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

I recently reviewed a copy of my credit report report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) XXXX. Except as otherwise provided in this section, 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 XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX XXXX XXXX  Delete this account.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against XXXX ( PayPal , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, XXXX failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Ive submitted a FTC and a complaint with CFPB regarding me losing my wallet with all my personal information and ive been experiencing issues with accounts all over california aswell as the following addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a dispute in regard to the incorrect items on my credit reports .It has been well over 30 days and I have not received any investigation results.
Product: Credit reporting or other personal consumer reports

I disputed inaccuracies and violations from accounts on my credit report that I discovered. After months of Equifax sending stall letters I finally got them to investigate my dispute letter just for them to tell me everything is " accurate '' or " verified '' when I directly pointed out the violations and inaccuracies. Also, under 15 USC 1681i ( a ) ( 6 ) ( b ) ( iii ) I requested a description of the procedure that was used to determine how these accounts are " accurate '' or " verified '' which I still have not received. These accounts and the agency stall tactics that they are keep using are hindering me from a better future for me and my family. I need these accounts DELETED immediately.
Product: Debt collection

Over a period of a year the following occurred: 
Dishonestly told me they could not establish a payment plan unless I made a down payment and committed to a monthly payment I couldn't afford. Threatened that if I didn't begin. Along these payments they would garnish my wages. 
Omitted multiple requests to change my address, leading to never receiving ability to dispute an administrative wage garnishment. 
Placed administrative wage garnishment while not allowing my fair right to dispute. 
Despite their unlawful methods of implementing my garnishment, I attempted to  set up loan rehab and on XXXX) occasions of providing the requested info, I was told they never received it. And after (6) months of compliance, I was told these payments were not considered adequate since they "never" received my documentation. They would consider restarting the program after I finally requested I would no longer comply unless all contact was in writing and requested verification of what my balance was based on, since it doesn't match my loan info. They claimed this was a cease and desist, and would no longer deal with me or provide me with any additional information. 
Despite $XXXX in the funds they've recovered my balance has not gone down. To date they still reflect me owing the,  a balance of $XXXX. 
They have yet to provide adequate information breaking down the costs my debt they claim I owe. The info that was provided to me, only accounts for approx 30% ($XXXX) of the balance they claim I owe them ($XXXX). 
Finally after months of attempting to dispute the garnishment they finally rescinded it after I filed a complaint the myeddebt website. I provided hardship paperwork, however FAMS, nor their "special accounts" will discuss my account. I was directed to contact my Ed debt, Whom directed me back to FAMS, despite explaining their refusal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Portfolio Recovery Associates, LLC ( XXXX XXXX XXXX, XXXX, VA XXXX ) is attempting to collect a debt ( {$1300.00} ) that is allegedly past due since XX/XX/XXXX. The account was allegedly opened since XX/XX/XXXX, which is not true. They claim to have bought the debt from XXXX, XXXX, ( XX/XX/XXXX ) and are attempting to collect on a debt that is over 10 years old. This is illegal in CA and they still report this to the credit bureaus. XXXX has been ignoring my request to remove this old debt that is past the statute of limitations in CA. Portfolio Associates can not provide adequate evidence that this debt bought from XXXX is not older than 7 years. XXXX does not report this collections mark on my credit profile, while XXXX and XXXX does.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see on my credit report these accounts are unverifiable invalidated in accurate and very much so questionable if everything is not reporting 100 % accurate it must be removed which it is stated in the FCRA 15 US Code 1681i last time I read it the law is the same. There are inquires on my credit report that do not belong on there, according to 15 U.S.C 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) In Section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. I did not authorize or give CONSENT to anyone employed by the this company to make any inquiry and view my credit report. Further more I did not GIVE any kind of instructions to report this ALLEGED inquiry on my credit file. 15 U.S.C. 1681b ( a ) ( 2 ) PERMISSBLE PURPOSE OF CONSUMER REPORTS I did not give any written permission for these companies to place inquiries on my credit report this is not right ... FDCPA Section 807 Violation Misleading False deceptive, or misleading representation or means in connection with the collection of any debt. The account must be removed!
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 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 consumer safety.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

Recently while conducting a monitor of my credit report I discovered some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and from third parties. I do not recall giving permission to use my information to a third party for the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. Please provide breakdown of fees including any collection costs and charges 2. Provide a copy of my signature with the provider of service to release my information to you. 3. Cease any credit bureau reporting until debt has been validated by me. 4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can be perceived as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I sent a certified letter to LexisNexis to dispute the inaccuracy, compliance, and reporting of a public record that they maintain under my social security number. In this letter, I requested that they please validate this information with the court and provide me with copies of any documentation associated with this account, bearing my signature. On XX/XX/2018, they responded back stating the bankruptcy is accurately reporting on my LexisNexis RiskView report. This is false information, being that I received a letter from the Bankruptcy Court stating that they do NOT perform any activities with the credit bureaus. Then on XX/XX/2018, I received another letter saying that I requested them to initiate a dispute on my behalf with XXXX, XXXX, and XXXX, but they have not received a response to date. I DID NOT GIVE THEM PERMISSION TO DO SUCH AND THIS WAS NOT A REQUEST IN MY DISPUTE LETTER!!! In the response I received from LexisNexis, they have not only violated federal law, because reporting per FCRA should be 100 % accurate, but they have failed to properly provide any viable evidence, bearing my signature or showing the account is being reported accurately, which is what I initially requested. I have attached evidence to support my complaint. The entry is inaccurate and unverified so I am requesting it be deleted/removed from LexisNexis & also from the 3 major credit bureaus - XXXX, XXXX, and XXXX, being that LexisNexis is who reported the information to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The Credit Bureaus must remove any item that was 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 : {$27000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX IL XX/XX/XXXX
Product: Debt collection

