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

Back in XXXXXXXX XXXX XXXX, I tried to rent an apartment, but my application was rejected, and they told me that I have some issues with my credit report. I registered myself on the website called XXXX, and I found out that I have multiple unrecognized accounts and inquiries. Because I didn't apply for anything in last few years, I should not have any inquiries or credit  cards. Only credit cards that I have is from XXXX XXXX. But I saw 3-4 fraud accounts from XXXX SOFI BANK XXXX  and XXXX XXXX I called creditors and credit bureaus about these fraud accounts. Creditors told me they will start investigation on their side, and meanwhile, I need to contact my credit bureaus to dispute these accounts on my side as well which I did. However, since XXXX XXXX XXXX I submitted about XXXX dispute request letter with FTC report, I noticed these fraud accounts come back to my credit report after removal. Every time I request dispute case, I receive letters from creditors and credit bureaus saying that these accounts turn out to be factual or correct account. I called creditors to explain that I have never applied for these accounts and credit bureaus to request proper investigation, results were same : they are all correct information. I attached FTC report, my ID, my social security card, and utility bill to prove myself. I also requested these creditors to send me a copy of application and other documents someone submitted during the application process, but they said no because of privacy issue. If they believe that this is correct account, why don't they send me a copy of documents? I also asked credit bureaus to send me a proof they received from credit companies, but they just told me " I will receive a explanation letter in 7-10 business days about my dispute case. '' The letter did not contain any proof except for just regular letter saying my dispute case has been closed and concluded that these are " factual '' accounts. Again, if they have strong proof that these are my accounts, why don't they send me a copy of documents? It's getting almost a year, and I did everything I can to solve my fraud issue by myself. I can't see how to solve this problem anymore. Please help me with protecting and fixing fraud errors in my credit reports. Every time I call credit card companies and credit bureaus, all I receive is just standard and regular letters saying " this is factual account, '' but I see no proof of documents attached. Obviously these credit bureaus are not doing their job correctly. As a credit bureaus, they should do their investigations carefully and make sure send me what creditors sent them, so I can see what information was stolen and I can take next step to remove fraudulent accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint XXXX XXXXXXXX, XXXX, XXXX & I am including it again., XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX Balance : {$12000.00} XXXXXXXX XXXX  XXXX Balance : {$9800.00} US DEPT ED XXXX Balance : {$5000.00} US DEPT ED XXXX Balance : {$6200.00} 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
Product: Debt collection

I have been working with XXXX XXXX for going on 5 months trying to repair my credit and pay off debts. I have been on a payment plan for going on 3 months instead they continue to send threatening letters with lawsuits even though I'm in the process of paying off the debt. Every time I talk to somebody on the phone they pretend like they don't know what's going on it's a very uncomfortable experience. I have no idea why they keep sending letters to be taken to court when I am in the process of paying the debts currently. I have received 11 letters in the past 3 months. Every time I try to rectify the situation they tell me that the person that is working on my account is not in the office. Again I have been making current pants for the past 3 months yet they continue to pursue me for a lawsuit. They are also sending the letters in the mail without an envelope with everything written in the open on a postcard for anybody to look at that comes across the mail. This is nothing short of harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started writing this company on XX/XX/2019 asking this company to validate and show me some contractual obligation bearing my signature. This company has not showed me any proper validation since my first letter dated XX/XX/2019. I received a response from them on 0 ( XX/XX/2019 they sent me a itemized bill stating that I owe them {$1100.00}. I never received any documentation bearing my signature or obligation to pay this debt. I informed them also that they are in violation of the HIPAA LAW. The furnishing of this account information to XXXX XXXX XXXX XXXX XXXX, is not in compliance with HIPAA, or WISCONSIN 's Privacy Act, and any subsequent reporting of this account on my credit reports to [ credit reporting bureaus ] is a clear violation of PUBLIC LAW 104-191 ( " HIPAA '' ) I am requesting you promptly rescind all such account information furnished to XXXX XXXX XXXX XXXX XXXX   and require them to purge their records of all reference to this account, and that you insure that any and all reporting of this account is immediately deleted from my credit reports.
Product: Debt collection

I was contacted multiple times by a blocked number finally answered was asked for social asked for address i said i wouldn't randomly provide info unless given notice of who/what company i was speaking with and in reference to what matter was transferred before being transferred asked me to verify my number and would i give permission to be called back if call dropped or at any future time or date i declined after being transferred i gave info social matches address didnt was out of state told it was a XXXX bill asked would item be deleted if i provided full payment over phone was told no i then stated id rather let item stay on credit being as though without deletion it would negatively affect my credit anyway thats when they became rude and stated well they would continue to flag my account to try and keep it from being removed from my account which they have done on the dates as followed XXXX XXXX XXXX XXXX they have also tried to contact me after me telling them not to call my number also have tried to contact me through my employer which is embarrassing and borderline harassment i want this to stop immediately!. Waypoint collection is the name of the collections
Product: Vehicle loan or lease

