23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Correct the errors on my credit report immediately by deleting the late dates of the disputed items as mandated by the FCRA. Despite my multiple attempts to resolve this issue, your failure to respond appropriately is a clear violation of the law, and I demand prompt action. The FCRA provides penalties for non-compliance, and I expect you to rectify this matter without further delay or face legal consequences. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7300.00}. Please update these accounts ASAP.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in the recent CFPB lawsuit highlighting significant issues with the platform. With multiple attempts at using Zelle numerous times and reporting discrepancies, my financial institution with Zelle was failed to investigate my claims. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. Zelle would shut down at times with given explanation. Money being transferred would not appear automatically as it stated it would. Im hoping this reaches the correct person to solve the issue occurring. It may be spreading inaccurate information if what said isnt done when said. When using Zelle requires a note to be written even if the transferring of money is less then {$10.00} dollars.
Product: Credit reporting or other personal consumer reports

This company has given me a line of credit on XXXX XXXX which initially was supposed to be a monthly payment plan in which changed after line of credit was received of the amount of XXXX dollars into a bi-weekly plan of monthly payments being twice the amount. Also if i may add ive made all payments on time according to schedule they kept charging a XXXX dollar statement fee for 2 payments a month. Now as of XX/XX/XXXX they received two payments from me. As of XX/XX/XXXX they reported on my credit as late payment and it hasn't been 90 days past due after speaking with me on further payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting account XXXX as my account as a result of transfer from XXXX XXXX XXXX in XX/XX/XXXX. This account is not mine and XXXX should remove it from my credit report. On XX/XX/XXXX XXXX XXXX XXXX, XXXX 's attorney, sent correspondence advising they would update the report after the Court made a decision referencing this alleged transfer from XXXX XXXX XXXX. On XX/XX/XXXX, the Court order the Rescission Deed that XXXX gave them authority to collect this debt was invalid. XXXX should update their records and remove this line of credit from all the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX  and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and disputed online to all three credit bureaus about unauthorized credit inquires on my credit report. The bureaus refuse to rectify the matter. 

The policy states that this is only permissible for the purpose only for a. firm offer of credit b. Insurance c. a court order d. employment On my report none of theses inquiries fit the above purpose. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX. Inquired on XX/XX/XXXX XXXX XXXX. Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX. Inquired on XX/XX/XXXX XXXX XXXX. Inquired on XX/XX/XXXX
Product: Debt collection

CONSUMER XXXX XXXX DISCOVERED I WAS A VICTIM OF IDENTITY THEFT XX/XX/2024. SINCE THEN NUMEROUS OF COLLECTION ACCOUNTS HAVE APPEARED ON MY CREDIT PROFILES. HERE IS ANOTHER ACCOUNT FROM XXXX XXXX  SOLD TO RENT DEBTAUTOMATED. I HAVE CONTACTED XXXX NUMEROUS OF TIMES FOR INFORMATION ABOUT THIS ACCOUNT AND HOW I AM LINKED TO THIS. I WAS TOLD TO CONTACT THE CREDIT BUREUS AS THEY ARE NO LONGER THE OWNER OF THIS DEBT. I LIVE IN XXXX THIS APARTMENT PLACE IS IN XXXX. I HAVE NEVER LIVED HERE IN MY LIFE. THIS ACCOUNT IS FRAUD AND NOT VALID. SECOND THIS COMPANY NEVER CONTACTED TO ME TO VALIDATE THIS DEBT BEFORE PLACING IT ON MY CREDIT REPORT 1682C-2. IM WELL AWARE THAT I HAVE THE RIGHT TO DISPUTE A DEBT PRIOR TO COLLECTION. THIS COMPANY IS IN VIOLATION OD FCRA 615 ( F ) ( 15 U.S.C. 1681M PROHIBITION ON SALE OR TRANSFER OF DEBT CAUSED BY IDENTITY THEFT. UNDER THE FCRA THIS ITEM IS NOT VALID AND CAN NOT APPEAR ON MY CREDIT REPORT WITHOUT SUPPORTING DOCUMENTS OF VALIDATION OR PROOF A LETTER WAS SENT TO ME 30 DAYS PRIOR TO THIS REPORTING ON MY CREDIT ASKING FOR VALIDATION. LASTLY A DEBT THAT IS IDENTITY THEFT CAN NOT BE SOLD OR PURCHASED.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete 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. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Can not unfreeze my credit with Experian, as the website is broken. As per the screenshot. When I call for support, they say they can not help me, as my credit is frozen. 

