23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX  XXXX. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX  XXXX XXXX  XXXX  ) is reporting on my personal credit file with Equifax, XXXX, XXXX ( Credit Reporting Agencies ). This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CRA & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the CRA & DF have not provided me with any evidence of an open contract, signed contract or any valid proof that this was opened, authorized or created by me.
Product: Credit reporting or other personal consumer reports

Ive been a victim of identity thetf
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had immense difficulty in trying to freeze my credit with all reporting agencies. After the hack that stole data from XXXX freezing my credit should be free across the board at minimum. XXXX yet, they should automatically freeze all credit until you unfreeze it.
Product: Debt collection

cont : I sent a packet with more detailed information. I received another email from a different collector for the same alleged debt. 
Credit Control XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX This is now the 4th company they have collecting this debt. 
I have been asking for years to provide proof of debt with my signature. The info is typed in with my name and address etc. 
Please request this be removed from all credit bureaus and please send a letter stating debt has been removed. 
Please let me know if you need anything from me. 
Thank you for your time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Michigan XXXX You are in Direct Violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX, XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes.

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

I gave capital one a security interest and they have are failing to do their fiduciary duties. By them not transferring the credits and keeping it for their benefits and making profit is considered breaching the contract for non performance and security fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I recently reviewed our credit reports and found in accurate reporting of Late Payments of our auto loan payments to XXXX. The dates reported late are XX/XX/XXXX and XX/XX/XXXX. I contacted XXXX and spoke to a representative in their accounts and billing department who informed me that the ( 2 ) late  payments derived from an internal error. 

I am extremely upset that my husband my co-borrower and I have had our credit affected due to these errors caused by XXXX XXXX XXXX and within all honesty at our time of life the prospect of being bound to XXXX XXXX XXXX for a further couple of years worries me because this issue could have been avoided if better contact record keeping was applied. The whole issue not being able to contact us by phone is no excuse because I furnished our address and email address for notices such as this. 

I was not advised that XXXX was not able to contact us by phone because of inacurrate contact information that was input into my personal information ( please see initial contract which states incorrect telephone number ). Although I now reside in XXXX my area code is still a XXXX XXXX XXXX which is simular to a XXXX  area code of XXXX it was input into their system incorrectly by the representative that completed the contract and was never updated although it is requested as part of the verification process each and everytime I contact their office which I have done on numberous occassions due to my irregular travel patterns that take us outside of the USA I frequently pay over the amount of my monthly installments which is {$280.00} and in advance.
Product: Debt collection

I recently received communication from : Recovery Solutions Group , LLC XXXX XXXX XXXX XXXX, DE XXXX XXXX Attempting to collect the below-listed alleged debt : Alleged Original Creditor : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Alleged Debt Amount or Balance : {$500.00} Their initial communication to me in attempt to collect the alleged debt was responded to within 30 days by me XX/XX/year> with a validation letter via certified mail # XXXX. Wherein, they were advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Furthermore, I requested verification of the alleged debt specifically, a copy of a contract or agreement. XXXX contract or agreement must be with the original creditor and signed by all parties involved. Recovery Solutions Group , LLC received and signed for said registered mail and haven't validated this alleged debt after I executed my rights, whereby they're illegally under section 1692g attempting to collect the above-listed alleged debt and money that I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

the account does not belong to me and is fraudulent, police report and Federal trade commission was informed XXXX  XXXX XXXX and continues to report fraudulent information after putting on notice that the account was a fraud and was not open by me
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine and are affecting my credit report. Please remove them from all 3 credit reporting agencies.
Product: Money transfer, virtual currency, or money service

I am trying to link my PNC account to my XXXX  account and PNC is not allowing it.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account back on XX/XX/XXXX was showing as closed account, Now it is showing as an open account and i was not notified of any update to this account stating it would be reopened. I am supposed to be notified in writing 5 days before that this account would be shown as open and readded to my credit report. Now it is showing 21 late payments when back in XXXX it was not showing any at all. Why is this company readding information and re opening this account status and i was not notified before hand. This company in the past has been known to report inaccurate data and no one will remove this account off my report because of that
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing this letter to dispute the results of a previous investigation made by your bureau regarding my credit report. I do not agree that a full investigation was made into the account reported by XXXX XXXX XXXX ACCOUNT # XXXX and ACCOUNT # XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to know how the account was validated, the representative from whom the validation was obtained, the name and contact information of the company, the phone number, the last day of delinquency, the last date of activity, and whether they are properly reporting under my FCRA rights. 

