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

My credit report is reporting a bankruptcy which XXXX still have not furnished me proof that this account was verified. XXXX XXXX We have reviewed the information from our Bankruptcy Records and determined that the data being reported is unverifiable. Dispute of Bankruptcy Reporting Under 15 U.S.C. 1681c ( 5 ), Reference Number : XXXX. Under 15 U.S.C. 1681c ( 5 ), which governs the maximum time that adverse credit information, including bankruptcy, can be reported on consumer reports, this entry is either inaccurately reported or has exceeded the permissible reporting time. Please conduct a reinvestigation into this matter. I request that the inaccurate or outdated bankruptcy entry be removed from my credit report, or that I be provided with verification from the original source showing that the information is still valid and meets all the requirements for reporting under the Fair Credit Reporting Act. I have been disputing these issues for 9 months. Dates that I sent a letter requesting these issues be hand or furnish me with the necessary documents XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. XXXX sent a notice on XX/XX/year> stating they verified this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Hi my name is XXXX XXXX XXXX. I have XXXX accounts of credit report that is hindering me badly and its causing mental and physical breakdowns. The following accounts are : XXXX XXXX XXXX XXXX XXXX XXXX These accounts are hindering because I am trying to move my family into a house but because of these fraud accounts that I did not apply for, they are bring my score down and its causing turmoil in my life. I am stressing because I have to move my family into a bigger home. My mental state of mind is declining also. I am not eating, sleeping and functioning right because I do not what to do. I been disputing these accounts because its identity theft. These are not my accounts. I would like these accounts remove so I move on and get my family a home. These accounts are hindering my credit score and I am being denied left and right. Once these accounts are removed, I will finally be able to provide that home for my family.
Product: Debt collection

ARS XXXX  have called both myself and my spouse regarding a debt collection for a debt that is not ours and threatening legal action if we dont respond. When I call they are looking for a person with the same first and last name, but different DOB and SSN. I I tell them my info and ask how I can get them to stop calling, they hang up. 

Calling 1-2 times daily. 
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  etc They also call using a spoofing device to make it appear from a local number.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Per the FCRA as a federally protected consumer I am now opting out of of any and all authorization I the consumer may have given written and unwritten, verbal and nonverbal per 15 usc 16802. It is illegal to report transaction history and per 16 cfr 433.2 and 16 cfr 433.3 states that you are not exempt from claims.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unauthorized Credit Inquiry Violation of FCRA ( 15 USC 1681b ( c ) ) To Whom It May Concern, I am filing this complaint to dispute an unauthorized credit inquiry associated with this company. The inquiry in question was made on XX/XX/year> by Southern Auto Finance Company XXXX XXXX. 

Upon review, I believe this inquiry was conducted without my explicit authorization or in compliance with the permissible purpose guidelines outlined in Section 1681b ( c ) of the Fair Credit Reporting Act ( FCRA ). 

The FCRA explicitly defines the permissible purposes for obtaining consumer reports. To the best of my knowledge : I did not provide explicit consent for this inquiry. 
I do not recall initiating a transaction or establishing a relationship with this company that would justify such a request.
Product: Debt collection