Effective XX/XX/XXXX, I reviewed my XXXX XXXX account as always because I am done with my car loan. I have been told numerous times that my maturity for my vehicle with done making payments will be XX/XX/2020. I have documents in black and white as well. My initial maturity date was XX/XX/2020. But that payment was added on to the end of my loan which made my new maturity date XX/XX/2020. Now, out of the blue XXXX aka Drive Time is saying that my account is past due in the amount of {$290.00}. Which I have spoken with several customer service agents who clearly stated they did not know why the amount was all of sudden on added to my loan balance. I even went inside of the Drive Time location in XXXX XXXX, GA. and spoke with a sales associate name XXXX who consulted with the store 's manager who stated they are unable to provide a logical reason as to why the amount was added onto my loan and to contact customer service on which I did and the customer service agent was not able to provide me an answer as well. I have submitted many complaints in regards to fraudulent information this company is reporting as well as being unethical. CFPB would you please assist me with this issue? Drive Time needs to be fined for being unethical and committing fraud on consumers accounts.
Product: Credit reporting or other personal consumer reports

ON XX/XX/2023 - XX/XX/2023 CREDIT INQUIRIES WERE PLACED ON MY CREDIT REPORT FROM XXXX XXXX, REGIONAL ACCEPTANCE, XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX. I HAVE NOT APPLIED FOR ANYTHING WITH THEM. I LOST MY WALLET AROUND THAT TIME HOWEVER I ORDERED A NEW SOCIAL SECURITY CARD AND ID. I AM CERTAIN SOMEONE TRIED TO RUN MY CREDIT AND/OR USE MY NAME. I DO NOT HAVE AN ACCOUNT WITH ANY OF THESE FINANCIAL INSTITUTIONS. WHEN CHECKING XXXX I DID HAVE A FRAUD ALERT NOTIFICATION AND FROZE MY CREDIT. THERE WERE MULTIPLE CREDIT INQUIRES DONE WITHIN A 7 DAY TIME SPAN.
Product: Credit reporting or other personal consumer reports

Since XXXX, XXXX  has been sending wrong balance to about my credit card to the credit bureaus. Every time I call about the problem I get different kind of answers and the problem is not solved. 

Example. 

My XXXX statement balance was XXXX ( XXXX  ) dollar. XXXX week after the statement was issued, the reported a balance of {$100.00} to the credit bureau. When I called the, a representative told me that another report was sent to the bureau, the report should be updated in XXXX or 3 days. When I called again after 10 days, because there was no update, another representative told me that they don't the statement balance but the current balance on the card, this is not how it normally works. I asked to talk to a supervisor, that guy confirm that only the statement balance should be reported. the problem was not fixed for the whole month of XXXX. 
Now my XXXX statement balance is {$31.00}. It was reported correctly on XX/XX/XXXX or XXXX. But on XX/XX/XXXX, XXXX XXXX reported to the credit bureaus that i owe {$990.00}. I called again, filed dispute I am still waiting for answer. that time I credit score dropped by XXXX points. While i am waiting for this to be solved, XXXX  reported to the bureaus on XX/XX/XXXX that I owe {$1400.00}. My score drops again by XXXX point. I call XXXX XXXX and transunion again they keep telling the same things ( that this shouldn't be like this ), but nothing has changed and I continue to be the victim of their wrongdoing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian and XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}
Product: Checking or savings account

Bank of America refused to provide me validation to why they : Ruled in favor of a merchant that made unauthorized charges to my debit card. 
Why my unauthorized charge claims were investigated as a cancelation of services when I filed them as unauthorized charges. 
Why they closed my account in under 60 days for negative balance and not the usual 120 days. 
Why one of the unauthorized charge claims I filed was found in favor of the merchant when the merchant turned in documents for a different bank card that had nothing to do with my account or my unauthorized charge claim. 
Why Bank of America refuses to provide me any documentation to validate there claim for the charges I disputed. 
Why they dont want to cooperate with me and why they dont want to provide me the card swipe report for my card that they say is available to me. 
Why they refuse to provide documentation for the XXXX dollar service charge credit they stated they refunded {$2.00} only as per there verbal statement but what about the remaining {$9.00}. 
Why they refuse to speak with me and in a hurry to close this case without providing me the documents to validate there decision and why they charged my account that caused the negative balance. 

Why they reported it to XXXX as account abuse for the negative balance. 

I have requested this information as per FCRA and I have not received this documentation. 
Instead they send me documentation that does not validate or verify why they charged my account which caused the negative balance. 

They are now considering this case closed because they dont want to provide the truth and are covering it up. This violates the FCRA Protection laws in providing documentation that validates snd verifies the information to be accurate and they refuse to do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained a thousand times, yet you used old complaint to close new complaint, I was identity thefted yet no one will do thier there should be no inquiring on my reports and the accounts I've been disputing in never fixed or investigated. I am now reporting that XXXX, XXXX, exsperian and CFPB have all committed fraud that report is going to FTC, IC3 and department of Justice, you all are fraudulent lying about investigations, using old results for new complaints. Do what you will but I won't stop till I'm Paid very well or you all loose bussiness license.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached documents below, which indicates from a recent dispute and data breach which my information was banking information was all compromised. XXXX has deleted XXXX XXXX from my credit file/credit report as per their investigation. I am requesting for XXXX and Experian to also delete this fraud account from my credit file as well. I will keep disputing this account as many times needed. As XXXX XXXX is trying to collect moneys not owed and also this account was opened fraudulent which they are already aware. XXXX  and Experian are not complying and slow to respond. As XXXX  has already resolved the issue and deleted this file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$760.00}.
Product: Debt collection

