23daVinci/CFPB_Complaints huggingface dataset:
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 Balance : {$0.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXXXXXX Balance : {$1100.00XXXX XXXX XXXX XXXXXXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX XXXXXXXX Balance XXXX {$1100.00} XXXX XXXX XXXXXXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX : {$1100.00} XXXX XXXX XXXX XXXX : {$4200.00XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been reporting for 3-5 months, with no information given, and no investigation completed per 15 USC 1681eB shouldn't be reporting as I also never gave permission. This XXXX XXXX XXXX XXXX ) account was also re-added and I was never given 5 days prior notice. I mentioned this and it's still reporting and only being updated. This is entirely incorrect, and false and I want to be removed. See attached report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Made numerous requests to have incorrect information removed. 

In Accordance with the Fair Credit Report Act This Creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a account under an open and consumer credit plan as late for any purpose
Product: Debt collection

Consumer Adjustment Company CORPORATION XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX, XXXX To : The XXXX XXXX XXXX XXXX for Consumer Adjustment Company From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  are authorized to administrate ( acting trustee ) on XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA.

Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX
Product: Credit reporting

There are fraudulent items on my credit report with Experian. I sent them copies of my police report, ID Affidavit, and they refuse to block the accounts from my credit report. They also refused to remove the items off of my credit report and reinvestigate it anymore.
Product: Credit card

While reviewing my XXXX Credit Report, I was reviewing credit " record of requests ''. Much to my surprise, Capital One - XXXX XXXX XXXX XXXX XXXX XXXX, Utah, XXXX, has apparently been recording hard inquiries on my credit to the tune of XXXX times since XXXX 2015. When bringing this to the attention of Capital One, one representative disconnected the call after 15 minutes of being on hold. After a second call, I got to a completely different call center where the individual was extremely rude, implied that I was wrong and said that they would n't do anything without the original copy being sent to them from XXXX. This is way too many inquiries, with XXXX of the XXXX happening within the last five months. I have not asked Capital One for information, nor do I want them to continue to inquire on my credit, or receive offers for their credit cards.
Product: Credit reporting or other personal consumer reports

I am writing to address the delinquent accounts listed on my credit report. Upon recently receiving a copy of my credit report, I was prompted to question the sharing of my information without my explicit consent. The dissemination of inaccurate and incomplete information has caused me significant stress 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX this is my 3rd or 4th time trying to get things off my report and they have not been help or no reponds. First letter was sent on XX/XX/XXXX and second was sent XX/XX/XXXX 1. chapter XXXX bankruptcy 2.XXXX XXXX  XX/XX/XXXX it was unauthorized 3XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX not mines 5XXXX XX/XX/XXXX Not mines 6. XXXX XXXX I was never late 7XXXX I Was never late XXXX XXXXXXXX XXXX XXXX XXXX This is my second attempt to get a responds or an answer. first letter was sent XX/XX/XXXX and the second was sent XX/XX/XXXX 1. XXXX XXXXXX/XX/XXXX not mines 2. XXXX XXXX I was never late 3. XXXX I was never late EquiFax Information Services- they yet to respond or address my concerns. The first letter I sent was on XX/XX/XXXX and the second letter I sent was on XX/XX/XXXX 1.XXXX XXXXXXXX I never gave the consent to report this own my credit report 2. XXXX  XX/XX/XXXX Not authorize or mines 3.XXXX  XXXX I was never late 4. XXXX I was never late
Product: Credit reporting or other personal consumer reports

I am writing to formally contest an entry on my credit report, which I believe has arisen due to identity theft. After recently reviewing my credit report obtained from your bureau, I have identified inconsistencies pertaining to the account : XXXX XXXX XXXX XXXX XXXX. I neither initiated nor authorized the opening of these accounts, and it has no association with me. I suspect that my personal information was compromised, leading to the unauthorized establishment of these accounts. To support my dispute, I am furnishing the subsequent information. I kindly request that you embark upon a comprehensive investigation into this matter, expunge the fraudulent account from my credit report, and furnish me with a corrected credit report upon the conclusion of your investigation.
Product: Debt collection

