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

Equifax created a hostile environment for me when I worked for XXXX XXXX XXXX in the year of XXXX, there was a workforce reduction for a week, went back to work for XXXX within a week Equifax affiliate produce a credit report for me that I was born in the year of XX/XX/XXXX.I brought this up to the XXXX XXXX XXXX corporate office in XXXX  New York . The only reason I am using XXXX XXXX XXXX is because of that where it all began after getting laid off for a week back in the year XXXX  in XXXX.Equifax is now asking me to send in my personal information which, I have done this at least twice through USPS : Tracking number XXXX XXXX XXXX XXXX XXXX XXXX-Sent XX/XX/XXXX, this contains several personal information in the packet : Information sent to Equifax Information Services LLC XX/XX/XXXX XXXX XXXX XXXX XXXX Georgia XXXX 1.Letter from Equifax 2.One Photo ID of Drivers License 3.Copy of International Paystub : Dated XX/XX/XXXX 4.Copy of my SSN The second Packet sent : Tracking number XXXX XXXX XXXX XXXX XXXX XXXX Contained the same information as the first packet sent to Equifax Information Services LLC sent on XX/XX/XXXX. Also in this packet, a utility statement was sent, now Equifax is asking me to send in this information again I will not send it in after sending it twice plus faxing the information as well. Looking at it closely the information that is uploaded you will see on the document attached the date of birth you all createdXX/XX/XXXX, where I worked -XXXX  -XXXX XXXX-XXXX XXXX and my SSN which is located on the paper document that is uploaded.I will continue to fight because you all created a hostile environment for me as well as many financial matters in providing for myself as well as my daughter 's.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$1200.00} XX/XX/year> 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I called Chase about this additional charge some years back to get an explanation. They said it was due to an overdraft fee I had over 6 years ago that they don't even have documentation for anymore. 
I confirmed that I haven't overdrawn any of my accounts in years and if I did, I would have paid for that fee and purchase I made a long time ago. They said that they only way I could get rid of it is if I pay the balance of the card. 
I finally called again this year on XX/XX/XXXX and asked about it again since it didn't make sense the first time. This time they said that it was related to a loan/promotion/plan but again, I don't recall this and there is no record of this on my end and apparently not on theirs either. 
This interest charge has been on my account for 6+ years and has made it almost impossible to finish paying this card. As of the last six months these are the charges in addition to the regular interest charge of the card. 

PROMOTIONS/OTHER INTEREST CHARGE XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I'm requesting the documentation of this overdraft fee, which I would have paid years ago and should not be getting interest on. If it was a promotion, I want documentation that shows when and how I willingly approved or accepted this loan or plan. If neither of these exist, then it will be clear that they made mistake, these charges are not justified and that they will refund this money from years of unsubstantiated interest charges back to me.
Product: Credit reporting

Please remove all disputed items. 
Americas Servicing Co XXXX XXXX XXXX Also I have requested removal of the extended fraud alert 3 times. It still is on my report
Product: Debt collection

Have been called repeatedly by this company non stop for three months and have informed them to do any further communication by mail and to cease phone calls and now being threatened by mark on credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion continue to report fraudulent negative information on my credit report and will not remove it to no avail. They are in violation of the FCRA.
Product: Money transfer, virtual currency, or money service

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 has 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 consume safety.
Product: Credit reporting or other personal consumer reports

I have some accounts on my file that are not accurate. I do not have any balances or business with the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE FILED A COMPLIANT WITH CFPB and the FTC.
Product: Debt collection

Subject : Debt Validation and Request for Documentation I am writing in response to a notice I received from your company regarding an alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting validation of this debt. Specifically, I am asking you to provide the following information : 1. The full accounting of the alleged debt, including the total amount owed, the original creditors name, and any accumulated interest or fees.

2. The original contract or agreement that bears my wet signature, proving that I agreed to this debt. 
XXXX. A copy of the assignment or purchase agreement between the original creditor and your agency, demonstrating your authority to collect on this debt. 

The following accounts in question : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing the validity of this debt and request that all collections activities cease until proper validation is provided. If your agency is unable to provide these documents, I request that you remove this debt from my records and notify all relevant credit reporting agencies.

Please be aware that until this debt is validated, any negative reporting or continued collection efforts may be considered a violation of the FDCPA. 

