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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information in Credit Report Dear XXXX, I am writing to dispute the following inaccurate information that appears on my credit report prepared by your agency. Under 15 U.S.C. 1681o, I am entitled to seek civil liability for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ).

The information in question is as follows : - account name, account number, dates.

This information is incorrect because my identity was stolen and there is false information being reported 1. Clear Statement of Identity Theft : - " I am writing to inform you that my identity was stolen, and as a result, there is false information on my credit report.

2. " The following information on my credit report is incorrect : list the incorrect name, incorrect address, and the amount I have accrued and not the impersonator amount.

3. I lived with someone, and they used all my information. I believe this false information was added to my credit report due to fraudulent activity by the person who stole my identity. 
I request that you investigate this matter, remove the incorrect information from my credit report, and provide me with a written confirmation of the corrections. 
Please contact me at XXXX & XXXX if you need any further information or documentation to resolve this issue, feel free to contact me. 
please investigate and correct your credit report. 

o Negligent Noncompliance : This section establishes that any person who is negligent in failing to comply with any requirement imposed under the FCRA with respect to concerning any consumer is liable to that consumer.

o Damages : The consumer can recover actual damages sustained as a result of the failure. - Attorney 's Fees : In the case of any successful action to enforce any liability under this section, the consumer can also recover the costs of the action together with reasonable attorney 's fees as determined by the court.

Attached to this letter, you will find copies of my passport, social security card, and utility bill that support my claim.

I request that you investigate this matter, correct the inaccurate information, and provide me with a written confirmation of the correction. Once the inaccuracies have been resolved, please also provide me with an updated copy of my credit report.

As per the FCRA, you must complete your investigation within XXXX days of receiving this letter. Failure to comply with the fcras requirements may result in legal action to seek damages for negligent noncompliance. 

In summary, 15 U.S.C. 1681o provides consumers with the right to seek compensation if they suffer damages due to a company 's negligent failure to comply with the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a third party which is not true. Please see attached file to this complaint for your review. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to submit a formal complaint against Midland Credit Management for failing to provide validation of a debt that they claim I owe. I requested verification of this debt on XX/XX/year>, but despite my request, I have not received the necessary documentation to substantiate the debt.

Here are the details of the dispute : Debt Collector Information : Agency Name : Midland Credit Management Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Debt Information : Debt Amount : {$1300.00} Original Creditor : Midland Credit Management Account Number : XXXX My Request for Debt Validation:XXXX On XX/XX/year>, I sent a debt validation request to Midland Credit Management , asking for proof of the debt, including the original contract or agreement, a statement of the amount owed, and evidence that the agency is authorized to collect on behalf of the creditor. However, I have not received a response within the time frame required by the Fair Debt Collection Practices Act ( FDCPA ).

Violation of Rights : This failure to provide validation violates my rights under the FDCPA, specifically my right to request proof of the debt. Additionally, I believe that Midland Credit Management has continued collection efforts without verifying that I owe the debt or that they are authorized to collect on it.

Actions Taken : I have attempted to resolve this matter directly with Midland Credit Management, but their failure to respond appropriately has left me with no choice but to escalate the issue.

I respectfully request that the CFPB intervene in this matter to ensure that Midland Credit Management complies with the FDCPA by providing the requested debt validation. If they can not provide proper validation, I ask that they cease all collection activity related to this debt.

I am willing to provide any additional information or documentation needed to assist with your investigation.

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Exquifax Data Breach Claim # XXXX has confirmed that i was a victim during the data breach occurring from XXXX - XXXX. 

My information was sold and bought illegally because I was a victim of Equifax data breach. I want items deleted from my credit report effectively immediately. Please help with deleting illegal accounts from my credit reports. 

As of date, Equifax or other credit agencies are not allowing access to their systems so that i can present items that are listed. My hope is that your agency can gain access Equifax portal to help to delete erroneous information listed on the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX Fraud Account Thx Delete account XXXX XXXX XXXX XXXX Fraud Account Delete Please Discover card XXXX Not My account please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection XXXX XXXX XXXX  XXXX XXXX. The collection agency annoyingly contacted me even it is already After XXXX XXXX. or before XXXX XXXX. This violates FDCPA Section 805 ( a ) ( 1 ). Prior to submitting this complaint, I have sent over 3 letters to the Buraus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?
Product: Credit card or prepaid card

