23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This creditor is reporting that they. Bought the debt from the original creditor Which I have no knowledge of. I asked for proof of purchase and to verify I owe the amount/account in question. With past payment history and signature of mine.
Product: Debt collection

I sent XXXX XXXX XXXX a letter for request of Validation the week of XXXX/XXXX/219, after they called me. I never received a response, and sense then i have received numerous calls a day, and they keep using different number. I have over 20 phone number they have used to contact me now blocked on my phone.
Product: Vehicle loan or lease

On XX/XX/2020 I applied for an extension of credit at a car dealer. Drove off the lot and on XX/XX/XXXX, the dealer left a voicemail stating that Capital One denied my extension. On XX/XX/2020 the dealer came and repoed the vehicle. Cause serious damage to my life with these adverse actions against me. Pursuant to 15 USC 1692 im invoke my consumer and creditor status. I never recieved the reason for my credit denial which is an individual action and violation which holds XXXX civil liability.
Product: Debt collection

I have never received a bill from the vendor or Syndicated Office Systems ( debt collector ). I found it on my credit report in XX/XX/XXXX that it was reported as first delinquent in XX/XX/XXXX. However, I called the hospital on XXXX/XXXX/XXXX and they informed me that this charge was for date of service in XXXX XXXX. Syndicated Office Systems reported it as first delinquent on my credit report XX/XX/XXXX, more than 7 years later. And, now it 's on my credit report until XX/XX/XXXX from a bill I never received. I have no idea what the charge was for.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, a company called Portfolio Recovery Associates allegedly purchased a debt I supposedly originally owed to XXXX XXXX. I have continued to dispute ever owing this charge. In XXXX, I formally disputed it with all 3 credit bureaus and it was removed from all but XXXX. They sent me a formal report ( attached ) stating that the tradeline for Portfolio Recovery would be removed in XX/XX/XXXX. I have included a copy of the report from XXXX ( please see page XX/XX/XXXX ). In XX/XX/XXXX, I contacted XXXX directly and was told the tradeline would be officially removed XX/XX/XXXX. I called on XX/XX/XXXX and was told that the date could potentially be moved to XX/XX/XXXX. The law states that the tradeline can only stay on the report for a maximum of 7 years from the initial default date of the ORIGINAL debt. XXXX XXXX is showing XXXX as the last payment received which already makes it XXXX yrs old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm shopping for a mortgage and follow my credit scores. After checking what they are I finally applied for the mortgage only to be told that banks and lenders don't use the score that we are shown by the credit bureaus. The lender used the same companies but had a different score. Yet the credit bureaus lead us to believe that the score is the score, and hide any differences or more specifics behind lots of unintelligible legalese. I believe this is false or fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX AND ASSOCIATES XX/XX/XXXX PRO COLLECT XX/XX/XXXX 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account from XXXX XXXX XXXX that is a fraudulent account reporting on my credit. I have filed a FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  only allows people to dispute online 50 %. When you get to the end of the dispute process, the website will deliberately kick you off so you lose the photos/supporting documentation that you try and upload. This corrupt type of racketeering needs to stop. How are we supposed to dispute with these corrupt giants, if they are using XXXX XXXX  XXXX racketeering methodology to continue breaking the law. How are we supposed to keep contributing to the system, take out loans, and pay interest rates, if the Credit Reporting Agencies keep racketeering us? Doesn't that kind of defeat the purpose of what makes this world go around? So, what does XXXX, Transunion and XXXX  do? Nothing, they are not open for business to accept the consumers money in exchange for the worst customer service I personally have experienced thus far. So, once again they can just waste their expensive printer cartridges sending me a copy of my non-refutable information that I have already submitted that they intentionally will not allow. They are not getting ahead by this way of conducting themselves. It's actually costing them more money by doing this. If they were even the slightest bit intellectually mentally advanced as some of us are, they would understand that people are willing to hand them cash to get there credit reports accurate and up to date. It's 2018 lets show some initiative and get something done here. Thanks XXXX
Product: Student loan

I recently reviewed my consumer report and I noticed that there were several inaccurate and inconsistent reported late payments on my account with Sallie Mae that I havent been late for as I have been in forbearance for several years. There were XXXX in XXXX and now they are reporting XXXX late payment for XX/XX/XXXX. They have restricted access to my account and are unreachable in attempting to regain access to my account to correct and investigate these errors for myself. 

In addition to that, late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. 

Under 15 USC 1681 Section 602 states I have a right to privacy.

Under 15 USC 1681 Section 604 ( a ) Section 2 states a credit reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666 ( b ), a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I kindly request and appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request I am a XXXX of XXXX and the information listed below on my credit report is a result of that trafficking : Account Name : XXXX XXXXXXXX Account Number : XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Balance : {$6200.00} Account Name : XXXX XXXXXXXX Account Number : XXXX Balance : {$2900.00} Account Name : XXXX  Account Number : XXXX Balance : {$11000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Balance : {$5900.00} Account Name : XXXX Account Number : XXXX Balance : {$15000.00} In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

Thank you for your prompt attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX and the companies listed in this complaint back in XX/XX/XXXX ; they ignored the fact I had been a victim of identity theft. I provided them with proof, an affidavit, and an identity theft report and they are refusing to follow the guidelines set forth in the FCRA. These actions are in direct violation of federal law and standards law makers have set for Consumer reporting agencies and companies. I ask that Experian and these companies do what is right and remove these fraudulent accounts from my credit report immediately. Also recent inquiries have appeared which do not belong to me, I will list them below after the accounts. 