I purchased a XXXX XXXX XXXX XXXX in XX/XX/XXXX for - {$36000.00} @ 10 % APR. I experienced 2 layoffs by early XXXX and fell behind on my car payments. Ally Financial refused to accept payments to allow me to address the past due amount. They wanted a lump sum payment or nothing at all. They hired a lawyer, and I hired a lawyer - I agreed to return the vehicle without getting to speak to the Judge ( they filed a Motion for Summary Judgement ) with the understanding that that would adhere to the following : Per FCRA, a consumer has the right to reinstate a loan, rather than a lump sum demand. No written notices provided with specifics on the following : A. Private Sale, B. Auction Sale, C. Letter of Deficiency Balance They have not sent me any written communication regarding the vehicle. They have the vehicle, XXXX that I have paid in monthly payments and now want another {$66000.00}. These are unfair and deceptive practices.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint to the Consumer Financial Protection Bureau ( CFPB ) Regarding Violations of Consumer Rights by XXXX XXXX XXXX Dear [ CFPB Representative ], I am writing to file a formal complaint against XXXX XXXX XXXX for multiple violations of my consumer rights. Despite numerous attempts to resolve this matter directly with XXXX XXXX XXXX, I have not received any responses or assistance, prompting me to seek intervention from your esteemed agency. As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I am aware of my rights and obligations regarding the handling of my personal information. Specifically, I refer to 15 USC 6082 and 15 USC 6805, which outline the protections afforded to consumers in matters concerning the accuracy and privacy of their credit information. In light of XXXX XXXX XXXX 's failure to address my concerns and provide adequate resolution, I hereby exercise my rights under 15 USC 6802 to opt out of any and all authorization, whether written, verbal, or non-verbal, that I may have previously granted to them. This opt-out request is effective immediately. Furthermore, I assert that as a consumer, I am protected by all laws stated in the Privacy Act of 1974, which safeguard my privacy rights and regulate the collection, maintenance, use, and dissemination of personal information by federal agencies. Despite my efforts to communicate with XXXX XXXX XXXX and seek a resolution to this matter, their lack of response and apparent disregard for my rights as a consumer compel me to escalate this issue to the attention of the CFPB. I kindly request that the CFPB investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX XXXX complies with all relevant consumer protection laws. Additionally, I seek guidance and assistance in resolving the issues I have encountered with XXXX XXXX XXXX. Thank you for your attention to this matter. I look forward to your prompt response and resolution of this complaint. Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had a fraudulent account appearing on my consumer credit report. I do not recognize this fraudulent account as mine. I am a victim of a data breach and Identity Theft. Kindly block and Delete the Account Name : [ XXXX XXXX XXXX ] [ Account number : XXXX ] within XXXX business days as required by FCRA 605B, 15 USC 1681c-2. Please Remove and Delete this fraudulent account from my Credit Report immediately. They are hurting my ability to obtain credit. Please find the attached FTC Report and other relevant documents.
Product: Credit card or prepaid card

On XXXX XXXX, 2017 I applied for a credit card through Wells Fargo. My application decision was initially delayed. I eventually received a credit decision by calling the automated application status line and was approved. This decision was made within 48 hours of my application.
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On XXXX XXXX, I noticed through Wells Fargo 's online portal that my new credit account had been closed without prior notification. On XXXX XXXX, I sent a message through the online portal inquiring why my account was marked as closed and was told to call and speak in person with a representative.
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On XXXX XXXX, I called and spoke with one customer service representative to learn more about the situation. Through this interaction, I learned that Wells Fargo 's " executive fraud department '' had flagged my account and closed it. I was then told to wait for a letter in the mail detailing the reason for this closure.
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On XXXX XXXX, I called Wells Fargo again to inquire more about the situation and see how it would be reported to the credit bureaus. I was told that if I still wanted the credit account, I would need to fully apply again. I was also told that this account would still be reported to the credit bureaus as opened for one month, despite the fact that I never used the account and had never even received the card for the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the reported information on my credit reports regarding the XXXX XXXX Account # XXXX. The dates of last activity for this account are reported inconsistently across XXXX, XXXX, and Equifax as follows : - XXXX : XX/XX/2019 - Experian : XX/XX/2019 - Equifax : XX/XX/2019 These inconsistencies directly violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires that " 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. '' This inaccurate reporting is negatively impacting my good name, character, and my ability to qualify for new credit. The persistent discrepancy raises concerns about the reliability of the furnisher of this information. I call attention to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which states that a consumer reporting agency must " conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate '' upon receipt of a notice of dispute from a consumer. To date, the action taken by your agencies has failed to rectify the inaccuracies identified and, as such, appears to be in breach of this provision.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, I received a XXXX ( XXXX  ) notification that a friend was selling items for her uncle on XXXX who was going into a XXXX home. XXXX of the items was for a generation ( this person actually had XXXX generators for sale ). I inquired about a truck as well as the generator. My husband was a hard no for the truck, but we were interested in a generator as we have been considering one. My friend was selling it for {$500.00}, but only needed a down payment of {$300.00} to reserve it. I thought that would be great. I sent a down payment of {$300.00} through Zelle and then the account more or less blocked me. 

It turns out my friend had no idea initially her account had been hacked and someone was impersonating her. She feel for phishing scam about a month ago and has been trying to reclaim her XXXX  account with no success. 

Someone basically was impersonating my friend and scamming people for money based on them purchasing these items. If you sue Zelle it is not protected under Regulation E. 

