23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had previously filed a complaint against Zions Debt Holdings on XX/XX/year> [ Complaint id # XXXX ] and got a response that did NOT address my concerns or questions further violating the Fair Debt Collection Practices Act ( FDCPA ). In that complaint I have stated that they are claiming I owe a debt and reported it to consumer reporting agencies without giving me, the consumer proper notification of the debt. They claimed that they do not need my permission to purchase a debt however they do need my signature to make it collectable as described by the Federal Trade Commission ( FTC ) and Uniform Commercial Code 3-203. I stated that I wanted evidence that they followed the procedures of the FDCPA by providing the following ; The green return receipt/card bearing my signature that proves they notified me of the debt 5 days prior to reporting, the purchase agreement, proof they are both licensed to collect and bonded in Hawaii where I reside. To date they have NOT provided any evidence beside an agreement I have with vivnt which show ZERO proof that they are authorized to collect. They did NOT provide enough evidence to support their claim which violates the FDCPA, not to mention the Fair Credit Reporting Act ( FCRA ) as they are reporting an unverifiable account to consumer reporting agencies. Lastly as stated previously, they are not listed on XXXX.
Product: Credit reporting

I was issued a tax lien in XXXX for the XXXX tax year in the state of XXXX Although I was in XXXX, I was active duty military and a legal resident of XXXX. I paid state taxes to XXXX lived in military housing, and shopped on base. I was physically on a XXXX 9 months out of that year and rarely stepped off federal property. I would like this lien removed, as it is a black eye on my credit report that I am trying so hard to repair and maintain. I want to make a home purchase in the very near future, and this is affecting my ability to obtain a mortgage. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I reviewed my credit and noticed XXXX XXXX was reporting as an outstanding collection account. The same day I mailed a debt validation notice requesting the method of verification for this alleged debt. I received no response. In XX/XX/XXXX, I sent a second letter via certified mail with a second request for a method of verification/debt validation. I also requested specifically what method of validation did the credit bureaus receive to determine the debt was valid.I requested the credit reporting agency provide copies of whatever information the collection agency provided to validate this debt and if the documentation could not be provided, I respectfully requested for the item to be removed from my credit report. As of today, XX/XX/XXXX, I have not received any of the requested information and the debt is still reporting negatively on my credit. Secondly, XXXX XXXX currently does not have a valid business license in the District of Columbia. The District of Columbia requires each entity conducting business in the District to have a General Business License from the D.C. Department of Regulatory Affairs. I would like XXXX XXXX to validate the debt by providing an original contract with original signatures, detailed proof of title, and provide a valid General Business License as required by DC LAW 47-2851.03d. If the documents are not provided it is in direct violation of FDCPA section 809.
Product: Student loan

osla student loan amount of XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22, I informed the company Experian of reporting inaccurate information on my consumer report. Ive disputed the validity of XXXX XXXX XXXX, requesting proof of my signature to confirm that this assumed debt is mine. Ive requested this information numerous times and have never received any pertinent information. The account is reporting as paid for a collection/ charge off but does not include in the comments that the account is disputed. The payment history on the account is also reporting inaccurate information. On another account reporting by Experian is XXXX XXXX, there is inaccurate/ unverifiable information reporting including the account status ; the date open ; the last reported date ; the comments ; date last active ; date of last payment ; and payment history. I've requested the method used to report these accounts to my Experian report, as the consumer what authorization was given for these accounts to be reported, I want the entire file on these accounts to include my signature on the original contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA has stated that my account was paid late XXXX time ; XXXX days. 

After talking to many customer service reps, I was finally told on XX/XX/22 that USAA has had issues with their computers resulting in false XXXX day late payments. 
I was informed to dispute these with the credit bureaus. USAA did not investigate or fix the issue. ( XXXX day late payment on ALL XXXX of my credit reports ).
Product: Credit card

On my XXXX bill I have XXXX interest charges. XXXX for {$1.00} interest based on an average daily balance of {$110.00} at 20.24 % and a second for {$9.00} interest based on an average daily balance of {$1200.00} at 9.99 %. I believe both of these work out to a 28 day period. I called the Citi credit card customer help line ( XXXX ) on XX/XX/XXXX at approximately XXXX pm requesting the detail mathematical calculation of these XXXX average daily balances that are used to calculate these XXXX interest charges. The initial Citi responder indicated Citi could not provide the detail calculation of these XXXX average daily balances, either by email or mail. I asked for a supervisor. XXXX XXXX XXXX XXXX # XXXX of the Arizona area ) also stated that Citi was unable to provide the detail calculation of the XXXX average daily balances used to calculate the XXXX interest charges. 