They should ensure that the freeze/unfreeze functionality is working, instead of promoting their paid for credit lock service. isnt that a conflict of interest?
Product: Credit reporting, credit repair services, or other personal consumer reports

The lists of inaccurate information about accounts are still reported on my credit report. I already sent a letter to EQUIFAX Credit Bureau to investigate the erroneous accounts on my report. I believe that I always paid on time and this bureau is reporting inaccurately. I am seeking for help to verify and block the erroneous accounts on my credit file. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXXXXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} XXXX XXXX XXXX XXXX XXXX DATE OPENED : XXXX BALANCE : {$0.00} XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX ) DATE OPENED : XX/XX/XXXX BALANCE : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was in a collection status due to late fees at total of XXXX dollars from XX/XX/XXXX to XX/XX/XXXX and then in XXXX XXXX the status changed to 180 past due and Credit Acceptance Corp has been reporting the account every month as 180 past due since XXXX XXXX. In XXXX of XXXX, I got an email relating to COVID-19 that late fees assessed that I have attached for reference. I also, got a letter this year in XX/XX/XXXX, asking me to remit XXXX dollars and the account would be considered close and the matter resolved. This payment was submitted and processed on to Credit Acceptance Corp *XXXX for the amount of {$31.00} on XX/XX/XXXX I had attached this letter for reference. I have not received the title as well. They are reporting this account every month as late on a payment.
Product: Debt collection

On Monday XX/XX/2019 around XXXX XXXX I received a phone call from a debt collector. The representative identified herself as XXXX from the Midland Credit Management Company. She advised me that the call was being recorded and that this debt will be sent to an attorney. In which I was a bit confused but however I continued with the conversation. She went on to explain about my debt with XXXX XXXX of XXXX and some odd dollars. Ms. XXXX then asked what could be done to clear this debt. I explained to her that at this moment I couldnt contribute anything toward this debt. However I did reach out to XXXX about a month of some ago to settle out this debt but was told that it was already charged off and sold to another company. Therefore the money I had was place on another debt account. But I will start working on paying this debt off next month. I explained that my income was limited due to a injury I sustained in an accident last year. This representative then started to get personal with asking me questions concerning what purchases did I make with this credit card? Have I been clear by my doctor, why I stopped paying this bill and so on. I began to get a bit frustrated and asked her why are you asking me these personal questions. She then stated because she was asking to get to know a little more about myself. I then told her that the questions she was asking have nothing to do with collecting money for this debt. She then went on stating that she was going to reach out to her supervisor to see what options that would be available for me to settle this debt. So I agreed to hold the line to explore my options. I was placed on hold for several minutes and then a male identified himself as XXXX supervisor. He went to asks why did I stop making payments on this debt. How can I make payments with other creditors and not make a payment on this debt. This debt isnt a priority to be paid because he have my credit report in front of him. That he can seen Im paying on other account but not this XXXX account. I explained to him that thats none of his concerns about what Im doing with my money. He then wanted to know why I was upset with the line of questions that were asked. I explained to him why, and that I feel as though that I feel like a victim of harassment. Also acknowledge that I was very patient with these two individual that question me for over eighteen minutes about a debt that I explained to them both that I was going to pay. I was extremely upset and ended the conversation immediately. Unfortunately, at that point I didnt find the need to continue on with this conversation. Because this matter couldnt be financially address until next month as I explained from the beginning of the conversation. I am very disappointed and upset with how I was treated by the individual that represent this company. Especially during this critical time of experiencing this financial hardship.
Product: Credit reporting or other personal consumer reports