In XX/XX/2018, I received alerts that two collection accounts had been added to my credit reports. I looked into the matter and noticed they were from XXXX/Resurgent in the amounts of {$2900.00} ( the cents change ) and {$1100.00}. I sent certified letters asking for proof that I have a contract with this company. Validation was " confirmed '' through a letter by simply stating it was verified. They provided me with no signed contract or any paperwork for that matter. I sent a second round of certified letters asking for validation. ( Please see attachments ) XXXX/Resurgent then sent a letter on XX/XX/XXXX, days after they received my second round of letters, stating they will not continue to respond to my request for validation without additional information. I have no additional information! I have no information other than what is reporting the the credit bureaus. This company is in violation the FCRA and FDCPA. They have no contract with me. I owe them nothing, yet they continue to badger me with letters and report this erroneous information on my credit reports. I also contacted the credit bureaus. They have " verified '' the information. Interestingly, they too were unable to produce any documents of my signature showing these accounts belong to me. Other than empty rhetoric, XXXX/Resurgent had nothing to offer by way of validation.
Product: Debt collection

Hello, On XXXX, I received a collection notice from XXXX trying to collect a debt for XXXX. I wrote back to the company on XXXX and advise that I did not owe the debt and desist from further collection. On XXXX, I received the exact same notice and wrote again advising the agency that I would like them to valid the debt. On XXXX, I pulled a copy of my credit report and they have place the collection notice for this debt on my credit file, eventhoug I repeated wrote back disputing the debt and the amount. 

I would personally like to start a class action suit against this company and would like your recommendation. 

Please find the attached documents as proof of my numerous attempt to resolve this problem. 

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

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

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

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

Consumer Financial Protection Bureau Attn : Complaints 1700 G Street NW XXXX, D.C. XXXX Subject : Formal Complaint Regarding Violation of GLBA Rights and Failure to Remove Account Information from Credit Report Dear XXXX XXXX XXXX am writing to file a formal complaint against XXXX XXXX XXXX regarding their failure to honor my federally protected rights under the Gramm-Leach-Bliley Act ( GLBA ), specifically pertaining to the sharing of my Nonpublic Personal Information ( NPI ) with non-affiliated third parties. Additionally, I am deeply concerned about their failure to comply with my request for the removal of account information from my credit report, despite sending a written request over XXXX days ago. 

Per my rights outlined in 15 U.S.C. 6802 of the GLBA, I previously exercised my option to opt-out of the sharing of my NPI with non-affiliated third parties. Despite this, XXXX XXXX XXXX has continued to share my information, which constitutes a clear violation of federal law and a breach of my privacy rights. 

Furthermore, I formally requested XXXX XXXX XXXXXXXX to remove the account information associated with my account from my credit report. This request was submitted in writing over XXXX days ago, in accordance with the Fair Credit Reporting Act ( FCRA ), yet I have received no confirmation of action taken, nor any updates regarding the status of my request. As a result, this erroneous and unauthorized account information continues to negatively impact my creditworthiness and financial standing. 

I have made diligent efforts to resolve this matter directly with XXXX XXXX XXXX, but their lack of response and failure to rectify the situation has left me with no recourse but to escalate this issue to your attention, as the regulatory authority responsible for overseeing consumer financial protection. 

Therefore, I respectfully request the following actions be taken : Investigate XXXX XXXX XXXXXXXX 's non-compliance with GLBA regulations regarding the sharing of NPI. 
Require XXXX XXXX XXXX to immediately cease sharing my NPI with non-affiliated third parties. 
Mandate XXXX XXXX XXXX to promptly remove all account information associated with my account from my credit report. 
Impose appropriate penalties and sanctions on XXXX XXXX XXXXXXXX for their willful disregard of federal laws and consumer rights. 
I have enclosed copies of all relevant correspondence, including my written request to XXXX XXXX XXXX for the removal of account information and any responses received, for your reference. 

I appreciate your prompt attention to this matter and trust that you will take the necessary steps to ensure that XXXX XXXX XXXX fulfills its legal obligations and remedies the harm caused by their actions. 

Thank you for your assistance in resolving this issue. 

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

I reviewed my consumer reports and noticed that I have XXXX late payments on an account ( XXXX XXXX ) that i was NEVER late for. 
According to the consumer law 15 USC 1666 ( B ) a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.

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

The 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. I have never been late on payments for " XXXX XXXX ''. I have included screenshot inside this complaint in on dates of XX/XX/year> and XX/XX/year> ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thank you very much! 
Please see screenshot attached
Product: Other financial service

In looking to exchange foreign currency, I found that Bank of America publishes one rate on its website available to public viewing ( a very favorable rate for the consumer ) and an entirely different rate on its account holders-only website when one logs in to actually make an exchange ( a much less favorable rate ). One can not order the foreign currency through the open-to-the-public site ; orders can only be placed once logged in. Even now, the rates shown in real time across the two website are significantly different ( a difference of approx. 15 % ). 

