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

I have sent the companies a letter requesting to opt out. Per XXXX5 USC 6802 of all an any authorizations i the consumer may have given written nonwritten verbal or non verbal consent which i have not. 

XXXX is a consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Privacy act 1974 states The Privacy Act of 1974 is a federal law that protects individuals ' privacy by establishing a code of " fair information practices '' : Protects individuals The Privacy Act gives individuals the right to : Request their records Request changes to inaccurate, irrelevant, untimely, or incomplete records Be protected from unwarranted invasions of privacy Governs federal agencies The Privacy Act requires federal agencies to : Comply with statutory norms for collecting, maintaining, accessing, using, and disseminating records Publish notice of modifications to or the creation of systems of records in the Federal Register Maintain accurate, current records Notify the public of all systems of records it creates by publishing System of Records Notices ( SORNs ) in the Federal Register The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Experian is not being fair and reporting inaccurate information on my consumer report. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
Product: Credit reporting or other personal consumer reports

my credit report is inaccurate across credit reporting agencies equifax and XXXX. They are showing a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX that have confusing information. I demand that this be investigated and deleted from my credit profile across all bureaus do to inaccurate information.
Product: Debt collection

This day is not mine and it has never been mines this originated from my son who was at the time XXXX years old and he had health insurance at the time which was medical do this state because he was receiving social security XXXX and I told this creditor this was not mine this is my child into charge medical for this emergency rooms is it which they shouldn't charge them for but if it was going to charge him they should have put it to medical because he had health insurance I don't know how this got in my name and I don't owe this because it's not mine and they should have built medical when I attempted to explain the situation they told me that any told me that they can't look it up because it's too old and I no longer have any record of it this is not my eyes every time I try to dispute it it says it's accurate that it's mines and it's not I want it off my credit report is affecting my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

i got this accountwhich does not belong to me and i need it to be removed from my credit in the XXXX credit reporting agencies. 
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Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

They know what happened. Do their XXXX job and remove the fraudelent information from my credit report. My identity was stolen. I've asked numerous times for the original verification documents, yet they keep closing the case and saying, " we already investigated ... '' but provide no proof of investigation. And they are clearing it in under 12 hours each time, which means they are not investigating it, they are using an automated system to clear it out.
Product: Money transfer, virtual currency, or money service

I was told there was a law suit and I would be contacted they sold my info I get bills every month that are not mine and I got a XXXX dollar tax return that's not mine
Product: Debt collection

The FDCPA forbids the harsh, dishonest, and unjust techniques that this debt collector used. They provided this account, which I did not sign an agreement on. I did not take part in any of the signings that two parties make in a legal contract. Furthermore, they didn't follow the right 5-step validation process, which makes their actions unjust. I am entitled to {$1000.00} under the FDCPA for each breach, and it is obvious that my rights were infringed. 

FRANKLIN COLLECTION SV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I kept getting the same repeated phone calls and voicemails multiple times per day. It sounded like a scam so I didnt respond since they never told me who they were on voicemails. I finally got a hold of them on XX/XX/19 when I found out they had called my sister, my father and my brother. They left a very personal voicemail on my brothers cell number. I have asked NUMEROUS times not to call my family members. When I spoke with the company on XX/XX/19. The man I spoke to was aggressive, rude and down right demeaning. I explained I wasnt currently working due to a health issue but I would like to rectify the situation when I can. He got very aggressive after I said that. He was excessively rude. I have a copy of the personal voicemail that he left on my brothers phone line. It was NOT okay to share my personal info with anyone other than me.
Product: Credit reporting

Wells Fargo National Bank ran a credit report on me without my authority or permission!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Debt collection

This past week I check my credit and found that this company : Debt Recovery Solutions , LLC - put that I owe something from XX/XX/XXXX, this is not true when I start looking for information said that was from XXXX XXXX and I look back and I paid off that account and don't owe anything.. that was in XXXX. 

I did not get any communication, no mail no calls, anything.. when I try to call nobody answers, and when I check the phone number in the credit bureau did not work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of Education continues to increase payments on credit file. Currently enrolled in XXXX XXXX XXXX XXXX XXXX. Account is currently in Forbearance. Made several Attempts to resolve with company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion Credit Bureau to validate these accounts ( A ).