I immediately contacted my bank, XXXX the same day I sent the money because the scammer blocked me immediately upon receiving the money. 

Today my bank sent me a letter stating that based on their investigation I authorized the transaction ( which I did to someone I thought was my friend and not someone impersonating her ) and that due to that my dispute was denied. 

Zelle is horrible and should never be used. I also contacted XXXX to install report an impersonation which is impossible as you cant talk to a person. I then reported them for selling XXXX which my friend also would never do and XXXX said it did not go against their policies. There is no one I can call at FB to say here this is not my friend. She has also tried and has basically lost her account. 

Both XXXX  and Zelle are the XXXX. My advice get rid of both.
Product: Credit card or prepaid card

I received an ad in the mail for a Bank of America credit card in XX/XX/XXXX. I decided to apply for the card online to use it for the promotional balance transfer APR. At the time of application I entered in two balance transfer requests. One to my XXXX XXXX XXXX XXXX and one to my XXXX XXXX XXXX XXXX. I was approved for the BOA credit card and received it in the mail on XX/XX/XXXX. On XX/XX/XXXX I tried to activate the credit card with the telephone electronic system but was transferred to a BOA representative. The BOA representative then told me that for some reason ( I was not provided with an explanation other than " to prevent fraud '' ) I would need to go into a BOA branch and provide XXXX forms of ID in order to activate my new credit card. I informed the BOA representative that the closest BOA branch was XXXX hours away and that I would not be able to activate my card. I then asked the BOA representative to close the BOA credit card because there is no point in having a credit card that I can not use. The BOA representative told me that I would have to go into a branch with two forms of ID in order to close the BOA card. This is a very important part here... I asked the BOA rep if my balance transfers would still go through and she said " No '', I reiterate that I was verbally informed by the BOA representative that without activating the card, the balance transfer requests would not go through. With this information, I decided to not pursue the BOA card activation any further, and planned to go into a BOA branch to close my BOA credit card the next time I am in a city with a BOA branch ( that could be 6 months to a year from now ). With the information that my balance transfers would not go through, I went into a XXXX XXXX  branch the next day and applied for a XXXX XXXX XXXX XXXX with a 0 % promotional balance transfer option. I was approved for the credit card in XX/XX/XXXX and soon thereafter I saw the balance transfers pay off my XXXX XXXX credit card and XXXX XXXX XXXX XXXX. Now, today on XX/XX/XXXX I went to review my XXXX and XXXX cards to make a monthly payment and I see that both cards have a large overpayment balance. In a review of the balance history ( and a review of my XXXX XXXX XXXX and history ) I see that Bank of America DID extend a credit balance and balance transfer to my XXXX XXXX and XXXX XXXX  EVEN THOUGH I was verbally told ( probably on a recorded line ) that those balance transfers would not go through and that I couldn't even activate my card. Because the card is not activated, I can not even get on the app to review histories. I am sure that I was also charged a balance transfer fee. I want Bank of America to close the card and recall any funds they advanced ( I feel without my permission at this time since I was told the balance transfers were not going to happen ). I want them to reverse any balance transfer fees as well
Product: Credit reporting or other personal consumer reports

Transunion credit reporting agency remove one XXXX account and left the. XXXX letter states they are not reporting on nether account. I received the letter from XXXX credit and forward same Letter to Transunion credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Federal Loan that were being serviced by XXXX who is no longer in business, I have disputed the accounts with XXXX XXXX, Experian, XXXX, XXXX, XXXX, each company keeps verifying these accounts as active and balances correct. XXXX phone is always busy and from a search it says they are closed. so how can they be verifying these accounts as correct, active with a balance when they don't. I've been disputing these accounts since last year when they were paid off and closed.
Product: Debt collection

