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

I have been requesting that Equifax remove inaccurate and misleading information to show my true credit history. To be able to do so, they would need be to do a thorough and proper investigation in a timely manner because this inaccurate item is hurting my credit history and score. This misleading information not only is a violation according to the provisions of 15 USC section1681I of the Fair Credit Reporting Act of 1970, but its also showing a consistency of showing inaccurate information compared to the other main credit Bureaus ( XXXX and XXXX ). The companys name that I am regarding to is XXXX XXXX XXXX XXXX. This company has no accurate information about me or my correct name on file or signatures on any documents that Ive signed showing that I am responsible for this collections or obligation. Nor does this company shows the correct address on file, but Equifax continues to report this inaccurate information on my credit report. The other two Bureaus do not report this inaccurate information of XXXX XXXX XXXX XXXX on my credit report. All Bureaus supposed to be consistent in reporting the correct and the same accurate information. I will be uploading all credit Bureaus reports to show the disparities between the reporting agencies. XXXX XXXX XXXX XXXX is not on any of my other credit Bureau accounts. I am not responsible for XXXX XXXX XXXX XXXX account, and it needs to be removed immediately because its false information on my credit report.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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

PLEASE BLOCKED AND REMOVED I urge you to swiftly remove these fraudulent accounts from my credit report. I did not initiate or authorize them, and it is unfair for me to be held accountable. Please take prompt action to rectify this mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

FDCPA 1692e misleading false reporting how can you validate/verify from the same source and have the last reported date and last actives date different on two different bureaus things are reporting inaccurately on my credit report I sent a certified letter to XXXX credit bureau 2 months ago and got no response here is my tracking number to prove they received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent i a complaint on XX/XX/21 but since i didn't put in an e-mail. I can't see the status. I sent a dispute to all 3 credit reporting agencies and they didn't respond in 30 days.
Product: Mortgage

EVERBANK was included in a chapter XXXX BK Case XXXX THAT WAS CONFIRMED. Immediate after confirmation the attorney advised that they had made an error and wanted to reopen the case due to transposing a number that would only bring additional hardship to the borrower. I made payment as ordered and they were returned due to the attorney providing the incorrect address. The servicer stopped taking my payments under the advisement of the attorney who wanted to reopen the case to attempt to force me to increase the agreed upon balance and therefore would not allow me to modify the escrow payments which they did not include in the confirmed BK payment for the mortgage or advise of escrow shortage or overage. 

My records show a payment each month made and being returned so the servicer attorney could request a stay of relief to correct the transposition error of a XXXX to a XXXX and thus move to foreclosure and not allow me the protection afforded by the Chapter XXXX. 
The servicer also has failed to provide me a reissued insurance check for the claim for roof damages and denied the last wind storm claim on their forced placed insurance.
Product: Money transfer, virtual currency, or money service

XX/XX/2022 I called PayPal because my statement showed two transactions that I have no knowledge of. He/She stated to me that they did not see the company nor did they see any transactions on their end. And told me I had nothing to worry about just ignore it.. I told the representative if I receive money your going to confiscate it.. The representative told me no. Im like oh wow! A little over a month later.. I see both unauthorized charges.. When I click on them.. Nothing is found. I want the removed & my account closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 

Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with AMAZON. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with AMAZON for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email 2 weeks ago about a checking account that I had opened at XXXX XXXX- except I never opened any accounts there. It seems somebody got a hold of my Social Security number, my birthday, and other vital personal information and were able to make a checking account in my name. I have since closed it with XXXX XXXX XXXX I froze my account on all three credit reporting agencies, And I even filed a police report for fraud. Then I got three credit cards in the mail in both my name and a mans name, to an old address that I have not lived at for six years. I am afraid that because this man has all my information he will keep trying to do things using my identity. This is basically a case of identity theft, and I do not want somebody to continue to use my information.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I have filed a dispute with the original creditor XXXXXXXX XXXX XXXX XXXX. They investigated my identity theft claim and responded to me by mail. XXXX And asked for you to remove your account from all 3 credit profiles XXXX XXXX and XXXX and stop attempting to collect any debt. Call them for verification of this statement. XXXX case # XXXX view attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) Equifax and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} and XXXX XXXX  XXXX XXXX Date Filed/Reported : XX/XX/XXXX Asset Amount : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed several unauthorized inquiries. Please have company remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive inquiries and they need to be removed immediately.
Product: Credit reporting or other personal consumer reports

To whom it may concern this is my formal complaint on Equifax. They continue to violate 15 USC 1681g as it relates to my consumer profile. I requested these documents in order to confirm the validity of account listed as XXXX XXXX XXXX. I have the right to review this information. Pursuant to 15 U.S.C. 1681g ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request. Equifax continues to ignore my letters, instead of providing what I requested. Pursuant to 15 U.S.C. 1681o : ( a ) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; It's clear that the documents i requested, Equifax does not have, therefore there is no possibility the account in question can be verified. I demand this account to be deleted from my consumer report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

capitalone bank cards are in collusion with XXXX XXXX XXXX accounts are lock in to my credit files and wont come out. force transunion to unloack and get lettr of deletion from them
Product: Credit reporting, credit repair services, or other personal consumer reports

yes the said account was opened XX/XX/2018 and its with XXXX XXXX XXXX XXXX in the amount of {$30000.00} i have reached out to the credit union and the credit agencies multiple times with no adequate response the account # for the said file is # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im an authorized user on this account but did not sign up for this on XXXX account
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. 
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 has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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

In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$6300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account.
Product: Debt collection

The company, Phoenix Financial Services LLC, sent me a letter regarding an account they were collecting from. They provided no evidence to substantiate the debt, and merely asked that I pay it. When I contacted them about it, the phone line led to an automated voice line asking me to pay. I dismissed them as a con artist, I did so because everything about them seems shady and overall below board. They called me repeatedly from spoofed numbers from then on out. Which I never answered because scam phone numbers are blocked my cell provider automatically. When I was called back regarding the debt one day when a call that wasn't blocked came through, I mentioned that the account may be fraudulent, the operator immediately hung up on me. Weeks later, after not validating the debt to me at all, the company opened up collections derogatory mark on all three of my credit reports. This is something they've been asked by courts to not do in the past by the way. When I contacted the company to cease and desist, they were very difficult to work with and kept asking me for PII, they were rude, once again provided no information to validate the debt, or any information about their business. When I asked them for the information regarding their registered legal agent, they simply declined to provide it. Overall, they have no basis to collect a debt from me and may have broken several laws in the process so far. I also think it's worth noting, they are especially difficult to work with when they are informed that they are being recorded via phone call.
Product: Credit reporting or other personal consumer reports

looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to XXXX on XX/XX/2023 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledae of errors. According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrectly to Equifax a collection of {$2500.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The balance is wrong. I returned all of the equipment back to XXXX and therefore there is no outstanding balance to report. This account needs to be removed from collections. This false reporting of a collection is seriously harming my credit score. I have contacted the bureau to remove this item however, I have not been successful.
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX  Account number : XXXX, Account name : XXXX  XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX XXXX Account number : XXXX, Account name : XXXX Account number : XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account Name : XXXX Account XXXX : XXXX, Account name : XXXX XXXX Account number : XXXX, & Account name : XXXX  XXXX Account number : 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 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.