23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following :. What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account :. Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau 's ( XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit.
Product: Credit reporting, credit repair services, 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 : XXXXXXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX  Account number : XXXX Account name XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed hard inquiries from the companies listed below. te dispute was initiated by mail. Experian responded that they haven't received any mail dispute from me since XX/XX/2022. When in fact Experian contacted me on XX/XX/XXXX XXXX staing that and investigation was completed and the fraudulent inquiries remained. i have a copy of the letter used to request the investigation. It seem Experian never did any investigation because they deny receiving the document which initiated the dispute completed on XX/XX/2022 XXXX XXXX Bank U.S. Small Business admin
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is Sunday XX/XX/XXXX My name is XXXX XXXX. Current address XXXX XXXX XXXX XXXX XXXX, IN XXXX with a Mailing Address of XXXX. XXXX XXXX XXXX, IN XXXX. 

I have tried for more than a year to have Credit Bureau 's along with previous Creditor 's and ( UNAUTHORIZED ) Collection Agencies CORRECT/DELETE entries on my Credit Files due to VIOLATIONS of the FCRA, FDCPA, HIPAA OF XXXX, along with RISA AND the MVISA statutes to name a few. 

Not only are these " creditors ' in violation, but the " Credit Bureau 's '' as well. Even though I I have provided documented facts in the past, they maintain their records are accurate without providing verifiable proof of qualification. 

One of the many dates does go back, at least, to XX/XX/XXXX. 
I AM TIRED OF these companies CIRCUMVENTING the LAW!
Product: Debt collection

The debt in question was a violation of the No Surprises act, and as such was not to be paid but the medical facility sent the balance to a collection agency regardless. The collection agency has continued to harass me via text message, directly addressing my XXXX XXXX XXXX son ( the subject of the charges ) in their threatening correspondence. It is constant, and it is inappropriate to be writing their messages to my son.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$4900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1900.00} XXXX XXXX ( Original Creditor : APP XXXX ) XXXX Balance : {$1300.00}
Product: Money transfer, virtual currency, or money service

I wish to formally raise my concerns regarding the management of disputes by Zelle, especially in light of the recent lawsuit filed by the CFPB, which has brought to light significant issues with the platform. Despite my repeated use of Zelle and previous reports of discrepancies, I feel that both my financial institution and Zelle have not conducted a thorough investigation into my claims. They have communicated to me that recovering lost funds is impossible and that tracking these transactions is not feasible. The findings from the CFPB suggest that Zelle has not only failed to safeguard consumers but has also permitted repeat offenders to take advantage of the system, thereby putting users at risk of scams. The absence of accountability and transparency is unacceptable and raises serious concerns regarding consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED THIS BUREUA MULTIPLE TIMES REGARDING THESE UNAUTHORIZED HARD INQUIRIES. THEY ARE NOT COOPERATING AND HAE NOT GOT BACK WITH ME REGARDING THIS ISSUE. I HAVE MAILED MULTIPLE LETTERS AND ALSO CALLED THEM. THE UNAUTHORIZED INQUIRIES ARE AS FOLLOW : XXXX - Card Service Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Product: Debt collection

Conns XXXX XXXX started calling me on XX/XX/XXXX. Thwy are looking for someone named XXXX. I received 2 calls on the XXXX, XXXX on the XXXX, XXXX on the XXXX, 1 on the XXXX and one today ( XX/XX/20 ). I have explained to them that they have the wrong number. I have blocked their number, and now Im issuing this complaint. Each time I block a number, they call from a new one. When I tell them that there is not an XXXX here and that this has been my number for over a decade they say that Ill be removed. Sadly, they just keep calling me. If this continues, I will have to contact a lawyer and sue.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the correction of inaccurate information on my credit report. This is my attempt to rectify these errors, which are significantly impacting my creditworthiness. I request that you provide written confirmation of the results of your investigation and the steps taken to correct these inaccuracies. Additionally, please send me an updated copy of my credit report once the corrections have been made. Please help me correct or remove the following accounts : 1. XXXX  XXXX XXXX Balance Owed : {$0.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 

2. XXXX XXXX Balance Owed : {$0.00} - I need this account be corrected NOW. 

3. XXXX XXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

4. XXXX  XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

5. XXXX  XXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

6. XXXX  XXXX XXXX Balance Owed : {$710.00} - The payment history and status are inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the 7-year reporting period begins for accounts that have been charged-off or placed for collection. Please delete this account immediately. 

7. XXXX XXXX Balance Owed : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. 

8. XXXX  XXXX XXXX Balance Owed : {$79.00} - The limit to this account was a fraction of the amount due as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

9. XXXX XXXX Balance Owed : {$0.00} - XXXX believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays Bank in Delaware received a copy of my credit report without consent out reason.
Product: Credit card or prepaid card

I received in the US Mail a credit card from Barclays VISA with XXXX Rewards that I never requested. I never filled out an application or made any purchases that included a request for a credit card. I did not activate the card. I destroyed the card. Since then I have been getting monthly statements from Barclays with {$0.00} balance due. I called Barclays to request that they close the account on XX/XX/XXXX. They refused to close the account. They said I opened the account in XX/XX/XXXX, but I have no record of any such transaction. They said my wife had initiated the account which was in my name, but then refused to accept either her or my request to close the account. I contacted credit reporting agencies, and I do see the Barclays account listed, and I also see a hard inquiry on the XXXX report from XXXX XXXX  on XX/XX/XXXX which is the same date shows as the opening date for the Barclays account. I simply want Barclays to close the account, but they refused to do so and kept asking me for more and more personal information ( such as my email address, birth date and last 4 digits of my social security number ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Georgia XXXX, XXXX XXXX Equifax Dispute Resolution Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Demand for Immediate Removal of Erroneous Items Resulting from the Equifax Data Breach To Whom It May Concern, I am writing to demand the immediate removal of inaccurate and fraudulent items on my credit report that are a direct result of Equifaxs gross negligence in safeguarding my sensitive personal data during the infamous XXXX data breach. This breach compromised millions of consumers, including myself, exposing us to identity theft and financial harm. 

