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

I have credit inquiries from companies I did not authorize to pull my credit and it has lowered my credit score : 1.XXXX XXXX XXXX  Date XX/XX/year> 2.XXXXXXXX XXXX XXXX  Date XX/XX/year> 3.XXXX XXXX XXXX XX/XX/year> 4. XXXX XXXXXXXX XXXX  Date XX/XX/year> 5. XXXX XXXX XX/XX/year> 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX Date XX/XX/year>
Product: Credit reporting or other personal consumer reports

Please assist me in regards to some negative items that are showing on my report, i already provided the 3 documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from my report.
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Experian XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX, XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am a victim of identity theft!! Please add a fraud alert on my credit as soon as possible to stop this!! I was researching " The Fair Credit Reporting Act '' and according to them, block all fraudulent information off my credit in four business days, thank you!!!
Product: Debt collection

Comenity Bank keeps calling me looking for an  XXXX   XXXX .   I am not, nor do I know any,  XXXX   XXXX .     They call me from different phone numbers all over the country. So when I block them, they use other numbers.     I spoke with a representative and told them they had the wrong number. She would take care of it but nothing happened.     I just called again and spoke with someone who would not give me their address so I could send a cease and desist letter. She did confirm it was Comenity Bank.     The last  XXXX  digits of my phone are  XXXX . Maybe they can match  XXXX   XXXX  with the WRONG number they are calling.
Product: Checking or savings account

Here at all truist banks here in XXXX XXXX XXXX I had an account and non authorized charges on card, and I only despoited money on account, and my pin number was on back of card and card was stolen and used. Which was XXXX dollars I want back and I sent them signed affdvaid.
Product: Credit reporting or other personal consumer reports

I would like all late payments & inquiries  removed etc
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX XX/XX/year> Experian Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 

Creditor : XXXX XXXX AUTO FINANCE- Account : XXXX Creditor : XXXX/XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX/XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX XXXX : XXXX/XXXX- Account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I received a bonus offer from Bank of America to open an account and they would give {$300.00} bonus if {$4000.00} was paid in dd 's over a 90 day period. I opened the account online using the bonus code from their correspondence and I followed the terms needed to receive the bonus. I called Bank of America and they said I was n't signed up for the bonus. When I joined bank of America a message came on the screen saying eligible for the bonus ... during the steps of opening the account. The only reason for opening an account with this bank was for the offer they gave me. I made a complaint to BOA but have n't received a call and nothing has been done to honor this bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also sates a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Bank account or service

I endorsed my paycheck with signature and account number, I also added my bank mail address to front of check. Then I asked my wife to deposit my paycheck into my Bank of America account. The bank teller gave my wife a difficult time about accepting the deposit and told her she should have taken the check to an ATM, then they demanded ID and other items for her. She was only acting as my courier. Finally they accepted my paycheck but deposited into the wrong account, a joint account I have with my wife. 
This is not the first time this has happened. I called the bank and complained vigorously that evening. The following day my wife went to the bank and demanded they fix the mistake On other occasions, the teller has instructed my wife that if she were to deposit checks written to me into her joint account, she could then draw the money out or have access to the money. My wife and I have an excellent relationship and we keep our finances separated to help with that.
Product: Credit reporting or other personal consumer reports

On XXXX, I opened a dispute with Experian, Complaint No. XXXX. I would like to remove the dispute and dispute the following matters. On XXXX, I settled the XXXX XXXX account listed as {$110.00} for {$90.00}, confirmation code XXXX. However, there remains on my account an XXXX XXXX  debit for {$850.00}, which has been charged off. Pursuant to 26 U.S.C. 6050P, where a charged-off account is greater than {$600.00}, I am entitled to be provided with a 1099c tax form. Since XXXX XXXX  never provided me with a 1099c tax form, I have no way of determining how the charged-off was handled. Accordingly, absent the 1099c tax form, I have no way of disputing whether or not the debt was forgiven and whether or not the {$850.00} is the correct amount owed on my account. There is another account listed on my credit report from XXXX XXXX XXXX XXXX, in the amount of {$10000.00}, which was a voluntary surrender. However, absent a 1099c tax form, I have no way of disputing whether or not the debt was forgiven and whether or not the {$10000.00} is the correct amount owed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Fianc and I were both named on an illegal collection attempt by Rent Recovery Solutions on behalf of XXXX XXXX. This is an attempt to collect an invalid debt, originally requested by XXXXXXXX XXXX ( Not XXXX  XXXX, as reported on our credit reports ) in the amount of {$570.00} for various fees and alleged damages to a rental unit. 

