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

I am writing to bring your attention to a matter that requires immediate resolution. This is my third request for Experian to update my information. It has come to my attention that you have listed addresses that are not affiliated with me and have never been. Furthermore, my current address is not even accurately listed. 


I kindly request that you remove these inaccurate addresses that have no connection to me. I have already provided you with the necessary documents to support my claim. It is important to note that in accordance with the Fair Credit Reporting Act ( FCRA ), I expect a thorough investigation into this matter. I urge you to promptly remove all inaccurate information and update it with my current and accurate address. 


I understand that maintaining accurate credit information is essential for both individuals and credit reporting agencies. Therefore, I appreciate your attention to this matter and your swift action to rectify the inaccuracies. I kindly request that you update my information as soon as possible and provide me with a confirmation of the changes made. 


Thank you for your prompt attention to this matter. I trust that you will handle it with the utmost professionalism and efficiency. I look forward to receiving a positive response from you. 


Yours sincerely, XXXX XXXX
Product: Credit card

XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX SC XXXX Date : XX/XX/year> Reason : Investigation Request To Whom It may Concern, I received a copy of my credit report with the intention of trying to gain a better understanding of my credit score ( XXXX, XXXX, XXXX ) and see what accounts I had listed on my reports. I know it is my responsibility to monitor my credit report and take responsibility of what is on my credit report. Upon reviewing my report I noticed some inconsistencies in information showing. Im not sure if the information is supposed to be listed this way. Read that under the Fair Credit reporting Act that as a consumer I have a right to have my credit report Investigated for inaccurate information that is being reported. I am not familiar with the laws but or you familiar with something called 15 U.S.C. 1681i ( a ) I read that if you can not provide proof of why account or listed inaccurate on my credit report then you must delete the item. This is what actually got me to send you this letter because I was to make sure that the information on my credit report is reporting correctly. So Please investigate the following account for inaccurate information.1 ) XXXXNavy Federal CU Account XXXX XXXX ). Navy Federal CU account number-XXXX XXXX )XXXX XXXX XXXXXXXX XXXX XXXX  account number-XXXX XXXX ) XXXX XXXX XXXX account numberXXXX XXXX ). navy federal credit union account numberXXXX XXXX ). XXXX XXXX account numberXXXX i request that you complete a fair investigation into this matter and update my credit report and it is vital that the accuracy and intergrity of my credit history. I do not have any other names or aliases and I do not desire any other names or aliases to be retained or reported on my credit profile. I do not have any other address or addresses associated with my name other than the address listed above. Please remove all the other addresses, names, social security numbers and phone numbers from my report, as they are not deliverable to me by the XXXX XXXX XXXX, or they are not associated with me and are not reportable as per FCRA, since they are inaccurate. Please send me my updated credit report showing these corrections made. Looking forward to your response Thank You
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against CREDIT MANAGEMENT. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact. Please remove this collection from my credit report.
Product: Debt collection

A robo call comes in several times a week that disconnects if the phone is answered and only leaves a recorded message. The incoming number caller ID is different everytime they call. The message identifies the caller as Rsi Enterprises inc claiming it is trying to collect a debt. I have no debt and do not know this entity. 
Several years ago my family information was compromised and someone tried to file a tax return. These calls started shortly after that. So this could be related to the same criminal activity.
Product: Debt collection

please see attachments for FDCPA, FCRA, GLBA violations committed against me in commission of a fraudulently coercing a payment of a debt that is not owed and can not be effectively validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the information on my consumer report. This does not belong to me
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. 

List of Unauthorized Inquiries : SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 informati
on, 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: Credit reporting, credit repair services, or other personal consumer reports

On, XX/XX/2019 at XXXX EST, I placed a call to MONEYLION using the number ( XXXX ) XXXX and due to the extended hold times accepted the option for a callback. The call-back came in at XXXX EST, on XX/XX/2019 from ( XXXX ) XXXX, and I spoke to representative named # XXXX. I informed the representative that I had previously attempted to call the company, in order to update my banking information, as I was a victim of Identity theft/fraud, but after holding on the line for well over 45 minutes, I was unable to reach anyone. I then immediately inquired about the account and was told the account was past due, which I was not aware of. 
I inquired about the previous payments and the full payoff amount for the account and was given several different pay-off amounts for the loan. Respectfully, I felt extremely uneasy about the information provided by this representative and requested to speak to a manager. I was told a request would be submitted and to expect a return call within 24-48 hours. I never received a return call from a manager and decided to send a certified debt validation letter ( enclosed in the attachments ) on XX/XX/2019, as the company had reported late payment information to XXXXXXXX XXXX XXXX 
As of today, XX/XX/2019, I have not received any correspondence from MONEYLION. On XX/XX/2019, I made payment for the remaining balance on this account. ( enclosed in the attachments ) However, I was alerted that MONEYLION reported additional unverified negative, late payment information to the credit reporting agencies listed above, further damaging my credit report. MONEYLION is in violation of federal and state crediting reporting laws, i.e. FCRA Section 623 and in addition, has what appears to be intentionally and willfully, defamed my character. Under law these actions may constitute fraud.
Product: Credit card or prepaid card

Good Afternoon, This complaint is about Apple store credit card. I've made one single purchase with his card, my XXXX XXXX back in XX/XX/2020. Since the first statement and payment i had trouble with them.

