23daVinci/CFPB_Complaints huggingface dataset:
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/Company : XXXX XXXX XXXX XXXX  XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Fraudulent Activity : Do not recognize the charge. 
Account Name/Company : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Fraudulent Activity : Do not recognize the charge. 
Account Name/Company : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Fraudulent Activity : Do not recognize the charge. 
Account Name/Company : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Fraudulent Activity : Do not recognize the charge. 
Account Name/Company : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Fraudulent Activity : Do not recognize the charge., has violated my rights. 

And according to the fair credit reporting act 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 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, 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 ( i ) 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.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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

XX/XX/2021 received a call from debt collection of key recovery disclosing that they will take legal action against me about a debt. That was my first day being notified of any debt being owed, no written communication has been sent to address about debt so that it could be asked to verified. I do not appreciate the repeated calls and ask that written communication be the only form of contact at the moment.
Product: Debt collection

MIDLAND FUNDING filed suit against me for a debt that they purchased ... XXXX upon an agreement I made with them, I paid the agreed upon amount ( in XXXX on XXXX different accounts with them ), at which I was told they would be reported to the credit bureaus as paid. as of XXXX/XXXX/XXXX they are still reporting as unpaid and refuse to talk to me as they have noted that I have an attorney. I did not and have not ever had an attorney representing me in these accounts and only told them that after I paid the accounts and they still continued to send me letters, call me and show up at my house trying to serve me papers. The continue to report false information and refuse to correct it, before they will correct it I needed to send them a letter stating I do n't have an attorney regarding this matter and copies of the receipts showing I paid almost 2 years ago. Then once they receive the information it will take XXXX to 10 days to get back to me. This is complete and utterly deceptive on their part, I in good faith did and paid as I agreed and they did not ( and continuing to not hold up to the agreement ). They do not even show me having an open account with them, it is closed since XXXX. They are playing a game with me and my credit, which is not fair and not allowed by law but continue to get away with it for the past 2 years. How many others are going thru the same thing I am and why? I went online and see all of the other complaint about midland funding, so now this does n't surprise me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$250.00} XXXX XXXX {$770.00} XXXX XXXX {$790.00} i would like these removed off my credit report. I tried disputing this and never received anything back from anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I went to purchase a car and was informed that I already had a car loan that was recently closed and charged off. I contacted the three credit bureaus individually to dispute the fraudulent account on my reports. The information was immediately removed from XXXX and XXXX due to the fact that I am a confirmed fraud victim. Each bureau had been previously sent a copy of my two separate police reports. Equifax report came back with confirmation that it was my account. I informed them that the account was fraudulent and they already have my police reports on file. They informed me that I needed to add the car on the report so I did in XXXX  of this year. I disputed the account again and Equifax continue to allow XXXX XXXX XXXX to so call verify that the account is mine. I asked that representative I spoke with to explain what and how the bank is verifying my information. The representative informed me that the bank verified my address, name, social and birthday. I informed them again that I am a verified victim of fraud and of course they have my personal information but there is no way that they would have my address. Also today I went down to the police station to get an updated copy of my report. The clerk informed me that the report would be sufficient enough for Equifax. The clerk also stated that Equifax can contact the number on file and verify that the information is in fact on my police report. The XXXX   County Police clerk stated that they can call and confirm that the car was reported as fraud and that they would verify the information by using the incident report number I submitted to them
Product: Credit reporting or other personal consumer reports

I am filing this complaint against EQUIFAX, for the continued reporting of an inaccurate, unverifiable bankruptcy in my credit report. This has negatively impacted my credit profile, even though the reporting is based on improper sources, lacks verification, and violates my privacy rights. I am requesting that the CFPB intervene to enforce the immediate removal of this bankruptcy and all associated accounts from my credit report.

