputed that charge, as my payment for it would indicate. I have tried to call, but their fraud line is not open the hours as stated on their letters. I have sent back my destroyed card, via certified mail, but have not received the confirmation back from the USPS. I am fed up with their incompetence, and their effort to take my payments for legitimate charges to pay their fees and stiff the companies I purchased from. 

I have not included copies of documents because I dont want personal information published with this complaint. I do have documents, and will provide if requested by the federal office handling this.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX/XXXX  XXXX XXXXXXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX XXXX Balance XXXX {$26000.00} XXXX/XXXX XXXX  XXXX Balance : {$270.00} XXXX XXXX XXXX XXXXXXXX Balance : {$26000.00} XXXX/XXXX XXXX Balance : {$270.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account Number - XXXX Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 

validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act _XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXXXX, has violated my rights. 


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

15 UL.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

I have a loan with XXXX XXXX XXXX, XXXX, and NAVY FCU. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, and NAVY FCU with no successful resolution. There was definitely an error on their part.
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 confidentially under 15 USC 1681. Act Name : XXXXXXXX XXXX XXXXXXXX XXXX Act Name : XXXX XXXX XXXX Act Name : XXXX XXXX XXXX, Act Name : XXXX  XXXX, Act Name : XXXXXXXX XXXX, Act Name : XXXXXXXX XXXX XXXX, 15 USC 1681 section 602 A, States I have the right 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. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) 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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that an account was not reporting accurately. I had two late payments on an account that it was in fact paid on time. The consumer reporting agencies have need to report all information with the correct accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ). I'm now requesting for you to investigate and provide verifiable proof withs records showing that I had late payments. if this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. 
XXXX XXXX XXXX Acct # XXXX
Product: Mortgage

Its a two part problem but both involve mismanagement of monthly payments First, I received an annual escrow shortage bill in XXXX, I opted to pay the shortage to keep my payment low well the person who took my payment over the phone placed the whole sun in escrow thereby increasing my monthly payments, remember I did this Over the phone so that the payment would be applied to keep monthly low. 
Second I made the mistake of making payments before my due date, well the system or a person, unauthorized by me place my payments in principle only Column. And then preceding to short my account for 2 months. I was reported to credit agency and HUD for counseling.I called and some payment were fixed but Im still missing a month! Ive called multiple times, theyve lied to me, delayed by telling me it would be fixed next week and nothing has changed Ive written and called multiple times, Ive also asked for an audit to no avail .I dont know what else to do and I dont want to keep calling being a giant waste of time. freedom Mortage is the company
Product: Credit reporting or other personal consumer reports

I submitted a dispute regarding a bankruptcy reporting on my credit report inaccurately. I have contacted Experian to receive the name of the primary supplier and secondary vendor of this bankruptcy record XXXX XXXX XXXX reporting on my file so that I may complete a thorough dispute/investigation. On XX/XX/24 Experian responded without providing the information requested which is clearly a stall tactic. Experian also accused me of using a credit repair company, which i have not even though the law permits it. Being that my previous dispute did not address this error nor did Experian provide me with the ORIGINAL FURNISHER and or SECONDARY SUPPLIER in accordance with the FCRA and a notice posted by the CFPB which requires CRAs to do such. Experian has not corrected this error on my file. I have attached a copy of the CFPB statement. Experian is causing financial and mental stress with its constant disregard to the law.
Product: Checking or savings account

Someone use my Identity to open a bank account, and I call the bank to close account, I tell them that person is not me, they said they will follow up, and they will email to me, but they didn't. And I call them again, they refuse to close the account. And I report to identityTheft.gov fewer weeks ago. Today, I found out the theft transfer money from my bank to this bank .....
Product: Credit reporting or other personal consumer reports

My personal information was stolen 2020, authorities were contacted, and a fraud alert was placed on my credit profile. Recently I attempted to obtain a line of credit and realized that accounts that I have no affiliation or knowledge of have been placed on my credit profile. I requested account verification, and this will now be my second attempt to see why these accounts are being reported but are not mine and are a result of identity fraud. Reporting these accounts without my knowledge and consent are violating 15 USC 1681. 

Not only are these companies furnishing accounts without my consent, but are reporting Identity theft accounts, which again are in violation with the FCRA.. 
The account is : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax currently reports illegal unathorized inquiry on my credit report one XX/XX/2020 Inquiry : XXXX XXXX XXXX XXXX  ; Reporting with no permissable cause, no credit or loan has been awarded. this is a violation of FCRA rules
Product: Prepaid card

I was given this American Express AMEX gift card for XXXX two days ago. I tried to use it at a store this morning and it didn't work. The pin pad gave me an error stating that the transaction couldn't be completed. The card is for {$100.00} and the purchase was only {$59.00}. I proceeded to call the number on the card and asked for the card to be activated. I was on the phone for over 10 minutes because the representative kept arguing with me. He kept telling me to run it as a credit card, but I informed him that all I did was SCAN the card and it didn't let me even get to the option to select debit or credit. I ended up just paying with my own money and told the person I wanted to receive confirmation that the card was activated, as he was trying to tell me to go back to the store and " make a small purchase ''. He did not accept my request for confirmation and I ended up hanging up because I was extremely angry with the lack of service I received. I am now trying to use the card online and XXXX and XXXX  online both don't accept the card, despite the purchase being lower than the balance.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Subject : Dispute Regarding Incorrect Reporting of Collection Account Dear Portfolio Recovery I am writing to formally dispute the status of a collection account that appears on my credit report. This account is incorrectly marked as " open. '' This classification is misleading and inaccurate. 

Since this is a collection account, it should not be reported as " open, '' as it does not represent an active credit line or current access to credit. An accurate status would reflect the account as either " in collections '' or " closed, '' depending on its resolution. 

I kindly request that you investigate this matter and update the account 's status accordingly. If the account was transferred from the original creditor, please ensure the correct reporting is reflected to avoid duplicate entries. 

Enclosed are relevant documents to support my dispute. Please notify me of the outcome of your investigation within 30 days, as required by the Fair Credit Reporting Act ( FCRA ). 

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

My credit report at TransUnion had a bad address and a bad telephone number for me ( both because of typos ). I successfully initiated a dispute to remove both. Within seconds of opening the dispute I received email claiming that the dispute was resolved and offering a limit for me to view the results online. I viewed the results, and they showed that the bad address was removed from my report, but they said nothing about the phone number ; it was impossible for me to tell whether this was because the displayed results were incomplete ( i.e., the phone number was removed but the results didn't show that ) or the handling of the dispute was incomplete ( i.e., they removed the address but not the phone number ). I then had to waste 20 minutes on a live chat with an agent who spoke bad English, at the end of which they claimed they couldn't find the bad phone number on my report, thus suggesting that the dispute was properly processed but the displayed results were incomplete. This a stupid, basic mistake. They should fix it. 

While writing this CFPB complaint I encountered a second issue. I logged into my TransUnion account using the link in the dispute results email to view the results again so I could provide additional details for this complaint, and their web site now refuses to show me the dispute results. It says instead, " Looks like we cant access your open dispute status right now. Please try again later. ''