As is standard by Nebraska Tenant Law, specifically Nebraska Revised Statute 76-1416 which states exactly : ( 2 ) Upon termination of the tenancy, property or money held by the landlord as prepaid rent and security may be applied to the payment of rent and the amount of damages which the landlord has suffered by reason of the tenant 's noncompliance with the rental agreement or section 76-1421. 

We had paid a {$500.00} Pet Fee ( non-refundable ) and a {$500.00} security deposit for this apartment.

The {$570.00} was claimed owed in excess of the security deposit.

No receipts were ever provided by the original leasor after repeated attempts to get this information from XXXX XXXX. According to Nebraska Law, money withheld from rent and security must be applied to the amount of damages the Landlord suffered, but no proof of such suffering was ever provided, as was our legal right. 

This has already been removed from both of our XXXX reports, my fianc 's XXXX Report ( Mine is still under review, but it is the same debt and the same justification ), but yet, XXXX has deemed that the debt is valid, despite the illegalities stated above with the debt collection itself and the original justification for the debt. 

This debt is not legal, this debt is not valid under Nebraska Law. If it was valid, they would have simply taken us to court for the sum. Instead, they threaten our credit and submit our debt to XXXX AFTER our disputes with XXXX and XXXX were opened, in a clear case of retaliation. 

If two credit unions ( XXXX and XXXX ) have already deemed this justification sufficient and removed the accounts from the credit reports, why then does XXXX see differently? 

No justification was provided from Rent Recovery Solutions at any point when we requested, via certified mail, documentation for proof of debt. Rent Recovery Solutions responded to this request but failed to provide ANY documentation. We have a legal right to obtain such documentation. They have continually failed to submit accurate information ( in the case of the original alleged debtor name, XXXX XXXX not XXXX XXXX ), have not obeyed the Fair Debt Collection Practices Act by failing to provide us with the documentation and proof of debt requested. This debt is not legal under Nebraska Law and they have failed to follow the law in regards to the information we have requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX AccouRt # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency canne furnish a account without my written instructions.

9384 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open End consumer credit As late for and purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested a copy of the document I signed giving them the right to check my Credit. They have refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my credit
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. 
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  has violated my rights. 


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: Debt collection

Discover bank is keep putting some of the charges back even though the issue has been resolved and I have received a letter that Discover bank confirmed all charges were unauthorized. 

This complaint is in regards to Discover Bank. I have lost/misplaced my Discover card ending ( XXXX XXXX XXXX ) in XX/XX/XXXX. There were several unauthorized charges between XX/XX/XXXX thru XX/XX/XXXX. I was out of state for holidays when all this happened. I called and reported the fraud as soon as I got to know. Discover denied my claim and this is so unfair for me to keep paying for something that I did not authorize neither did I received the services or Goods that Discover is asking me to pay. The total amount is around {$3200.00}. I want CFPB to please take corrective action. Discover needs to provide valid proof of investigation.
Product: Checking or savings account

I had a previous account last year that was overdrafted by a few dollars that I was unable to pay at the time. The company charged me {$30.00} in fees daily until they closed my account in XXXX last year. I received a letter that the account was charged off. This year I was able to open up another checking account of which I had called and talked to the charge department about the incorrect balance owed. They were supposed to be reconciling the fees and sending me the new amount owed. When i deposited money into my new checking account, the charge department took {$800.00} from my new account for the old account. When I called and tried to get some understanding as to how they could even do this if the account was charged off, they told me that they could do whatever they wanted if I owed them. The rep was very rude in telling me that I can't tell the company how much I owed them, that I had to pay whatever they told me and they will not refund the money to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending to you the request to remove the accounts which are not mine. I do not know these accounts and I do not recognize them at all. I have no idea how they appeared in my profile. So Delete them please
Product: Vehicle loan or lease