So, it is left to the credit card holder to verify the correctness of the calculation. I do not believe that this is correct. Since Citi is charging me the interest, they should be able, upon my request, to substantiate the charge in detail and not just provide an oral definition of how to calculate interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached. 

I am confused about the reporting of this closed account? Says " XXXX LATE PAYMENTS '' but has a first date of delinquency XX/XX/2022??? This is hurting me right now, as it is preventing me from purchasing a home. 

Correct this or remove this account off of my report completely, immediately. 

If you can not accurately report then I do not give permission for this account to be on my credit profile. 

15 usc 1681 ( b ) ( 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNT XXXX  XXXX never late DEPTEDXXXX XXXX not mine DEPTEDXXXX XXXX not mine DEPTEDXXXX  XXXX not mine DEPTEDXXXX XXXX not mine DEPTEDXXXX XXXX not mine DEPTEDXXXX  XXXX not mine DEPTEDXXXX XXXX not mine DEPTEDXXXX XXXX not mine DEPTEDXXXX XXXX not mine DEPTEDXXXX XXXX not mine DEPTEDXXXX XXXX not mine DEPTEDXXXX XXXX not mine DEPTEDXXXX XXXX not mine DEPTEDXXXX XXXX not mine DEPTEDXXXX XXXX not mine XXXX   XXXX not mine XXXX XXXX XXXX  CC XXXX not mine US DEPT ED XXXX not mine US DEPT ED XXXX not mine COLLECTIONS 08 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX  XXXX not mine
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. Your agency is in violation! 
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 XXXX 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 or other personal consumer reports

Transunion is stalling, saying they will not investigate my dispute .. that is against the FCRA laws.
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 XXXX XXXX XXXX Re : Account XXXX. XXXX ( XXXX ) Re : Account XXXX. XXXX XXXX ( XXXX XXXX ) Re : Account XXXX. XXXX XXXX ( XXXX Bank ) Re : Account XXXX. XXXX XXXX ( XXXX Bank ) Re : Account XXXX. XXXX XXXX ( XXXX Bank ), has violated my rights. 

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

15 U.S.C. Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C. 1681 ( a ) ( XXXX ) 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. 1681sXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a 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

There is incorrect personal information on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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: Debt collection

On XX/XX/2020. I received a small claim case No # XXXX from justice court of the State of Texas, XXXX County precinct 3. The plaintiff is Midland Funding LLC sue me and demand for payment amount of {$6700.00}. However the person reference in the citation have same name but not me, the social security number does not match mine, the address listed in the citation which I have never lived at, also I have never opened an account with the bank in the citation. 
I have contacted the plaintiff attorney through email with this information on XX/XX/2020 but a company Midland Credit Management still send me letter on XX/XX/2020 which a request of payment. 
Please contact me to advise the steps needed to stop send letters and dismiss this case. 
Thank you. 

XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/19 XXXX XXXX charged two unauthorized debit card transaction ( {$370.00} & {$200.00} ) to my Regions debit card. On XX/XX/19, approximately XXXX XXXX   CST, I contacted Regions bank to advise that these transactions were not authorized and I was disputing them. I explained to the rep the reason I was disputing these transactions and she filed a dispute for the charges. I was told that it would take 7-10 business days for them to process it. I never received a letter in the mail so I contacted Regions again on XX/XX/19. I spoke with a female rep that advised me that my dispute/claim had been denied and I would receive a letter in the mail. I requested to speak with a supervisor. The supervisor stated that I would have to wait on the letter explaining what I should do to appeal the denial. I requested for a email address or a number to contact someone in the debit card dispute department and he provided me with an email address XXXX. To date, no one ever responded to that email that was emailed on XX/XX/19. On XX/XX/19 I went into a local branch and spoke with XXXX XXXX. I advised that I had not received a letter regarding my denial. She stated they normally do not send out letters. I advised her that I was told by the supervisor I spoke with on XX/XX/19 that I would receive one. She reviewed my dispute and stated that it appeared as if the rep filed it as fraud instead of a debit card transaction dispute. She submitted a ticket to have my claim reopened and she stated that it would take 5 more business days. I have now been told that they will not be able to credit back my account because I owe the company that took the funds from my account. I advised that XXXX XXXX did not have authorization and I have been going back and forth since this issue occurred. I do not have anything in writing as I have been speaking verbally with them each time that I have contacted them. The last rep I spoke with at XXXX was XXXX and I explained to her that XXXX took the payments without my authorization. I have withdrawn all authorizations to XXXX XXXX and the do not have permission to access my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX is reporting a collection account for XXXX XXXX XXXX  XXXX CA.  It shows date of last activity XX/XX/XXXX. I have informed them and XXXX that this is in error. The date of last activity was in XX/XX/XXXX and as such it is well beyond the limits for reporting according to FCRA. I have disputed this account and it is ignored. I have requested validation of this account and it has been ignored. This account should no longer be reported on my credit.
Product: Credit reporting or other personal consumer reports

These inquiries do not belong to me, Please remove all the hard inquiries for me. 

