23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have never done any business with you. I am unaware of any contractual agreement or obligations to pay you. This is my final warning and NOTICE to you. I refuse to pay this alleged debt. Please remove my non public personal information from your database or system of records. I did not consent to any storing, sharing, using or profiting from my non public personal information. Please note any violation of my consumer rights under the FDCPA and/or FCRA you shall be liable pursuant to 15 USC 1692k and any other applicable laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was was alerted by XXXX that there was a new loan on my credit file, I tried to contact chase bank and they would not really help me I mention to them that this is fraud and they would not even flag account as fraud, they mention someone name.
Product: Credit reporting or other personal consumer reports

This agency violates 15 USC 1692g. They were to notify me of this in writing 5 days prior, but I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : *List of accounts to be deleted : XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXL XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX OF XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX The reporting of these accounts ) is/are violations of 15 USC {$1600.00}, and the Fair Credit Report Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : consumer report So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), " credit card '' is defined as the following : This makes your social security card, driver 's license/ID, and license plate credit cards that are/were used ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( XXXX ), the term " " Does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The term " credit card '' means any card, plate, coupon book, or other credit device existing to obtain money, property, labor, or services on credit. for the extension of credit. I demand these accounts be Deleted from my credit report Immediately. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit card or prepaid card

in accordance with The Fair Credit Reporting Act. This creditor has violated my rights under 15 u.s.c. Anyone section 602 States, I have the right to privacy 15 USC, 1681 section 60 for a section 2. It also States a consumer reporting agency can not furnish at a kind of count without my written instructions under 15, USCS 1666. Be a creditor may not treat a payment on a credit card account. Under an open end XXXX XXXX plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

I am writing to formally express concerns regarding zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. the CFPB finding indicate that zelle not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams.
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX XXXX I received various notifications regarding a hard inquiry on my credit report. I contacted the company and they confirmed that an account had been opened using my information. Upon further research and comments from the company, an unrequested live check was was sent to my address in an effort to induce me to accept a high interest loan. This loan was opened and reported to the credit bureau without any verification of the identity that the person that negotiated the instrument. In fact, they company was unable to even provide any information regarding where the instrument was negotiated but had already used my social security number to set up the account.. When I requested a copy of the check because it is fraudulent, I was told that I must submit a police report. If I can not get this information without a fraud report then they can not say that this is my account that entitles me to all the information that I requested. Because of their carelessness, I have had to file police reports, fraud alerts, and IRS PINS in order to protect my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a fraudulent collection account that has been reported to my credit report by XXXX XXXX XXXX XXXX, doing business as XXXX. The account in question has the account number XXXX and the original creditor listed as XXXX XXXX XXXX. 

I believe that this account is fraudulent and the result of identity theft. I did not open this account or incur the debt associated with it. I have already taken steps to report the identity theft to the relevant authorities and have filed a police report. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and remove this fraudulent account from my credit report as soon as possible. I am also requesting that you provide me with written confirmation that this account has been removed from my credit report. 

I have attached supporting documentation to this letter, including a copy of my police report and any other relevant documentation. If you require any further information from me, please do not hesitate to contact me. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/1975
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

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

I sent letters to the TransUnion Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXXXXXX Balance {$15000.00} XXXX XXXX Balance {$2600.00} XXXX XXXX XXXX Balance {$2400.00}
Product: Credit card

On XX/XX/XXXX, I sent through CFPB XXXX Case # XXXX XXXX, a dispute on an unrecognizable entry XXXX Discover credit card, joint account ) on my credit file that was not mine. 
After Discover 's investigation, on XX/XX/XXXX, I received Discover 's final response ( through CFPB ) which reads in part as follows : " Based upon your assertion that you were added to the account without your knowledge, as of XX/XX/XXXX we have removed your name from the account and sent updates to the credit bureau reporting agencies requesting that the account be removed from your credit files. Please allow some time for this update to reflect on your credit reports. The Credit Bureau Reporting Agencies that we report to are XXXX XXXX, XXXX and XXXX. " On XX/XX/XXXX, about 7 months later, I contacted XXXX to make sure they did what Discover requested them to do and that was to remove the Discover listing from my credit file. It was not done. To find out why it was not removed, XXXXat my request, XXXX sent my dispute reinvestigation request to Discover and Discover responded XXXX via XXXX XXXX which reads as follows : " We verified that this item belongs to you. Additional information has been provided from the original source regarding this item. " I do not know what 's going on here. The Discover letter XXXX dated XXXX/XXXX/2014 ) I received and the Discover representative assigned to investigate my dispute through CFPB case # XXXX, that the case was closed ( desired resolution in my favor ) and that Discover has removed my name from the account and sent updates to the credit bureau reporting agencies requesting that the account be removed from my credit files. 
So with all that being said, why is Discover saying that the account belongs to me when they stipulated in the closed resolution letter dated XX/XX/XXXX enclosed, that they had taken action to remove my name from the account and so forth as stated above. 
There seems to be communication problems within Discover for the reason this action should have been taken care of months ago. ( removing my name from account and XXXX removing Discover listing from my credit report ).
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2800.00}
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report today, and I am completely at a loss as to why theyre there. I checked my report as I usually do, but this time, discrepancies appeared out of nowhere. I even refreshed my browser to rule out a glitch, but the inquiries remained. I urgently need this matter addressed by reviewing the documents Ive sent, so I can finally stop worrying about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process so stop sending me letters saying that this is not me this is me. I sent letters to the Credit Bureaus 89 times to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE This FOLLOWING account COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  this collection isnt mines yall should be ashmed of yall self from destroying the character of my name now my life is ruined and im depressed I would like to complain about the misleading information in my credit report and I was totally surprised when I saw XXXX XXXX XXXX that has a balance of { XXXX } opened on XX/XX/2021 that is reported on my credit file. I don't have an idea why I got this account on my credit file since I'm not the one who open this account and this is not belong to me. NOT MINE! I already filed a dispute to each credit bureaus and filed an FTC affidavit please see attached.remove this now i demand u remove it now because yall need to stop playing with my report.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance XXXX : {$0.00} XXXX PM XXXX Balance Owed : {$15000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX  XXXX XXXX Owed : {$1400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$15000.00} XXXX XXXX  XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX in me, and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the fair credit reporting act, everything has to be % 100 accurate on my credit report and under 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting

TransUnion reporting agency is not updating my XXXX account. On XXXX XXXX 2016 i contacted XXXX XXXX XXXX department and they sent out a letter to all XXXX consumer reporting agencies instructing them to update my information. However when I contact Transunion on XXXX XXXX they said that it was not possible to update my information even though a letter had been sent from XXXX to do so. They refuse to update my account information to this day. Please see attached documents.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$32000.00} XXXX  XXXX Balance Owed : {$32000.00} XXXX  XXXX XXXX Owed : {$32000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion as normal makes it impossible to file a dispute. There is erroneous info about late payments on my report from XXXX XXXX XXXX on a car loan which has been paid by the insurance company. I tried to file a dispute and Transunion site just stops allowing me to continue every time. these hang ups are clearly a way to discourage customers and should be considered a severe violation. I 'm being refuse access to file disputes because of an ongoing failure of their site which they refuse to fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ; I sent a dispute letter to the company Equifax on XX/XX/XXXX regarding inaccurate and unverified public record on my credit report ( bankruptcy ) I asked Equifax to investigate for me and give me the method of how they verified the account. Not only have I not heard from them at all about this account but they have not conducted the investigation within a timely manner within the 30 day period. Please have them delete this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom may concern, i never opened a XXXX  account get help with my credit score. if possible i need this credit taking off my credit report.and have a boost to my score for this matter that also took my score down a lot of points...
Product: Debt collection

On XX/XX/ Credence was notified of fraudulent account. Credence was sent all necessary documentation to verify fraudulent account claim. Credence has violated FCRA by not properly investigating such account. They are required by law to delete any fraudulent account within four days of receiving claim
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2.

# # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : Unauthorized Inquiries : Unauthorized Inquiries : XXXX - XXXX Collection Accounts : XXXX XXXX - XXXX These accounts listed above have been inaccurately reported and should not reflect negatively on my credit report. The continued reporting of these accounts as collections is misleading and damaging, and it is a violation of my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. XXXX XXXX  XXXX XXXX XXXX XXXX 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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.

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for XXXX XXXX to validate my credit information. At the time in XXXX XXXX I found four items that were incorrect on my XXXX credit report. I immediately, did an online dispute for the four incorrect items. 30 days later, I received an email from XXXX XXXX notifying me that three of the four items were removed. The XXXX item was not removed as the company stated that the item was indeed correct and mine. I called, XXXX and spoke with an associate who submitted a new dispute for me requesting that the company, XXXX XXXX provide me with proof that the item belongs to me. The dispute was done on XXXX on X/X/17, I received and email from XXXX stating the dispute was complete and that the item was confirmed by XXXX XXXX. <P/>I called XXXX XXXX on XXXX/XXXX/XXXX and was transferred four time to no avail. On XXXX/XXXX/XXXX. I called XXXX XXXX again and finally spoke with XXXX in the personal loans department. I explained to XXXX that I was trying to get information on an item listed on my credit report that I know is not mine. I advised that my credit report lists the item as an Automobile loan with a partial account number of XXXX though when I spoke with someone from XXXX XXXX in auto loans they could not help me. <P/>XXXX advised me as follows : The loan is actually a secured personal loan and was opened XX/XX/XXXX. He also stated that an automobile was used as collateral. I asked him to advise me of the make and model of the car used as collateral but he could not tell me.I asked for proof that this account belongs to me ; a copy of the signed document in an effort for me to compare signatures, XXXX placed me on hold to confer with his supervisor. XXXX came back to the line and asked for my address as he had to submit a formal request to have the documents mailed to my address. XXXX was not able to could not provide an eta on how long it will take to receive the documents or what the documents will consist of. <P/>Please help me as I am certain that I did not open a secured loan with XXXX XXXX in XXXX. XXXX XXXX is unable to provide me with any proof that the account belongs to me. <P/>Thanks in advance. XXXX XXXX