1. Costumer servile is no reliable. For each issue I had, I need to ask at least 3 times, to get a help and most of the times, the issue wasn't resolves.

I signed up for installment payments, but the first payment I had to pay taxes in full plus the amount of a monthly installment. It was charges twice. I paid and they also make a automatic payment. I went to web site to see my payments, we can not check or see scheduled payment. That leads you to make a 2 payments monthly.
Again the support wasn't helpful, making us, costumers look like a foul.

2. I had another issue when a monthly payment was made twice, in the  middle of the pandemia, XX/XX/2020, have the very same trouble with costumer support, Apple credit cart /

Goldman Sachs. It also showed that I did not paid the card and show late payment. But I ha paid it twice. I have pictures of that. So I had to borrow money to make a 2 time payment to solved the problem. Right after that I transfered my balance from this credit card to another one. I waited about two months and I close the account. I get this account closed, i had to reach out to them five times, four through text message and one via phone call. Its unbelievable how miss managed and mis informed the costumer assitances are.
Attach all text messages with Apple and Goldman Sachs, starting  XX/XX/2020 until XX/XX/2020. 
Thank you for your attention. 
XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2021 I ( XXXX XXXX ) leased a new XXXX XXXX XXXX from XXXX XXXX in XXXX, FL. The Finance company is Southeast Toyota Finance.

The first payment needed to be made after the invoice was received then the auto pay could be set up. 
We sent the first payment on XX/XX/2021, It was received and cashed on XX/XX/2021. 
I then set up autopay to start for the remainder of the lease payments commencing on XX/XX/2021. 
I started receiving phone calls from Southeast Toyota Finance as of XX/XX/2021 saying they had not received our payment and we needed to submit asap. 
After 22 phone calls between 2 phones, speaking with 6 representatives who said they would rectify after I had the bank fax the proof to them, nothing. The calls keep persisting multiple times a day. No one there is taking care of and now it is on our credit bureau report. I need help since they seem to be incompetent and this is effecting my life daily. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to 1,000 dollars per violation and clearly they violated my rights.

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. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case remove off my credit report I also sent in certified mail I didn't get no response im asking for this to get remove off my credit im trying to buy me a house and this is stopping me
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in the State of North Carolina rented a residential property in XXXX during the Covid 19 pandemic using my information and I was evicted the same year due to failure to pay rent. I have never been in the State of North Carolina before and I have never signed a residential lease for any property in the State of North Carolina. I have been living in the State of Florida since XXXX of XXXX and I have never moved to another State since then as we can verify thru my address history record showed in my credit report and other documents. At the time of this incident I was living at XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and my employer was located in XXXX XXXX, FL. 

Im requesting to kindly please remove this collection/charge off record off my credit report opened on XXXX of XXXX in the amount of {$9700.00} due to this incident as this is affecting me and my family. 

Thank you and regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following financial institution known as XXXXXX/XX/XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX Phone XXXX XXXX XXXX XXXX This is an unauthorized inquiry I did not give permission or provide a signature for this inquiry in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that i have the right to privacy.

15 USC 1681 section 604 ( a ) section 2 it also states a consumer reporting agency or financial institution can not furnish an account without my written instructions.

I demand this unlawful inquiry be removed from my consumer report in accordance with the laws i have stated in this dispute and request a confirmation of compliance as well as a updated copy of my consumer report from all three credit bureaus, XXXX, XXXX, and Experian.
Product: Debt collection

This account was from XXXX XXXX which was discharged in a class action lawsuit against XXXX XXXX in XXXX. When the original debt was initiated I contacted their Arkansas law firm an worked out a deal to ay off the amount at {$5100.00}. I contact that firm, they asked for an explanation and if I objected to a plan. That's what we agreed too. When XXXX of XXXX came I contacted the firm again and let them know, per their advice, I reached out to XXXX  with a settlement request that I emailed, per the firms instructions, in an attempt to pay this debt off. The firm never responded to any communication from me. We were later notified that this debt was not to be collected on, reported to the credit bureau, or any negative items placed in public records because of the class action suit. The Arkansas firm, I contacted once more, to see if there was an agreed upon amount. Once again I received NO response from the Arkansas firm. Then in XXXX of XXXX I get notification from the firm in LA that there is a garnishment order against me. I called the debt collection office and asked to settle the debt, they asked me how much, I told them the original agreement was for {$5100.00} with the Arkansas firm that I'd not heard back from and since this was their partner in AR I'd like to just go ahead and pay off the original {$5100.00} debt and be done with it. I also asked for verification, from XXXX XXXX  of this debt to be sent to me, on XXXX XXXX LETTER HEAD so I could see the breakdown of the debt and what they were wanting me to pay. 3 times I requested that from the law firm/collection agency and all three times the only thing I received from them was a " Summation of Charges '' they sent me on their own letter head. I made the offer to pay at {$5100.00} and they refused stating that they had a judgement against me and that they wanted the entire {$8800.00}. I asked why we couldn't pay the agreed upon amount of {$5100.00} and I was told because the attorney wants all the money. I even asked for a payment record of what payments I had made on the account, several times, and not ONE TIME was I even sent any type of verification or record of payment on the account by the firm. When I called today to pay off the debt, they told me that they took credit cards and debit cards, I offered a debit card the man said he couldn't take it? I asked how they'd like for me to pay this he made me do a check by phone. I asked for a receipt of payment today to so the debt was paid off, they refused and told me that I would get a letter stating it had been settled in 25-30 days. That was the end of the conversation so I paid the amount off and hung up on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB complaint ID XXXX dated on XX/XX/2022, I XXXX XXXX XXXX Consumer, have notified the Credit Reporting Agencies Equifax XXXX XXXX, that the Inquiries that is currently being furnished on my Consumer Report is FRAUD and is IDENTITY THEFT and Equifax Information Services LLC , willfully and knowingly and intentionally broke Federal Law and Refuses to remove such FRAUD Inquiries AFTER Ive notified Equifax dated on XX/XX/2022 that the Inquiries is Unauthorized use and Identity THEFT!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! IDENTITY THEFT!!!!!!!!!!!!!! IDENTITY THEFT!!!!!!!!!!!!!!!!!!!!!!!! 