HUNTER WARFIELD INC XXXX XXXX  is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$29000.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Vehicle loan or lease

I traded in my XXXX XXXX XXXX back in XXXX and the account was paid off and zeroed out in early XXXX. Upon this i received a check for {$900.00} for my gap insurance reimbursement which was sent out on the XXXX of XXXX. The remaining refund was for an overpayment by the dealer i purchased my new vehicle from in the sum of {$320.00}, in which this check was cut on the XXXX of XXXX. I called numerous times over the next XXXX weeks seeking info on the checks whereabouts only to be told i had to wait XXXX business days for them to take action. I called on the XXXX which is over XXXX business days only to which be told to wait more time. The other check was here in under 4 days, at this point i informed them that i believe the check was lost in the mail. I told them i would like the check resent but overnighted via FedEx with tracking and was told that it couldn't be done, even though u i was told it could be when i called on the XXXX the day prior. Now they want to take an additional 5 days to send the check plus another 10 days for it to arrive. I would like this check sent in a safer manor see the sum is in excess of {$1000.00}, i would like this check overnighted for safety reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

called chase and complained about a chase card on my transunion. i did not apply for one. XX/XX/2016. still on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an error in my credit report. According to my credit report, I have a late payments on some of my accounts, which is incorrect. I have never missed a payment on any of my loans, and I believe this mistake should be rectified immediately. According to the Fair Credit Reporting Act ( FCRA ), it is my right to have accurate information reported on my credit file. I have maintained a good credit history, making all of my payments on time, and it is crucial that the information reflected on my credit file accurately reflects this. Please investigate the following accounts for reporting misleading information on my Credit File : XXXX XXXX XXXX Balance Owed : {$220000.00} XXXX XXXX XXXX Balance Owed : {$450.00} XXXX XXXX Balance Owed : {$1000.00XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$7200.00} XXXX XXXX XXXX Balance Owed : {$0.00}. As we are all aware, the Fair Credit Reporting Act ( FCRA ) requires that credit bureaus maintain accurate and up-to-date information in consumer credit reports. The inclusion of this erroneous late payment on my report is a violation of this act.
Product: Credit reporting or other personal consumer reports

Experian is reporting a closed account the creditor is XXXX for the amount of {$100.00} since XX/XX/XXXX ' I reached out to the creditor throughout the year and they couldn't confirm the debt nor have me their system. Therefore I disputed this closed account with a Experian advising them I reached out to them personally and they'e stating they couldn't locate me their system. How I have find it funny Experian will always come back with their investigation with " Verified '' with no proof for me the consumer! 
I then took the initiative to do my investigation and found the XXXX party that the debt was sold to, by the name of XXXX! The debt has been paid in full as of XX/XX/year>. I then called XXXX to let know how poor of reporting to the credit bureaus and this debt has been paid in full and delete from my CREDIT REPORT ASAP. They said I needed to reach out to Experian to remove it. I filed the a dispute XXXX XXXXXXXX last week detailed XXXX and as of today XXXX they state " REMAINS '' the company which XXXX states it '' XXXX accurate! How is that when I spoke with someone from XXXX notfifying them the debt was paid in full they confirmed it also by the XXXX XXXX XXXX on that same day! This is illegal and both parties Experian and XXXX to do whats right for the consumer! I will attached my proof paid debt.
Product: Credit reporting or other personal consumer reports

Kindly block and remove the unauthorized accounts from my credit report promptly. I did not open or authorize these accounts and have no knowledge of their origin. Pursuant to USC 1681g, I formally request their removal within 15 days. I have included the relevant documents for your review and reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit. XXXX XXXX XXXX has violated my rights. 

The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all 3 bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all 3 bureaus swell which This is ground for removal they also violated my rights under, 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 ALL NEGATIVE ACCOUNTS LISTED BELOW 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
Product: Money transfer, virtual currency, or money service

I am writing to formally address my concerns regarding Zelles approach to handling disputes, especially in light of the recent CFPB lawsuit that underscores significant shortcomings within the platform. Despite frequent use of Zelle and reporting transaction discrepancies, both my financial institution and Zelle failed to conduct thorough investigations into my claims. I was informed that recovering the lost funds was not possible and that tracking the transactions was unfeasible. The CFPBs findings reveal that Zelle has not only failed to safeguard consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is deeply troubling and raises serious questions about consumer protection.
Product: Debt collection

I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. This agency is in violation of 15 U.S.C. 1692G. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this Debt. I do not validate this debt. Therefore, the following account must be deleted from my report.
Product: Credit reporting or other personal consumer reports

Accounts are coming back as verified I am not aware of the accounts that are showing on my report. I am demanding a removal immediately. If there Is any further information that is needed please don't hesitate to reach out to me email. Please remove these accounts immediately thank you - XXXX XXXX