Synchrony Bank is back using their same old habit of sending a bill one month and skipping one month so they can continually add fees to my bill. At the rate they are going I will never get the bill paid down. I have reported them once and for months they stopped their sneaky process. They are back at it. XXXX has numerous complaints about XXXX. How can they continue to do this? It's strange that XXXX XXXX credit card was switched to XXXX XXXX and there's never a problem. Add their constant calling to this COVID virus and it's enough to make a person scream. Do they not know that a disaster is happening? Are they just really that cold? I have about had it.Once I get the bill paid off which will take forever the way do business I am going to cut their cards into pieces and mail them to them.
Product: Debt collection

Credit card ws stolen and used by someone else back in 2003.Six months ago a credit card company begin trying to collect the debt. I am on a fixed social security and small XXXX pension. I am afraid this company is trying to destroy my small income. They are causing me a lot of stress. My daughter has been helping me to respond to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been filling disputes since XX/XX/2020 when this account appeared on my reports out of no where. Ive disputed it at all 3 credit bureaus but then Covid hit and Ive not gotten a response from them or the collection agency due to the pandemic. This is not my debt, I have no idea where this account came from.
Product: Credit card or prepaid card

I have XXXX fraudulent charges on my account XXXX USPS {$250.00} XXXX USPS {$290.00} I mailed in a dispute letter on XX/XX/2022. I also called to dispute verbally on XX/XX/2022, XX/XX/2022 and XX/XX/2022. 

They have not issued me a credit or responded to my letter as required by law.
Product: Credit reporting or other personal consumer reports

i have already submitted my XXXX forms through the cfpb, however after following up wiith transunion, they are denying that they have recived any dispuites through the cfpb
Product: Credit reporting or other personal consumer reports

I have been reaching out to transunion for months in regards of the inquires being removed they weren't authorized by me. Please remove the following accounts and inquires off my report. This is destroying my character.
Product: Checking or savings account

I received an email from the postal service on XX/XX/XXXX regarding a delivery fee needing payment to deliver my package. I did not suspect any fraud since I've had to pay this fee online before. 

On XX/XX/XXXX, immediately after seeing this email & paying what I thought was a postal fee, a transaction of {$180.00} hit my bank account ending in XXXX. The merchant in the transaction description says " XXXX XXXX ''. I am a XXXX XXXX XXXX woman & I do not use XXXX XXXX, let alone give out my card info on there. 

On XX/XX/26, Wells Fargo determined this transaction was authorized, & closed my claim # XXXX. When I called & spoke with XXXX at the claims assistance center, he advised me to contact XXXX XXXX. 

I believe my bank should be contacting this merchant instead of myself. They have not given me any details regarding how they confirmed this was authorized. I also doubt that XXXX XXXX themselves as an entity took my money, so their support center is unlikely to know anything of this incident. 

Also, Wells Fargo has always alerted me of suspicious activity, even about legitimate transactions. This incident, a merchant I've never done business with charged me for an unusual amount, & Wells Fargo did not bring this to my attention so I could have the opportunity to report this as fraud.
Product: Credit card or prepaid card

I am having trouble getting credit. No one will give me a credit card. My credit score has not moved in months and I am trying to buy a home. I think my credit has been taken by family or friends, also bank accounts have been hacked on money is being taken out of my account. Please review. 

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

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

I reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. Consumer reporting agencies have assumed an important role and have a responsibility to report consumer information to the best of their ability with precise accuracy. I have never been late on payments for this account ( XXXX installment loan, acct # XXXX ). Please investigate and provide me accurate proof with statements showing that these payments were late. If proof cant be provided I sincerely ask these payments be updated to On Time as they should be being that I was never late. Thanks for your time handling this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with the XXXX 6 months ago with respect to Experian. Experian finally completed their investigation and fails to correct the reporting status of XXXX XXXX. In XXXX of XXXX, I did file bankruptcy and clearly stated I was going to be reaffirming my mortgage. In XXXX of XXXX, XXXX sent notice that they were transferring my loan to XXXX & XXXX bank. I was not allowed to reaffirm with XXXX because they were in the process of transferring the loan and stated that any reaffirmation would have to be made with XXXX & XXXX bank effective XX/XX/XXXX. I did reaffirm my loan with XXXX XXXX XXXX Bank, however, Experian continues to incorrectly report that my XXXX mortgage was discharged through bankruptcy. My Bankruptcy was not discharged until XX/XX/2017, at which time, XXXX was no longer in possession of my mortgage due to the transfer making this information false. I even have a letter from XXXX from XXXX clearly stating they were inaccurately reporting my information and that it was service transferred and not discharged through the bankruptcy. Experian has an obligation by law to not only complete disputes in a timely fashion, which they failed to do by taking 6 months, but they are also legally obligated to report accurate information. Their failure to do so despite having all of the necessary documentation to correct this makes them in clear violation of the law. As this is not the first dispute with Experian about this account and they continue to violate the law by incorrectly reporting the details of the account by using data checkers instead of actually looking at the evidence provided, I respectfully ask that they delete the XXXX account.
Product: Credit card or prepaid card

