23daVinci/CFPB_Complaints huggingface dataset:
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. 
XXXX WITH BALANCE OF XXXXXXXX XXXX XXXXXXXX WITH BALANCE OF XXXX, Removal of address XXXX XXXX XXXX XXXX XXXX, CA XXXX And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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

I received a copy of my credit report back in XX/XX/2021 and realized that there was a collection account from Account Services on my credit report. I mailed them a certified letter # XXXX XXXX XXXX XXXX XXXX on XX/XX/2021 and have yet to obtain a response from the company. I called their customer service # today and spoke with XXXX XXXX who stated that this bill is still owing ; however, I do not recall obtaining the services. I am requesting again, as stated in my letter dated back in XX/XX/2021, ( that I still have not received a response from ) some sort of documentation that this debt belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries reporting to my Credit Report that were not made by me. The inquiriesconsist of : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX, XXXX Finance, Personal Inquiry date : XX/XX/XXXX XXXX, Personal Inquiry date : XX/XX/XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX  DATE : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  : XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Discovery of the Issue : On XX/XX/2023, I was alarmed to discover an unexpected derogatory mark on my credit report, reported by XXXX and XXXX XXXX. The report showed an open balance of {$2300.00}, with XXXX XXXXXXXX listed as the original creditor. 

Nature of the Disputed Debt : This debt is entirely unfamiliar to me. I have no knowledge or records of any transactions or agreements with MoneyKey XXXX or XXXX and XXXX XXXX. I am confident this debt does not belong to me.

Immediate Impact on Credit Score : The appearance of this erroneous debt has significantly damaged my XXXX XXXX. This has been a source of considerable distress, as I have always been meticulous about maintaining good credit. 

Actions Taken by Me : After noticing this error, I immediately reviewed all my financial records and found no evidence supporting this claim. As of now, I have not contacted XXXX and XXXX XXXX, as I did not want to acknowledge a debt that is not mine, but plan to do so to seek clarification and resolution. 

Lack of Communication from the Collection Agency : To date, I have not received any communication from XXXX and XXXX XXXX regarding this debt. The lack of outreach from their end has left me without a clear path to dispute or understand this charge. 

Current Status : The derogatory mark remains on my credit report as of the last check on XX/XX/2023. This has caused undue hardship as it affects my creditworthiness and financial stability. 

I urgently request assistance in resolving this matter. The inaccurate reporting of this debt has unjustly harmed my credit score and financial reputation. I seek help in having this mark removed from my credit report and ensuring that such errors are not repeated in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is showing open paid Collection amount XXXX No account details Account showing opened XX/XX/2018 and should be removed altogether because this is false Amount due XXXX Previous balance XXXX Account should not be reporting because it is inaccurate reporting as the account was PAID DIRECTLY to XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I am unsure why the cases are still opened but the investigations have been completed on my end. However they were dismissed and investigated how they should have been by law. My rights have been violated. Please see attachment for more details or these violations and account numbers. Please allow a human to read the attached letter to receive a resolution. 

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

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

They are reporting stuff of my credit report that's not true. When ask to verify, was told they did they have to give me any of that information. But I know that's not true. The fair credit reporting act say they do. The lady was XXXX was very ruled, wouldn't give me her lastnight or let me speak to a supervisor. This is the second time I had to file a complaint on them, they never reach out to, just sent me an email talking about it was completed. The also tell me the never received any of my certified mail, which is lie. Cause I have my receipt. I would just like them to remove that stuff off my credit. And also I sent the documents on showing that my chd was a minor and they still refuse to remove that fraud activity off her account. She is not XXXX and was XXXX at the time. Please help ..
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. 

XXXXXXXX XXXX  # 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. 16815-2 ( 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: 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 shows a lack of accountability that is unacceptable and raises concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  refuses to remove unverified and inaccurate information on my credit report. I have disputed this account information as inaccurate with them several times and they were never able to validate this account. I was given no evidence of my obligation to pay this debt to this credit card company. They are scammers targeting elders like myself that they perceive to be vulnerable -- those that are isolated, lonely, physically or mentally disabled, unfamiliar with handling their own finances. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. Im also contacting Adult Protective Services for help. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA
Product: Checking or savings account

email stateing that im responsible for payi g owed amount in full when i am not responsible for these charges i was XXXX in county XXXX. While these charges took place upon my release i started reciveing theae emails saying i owed over {$3900.00} i am not responsible my debit card was stolen while i was i XXXX..
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with the XXXX and with the creditors the referred accounts, and requested proof of consumer contract or proof of debt as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 

XXXX Acct XXXX XXXX responded to my request that no documentation was available. 

XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX did not respond to my request. 

Capital One Bank NA Responded that they were not able to send proof. 

Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' I have didputed these accounts with XXXX and they always respond that the creditors " VERIFIED '' the account. 

I HAVE NEVER ASKED FOR VERIFICATIONS, I HAVE DEMANDED PROOF OF ACCOUNT AND OF LATE PAYMENTS. NO PROOF IS EVER PRESENTED.
Product: Credit reporting or other personal consumer reports

There is a XXXX account reporting on my credit file fraudulently I want this account removed and suppressed immediately I have provided experian with a copy of the identify theft affidavit by uploading and mailing it in. EQUIFAX refuses to remove the account and inquireis and denied that I have sent them anything.I Have uploaded a copy of the fraud affidavit on the Equifax website and they refuse to accept it. The XXXX XXXX  Date opened XX/XX/year>, Credit limit {$XXXX} is a fraudulent account! Remove it off my credit file immediately!!! DO NOT place a fraud alert. I want this account suppressed. I have attached a fraud affidavit as well. I Want all the fraud inquiries and the accounts removed, i have opened disputes directly with equifax, Confirmation number : XXXX, Confirmation number : XXXX, Confirmation number : XXXX remove the information immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several accounts through all three credit reporting agencies but they keep saying everything is correct when it is not. There are several items on my reports that do not belong there. All items are in the negative data. I do not have any open collections accounts. I also see these items are reporting as late each month when they should not be. The original accounts were were different creditors. These accounts were then bought out by debt collectors. The information being reported on my credit reports are inaccurate and false. One account is a duplicate. One account was paid in full and never went to collections. 3 accounts are all due to my cards being stolen from me while I was involved in a domestic abuse case and they were used without my knowledge or consent. These items are all still reporting as late each month and open which is in violation of the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

An accordance with the fair credit reporting act XXXX account number 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 consent.
Product: Checking or savings account

I deposited 2000 dollars and it was sent from my XXXX  account immediate transfer. Days later they can not tell me why there is still a hold on the money. Money that is transferred immediately should be like cash deposited into the account. 

I called twice and they don't seem to understand what I am talking about In addition they are declining my transactions without any cause even though the money is in there which I have heard lowers one credit score. 

I do have screen shots and recordings of this happening
Product: Credit reporting or other personal consumer reports

The company reinserted previously deleted information under FCRA 605b due to identity theft The reinsertion of these accounts violates the FCRA Section 605B, which prohibits the re-reporting of information that has been previously deleted based on the expiration of the reporting period. 
The reinserted accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They also have incorrect names and addresses. 
Pursuant to 15 U.S. Code 1681e ( b ) they need to remove the names and addresses. 
My name should show as XXXX XXXX XXXX, XXXX and address as XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello there I have some valid accounts with incorrect history and some accounts that don't belong to me at all! 
My mortgages below are valid accounts but the history is incorrect! 

1 ) XXXX XXXX Account # XXXX They have me lates on the days below, but I'm on forbearance and was advised it would effect my credit negatively XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2 ) XXXX  Account # XXXX They have me lates on the days below, but I'm on forbearance and was advised it would effect my credit negatively XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX This company below was my previous mortgage servicer and they are reporting me late when I was deferred and then they sold my mortgage XXXX BANK Account # XXXX Opened XX/XX/XXXX Lates incorrect below XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The accounts below does belong to me but they are reporting me late and I was never late XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Balance {$860.00} They below lates reporters on my credit in wrong below XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These accounts below do not belong to me at all! 
1 ) XXXX XXXX XXXX l Account # XXXX Opened XX/XX/XXXX Amount owed {$660.00} 2 ) XXXX Account # XXXX Opened XX/XX/XXXX Amount owed {$570.00} 3 ) XXXX XXXXXXXX XXXX  L Account # XXXX Amount owed {$400.00} 4 ) XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Amount owed {$280.00} 5 ) XXXX XXXX XXXX  L Account # XXXX Opened XX/XX/XXXX Amount owed {$190.00} 6 ) XXXX XXXX Account # XXXX Opened XX/XX/XXXX Amount owner {$0.00}
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