The reporting of this bankruptcy is inaccurate, unsubstantiated, and violates the Fair Credit Reporting Act ( FCRA ), as detailed below : 1. Inaccurate and Unverifiable Reporting ( FCRA 1681e ( b ), 15 U.S.C. 1681c ) - The FCRA requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of reported information. Since courthouses do not directly report bankruptcy information to credit bureaus, the source of this information is unverifiable, and its continued reporting lacks a legitimate basis. 

XXXX. Unauthorized Public Dissemination of Private Information ( FCRA 1681b ) - The FCRA stipulates that credit bureaus can report consumer information only with consumer consent or for permissible purposes. I have not authorized any credit bureau to report this bankruptcy, making the current reporting of this information a violation of my privacy rights. 


3. Failure to Provide Verification ( FCRA 611 ( a ) and 611 ( a ) ( 7 ) ) I disputed this bankruptcy with each credit bureau. Under FCRA 611 ( a ), credit bureaus are required to investigate within 30 days and delete unverifiable information. FCRA 611 ( a ) ( 7 ) further grants me the right to detailed information regarding the verification, including the name of the source and methodology used. The bureaus failed to provide adequate verification, and this bankruptcy should be removed.

4. Additional Violations and Potential Liability Under 15 U.S.C. 1681 ( a ) ( 4 ), the FCRA protects consumer information to avoid damaging consumers creditworthiness and reputation. Sections 15 U.S.C. 1681n and 1681o outline liabilities for willful or negligent non-compliance with the FCRA. The continued reporting of this bankruptcy is improper and subjects these bureaus to potential liability. 

XXXX. Debt Validation Requirement ( 15 U.S.C. 1692g ) If the bankruptcy information was obtained from a debt collector, 15 U.S.C. 1692g requires validation of the debt. If validation has not been provided, the reporting remains unauthorized and unverifiable.
Product: Debt collection

I, my friends, my family, and my employer have all received multiple phone calls from an agency, purportedly to collect a debt. When describing the ways in which these collectors have violated the FDCPA, I had XXXX or XXXX different options from which to choose. These people have refused to verify any debt. They have refused to disclose from what agency they are calling. They have called my employer repeatedly, after the human resources manager hung up on them, in an attempt to block the line. They have called my employer threatening to serve me with papers, and asking how they can contact me. They have used false court filing numbers ( such as case numbers, etc ), as though a debt had been litigated already. They have used generally abusive language, have been harassing, and have used false telephone numbers, spoofing the number of my local court house, to convince me that they were calling from a governmental agency. In their latest attempt to contact me, they inadvertantly left a name of their agency which I could then research online. I have since submitted a complaint in writing to them, requesting they cease all telephonic communications with me. If they violate this request, I have informed them I will take further legal action.
Product: Credit reporting or other personal consumer reports

I have been a victim of XXXX XXXX. I have given XXXX XXXX XXXX the authorization to communicate with you on my behalf regarding my case. I am a victim and I hate that I must relive this moment of XXXX XXXX. It replays over and over in my head, and it is causing major distress to me. Especially as it is ruining my credit in the process. 
There is information on my credit report that requires blocking and I hope that by adhering to 12 C.F.R. 1022.142, 22 U.S.C. 7102 ( 12 ) and 22 U.S.C. 7102 ( 11 ), you take this matter seriously or you will be in violation of many of my rights as a consumer. This account on my credit report with the information listed below is an unjust financial obligation and does not belong to me and I am not liable for it. I have attached all necessary documentation. Again, this documentation is coming from me and only me, XXXX XXXX, as the consumer. I am an XXXX veteran, and I would hope that you take this matter seriously. Please contact me if you feel the need to, however, a fair resolution would be for you to remove this account from my credit report as it is in violation of my rights and I am not liable for this debt. 
Additionally, this account must be removed as it relates to 15 USC 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. This account has not been validated and is misleading and false reporting failing to comply with 15 USC 1681. Please have it blocked from my credit report within four business days. 
Information needing blocking from my credit report : XXXX XXXXXXXX XXXX XXXX  XXXX Date opened : XX/XX/year> balance : {$14000.00}
Product: Credit reporting or other personal consumer reports