ACCOUNTS : Account Name : XXXX, XXXX Account # : XXXX Balance : {$330.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX {$3400.00} XX/XX/XXXX Account Name : CAPITAL ONE BANK USA N XXXX {$14000.00} XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX {$8000.00} XX/XX/XXXX Inquiries : US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

trans union XXXX XXXX 2023 i need all closed accounts and inqurys remove from my report and statements remove as well i am not in the military and never have been i need old address remove
Product: Debt collection

XXXX as of XXXX/XXXX/2016 has identified XXXX accounts opened under my name and my ssn all in the XXXX area. I have never lived there in 51 years. the company is fraudulently using my info and then selling it to credit collectors and reporting it on my credit. i have reported it to police and notified creditors.
Product: Credit reporting or other personal consumer reports

I am requesting the removal of the FRAUD ALERT FROM MY CREDIT REPORT. THE NUMBER ON MY CREDIT PROFILE IS NOT CORRECT XXXX THAT NUMBER IS NO LONG AVAILIABLE. PLEASE UPDATE MY NUMBER TO XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account # : XXXX is a fraudulent account and is not my account. The account is from identity theft. I been receiving harassing and threatening telephone calls of profane, vulgar and abusive language, threats of legal action, job loss, jail, prison, XXXX and death from XXXX XXXX XXXX XXXX, The XXXX XXXXXXXX XXXX XXXX XXXX in regards to the above fraudulent account, which is a major violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State law.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that XXXX credit cards are reflecting after being paid and removed. The credit card has been placed back on my credit and is now reflecting XXXX years XXXX months which exceeds the statute of limitation for reporting. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy ( XXXX XXXX : ) I demand this account be removed from my credit report.
Product: Debt collection

Reported that I had a fraudulent account ( checking account ) with Wells Fargo back in XXXX of 2016. I have a benefit that allows for a Fraud advocate to help me. We provided all the documentation to advise I was a victim of ID Theft, including a police report and ID Theft Affidavit as well as other documents. We were told in XXXX of the offices that this was resolved as fraud, but come to find out they did not resolve it, but sold it off to a collection company during the time they were investigating the debt or after they told me it was resolved as fraud. Case XXXX acct # XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( Finance ) XX/XX/year>, XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : XXXX XXXX & XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX taken off they were all good accounts
Product: Credit reporting or other personal consumer reports

on XX/XX/2023 i was mislead and cohearsed into purchasing a timeshare that i was told it was a 2bedroom/2 bathroom condo that i could rent out and make money doing and share their vacation ad and make XXXX each share, it was all a scam and they reported to my credit report
Product: Credit reporting or other personal consumer reports

I DON'T HAVE ANY PUBLIC RECORD ON MY REPORT, PLEASE REMOVE THIS FRAUDULENT BANKRUPTCY ON MY REPORT, PLEASE INVESTIGATE THESE.
Product: Debt collection

Over the past several months I've attempted to resolve wrong/inaccurate identity theft related accounts with a company called Credit Control Company. I have reached out via mail with both the three major consumer reporting agencies and directly with Credit Control Company.  I've included a copy of an identity theft report # XXXX, affidavits, and dispute letters. In addition Credit Control Company continues to violate the Fair Debt Collection Practice Act and Fair Credit Reporting Act under Arkansas by attempting to collect on Medical Debt more than 2 years old. I also requested HIPPA release documentation which was never provided by Credit Control Company. Despite these several violations of my consumer rights, these fraud related/inaccurate accounts continue to appear on my credit reports. I find these actions unacceptable and Credit Control Company must be held accountable.
Product: Credit reporting or other personal consumer reports

The Following inquiries on my credit report were not initiated by me. I've attempted to call them multiple times, and they won't delete them even though I have a fraud alert as well as an identity theft affidavit that was sent. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit report from Experian on XX/XX/2019. I saw that there was negative information reported by XXXX XXXX/XXXX in the file that Experian maintains under my Social Security Number. Upon reviewing that copy of my credit report, I saw an entry listing an account was charged off {$1900.00}. I wrote and certified mailed a letter to Experian challenging the accuracy, compliance and reportability of this listing. I asked them to please validate that information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. I requested in the absence of any such documentation bearing my signature, I formally requested that the information be immediately deleted from the credit file they maintain under my Social Security Number. I also stated that I do not consent to XXXX or any means of automated verification. They replied back that XXXX XXXX " Verified '' that the account they are reporting under my name is accurate. I then on XX/XX/2019 certified mailed another letter to Experian Requesting that the description of the procedure used to determine the accuracy and completeness of the information was being requested, to b provided within 15 days of the completion of their re-investigation. Additionally, to please provide the name, address and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. And that any automated response or XXXXr verification is unacceptable. I requested a re-investigation and their method of verification. They did not reply back in 30 days. So by them not replying back within 30 days they violated federal law, and they had failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. And I have evidence via certified mail receipts. So they must remove the item.
Product: Student loan

On XX/XX/2018, I made a request to XXXX XXXX to change my payment due date from XX/XX/XXXX of the month to the XX/XX/XXXX of the month. My reason was that the new payment schedule would better align to the day that I am paid by my job. After submission of my request, my payment due to XXXX XXXX increased from ~ {$590.00} per month to ~ {$650.00}.