Today, I was shocked to find unauthorized inquiries appearing on my credit report, and I have no idea why this has happened. As part of my regular routine, I reviewed my credit report, but this time, unexpected discrepancies caught my attention. I refreshed the browser, hoping it was a temporary error, but the inquiries were still there. I am asking for a thorough review of the documents I have provided so that I can feel secure moving forward.
Product: Money transfer, virtual currency, or money service

On XXXXXX/XX/year> I received an email from PNC Alerts that advised me due to an issue with my cell phone number, my profile for the XXXX money transfer service had been locked, advising me to call PNC Bank at XXXXXXXX XXXX XXXX XXXX to XXXX XXXX  ET. As I was in the process of moving and downsizing from a home to a condo that required a complete renovation and was in the process of preparing my home to be listed for sale on the market, I was not able to call until XX/XX/year> at XXXX XXXX. I was put on hold and advised my wait time would be 15 minutes. My call was finally put through to a service agent at XXXX XXXX. I explained the problem and the email to a female service agent. She went through the process of several personal identification factors to insure who she was speaking with. She advised she would have to put me on a brief hold to determine exactly what the problem was, I had most recently used the XXXX service successfully on XX/XX/year> to receive inbound money sent to me and deposited to my checking account. When she came back on the line she advised me that the XXXX service would no longer be available to me through PNC. I requested the reason for that decision at which point she became very rude and said she did not know why. I asked to be transferred to a manager so that I could get that answer, she explained that they would not know either. I advised her that someone would have to have that information and I was entitled to receive that as they were cutting me off from a money transfer service that all bank customers have. She advised me that she was terminating the call and hung up on me at XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Bankruptcy # XXXX XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXX, Experian concluded partially on my validation/reconsideration investigative dispute. They imposed that grain technology certified the debt to be accurate. 

Experience failed to properly follow the law and Metro 2 compliance standards when evaluating the dispute. See : Metro 2 compliance standards. 

Experian claim that XXXX XXXX verified and certified the debt. This is false because the record and report blatantly demonstrates the information is incomplete and inaccurate. See : EXHIBIT A If XXXX XXXX account # XXXX validated inaccurate information and Experian agreed to this assumption it constitutes collusion with intent to defraud me and my credit reputation. It also constitute complicit behavior in [ them ] falsifying/altering business records for business tax fraud which is a federal crime.

Experians absolute duty is to ensure that inaccurate, incomplete or misleading information is updated or removed from a creditors profile once disputed. The law is not discretionary its mandatory. See : 1681i ( a ) ( 1 ) ( A ).

Experian has not provided me any information demonstrating that they have consulted with XXXX XXXX and received valid information which would corroborate any factual claims alleged in this dispute. While, that would be impossible because the information is grossly false and untrue. See : Exhibit A
Product: Debt collection

My mailbox was brocken into and my personal info was used to oprn several accounts
Product: Credit reporting or other personal consumer reports

My private information was exposed to those that would use it for nefarious purposes. I did not provide consent to the credit reporting agencies and yet, my personal information can be requested and released to those that pay for it. With the recent data breaches, my information is now in the hands of hackers that, due to the lax security standards in place at the three major reporting agencies, can now use it for whatever they choose, including selling to the highest bidders. My report is now riddled with various items that create a barrier to my living situation.

According to 15 U.S.C. 1681 : - Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
- There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Since the privacy of my information was not protected and the responsibility of the agencies XXXX, XXXX, Experion was not properly upheld, this must be rectified. Their failure to properly safeguard my information has caused significant harm to my livelihood.
Product: Student loan

After experiencing a hardship associated with the wildfires which affected my employment in the XXXX XXXX Area in XX/XX/2019, I made every attempt to secure a Natural Disaster Forbearance with my loans serviced by FIRSTMARK SERVICES, owned by XXXX  XXXX. While all of my other private student loan lenders were willing to work with me, FIRSTMARK SERVICES were unable or unwilling to assist me with a Natural Disaster or Administrative Forbearance on the technicality that the disaster was declared as a FEMA Emergency as opposed to a disaster. I had been previously advised by a FIRSTMARK Representative that I would be able to be placed on an Administrative Forbearance as an exception given the severe hardship the disaster had on my employment, but was disconnected and future representatives were unable to assist me with this information or a forbearance. Again, it must be stressed that all other private lenders were willing to assist me during this difficult time, and FIRSTMARK SERVICES Should stand by their customers during these times as well. 