EXPERIAN is reporting an account that should not be reporting on my credit report. The account that needs to be removed is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the immediate removal of this account within one day under the following statutes : 15 U.S. Code 6801 ( Gramm-Leach-Bliley Act - Protection of Nonpublic Personal Information ) : This law mandates that financial institutions safeguard consumer information. The presence of this fraudulent account reflects a failure to protect my personal information, leading to harm. 
15 U.S. Code 6802 ( Disclosures of Personal Information ) : This statute requires institutions to give consumers an option to opt-out before sharing personal data. The unauthorized reporting of this account without my consent violates this provision.

15 U.S. Code 6821 ( Prohibition on Obtaining Customer Information by False Pretenses ) : The creation or reporting of this account without my consent suggests that unauthorized access may have occurred, a violation under this code.

15 U.S. Code 1681 ( Fair Credit Reporting Act - FCRA ) : Under the FCRA, consumers have the right to dispute inaccurate or unverifiable information on their credit report. Despite providing clear evidence, the credit bureaus have refused to comply with this law. 
FCRA 605B ( Fraudulent Accounts ) : As per this section, once an identity theft report is submitted, credit bureaus are required to block and delete fraudulent information. I have met all required conditions, yet this account remains.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the numerous unsuccessful attempts to remove fraudulent items from my account. Despite multiple reports and requests for assistance, the resolution process has been frustratingly ineffective, and the fraudulent charges persist. I would like to bring the following issues to your attention : Despite my detailed reports and supporting evidence, it appears that the investigation into these fraudulent transactions has not been conducted with the thoroughness and urgency required. There has been a lack of clear and consistent communication throughout this process. I am formally requesting an immediate and thorough review of the handling of my case. I insist on a comprehensive explanation of the steps taken to remove the fraudulent items from my account : XXXXXXXX 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 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 XXXXXXXX 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

Im filing a complaint against Zelle. I dont recall the specific dates and amounts as this wouldve been on the transaction reports I requested. However, even though I requested a copy of this information, they failed to provide the documentation needed.
Product: Credit reporting or other personal consumer reports

I have falling victim of identity theft and have accounts under my name that do not belong to me. i want this matter resolved and these accounts removed and deleted from my report on XXXX. 

Kindly remove these accounts they do not belong to me. Please help me please delete these accounts XXXX  Account Number : XXXX Total fraudulent amount : {$360.00} XXXX  Account Number : XXXX Total fraudulent amount : {$170000.00} XXXX XXXX  Account Number : XXXX Total fraudulent amount : {$22000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am Ann Taylor costumer for the past 4 years. 
I went to my costumer login to make my monthly payment and I was navigating to the system and found that my account is closed since XX/XX/2019 by the phone. I was surprise because I didn't request to close my account on he phone or so. 

I called Ann Taylor costumer services and them they said that to me, I asked how can I fixe that because is impacting on my credited. so they said that is nothing they can do. 

I would like to know how and what I can do to fixe that and also I want to Ann Taylor prove that I solicit this action on my account. 