During covid late payments was made on XXXX car loan and reported with all three Credit Branches. 
US CODE 1681s-2 Responsibilities of furnishers of information to consumer reporting agencys.
Product: Credit card

I am filing a complaint for a credit card that I never received and was never sent any statements for. Until I called I did not know the credit card was for XXXX. ( Chase card # XXXX ). When I called and talked to Chase they informed me the charges was {$30.00} a month for a XXXX card which I never received nor used. They do not state anywhe3re when applying for the card of a monthly {$30.00} fee and the fee is nothing. If the card was used to make a purchase I could understand, but {$30.00} a month to have the card is just plain robbery by Amazon. I would like to have it removed if it can, if not then something to show payments were never late since I never received any statements or a credit card from them. For the record after talking to them I paid the card off and closed it.
Product: Vehicle loan or lease

I 'm the creditor FULL DISCLOSURE was not said and once he got my XXXX signature WITH MY XXXX SOCIAL THE DEBT WAS DISCHARGRED SO Y IS DIS XXXX  ASKING ME FOR MONEY THATS DOUBLE DIPPING ON PPL ENUFF TO MAKE ONE MAD TO GET YO XXXX THO dats no longer my debt he is debtor and holder in due course my contract even has a promissory note I signed already u XXXX XXXX XXXX drop XXXX XXXX MY GOLDEN XXXX SIGNATURE PAID FOR XXXX XXXX XXXX XXXX AND Y'ALL NO IT a flight to XXXX  mite sum it all up for XXXX with me the wrong XXXX way anthting happen my fee schedule runimg XXXX keep playing tho.. I want my XXXX and not scared of no XXXX XXXX police 's no recorded line no false tactics the lies and XXXX  y'all do and I 'm retired vet and dis the XXXX thanks I get that 's XXXX ... it 's all fake and fraudulent BUT I 'M A NATURAL PERSON GOSE BY XXXX LAWS BUT YALL XXXX NOT BUT ON OUR EARTH LAND WITH DAT XXXX substantial law to get positive I got y'all XXXX with this lien and u got XXXX to give me my XXXX or else I will run XXXX XXXX XXXX XXXX
Product: Student loan

HESAA loan there are really no repayment options except defaulting everything else no one really qualifies for if you can even get any info on it this loan was represented to me as a government loan not a private lender to make matters as bad as can be the website is almost impossible to even enter- i have to try at least a dozen times before i can even get to the login page. making a timely payment becomes impossible unless you have a few hours to devote to trying. there is no way to get billing notifications either through email or snail mail until you are late, then you get tons of them. is it really so much to ask for automated electronic billing? at the percentage they are collecting?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Formal Demand for Removal of Unauthorized Inquiries To Whom It May Concern : I am writing to formally dispute the unauthorized credit inquiries listed on my credit report. These inquiries were made without my consent or permissible purpose under the Fair Credit Reporting Act ( FCRA ). Below are the disputed inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Violations of the FCRA Under 15 U.S.C. 1681b ( c ), credit inquiries are permissible only with explicit authorization or for certain legitimate purposes. I have neither applied for credit nor granted authorization to the entities above, which makes their presence on my credit report a violation of : 15 U.S.C. 1681b ( f ) : Obtaining a credit report under false pretenses. 

15 U.S.C. 1681i ( a ) : Failing to conduct a proper investigation of disputed items. 


The failure to verify these inquiries or provide proper documentation confirming permissible purpose undermines the integrity of your investigation process. 

Legal Obligations and Remedy I am including a detailed statement confirming I did not authorize the inquiries. 

Your investigation must comply with 15 U.S.C. 1681i, including notifying the furnishers and obtaining documentation proving permissible purpose. Should you fail to remove the inquiries, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing remedies under 15 U.S.C. 1681n for willful noncompliance. 

Formal Demand for Action I demand the immediate deletion of the unauthorized inquiries from my credit report. Failure to act within the mandated 30-day period will result in formal complaints and possible litigation. 

This letter serves as notice under California Civil Code 1785.25 ( a ) that you are reporting inaccurate information. Continued reporting of these inquiries as verified constitutes defamation of character and willful negligence. 

I expect written confirmation of the results of your investigation, including the documentation relied upon for verification. 

Sincerely, XXXX XXXX XXXX XXXX. 
SSN : XXXX Date of Birth : XX/XX/XXXX Enclosures : Copy of ID and Proof of Address