I look forward to your timely response within the 30 days required under the FDCPA. Failure to respond adequately will result in further action to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  {$3900.00} This auto loan was taking out in  XXXX , I paid on this car until  XXXX , this vehicle was then sold by the auto loan company to a auction, they told me I was no longer liable for the vehicle due to no longer having a contract and the vehicle was sold and this company received money for it. I also received a letter from a collection company saying I owe {$1900.00} and still trying to collect debt. This account is now closed and a charge off on my credit, however, they are reporting to all  XXXX  credit bureau 's each month updating on my credit as if im paying the account late on  XXXX  currently they just reported I was late 90 days,  34  times and all other credit bureau 's says different amounts. I have disputed this with all  XXXX  credit bureau 's on two occasions, telling them I am no longer liable for this account and I have no contract with this company, I asked ach credit bureau to send me the documents validating debt, along with information showing this vehicle was sold and they received the remaining balance for, they have fail to send me any documents and will not remove this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit scores quite often and noticed that my credit scores had dropped a couple of days ago. I paid all my bills on time and did not understand why my credit scores had dropped so low in a couple of days. I contacted Equifax on XXXX XXXX, 2017 to check my report and was told that I may have been affected by the data breach. I contacted the other agencies to put a alert on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute to XXXX, XXXX and Transunion regarding a XXXX Account reporting on my credit report. It continually drops off and reappears displaying a balance of XXXX and balance dates, status dates continually changing from time to time. Its displayed as account status closed with a payment status as charged off. This is accurate information and this should be removed. I would like a letter of confirmation when completed as well. 
There is also a XXXX XXXX XXXX account that is not mine that is being displayed and I have submitted to be removed and again no resolution where it continually appears and reappears with revolving dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried communicating with this XXXX XXXX several times, as well as the collection agency. They are alleging the {$930.00} debt is for breaking a lease that I never signed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On/aboout XX/XX/XXXX, I requested a balance increase on one of my credit cards with XXXX XXXX. I have not previously requested a balance increase on this particular card because I intentionally keep available credit low. On XX/XX/XXXX, I received a reply denying my credit limit increase based on information Equifax provided to XXXX XXXX ( see attached ). The reasons provided for denying my credit limit increase are listed as : ( 1 ) credit score of XXXX ( 2 ) Derogatory public record or collection filed ( 2 ) Length of time since Derogatory Public Record or Collection is too short ( 3 ) Proportion of balances to credit limits too high on bank revolving or other revolving accounts ( 4 ) Too many inquires last 12 months. I then went online to Equifax 's website and requested a copy of my credit report which does not reflect the information they provided to XXXX XXXX ( see attached ). I then paid for a copy of my credit score with Equifax, which Equifax should! refund me, and my score is XXXX ( see attached ). Thus, Equifax has provided inaccurate and incorrect derogatory information about me to one of my creditors resulting in denial of credit that more than likely would have otherwise been granted had Equifax not provided inaccurate and derogatory information. I am including XXXX XXXX on this complaint so that XXXX XXXX is aware that Equifax is providing inaccurate and incorrect derogatory information about consumers.
Product: Mortgage

I got behind on my mortgage in XXXX 2016, that month I only had {$500.00} of the {$670.00} to pay so I sent the {$500.00}. The company still has that money and has n't applied it to anything and has not sent it back to me. I was n't able to make XXXX or XXXX payments due to replacement costs in the home. I sent the {$170.00} to get XXXX caught up but they sent it back refused to accept it saying they would only accept full payment for XXXX, XXXX and XXXX. How am I suppose to do that?
Product: Debt collection

Re : Request for Debt Validation Account Number : XXXX Dear Sir/Madam, I am requesting validation of an alleged debt your company is attempting to collect from me. According to your records, I owe {$120.00} to XXXX XXXX XXXX. Before making any payments or discussing the matter further, I would like to ensure that the information associated with this debt is accurate. 