In short, I was baited by BOA 's favorable rates published online, and I went through the trouble and expense of opening an account in reliance on that rate. Once an account holder and able to actually place an order for the foreign currency, I was shown the significantly higher rate.
Product: Debt collection

XXXX collection showed up on all XXXX of my credit reports from Portfolio Recovery Associates on XXXX/XXXX/2015 in the amount of {$490.00}. It says that the original debt is from XXXX. I have never had any type of account with XXXX nor do I have any charged off accounts on my credit report from them or XXXX who they said later on was the original creditor. I tried disputing the debt with them directly asking for validity which they never did send me. I never got a duinnig letter saying I had the right to dispute the debt nor have I recieved any info on the validity of this debt and proof that it is mine, When I didnt get a response from them i disputed this with all XXXX CRAs and they said that PRA validated the debt. I filed a XXXX complaint stating my issues and they gave a generic answer to them saying that I needed to send a copy of my credit report to the agency for review. 
Now I am filing a complaint with the CFPB asking for help. Not only did I not recieve any type of dunning letter telling me of my right to dispute, I have asked for them to validate this debt with proof that it is mine and they have refused to do it for the last 5 months. They are also reporting the collection as a factoring account with monthly payment history on my report and not in the collection section as required by the FCRA. There have been multiple violations of the fcra by portfolio. I am just wanting the account removed from my report as it is not a valid account and they will not send me any documentation proving otherwise
Product: Credit reporting or other personal consumer reports

I had a dispute with XXXX credit report dispute. they had XXXX account updated to a further date. Now with your help they deleted the account. 
I had the same problem with XXXX and Transunion credit reports. 
i have attached the following dispute and i still have not fix the problem.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXXXXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern Im writing this in hopes of some type of resolution and helping me move forward, Im this complaint because several things have stood out to me and in reading over my consumer report when comes the account mentioned below and in the attachments. Ive dried for several months to say you were reporting inaccurate information on my consumer report regarding consumer portfolio services and my dispute has been neglected to properly be investigated as several request to do so. Im looking how youre describing the account type for the alleged agreement is known as by its governing laws as credit sale. There is no loan agreement in place at all. No goods or money was loaned to me the alleged debtor. This is a violation of the FCRA to knowingly furnish or report false information. Also, according to the IRS, a canceled debt is ordinary income and income is not reported on a consumer report. Also, my account with XXXX showing an alleged auto loan has been accelerated and according to the laws that govern credit sale transactions. The payment should be obsolete and should be listed as {$0.00}. It also an violation to willfully furnish inaccurate and incorrect information a c consumer report. This information is misleading and a mischaracterization of this alleged account. 15 U.S. Code 1681i - Procedure in case of disputed accuracy- ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, this a law not something the was interpreted in my own words and public knowledge and has been continued to be ignored because no proper investigation has ever been done. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. Ive lost wages at work and really been stressed with trying to find a transportation to get back and forth with work and picking kids and keeping my promise in custody agreement, this willful neglect and noncompliance of my consumer has caused more stress and anxiety that can be described. Im not only asking for thus account to be deleted from all my consumer reports but also damages from being denied several times and for proof Ive enclosed Exhibit A, B, C, to help further my complaint. You have 7 days to reply, or Im left no other option but to pursue litigation. PLEASE SEE ATTCHMENTS!!!!!!!!!
Product: Credit reporting or other personal consumer reports

Experian is reporting fraudulent inquiries on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that I never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. I have never authorized these inquiries and I demand that they be removed off my credit profile. I know that only 100 % information can be reported on my credit profile and that any inaccurate Information must be removed. These inquires has caused me to be denied credit and has caused me great financial harm because I can't obtain credit and was denied several loans due to this inaccurate information, they refuse to remove off my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them to remove the inaccurate and false information on my credit report. The inquiries listed below do not belong to me I never gave them permission to obtain my credit profile or gain access to my social security number. REMOVE NOW XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Debt collection

We were XXXX  days late on car payment. 
They contacted my wife 's work and left detailed message with a coworker about the debt, how long it was past due, etc. And this after telling them not to contact work and payment arrangement was made but not processed.
Product: Money transfer, virtual currency, or money service

I am making this complain to express my concerns towards Zelles handling of disputes, especially with the recent CFPB lawsuit highlighting issues with the platform. Despite using Zelle many times and reporting discrepancies, my financial institution and Zelle did not investigate my claims properly. 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 consumers but has allowed repeat offenders exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.