As a student borrower whom has experienced severe hardship as a result of the natural disaster as previously noted, it is very disheartening that FIRSTMARK SERVICES is unwilling to place my account in a Natural Disaster or Administrative for the 3-6 month period as previously promised for these types of disasters, which has caused significant hardship for myself and family. At this time, I am requesting immediate assistance from the Consumer Financial Protection Bureau in assisting me with the placement of these loans on one of the forbearances as requested during this very difficult time.
Product: Debt collection

This company is trying to collect a debt from the wrong person and we have informed them of this. The company is  Nation Recover Center.  Their phone number is  XXXX   XXXX   XXXX . They have been calling once or twice a day for approx 10 days. This number is now on our call block.a
Product: Debt collection

I called this company and ask them if I pay this debt, they would delete it from my profile they said yes, I paid them and this was never removed from my profile XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  - XXXX - {$30000.00} - {$30000.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX Balance $ XXXX XXXX  XXXX Balance {$7100.00} XXXX  XXXX Balance {$10000.00} XXXX XXXX XXXX  XXXX Balance {$7900.00} XXXX XX/XX/XXXX US SM BUS ADMINODA XX/XX/XXXX XXXX XXXX XXXX Balance {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I reached out to XXXX XXXX and several other medical supply companies in-network for my insurance at the time attempting to purchase a XXXX pump. I told XXXX that I only wanted a XXXX pump if it would be fully covered by my insurance. On XX/XX/XXXX, XXXX XXXX from XXXX told me that my insurance had denied my claim. I was due to give birth in just two weeks, so I purchased a XXXX pump from another company. XXXX later sent me a XXXX pump without my approval or knowledge. They sent it along with a bill for {$40.00}, which was my co-insurance. I paid the {$40.00} and my insurance paid the rest of the bill. I already had a XXXX pump from the other company, but I figured I would keep this one and have one for work and one for  home, and {$40.00} co-insurance would be reasonable. However, XXXX kept sending me a bill for {$40.00} per month, totaling {$240.00} over the course of 6 months for co-insurance. The total bill including the insurance amount was {$590.00}, a totally unreasonable amount for a device that should have been free with insurance. You can buy a XXXX pump on XXXX for around {$150.00} or even less with no insurance. When I realized this was a shady " rent to own '' scheme I had never agreed to, I asked to return the pump. However, XXXX refused and transferred a debt of " {$310.00}, '' which I never authorized, over to the XXXX XXXX XXXX. XXXX has now incorrectly reported me as " past due '' for this item. I disputed this item on my credit report with Experian on XX/XX/XXXX, and included the email thread I had with XXXX. However, on XX/XX/XXXX, Experian closed my dispute in favor of XXXX. 

I called Experian on XX/XX/XXXX and asked them to reopen the dispute, which they did. However the agent on the phone said it would likely be closed again, and she suggested that I file a complaint with a government agency such as the FTC or CFPB because then Experian could really take action. So that is what I am doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan with my husband of 50 years we have a income of {XXXX not including our rental income from our renter. Equifax deceased my credit score by XXXX points just because my HUSBAND of 50 years filed BK in XXXX  ..again our income is XXXX per year or more.they also have my birth date incorrect. 
They state that my credit score decease because my credit utilization rate is 160 % of my available credit I no not have that much credit. 

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

XX/XX/2018 XXXX XXXX  still has not assisted in contacting the Credit Bureaus to report my account {$53.00} has been paid in full and account closed. 

According to the Credit Bureaus, XXXX XXXX  has not contacted them to remove this negative on my report but shows that the balance is {$0.00}