I understand that the account reported by XXXX XXXX XXXX is a past-due amount, but I do not have an open account with this collection company, and I was not provided an original validation with my signature. Additionally, XXXX XXXX XXXX is actively charging off the account, manipulating payment history, and is in violation of the FCRA. 

Therefore, I demand that these accounts be removed for these violations, and if your bureau can not confirm that every piece of information is 100 % correct, then I demand that it be removed from my credit reporting. 

I am requesting that you investigate this matter promptly and provide me with a written response within 30 days of receiving this letter. Please also send me a copy of my updated credit report reflecting any changes made as a result of this dispute. 

Thank you for your prompt attention to this matter. 

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

XXXX and Equifax are not sending me updates. I have written several letter over the past few months with no response. 
Equifax send email confirmation, but does not allow me access when I visit their website to check. I have requested numerous times for my reports to be mailed. This is very fustrating since they continue to report inaccurate information on my credit report, which is against the law. 

Equifax Equifax Dispute Completed Notification RemindeXXXX. Confirmation Number : XXXX Fri, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Completed Sat, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Completed Thu, XX/XX/19 Read Equifax Equifax Dispute Completed Notification Reminder. Confirmation Number : XXXX Wed, XX/XX/19 Read Equifax Equifax Dispute Completed Notification Reminder. Confirmation Number : XXXX Wed, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Received Wed, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Received Mon, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Received Sun, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Received Fri, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Received Thu, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Received Mon, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Received Mon, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Received Mon, XX/XX/19 Equifax Equifax Confirmation Number : XXXX - Dispute Received Equifax Confirmation Number : XXXX - Dispute Received
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. 

Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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: Mortgage

My husband died and I requested a modification, However they did a modification without my income being involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IS SHOWING THAT I AM LATE ON BOTH OF MY STUDENT LOANS WITH THEM AND THIS IS NOT CORRECT. 

Last reported XX/XX/2019 {$2900.00} Reported balance Highest balance {$2800.00} AND Last reported XX/XX/2019 {$1700.00} Reported balance Highest balance {$1700.00}
Product: Credit card or prepaid card

My name is XXXX XXXX and my XXXX Credit card account from XXXX back has been charging me a late fee of XXXX a month and {$15.00} a month on my account when I paid the minimum every month no more then 7 to 14 days late on credit card account # XXXX XXXX XXXX XXXX. 

For the last 2 years I have as diagnosed with XXXX, I had an XXXX  on my XXXX XXXX XXXX XXXX XXXX XXXX. I also am along hauler from diagnosed XXXX XXXX. 

I asked them to help now that I went back to work and make {$65000.00} a year as a government investigator with XXXX. 

They refused.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I've sent several documents to Professional Collection Services asking them for documents to validate this alleged debt. They received the documents on XX/XX/2021. It has been well over 30 days and they still haven't sent any documents of this debt that they ASSUME I owe. I'm asking CFPB TO HAVE PROFESSIONAL COLLECTION SERVICES REMOVE THIS COLLECTION FROM MY CONSUMER REPORT BECAUSE THEY ARE IN VIOLATION! 

Professional Collection Services state there was no response from the validation notice they sent out or numerous phone calls. 
15 USC 1692g ( c ) Admission of Liability ; The failure of a consumer to dispute the validation of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
Professional Collection Service doesn't have the right to say the debt is valid. You can ASSUME. Only I can validate any alleged debt. 

Professional Collection Services reported this alleged debt to the credit bureau. 
15 USC 1681 My credit/consumer report is my reputation. If a bad debt has been furnished to any consumer reporting agency, my reputation has in fact been ruined. Professional Collection Services reported bad debt to my consumer report. This is a violation. 

Professional Collection Services stated I owe an alleged debt that they can't seem to give proper and correct documents that I requested. You called in an attempt to collect a debt. Professional Collection Services is in violation. 
15 USC 1692b ( 2 ) not state that such consumer owe any debt. 

Professional Collection Services stated I didn't respond to any of their contact attempts. 
15 USC 1692a. communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1692c ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. 
Professional Collection Service called me at an unusual time they are in fact a violation.
Product: Checking or savings account

My bank keeps wrongfully denying an dispute that I never received service for what would been purchase however I decided to to purchase and then was informed by the company/seller to have my bank dispute and refund the money
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX XXXXXXXX XXXX XXXX, all XXXX reporting Bureaus are reporting for the XXXX of XXXX as " Over XXXX XXXX ''. I have repeatedly disputed this information including my statement showing that the payment was made before being XXXX XXXX late. They refuse to perform an adequate " Re-Investigation '' on this false/inaccurate reporting or provide me with the steps they took during this investigation. 
I have attached yet another letter with my statement to ALL XXXX major credit reporting agencies without any response with the exception of " Verified ''. Please see attached documentation and proof.
Product: Debt collection

I contacted ACE Cash Express today and they stated that my debt has been sold to XXXX ... yet another company called me about the same debt called XXXX ... 