This bank is horrible they never process any of my applications for credit I get turned down for high risk source of application which to me doesnt make sense for years its like they have me blacklisted and dont want me they dont fix this is ongoing issue their the bank I dont see why they cant fix this
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, XXXX Account # 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 an account without my written instructions.

15 U.S.C 1666 b A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason
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 's findings indicate that zelle gas 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: Debt collection

I received a notification from the credit bureaus that an account was opened XX/XX/23 XXXX in the amount of {$430.00}, I never had an account opened with XXXX, never received a debt validation letter confirming the details of the debt. this company never tried to contact me by letter or phone. I have a fraud alert on my credit @ all ( 3 ) bureaus due to previous identity theft accounts. I called the XXXX, no agents available, their system ask for your social security to locate the account, I entered into the system. the recording say no account found. this is not my account I'm filing a complaint against Jefferson Capital Systems and will seek an attorney due to this account is being reported on my credit record. which has cause mental distress as I am a retired XXXX citizen.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee, XXXX XXXX email : XXXX date : XX/XX/year> Consumer Financial Protection Bureau XXXX CFPB ) XXXX XXXX XXXX, IA XXXX XXXX : Formal Dispute Against Radius Global Solutions LLC for FCRA and FDCPA Violations To Whom It May Concern, I am writing to formally dispute the reporting of an account by Radius Global Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX, XXXX, MN XXXX, to the credit bureaus. The account number in question is XXXX. This dispute is being filed under my rights pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as Radius Global Solutions LLC has violated multiple provisions of these laws. 

FCRA Violations : 15 U.S.C. 1681e ( b ) - Inaccurate Reporting : The information furnished to the credit bureaus is inaccurate and not supported by proper validation, violating the requirement to maintain maximum possible accuracy.

15 U.S.C. 1681i ( 5 ) ( A ) - Failure to Correct Inaccurate Information : Despite my right to dispute, Radius Global Solutions LLC has continued reporting erroneous information without proper investigation or verification.

FDCPA Violations : 12 CFR 1006.34 ( b ) ( 5 ) - Failure to Provide Validation Information : The collection agency has failed to provide the required validation information before placing the collection account on my credit report. 

12 CFR 1006.34 ( c ) ( 4 ) ( i ) - Lack of Opportunity to Dispute : I was not given a proper chance to dispute the account before it was reported to consumer reporting agencies.

12 CFR 1006.34 ( d ) - Deceptive and Misleading Collection Practices : The agency has engaged in false and misleading misrepresentation by failing to provide disclosures required by law.

15 U.S.C. 1681s-2 ( 7 ) ( A ) - Unauthorized Reporting : The agency has no legal authority to furnish account information to a consumer reporting agency without proper disclosure and validation.

Given these violations, I am demanding the following actions : Immediate deletion of this account from my credit report due to the inaccurate and unverifiable nature of the information being reported.

Debt validation, including but not limited to, the purchase agreement between Radius Global Solutions LLC and the original creditor.

Proof of licensing and bonding in the state of Tennessee, demonstrating that Radius Global Solutions LLC has the legal authority to collect debts in my state.

Additionally, I am exercising my rights under the FDCPA to revoke any and all communication via phone calls, emails, and text messages regarding this matter.

If these demands are not met, I will have no choice but to escalate my complaint by taking legal action against Radius Global Solutions LLC for willful noncompliance with federal regulations.

Please acknowledge receipt of this dispute and provide a formal response in writing regarding the resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX CC : Radius Global Solutions XXXX XXXX XXXX. # XXXX, XXXX, MN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts are reported on my credit report without any authorization, it is hurting me XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft SUNTRUST BK Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft FXXXX Account Number : XXXX This is not mine.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app block INC due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( cfpa ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements inter electronic fund transfer act ( efta ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.