Please I need Bureau help Thank you my phone and email. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX  due to their failure to properly validate and verify an account listed on my credit report. This complaint concerns violations of my rights under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX  XXXX Balance Owed : {$3700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your help to REMOVE some items from my credit file that occurred because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence. 
XXXX XX/XX/2020 ; XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Experian I am writing to formally dispute unauthorized inquiries that appear on my credit report, as well as to assert my rights concerning the documentation you may request from me in relation to this dispute. 
Upon reviewing my credit report, I have identified the following unauthorized inquiries : Company : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX. -- - Company XXXX  / Date of inquiry : XX/XX/XXXX -- - I did not authorize these inquiries, and I believe they have been made in error or without my knowledge or consent. As such, I request that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. 
Furthermore, I would like to assert that, under the Fair Credit Reporting Act ( FCRA ), I am not required to provide an FTC report or a Police report to dispute inaccuracies on my credit report. The FCRA mandates that credit reporting agencies must conduct a reasonable investigation upon receiving a dispute from a consumer, without placing undue burdens on the consumer. Demanding an FTC report or a Police report as a prerequisite for investigating my dispute is not only unnecessary but also places an undue burden on me as a consumer. 
I expect you to adhere to the FCRA 's guidelines and conduct a thorough investigation into the unauthorized inquiries without requiring any additional reports from me. Failure to do so may result in further action on my part to ensure my rights under the FCRA are upheld. 
Please acknowledge receipt of this leter and inform me of the steps you will be taking to address my concerns. I expect a response within 30 days, as stipulated by the FCRA. 
Thank you for your immediate attention to this mater. I trust that you will handle this dispute with the seriousness and urgency it warrants
Product: Debt collection

In violation of the Fair Debt Collection Practices Act, Financial Management just reported a {$1500.00} collection account on my credit report without first supplying me with a 30-day notice to dispute. If I has received the proper notification, I would have certainly contested the validity of the debt. However, I was never given that opportunity.
Product: Mortgage

XX/XX/XXXX - My monthly payment was due with Mr Cooper - I called Mr Cooper because my automatic payment had been cancelled and ask them if I should make my monthly payment and they said yes - I made the payment XX/XX/XXXX - I receive a letter from XXXX XXXX saying that my loan had been transferred and that I needed to make my XX/XX/XXXX payment by XX/XX/XXXX or get a late fee XX/XX/XXXX - I called Mr Cooper and they said the payment had n't been posted so I needed to call back on XX/XX/XXXX XX/XX/XXXX - I called Mr Cooper, they did n't answer or return my call XX/XX/XXXX - I called Mr Cooper and they said they had the money and it would be transferred to XXXX XXXX at some point - They would n't give me a day or a time - They would n't put it in writing that they will transfer the funds - I have no assurance that the money will go to XXXX XXXX or that I wo n't be charged a late fee
Product: Debt collection

XX/XX/17 ( {$860.00} ) Acct # XXXX, Acct # XXXX ( {$77.00} ), Acct # XXXX ( {$56.00} ) HIPPA Violation ; Medical Commercial Audit/ MCA did not provide me with the provider of services to release any of my medical information ( tests, diagnosis ext ) regarding alleged debt as well as cease any credit bureau reporting. This entry 's insertion on my credit reports is a blantant JIPPA violation and a violation of my consumer rights according to the Fair Debt Collection Practices ACT ( FDCPA ). these entries must be deleted from my credit reports immediately with XXXX, XXXX and XXXX
Product: Credit card

I disputed two charges for returned merchandise I returned at XXXX 's in the amount of {$350.00} & {$2900.00}. I received a letter stating that the dispute was resolved in my favor and would see those credit within 1-2 billing cycles but when I contacted Capital One to confirm, they stated that the letter I received was a template and further investigation needed to be done to find out why I haven't received those credits back to my card for the merchant.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. -According to the Fair Credit Reporting Act ( FCRA ) section 611. It is illegal to report inaccurate information on my credit report. Please remove this item from my credit report.
Product: Mortgage

Mr. Cooper sent my annual insurance payment to a third party company that has nothing to do with me or my insurance company. I received notice from my insurance company that payment was never made so I did so for XXXX so my policy would not lapse. Mr. Cooper identified the company they sent the payment to and I have helped them by contacting the company and requesting that they return the funds to Mr. Cooper so Mr. Cooper can reimburse me. Mr. Cooper has not reimbursed me for not making payment to my insurance company and every time I contact them they give me an excuse for not doing so. This has gone on for four months.

To summarize, Mr. Cooper accepted my mortgage payment with the understanding they would make the insurance payment. They have not paid my insurance company and will not reimburse me the funds I gave them for the payment.