On XX/XX/2019 I received a phone call from XXXX at XXXX from some company attempting to get documents to me for a matter that they had no information about. I asked for the number of the company that is trying to send me documents and they gave it to me along with a reference number XXXX On XX/XX/2019 at XXXX XXXX I called XXXX and gave them ( XXXX  ) my reference number XXXX and they stated Okay. So what I'm showing here, Mr. XXXX, is you are currently being pursued for breach and fraud of a contract that you had with ACE Cash Express. And it's looking like when executing the terms of repayment, you violated the binding contract with that company. Are you because of that? 

Please communicate in writing only do not call me.
Product: Credit reporting or other personal consumer reports

The following accounts are reporting on my credit but is not mine XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in which I never had. Then there's also inquires on my report for credit items I haven't applied for which includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My credit has been compromised because of this accounts and inquiries. They are hindering me from buying home for family. This is not acceptable and I was hoping that help could be provided for my sake.
Product: Debt collection

Calvary Portfolio Services was paid {$720.00} in 2013 in an effort to have them remove a collection from my XXXX and XXXX credit reports. Despite me never contracting with company I paid them because XXXX refused to collect the monies owed to them. I now have a delinquent XXXX entry and a Calvary Portfolio collection account for the same debt. I have made several calls to request deletion of improper entry to my credit report but was told it is not their policy to delete especially since I had already paid. I never received notices. The item just appeared on my credit report. I was never allowed to validate the debt.
Product: Debt collection

I received a letter from National Recovery Center , Inc stating that I own over {$28000.00}, It may be for a credit card. I do n't have credit cards for the last 15 years.
Product: Mortgage

We have applied for a Deed in Lieu with PHH Mortgage Serices Attn : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FL XXXX and have not been able to resolve a title issue dispute. XXXX XXXX, XXXX whom I have never spoken to is the Relationship Manager. Someone different have call me every week to discuss issue when I have appointment calls. Because my parents are deceased and we do not want to keep the house, nor, can we keep up with the payments, we have filed for a Deed in Lieu.. My mother had a loan modification but she had a XXXX and died on XX/XX/2020. 

I have submitted all of the documents requested to PHH mortgage and have talked to them weekly. The Affidavit of XXXX has been submitted and approved. XXXX XXXX and XXXX XXXX XXXX are the parties to discuss Deed in Lieu. 

I am told that there is an encumbrance on the property which affects the title but the encumbrance is the result of the Mortgage Companies when they sell or transfer the mortgage to another company not following up and submitting the loan cancellation or the transfer of the property to the new lenders. 

The encumbrance reference is from a '' XXXX XXXX XXXX. '' PHH or XXXX XXXX XXXX does not seem to understand that it can cancel this encumbrance or go through the chain ot title when they purchase the paper to have all of the encumbrances cancelled. 

Mortgage Companies do not have attorneys working to assist the borrower. Moreover, PHH violated the foreclosure moratorium by trying to seize the property during the pandemic. An attorney in XXXX XXXX Louisiana, XXXX XXXX filed the Notice of Seizure. She is not talking to the Deed In Lieu Department at PHH/XXXX XXXX.,
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

Dear Equifax, Upon reviewing my credit report, I have identified numerous inaccuracies and unauthorized entries on my profile. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), it is crucial to emphasize the rights afforded to consumers regarding privacy protection. Section 602A of the Act explicitly outlines my right to privacy, underscoring the obligation for accuracy when furnishing consumer information to reporting agencies, as articulated in section 1681s-2 ( A ) ( 1 ). Additionally, section 604A, subsection 2, mandates that consumer reporting agencies can not disclose accounts without my explicit written consent. The accounts detailed below have infringed upon my consumer rights, and I demand their immediate removal from my credit report : Account name XXXX XXXX Account number XXXX Account name DEPT OF ED / XXXX Account number XXXX Account name XXXX XXXX Account number XXXX reporting agencies are entrusted with significant responsibilities, including the fair and impartial treatment of consumer data and a steadfast commitment to privacy protection. I request a revised copy of my credit report to ensure that my consumer right to privacy is upheld and maintained. It is imperative to verify that these unauthorized entries have been rectified, thereby restoring the integrity of my credit profile. Thank you for your attention to this matter.