I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00}, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$7800.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Purchase vehicle on XX/XX/XXXX from XXXX. I put {$2000.00} dollars down on a XXXX  XXXX XXXX. My first payment was on XX/XX/XXXX. I explained I was not able to get in the portal because they had my information wrong. on XX/XX/XXXX i received a phone call stating that I had to make a payment or they were picking up the vehicle. I explained my check was mailed and have not received my paycheck. I told them i was going to try and borrow the cash but may not be able too. on XX/XX/XXXX I received my check in the mail. I did not have time to cash it and make a payment. on XX/XX/XXXX approximately XXXX they came to my place of employment and repossessed the vehicle. They stated they will close the loan and i am not able to get the car back. This car reported on my credit on XX/XX/XXXX. The account was closed on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Walmart capital one added that I was late XX/XX/2021 when I had a auto payment scheduled. Regardless the fact I have two payments paid that month overall there excuse when I talked to them was that because the auto payment wasnt enough cover the exact amount needed be paid it showed as I didnt pay which is not my fault because I have them on auto payment and they should be okay with raising it if needed if I supposedly owe more not wait and give me bad remark and I always pay everyone I have no other negative remarks on my credit cards. I want keep it professional keep my 7 year relationship with them. I called tried speak for help three times last day was today XX/XX/XXXX and they stated they cant do anything about it. They wanted me send them what my credit report was saying because they are stating they did not add that I had a late payment. this is only negative thing on my account Im thankful for my partnership want to make it keep lasting but I would need help assisting me with this issue. I would really appreciate that this is removed from my credit report. I make all my payments on time and very grateful. Im just very confused why they keep saying they never reported it as a late payment when all my apps clearly state late. This is not right judgement i am very unhappy with them not making sense if autopay wasnt enough there system shouldve been the ones to update it they have my approval through autopay! I am not getting this!
Product: Credit reporting or other personal consumer reports

Requesting the removal of many unlawful hard credit queries from my credit report is the goal of this complaint. The illegal inquiries are noted in the copy of my credit report that I obtained from your bureau. Per the Fair Credit Reporting Act, kindly look into my allegation. Provide me a copy of my updated, accurate credit report as soon as you can, and please remove any illegal inquiries you discover. 
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 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 express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about costumer safety.
Product: Student loan

I defaulted on a set of loans from Discover a few years ago. However, despite making all of my payments at times late, but always paid in the month it was due, for over a year, they still call me sometimes multiple times a day. 

I have called them multiple times to ask them to stop. They have not. Any number in the images below with the number XXXX XXXX XXXX XXXX XXXX is from Discover Student Loans. 

This is harassment. This should be illegal. They literally call me the day after I have made a payment.
Product: Debt collection

I called the debt collecting agency, REVCO XXXX, about a previous debt, and the representative told me about an account under my name. I asked to dispute it because the charges were not mine. The rep said she would file a dispute and never gave me any next steps before disconnecting. I was unaware that I had any accounts with them. I asked them to verify my address, and they had the incorrect address. The debt collector claims to have sent statements and collection notices to my home, but I never received them. 

Upon investigation, I discovered they sent all correspondence to the wrong address, depriving me of my right to dispute the debt in a timely manner. I told them I wanted to dispute these charges, and they said they could do nothing until they heard from the original debtor. I also called the original debtor, and they said there's nothing they can do because the accounts are years old and it's no longer in their systems. REVCO XXXX  won't let me dispute these charges, which are not mine, and I was never informed about them. I have attached a recording of a representative admitting that they had the incorrect address on file around XXXX in the recording, he states XXXX instead of the correct city of XXXX. They failed to properly notify me, violating the FDCPA ( 15 U.S. Code 1692g - Validation of debts ).
Product: Credit card

I noticed an alert on my credit report stating that my Ashely furniture account had been closed with Sychrony bank. They also did the same with my Amazon card. Look, we need to look into a class action lawsuit against this financial institution. There is nothing on my account payment history wise, for either account Ashley furniture or Amazon, indicating the accounts needed to be closed. There were no missed payments on either account causing concern. People are free to use their line of credit however they want as long as the account is being paid. They agreed to extend me the lines of credit. If I'm paying as agreed, I'm not sure of the problem. We need to understand if what they are doing, closing the accounts without proper notification, is legal. If this is the case, financial initiations everywhere can just decide at leisure to close someone's line of credit no matter what. That is a breach of contract.
Product: Debt collection