As per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with the following information to validate the alleged debt : A detailed explanation of the amount claimed, including an itemized breakdown of the principal balance, interest, fees, and other charges. 
A copy of the original contract or agreement between the original creditor, signed by both parties and me, shows I agreed to the debt. 
The date of the original debt and the date the debt was transferred to your agency. 
Proof that your company is licensed to collect debts in my state, including your license number and the name of the issuing authority. 
The name and contact information of the original creditor, if different from the current creditor. 
Any payment history associated with the debt, including the dates and amounts of my payments. 
Verification that the debt is still within my state 's statute of limitations for collection. 
Please note that, under the FDCPA, collection activities must cease until you have provided the requested information to validate the debt. If you can not provide the required documentation, I request that you cease all collection attempts and remove any negative information about this debt from my credit reports. 

If the alleged debt is valid, please provide the requested information within 30 days of receipt of this letter. If I do not receive the information within this time frame, I will consider the matter resolved and expect no further communication regarding this debt. 

Thank you for your attention to this matter. I look forward to receiving the requested information. 

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

CFPB 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. 

XXXX XXXX XXXX XXXX : ACCOUNT # XXXX has violated my rights. 

XXXX XXXX  XXXX : ACCOUNT XXXX XXXXXXXX has violated my rights. 

XXXX : ACCOUNT XXXX XXXXXXXX has violated my rights. 

XXXXXXXX XXXX : ACCOUNT XXXX XXXXXXXX has violated my rights. 

XXXX XXXXXXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX has violated my rights. 

XXXX : ACCOUNT # 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 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, NC XXXX XXXX XX/XX/XXXX RE : Unauthorized Credit Inquiry Dear : TransUnion, I recently received a copy of my Credit Bureau Name credit report. The credit report showed a credit inquiry by the below listed companies that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have sent this letter via ConsumerFinance because I need your prompt response to this issue. 
XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thank you for your help, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.
Product: Debt collection

Thank you for your help. Two year ago. I did a debt settlement wit Midland Management For my XXXX Credit card and my XXXX credit cards. All was good. Then. All of a sudden two yeas later I received all of theses alerts that Midland credit was reporting me past due and keeping all this money on past due money that I dont owe. I still get calls from XXXX XXXX XXXX  telling met of pay and receive letters threatening legal actions for accounts that I did debt settlements on two years ago. This needs to stop please
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 11 inquiries showing on my XXXX  and 20 on Transunion that I did not authorize. I am a victim of data breach, identity theft and have requested these inquiries be removed from XXXX/Transunion and have had no success.Both Reports show 8 XXXX accounts student loans that are discharged and very old accounts showing derogatory and 1 XXXX XXXX  XXXX XXXX, the credit company just keeps updating the date so it remains on my credit repirt. Account for XXXX XXXX account Balance {$4500.00} showing negative and as Authorized user when I never signed any documents or aware of this account. XXXX XXXX as well is Fraud. I have requested over the phone removal of these items and they are very aware of my Police report as well as the discharge of my student loans. The loans are incorrect information showing. Please have them removed from both reports immediately as this is not the first time I have to go through CFPB.
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts identified in my report below are in violation and are not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts has violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

I am requesting for the original copy of the assignment contract to show full ownership of account. Failure to comply will forfeit your claims and will require you to delete all the list of items above. 

You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

Navy Federal took {$200.00} from a joint account that I share to pay bills. The amount was taken to go towards a Credit Card debt that they previously charged off. They stated they can not return the funds and they still collect on their own debts, and I should've gotten a payment plan. Before the account was closed Navy told me there were no payment plans available. I asked for something in writing that says they can take money from a joint account to satisfy a charged off debt. I didn't receive anything. The money taken has now put me in a hardship, because it was to pay my water and light bill for the month of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a account with Transunion, for collections company XXXX on my credit report. The account was hacked and compromised, I sent a filed FTC identity thief report and Police report. I have tried everything and this complaint is my last hope in fixing this issue. The company is non responsive and Transunion continues to report inaccurate information. Please help. I have attached the FTC identity thief report and Police report.
Product: Credit reporting or other personal consumer reports

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : 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 about Zelles dispute resolution process, especially in light of the recent CFPB lawsuit that highlights major issues with the platform. Despite using Zelle frequently and reporting discrepancies, both my XX/XX/XXXX and Zelle failed to properly investigate my claims. I was told that recovering the lost funds was impossible and that the transactions could not be effectively traced. The CFPBs findings reveal that Zelle has failed to protect its users, allowing repeat offenders to exploit the platform and leaving consumers vulnerable to scams. This lack of accountability and transparency is deeply troubling and raises serious questions about the safety of the platform for its users.