Unauthorized fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ( XXXX ) XXXX XX/XX/year> To : XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Request for Removal of Unverifiable Debt from Credit Report Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, or XXXX ]. This request is based on the recent deletion of a disputed account from my XXXX credit report. The account in question was a charge-off of {$700.00} from XXXX XXXX XXXX that I disputed, and as of XX/XX/year>, XXXX has completed their investigation and removed the account entirely from my report. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. Since XXXX has deleted this account due to its unverifiability, I am requesting that you also remove this account from my credit report. The deletion by XXXX indicates that the account is no longer verified, and thus, under Section 607 ( b ) of the FCRA, you are required to ensure that the information you report is accurate and complete. Also Fair Credit Reporting Act ( 15 U.S.C. 1681.

I encourage you to take action within 30 days to remove this unverifiable account from my credit report. Failure to do so may violate the FCRA and could result in legal action. Under Section 616 of the FCRA, I have the right to seek damages if you willfully fail to comply with the law. 
Please confirm the removal of this account in writing, and let me know if you require any further information to assist in this matter. 
Thank you for your prompt attention to this issue. 
Sincerely, XXXX XXXX XXXX XXXX Consumer Laws- Fair Credit Reporting Act ( FCRA ) - Section 607 ( b ) - Mandates that consumer reporting agencies must ensure maximum possible accuracy of the information they report.

- Section 616 - Provides consumers the right to sue for damages if a credit reporting agency willfully fails to comply with the FCRA. Make sure to fill in your personal information and the name and address of the credit reporting agency ( CRA ) you are addressing this letter to.
Product: Credit reporting or other personal consumer reports

as a consumer, I did not conduct any of those transactions I did not authorize any of those I demand immediately that those accounts be removed or each account that is reflecting on to my report, I will restart requesting {$1000.00} for each inaccuracy that has been reported onto my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi CFPB, I recently found that there are certain incorrect accounts showed up on my Equifax credit report. 

All those accounts are XXXX  XXXX XXXX and showing that they are all open in XX/XX/XXXX or so. 

The truth is I never do business with XXXX  in my life and my first time Arrived in the US was XX/XX/XXXX. I had my first credit card around XX/XX/XXXX. 

I do believe I am the victim of the Equifax data breach and please kindly review that and take the right actions. 

Thank you
Product: Money transfer, virtual currency, or money service

I am of legal age required to obtain an unrestricted financial services account ; that allow a person to send and receive money, money can be withdrawn and a prepaid debit card can be issued for said above account. It is unclear to me how long I held the account before the action was taken. 

Cash-app took an action against my account that was unfavorable for reasons to broad and or ambiguous for me to understand. I contacted them by way of chat and requested to know the specific reason detailed that my account was suspended followed by closed without contacting me, in a timely manner regarding this claim against me, providing me with Due Process Protection under the law. Furthermore, I have contacted them numerous times on different occasions trying to find out exactly the reason for the closing of my account, and wanted them to provide me a reason for not contacting me in advance regarding this said issue that caused the closure.

In addition to the run around whenever I contact them. I believe I am a victim of unfair business practices in which my guaranteed protection under the Constitution of the United States was violated in a way that is malicious and unconstitutional. 
I am again formally requesting the specific reason for the closure and the evidence of me willfully ignoring and violating cashapp policies.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I'm disputing this compliant because I applied to an apartment and I was denied because of inaccurate information on my credit file. I am a twin sister and i have been having a lot of problems with my credit. My twin name is XXXX XXXX XXXX SS # XXXX. 
( Report ID # XXXX ). XXXX XXXX XXXX ( XXXX ). 

1.I am disputing XXXX XXXX XXXX I only have a debit card, and never had a charge off with them. Date XX/XX/16. Amount {$9500.00}. 
2. Portfolio- XX/XX/XXXX- I am disputing - I have never had an account with them. Amount {$410.00} 3. XXXX XXXX- I am disputing because i never had an account with them. Amount {$650.00}. 
4. XXXX XXXX XXXX XXXX I am disputing I never had an account with them. 
Amount {$250.00} I am also disputing the inquires on my account from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 
Please forward correspondence to my address at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found account on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent account from my credit report as soon as possible. SEE ATTACHED.