-I how was illegally XXXX after being on XXXX seeing the judge the same week - reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - had car towed even though my brother stayed five minutes away and could have received the car - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- it was the day before XXXX it was a XXXX act I have all the information in the court system- I need you to remove repossession XXXX XXXX  from that time frame off my report - Criminal negligence of police officer and discrimination acts The event was misled my tags were expired but it was within the same month a few days after my birthday and the only reason why I didnt change my tag because the same day my mother told me I should wait to the end of the month and she is my witness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX until my judge came back from a month long holiday vacation which indicated to me that it was a plot from the government
Product: Credit reporting or other personal consumer reports

I check my credit at least 2 times a month if not more and I noticed there was an account called Affirm that had been opened in my name I contacted XXXX and disputed the said account And told them this needed to be removed from my credit report. And also contacted the company Affirm and told them this wasnt my account and to remove this from my credit report that I didnt open any account with them and never heard of their company and I disputed it with them I also requested they send me documentation verifying this debt, they didnt send anything to me and I have yet to receive anything from them. I disputed the account through both XXXX and Affirm. I also contacted my bank and closed my account so to identity theft.
Product: Debt collection

MIDLAND CREDIT MANAGEMENT has furnished two accounts on my credit report without disclosure, notice, and above all, without expressed written permission from me. All of these are violations of the Fair Credit Reporting Act. 

This alleged debt is not mine. 
I dispute the validity and existence of said debts in amount of {$1000.00} and {$4200.00}. 
I refuse to pay a debt I do not own or owe. 

I have no knowledge of MIDLAND CREDIT MANAGEMENT. MIDLAND CREDIT MANAGEMENT has furnished deceptive forms and information regarding me to others which is, including but not limited to, Identity Theft, Fraud, Violation of Privacy, all are crimes punishable by civil and/or criminal liability.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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: 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. The CFPB has raised concerns about Zelle 's handling of disputes, revealing unacceptable issues. Despite multiple complaints, Zelle failed to investigate claims, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable, raising concerns about consumer safety concerning scams.
Product: Debt collection

I reached out to Collectech Diversified on XX/XX/XXXX in regards to account XXXX. I attached the letter I sent certified. I also attached their response I received on XX/XX/XXXX which was only the name of the original creditor and alleged dates of service and amount owed. 




FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Collectech Diversified has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

HAVING ASK TRANSUNION TO REMOVE THIS ACCOUNT MANYS TIMES THEY HAVE YET TO DO SO.
Product: Consumer Loan

Loan was with One Main Financial ( XXXX ), XXXX XXXX XXXX, XXXX Ohio, taken in XXXX, 2015 Actual Loan amount {$4700.00}, for 30 months. Total to be paid with finance charge {$6500.00}. Total I paid in 12 months was {$6000.00}. ( XXXX pmts of {$210.00} and XXXX check {$3400.00} ) .In XXXX when I called for pay off amount was given {$2000.00}, but when written letter received payoff was {$3400.00}. When I asked for report of how may payments was allocated ( interest and principle ) they refuse to give to me. I received my last payment of {$210.00} refunded to me. I believe One Main Financial took the total finance charges before applying money to the principle. One Main Financial owes me at least {$1000.00} if not more.
Product: Credit reporting, credit repair services, or other personal consumer reports

The personal information on my credit report is fraudulent
Product: Debt collection

On XX/XX/XXXX and XXXX a paypal collections agency attempted to ACH my XXXX XXXX account for {$260.00} 3 times without my permission. today, XX/XX/XXXX a paypal collections rep calls me from XXXX making threats against me. He told me that paypal was going to ACH my XXXX XXXX XXXX account. 

These actions are illegal violating the Federal Trade Commission Act. Please investigate? 

Thank you