CFPB, this why its important you continue to sue the Credit Reporting Agencies, such as Equifax, XXXX, XXXX, because theyre going to continue to violate Consumer Rights and break Federal Law and shall be held accountable and prosecuted for their criminal activities. 

XXXX XXXX XXXX Equifax Information Services LLC CEO and Equifax ignorant employees willfully and knowingly and intentionally broke Federal Law Title 15 U.S. Code 1681s2 ( 6 ) ( A ) - Responsibilities of furnishers of information to consumer reporting agencies ( 6 ) Duties of furnishers upon notice of identity theft-related information ( A ) Reasonable procedures A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 

Being that Equifax Information Services LLC, XXXX, has willfully and knowingly violated Federal Law and failed to remove such Identity Theft Inquiries, I will file a lawsuit against Equifax, XXXX for willfully and knowingly violating my rights and Federal Law, and Fine the Consumer Reporting Agencies {$100000.00} ( PER VIOLATION ) for noncompliance under the Gramm-Leach-Bliley Act with prejudice!!!!!!!!!!!!!!!!!!!!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my 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 had repeatedly fail to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but also allowed repeat offenders to exploit the system, leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concern about consumer safety.
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 XXXX credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> someone opened a fraudulent XXXX card in my name and charged nearly XXXX XXXX. I froze my credit and was able to get the account closed, but it still had this outstanding balance. I called XXXX XXXX  NUMEROUS times to open a fraud case and I was always " disconnected. '' So I opened a case with XXXX & TransUnion. Meanwhile, I am getting collection calls daily from XXXX XXXX. When I was finally able to get someone from XXXX XXXX  to open a fraud case against this account, the calls stopped for a few weeks. When the calls began again, I called XXXX and they said their investigation concluded that I was at fault. They NEVER communicated this with me via mail or email. They then proceeded to verify information that was NOT mine. Their " investigation '' did not even include speaking to me and asking for verification to begin with. They told me the reason they came to this conclusion was because I also opened cases with the credit bureaus and that they would open another investigation that could take several weeks. They also asked me not to open any other cases with the credit bureaus which I thought was a strange request. I am submitting this complaint because dealing with XXXX is a very sketchy process and they have not done their due diligence to correct this fraud that has taken place in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted equifax in   XX/XX/XXXX   in regards to   XXXX   XXXX   XXXX   XXXX    and their deceptive tactics, practices, and acts which violates the laws of the federal trade commissions of fair debt collection practices acts of which debt collections agencies have to comply with in the united states.       XXXX   XXXX   XXXX   XXXX   have  XXXX  accounts reporting for the amounts of  XXXX ,  XXXX ,  XXXX  of the hospital   XXXX   XXXX   XXXX   XXXX    reporting from the following dates of   XX/XX/XXXX   on all  XXXX  amounts.     There w as  XXXX  in surance policies to cover medical expenses due too the vehicle crashes of which in both instances i was the victim not the driver of either vehicle in both crashes.     The hospital failed to correctly bill the insurances of both drivers in   XXXX  differenent vehicle crashes along with the  XXXX  insurance grants from the progra m called  XXXX  which is an acronym for   XXXX   XXXX   XXXX   XXXX  . My attorney was contacted directly in regards to all medical bills and the attorneys complied with federal laws but not   XXXX   XXXX   XXXX   XXXX  .     The Account   XXXX   XXXX   XXXX   XXXX   is based in florida last known address is   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   florida  XXXX  last known phone number is  XXXX . Their deceptive acts and practices are mind blowing and staggering as a junk debt collector which is evasive and deceptive in its communications, tactics, and acts which is why i am reporting them to the federal trade commission in order to have their license taken to do business under any other name or structure financially within the united states.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been disputed and removed from all three credit reporting agency in 2021. This company has been calling and sending notices trying to collect on this account. This account has reached its statue of limitations.