I submitted a dispute as advised by XXXX XXXX on XX/XX/XXXX for the validation of the debt owed to Penn Credit Corporation since I had no knowledge of this account, on XX/XX/XXXX I received an un-dated letter stating my debt was verified but not validated. I requested full debt validation documents which constitutes legal validation, the documents requested were as follows : -Complete payment history, the requirements of which has been established by XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX. For the entire amount of which allegedly owe obtained directly from the original creditor. 
-Date of last activity -My full, complete, and correct social security number that may help identify me as the correct person this debt should be collected from. 
- Agreement that bears the signature of the alleged debtor wherein I agreed to pay the original creditor -The obligation between myself and Penn Credit Corporation that allows collection of the alleged debt and any transactions between myself and Penn Credit Corporation XXXX binds me to an agreement to pay Penn Credit Corporation -Proof of US Government issued photo identification that was presented at the time of incurring this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported me as late for XXXX and XX/XX/2023 for a missed payment in XXXX and that is incorrect 100 %. My personal account was overdrawn briefly due to another company and meanwhile nothing was able to come out of my account. XXXX, sent me a message stating that I missed a payment and I had 60days to pay before it is reported as late. I logged into the app and made a payment well before 30days to assure myself. It is XXXX and they have taken 6 payments out my account since XXXX meaning that XXXX was paid. Out of 6 payments why wasn't XXXX deducted from XXXX of them or when I logged in to pay via app. I spoke with them, and they advised me it was nothing they could do to fix the mistake and to contact the bureaus. I did and XXXX said the information was accurate, but it can't be because I have proof the payments came out my account. Please help me update these payments XXXX current and not late. 

15 USC 1682 Section 604 A states a consumer reporting agency can not furnish an account without written instructions.

15 USC 166B also states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

They not only improperly reported me, they also broke the law.
Product: Debt collection

This complaint is regarding Portfolio Recovery Associates, LLC ( here after referred to as PRA ). PRA is attempting to collect on debt ( s ) in which they say I owe them totaling up to {$10000.00} for 12 accounts. Ive made numerous attempts by sending certified letters via mail on XX/XX/2020 and XX/XX/2020 to PRA requesting them to provide me with certified copies of these accounts and any viable evidence showing VALIDATION ; that is competent evidence bearing my wet signature, showing that I have or ever had some contractual agreement with PORTFOLIO RECOVERY ASSOCIATES, LLC. PRA are reporting fraudulent tradeline accounts to my credit reports that has and continues to impact me severely. 

Moreover, PRA has not provided me with sufficient documents in regard to a contractual agreement between myself and PRA stating that I owe the above-mentioned amount of debt. This is not sufficient and compliant of federal laws under the Fair Debt Collection practices, the Fair Credit Reporting Act, and the corresponding local state laws.
Product: Credit reporting or other personal consumer reports

My identity and information was used without my authorization. There are several inquires on my report that I did not authorize. Please investigate and remove all unauthorized inquires on my credit report listed below XXXXXXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX
Product: Debt collection

The original debt was {$140.00} which was recently satisfied. Now I have Firstsource Advantage , LLC at XXXX XXXX XXXX XXXX, XXXX, NY contacting me regarding the same debt being {$320.00} and additionally sending my personal and private financial information to the attention of someone who was not associated with the account at all. The account was opened under my business name with one owner, myself. I find this to be a violation of my private information regardless of who it is.
Product: Credit reporting or other personal consumer reports

I am a victim of the Equifax data breach, and my personal information has been compromised. Several accounts were fraudulently opened or affected, which I did not authorize or initiate. These accounts are now causing potential harm to my credit report, and I am requesting immediate assistance to have them blocked and deleted pursuant to 15 USC 1681c-2 ( a ). The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX I am concerned about the negative impact on my credit report and potential exposure to identity theft due to this breach. I am requesting prompt action to block and remove these accounts from my credit report in order to prevent further unauthorized use of my information and to maintain the integrity of my credit file.
Product: Debt collection

In 2019 I got married and moved from XXXX SC to XXXX SC. I paid everything that I owed XXXX  and closed my account. After the move I was contacted by XXXX about equipment and I asked for a return label and was provided one. I took all of the equipment that belonged to XXXX  to the XXXX Store in XXXX SC and returned it as directed. AFTER all of the equipment was returned to XXXX  they then charged me for the equipment, " NOT BEFORE " or did they even mention a charge until after the return was made. I refused to pay for equipment that I had already returned and they turned me into a collection agency and it has negatively effected my credit report in which is otherwise perfect. I have tried to call XXXX  to discuss this issue and they will not take my call because " I do not have an active account " with them. I have contacted IC Systems Collections and explained and " it has been disputed " with them. I have also " disputed " this with XXXX  without any results. Please stop XXXX  from negatively effecting my credit report without due cause.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.