After approximately XXXX and a half months ( on XX/XX/2018 ), I submitted a second request to schedule my due date back to the XX/XX/XXXX of the month. I realized that the monthly amount due was too high for my personal budget.

Shockingly, after XXXX XXXX accepted my new request, my payment amount due increased to {$680.00}.

I called XXXX XXXX to understand the increase. In XX/XX/XXXX, the amount due was {$590.00} and I could not understand the increase after only XXXX months. I shared the documents received upon submitting my requests in which no information was mentioned or shared about changes to repayments ( other than date changes ) amounts. Additionally, I walked the loan representative through the payment date change process and showed her that there is zero language around long-term payment increases. The only payment-related disclosure shared was that I may have to make a double payment once the new billing cycle starts.

XXXX XXXX XXXX response was to offer me new repayment terms. Which I did not want to accept. I wanted my amount due to return to its original {$500.00} amount. Instead of providing documentation that spells out how the change occurred, the rep continuously pressed me to consider extending my repayment terms.

I pointed out several times that loan institution provides clear disclosures on neither their website or complementary documents that inform borrowers of the consequences of changing the payment date. In fact, the website simply states : Change Your Due Date to Fit Your Schedule If You Change Your Due Date : It may take up to 2 billing cycles to reflect your due date change.

It may result in two payments being due within 1 billing cycle ( XXXX days ).

Any loan that is in a paid ahead status will be removed from that status, and the next monthly bill will require you to pay the full installment amount.

After my discussion with the loan representative, she admitted that none of my documents specify that I would receive an increase of payment amounts just from changing my due date.
Product: Debt collection

I cancelled my service with XXXX and chose XXXX cable service. I no longer had any contract term and was looking for better pricing which XXXX was able to bundle. Equipment boxes were sent to us and all XXXX equipment was promptly returned. 
I never received another bill from XXXX but rather was sent a collection notice from XXXX ( {$220.00} ) I sent a letter ( attached ) to XXXX who sent a letter back to me stating that they no longer were handling the account ( also attached ). The date of this letter was XX/XX/18, the same date as yet another letter had been sent to me from Sequium, a different debt collector asking for the same debt information. I then sent a letter to Sequium ( attached ) which to this day has been unanswered. I noticed that this false debt is now registered with the reporting agencies. This is clearly a shell game for collection agencies who feel they don't have to respond to consumers. As you can see, I have spent much time and money on certified letters and tracking information but still have no resolve. This clearly is an attempt to simply wear down consumers and just have them pay.

I've never received any details as to what the debt could possibly be. Service was terminated by choice and equipment returned.
Product: Credit card or prepaid card

There was an interest rate increase on my Chase Credit Card ( XXXX XXXX XXXX XXXX ) to XXXX ( XXXX ). I have an XXXX credit score and I do not accept this rate increase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I, XXXX XXXX , am writing to file a complaint against TransUnion, one of the three major credit bureaus in the United States . As a natural person and a consumer, I am requesting immediate action be taken by TransUnion regarding inaccurate information reported on my XXXX credit card account, account number # XXXX. This has grossly affected me, pushing me closer to filing for bankruptcy for my business, as I am unable to receive funding to help my business grow in these troubled times. 

On [ date ], I requested that my XXXX credit card account be deleted from my credit report. However, TransUnion continued to report inaccurate information about the account, with the last report date being XX/XX/2023, which has had a significant negative impact on my credit score. 

Despite repeated attempts to dispute the inaccurate information with TransUnion, the account has not been deleted from my credit report. This has caused me significant frustration and financial harm, as the inaccurate reporting has prevented me from accessing credit and loans that I otherwise would have qualified for. 

I am requesting that TransUnion immediately delete the inaccurate information related to my XXXX credit card account, account number # XXXX, from my credit report. Failure to remove this inaccurate information promptly will result in me taking severe action, including pursuing a federal lawsuit against TransUnion. 

I urge TransUnion to investigate the procedures and practices that led to the inaccurate reporting and take appropriate steps to ensure that similar errors do not occur in the future. 

Please find attached copies of relevant documentation supporting my complaint. I appreciate your prompt attention to this matter. 

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

I did not consent to authorize nor benefit from the following account ( s ) Block and Remove!
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 failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect customers but that has also allowed repeating offenders to exploit the system, leaving us users vulnerable to scams.