This company has placed a collections on my credit although I have no contract with them. This company has called me several times leaving a message saying that someone will be at my home within the hour to deliver legal papers for my arrest. They end the message with " You 've been warned ''. The agents at this company use scare tactics when you return their call. They say your case is so severe I have to transfer you to our legal department. This company has called my daughter 's phone threatening to arrest me which was very traumatic for my child.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO UCC 9-210. I AM DISPUTING VALIDITY OF THIS NEGOTIABLE INSTRUMENT UNDER UCC 3-104. I EXPECT XXXX AND EXPERIAN ACT IN AN OBLIGATION OF GOOD FAITH FOR THESE COMMERCIAL CODE REQUESTS UNDER UCC 1-304. ADDITIONALLY, BECAUSE ALL FUTURE, PAST, PRESENT DEBTS ARE PREPAID UNDER HJR 192 OF 1933, 31 U.S. Code 3123, AND 18 U.S. Code 8, AND ARE OBLIGATIONS BY THE FEDERAL CORPORATION OF THE UNITED STATES OF AMERICA ; THERE SHOULD BE NO BALANCE, LATE PAYMENTS, OR CHARGE OFFS SHOWING ON A CLOSED ACCOUNT. XXXX XXXX  Account Number : XXXX If there is a failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradeline deleted from my consumer report persuant 15 U.S. Code 1692e.
Product: Money transfer, virtual currency, or money service

I am writting to formal express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the service. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering the lost funds were impossible and that tracking these transactions were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect its customers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the source for the credit agency Lexis Nexis to dispute bankruptcy case numbers XXXX and XXXX they have conducted an investigation and deleted the information. They informed me that that the reporting agency could see that it's been removed from the reporting source. The reporting agencies, XXXX, XXXX and XXXX continues to report that Lexis Nexus is reporting the information is correct and remains the same. I've submitted the report from Lexis Nexis and they still refuse to correct the information or show proof of anything different from Lexis Nexis or the Courts.
Product: Credit reporting or other personal consumer reports

Initially I had a hard inquiry on my credit report from XXXX XXXX on XX/XX/2023 when someone used my identity to try to start a line of credit with them. I was able to speak with XXXX XXXX and after a few weeks they sent me a letter stating the application was fraudulent and they would be sending out a letter to the credit bureaus requesting deletion. After this happened I put a credit freeze and fraud alert on all 3 of my accounts with the credit bureaus. Now on XX/XX/2023 the name of the inquiry has changed to XXXX XXXX XXXX XXXXXXXX XXXX, it has the same date as XXXX  XXXX and everything. Soon as XXXX XXXX sent me the letter stating it was fraudulent the name of the inquiry changed but with the same date. I dont know how this company magically appeared on my credit report when I have it frozen and a fraud alert on it. It only showed up on my XXXX and Transunion as XXXX had removed the fraudulent hard inquiry from XXXX XXXX XX/XX/2023. Im not sure why a new name is popping up on my inquiry list for the exact same date. I spoke with the XXXX XXXX XXXX XXXX in XXXX NC, and a guy named XXXX, the finance manager said they hadnt pulled my credit and I wasnt in their system, yet theres a hard inquiry on both my XXXX and Transunion stating otherwise. He told me that he couldnt give me a proof of deletion letter as that would be admitting they pulled my credit when they didnt. Yet theres is proof that I showed them via email, where their companys name is on my credit report under hard inquiry. I have not given this company or any company to pull my credit. I am not sure what is going on, I thought everything was handled when XXXX XXXX sent me the letter admitting it was a fraudulent pull, now this inquiry has popped up XXXX weeks later but with the same date as the XXXX  XXXX XX/XX/2023, but now the XXXX  XXXX inquiry is magically disappeared with no letter from either credit bureau stating a removal, only thing happened was a change of name.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX- to removal negative accounts Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX, I am writing to formally dispute the accuracy of certain information contained in my credit report, specifically regarding the improper re-insertion of inaccurate information and the handling of my disputes, as highlighted by the recent allegations made by the Consumer Financial Protection Bureau ( CFPB ) against your organization. 

According to the CFPB, XXXX has conducted sham investigations and failed to properly address consumer disputes regarding inaccuracies on credit reports. The CFPB 's findings indicate that XXXX has not adhered to the requirements set forth in the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies take necessary steps to ensure the accuracy of consumer reports and conduct thorough investigations of disputed information. 

The accounts in question that have been improperly reinstituted or mishandled include : - 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 These accounts contain inaccurate information that has negatively impacted my creditworthiness and financial opportunities. The CFPB has indicated that XXXX has engaged in practices that violate consumer protection laws, including the FCRA and the Consumer Financial Protection Act ( CFPA ). Such conduct not only contravenes the law but also threatens consumers ' access to credit, employment, and housing. 

As a result, I am requesting that you take immediate action to remove all accounts listed above from my credit report across all three major credit bureaus. I expect to receive confirmation of these removals and a detailed explanation of the steps taken to rectify this matter. 

Thank you for your prompt attention to this issue. I look forward to your response within the timeframe specified by the FCRA. 

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

Got an alert that someone tried to open a credit card in my name XXXX XXXXXXXX XXXX