The items listed below are not only fraudulent but have significantly damaged my credit standing : [ List specific disputed items : Account names, account numbers, or any identifying information related to the dispute. ] Equifax 's failure to adequately secure personal information has caused me undue stress, financial loss, and reputational harm. Despite your companys legal obligations under the Fair Credit Reporting Act ( FCRA ), you have allowed false and inaccurate information to persist on my credit report. This is completely unacceptable. 

As a victim of identity theft stemming from Equifaxs negligence, I demand the following actions : Immediate removal of the disputed items from my credit report.

A thorough investigation of my claims, as required by law, and documentation of the findings.

Assurance that no further fraudulent accounts or inaccuracies will appear on my credit report due to your breach. 
Attached to this letter are copies of supporting documents, including : A copy of my credit report with disputed items highlighted. 
A copy of my government-issued ID. 
Proof of address. 
Any supporting evidence related to the breach and resulting identity theft. 
You are legally obligated to complete your investigation within 30 days of receiving this letter. Failure to resolve this matter promptly will leave me no choice but to escalate my complaints to the Consumer Financial Protection Bureau ( CFPB ) and consider legal action to hold Equifax accountable for its continued mishandling of my personal information and failure to comply with FCRA guidelines. 

I expect written confirmation from Equifax within 30 days that the fraudulent items have been removed and corrective actions have been taken. If you have any questions or require additional information, you may contact me directly at [ Your Phone Number ] or [ Your Email Address ]. 

Sincerely, XXXX XXXX XXXX ]
Product: Debt collection

I had a change of income and couldn't pay. Once I was I got put on a payment plan in XXXX till I realized that. I wasn't getting credit for my payments. It also was looking on XXXX XXXX like I wasn't making payments but I was to a collection agency. So I stopped pay.
Product: Debt or credit management

On XXXX, I received a phone call from XXXX, the caller identified himself as a member of the Financial Consumer Protection Bureau, and asked if I applied for a Discover Card in XXXX under the name of XXXX XXXX. The caller read me the last 4 digits of my SSN, the last 4 digits of my XXXX Credit card, and a variation of my credit card balance. I denied that I sought the Discover Card, and acknowledged the numbers he read to me. We agreed to not approve the DIscover Card. The agent then handed me off to XXXX XXXX, who offered to help me reduce my credit owed to XXXX due ot their overcharging me on their Credit percentage. I kept the call going and asked XXXX for his phone number - XXXX, and postponed a decision to take his offer. No money was exchanged, nor lost on this encounter. This is my first report of the incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX  letter submitted to you informing you that I am a victim of identity theft and I complain to question this items in my file occurred because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 attempted to get portfolio recovery associates to remove this account from my credit files on multiple occassions. I have requested to relieve the original application and copy of my drivers license. I have been told by them that they do not have that information. That I would have to contact XXXX XXXX directly. They are aware that when I try to contact XXXX XXXX their automated system transfers me to portfolio recovery, there 's is no way for me to contact XXXXl XXXX directly to request the information. I contend that XXXX XXXX never verified my identity before opening a credit card account. It was XXXX XXXX 's responsibility to verify my identity before opening an account. Because they did not verify my identity when they opened the account, the account is void and must be removed from all of my credit files. Every time I request this basic information from XXXX  XXXX I am sent a fraud affidavit, or a copy of a billing statement, they refuse to send me the information I am requesting. I am requesting that they send me the original application and copy of my drivers license that they have to keep in file, if they can not provide me with this information request, then the account is void and must be removed from my credit file.
Product: Credit card or prepaid card

I applied and got approved for a Barclay 's Uber Credit Card in 2018, but it has come to my attention that they are discontinuing the Credit card. I have not received guidance on how to cash out the rewards that I have accumulated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent account FrontLine Asset Strategies, has violated my rights.

15 U.S.C 1681 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: Debt collection

In XX/XX/XXXX, I noticed a collection on my credit report from Professional Finance Company ( PFC ). On XX/XX/XXXX, I sent a letter to the company to verify this debt. Their company received my letter on XX/XX/XXXX. They failed to respond to the letter of verification sent to them. After 45 days passed, I then proceeded to file a dispute with the Credit Bureaus specifically informing them that PFC did not respond to my request for verification. After disputing with the credit bureaus, PFC mailed me a bill with no explanation on how said bill belongs to me. On XX/XX/XXXX, I then mailed PFC again, to explain that the information provided was not accurate and the remove the inaccurate information from my credit report. To date, XX/XX/XXXX I have not heard back from.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT IS SHOWING A INCORRECT DATE OF LAST PAYMENT AND A INCORRECT BALANCED OWED. 

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

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2021 PORTFOLIO RECOVERY or XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX Dear Sir or Madam : As of XX/XX/2021 it is still displayed on all three of my credit report files, XXXX, XXXX XXXX XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my XXXX credit report, the items I dispute on the attached copy of the report I received.The information on Portfolio Recovery or known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX with a balance of {$1400.00} and another alleged account {$230.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX, Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report an account that I, XXXX XXXX XXXX XXXX ( CONSUMER ) reported as Identity theft since XX/XX/2018. I sent a police report and countless letters in regards to this matter. XXXX account # XXXX is not mines Block and remove it from my consumer credit file