LVNV FUNDING LLC reported an incorrect account to my XXXX  Credit Report and was unable to verify that the debit was mine along with not being able to validate this loan.
Product: Credit reporting or other personal consumer reports

I understand that FCRA 605B obliges us to delete incorrect accounts from my credit report. Could you examine the documents? Some of the listed accounts show inaccuracies in reporting, amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent in letter to the reporting company to fix my personal information and nothing was changed. There are still unknown addresses and names that dont belong to me on my account
Product: Money transfer, virtual currency, or money service

about 6 months ago XX/XX/XXXX i opened a venmo banking account because i had just got my paper check from XXXX  XXXX $ and i couldnt go to the store to cash it because i didnt have no id so i downloaded venmo and cashed my check there it worked but i wasnt able to transfer it because it kept declining my transfers and i also tried to use my money otherwise and declined that transaction with XXXX  after a few more tries they suspended it and remind you i didnt have my id so it was hard trying to get it unfrozen i contacted them and let them know i didnt have the hardcopy of my id and i asked them about the account and if i can use my id receipt and the lady said yeah but in the email the account specialist saud no they couldnt use so i waited all the way until XXXX and still didnt know what was wrong with my account and why my purchases kept declining and the transfers kept declining but about XX/XX/XXXX i got my account reinstated over the phone with venmo because i threatened to retain legal action but they unfroze it and i still wasnt able to use my money ir make transfers i even unlinked my card and my other bank account abd added my mothers card and bank account but that still didnt work nor the transfers so i called them again and the lady said that i should be able to use and make transfers the very next day with the funds i had available abd to call her while XXXX made the transfer so i waited the next day called and spoke with the supervisor and it still didnt work and my acount was back suspended the supervisor got mad at me and told me she couldnt reinstate my account over the phone but mind you i told you the dude did the first time so i asked if she could just send my a check i dont care about the account anymore its just the money i really need it and i worked hard for that XXXX $ plus i have a baby due this month on the XXXX he needs things i need things its just frustrating and its like they got locks on my account and holds and i just want them off so i can use my money
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX  sold the debt to another company. They are reporting the wrong date. I was not supposed to be sold to a 3rd party. I did not authorize this transaction.
Product: Credit reporting or other personal consumer reports

This collector is not licensed in my state. Under the Fair Debt Collection Practices Act. Im not liable for this debt with Eastern Accounts System. I do not have a contract with the collection agency. They did not provide me with the original contract as I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Item # XXXX XXXX XXXX XXXX XXXX XX/XX/201XXXX XXXX
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX VIA DEALER XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have no idea what this collection is for - it just showed up on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Can't get a copy of my full credit report with my score and the last time I checked my score on XXXX XXXX  and every time prior to that on XXXX XXXX or from having my credit ran only Equifax is XXXX points or more lower than my other XXXX credit scores. Sometimes it's over XXXX points lower with the same information across all of my credit reports. My personal information has been breeched because of their negligence multiple times and now they are sending inaccurate credit scores to lenders that one lender told me was XXXX points lower than XXXX. My XXXX score was XXXX and my score for Equifax was XXXX! Every piece of information was identical every bill every payment every amount address you name it. They were part of a class action lawsuit there are other lawsuits for similar situations by individuals and some of the information is below. 

Equifax sued over glitch sending inaccurate credit scores to lenders. Consumer credit reporting agency Equifax is being sued for a three-week glitch earlier this year that XXXX have sent incorrect credit scores for potentially millions of Americans to lending agencies and banks across the country.
Product: Credit reporting, credit repair services, or other personal consumer reports

While XXXX my identity was stolen by ex family members. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX RE : Dispute Re : Account # XXXX SSN : XXXX XXXX XX/XX/2020 XXXX To Whom It May Concern : Thank you for taking the time to read this letter. I recently noticed that my credit report contains a late payments reported on for an account I assert was not open by me. After trying to resolve the matter I settled the balance in good faith to restore my credit rating and hope for I am fully aware I had financial obligations to you. Unfortunately, due to not securing my home and personal property, I made a mistake in falling behind. If not for this, I would have an excellent payment record. Im sending this letter because when I checked my most recent credit report, I noticed it contains a late payments. I dont want to dispute the accuracy of this report. The late payments was a one-time oversight on my part, and I have since brought my account to good standing. 

I want to request a one-time goodwill adjustment on my credit report. I am in the process of buying a home, and this will allow me to take advantage of the lowest interest rates available. 

Other than this one-time mistake, I have a history of making my payments to XXXX on time. I hope you will consider my request and remove this late payments from my credit report. 

Let me know if you need any additional information from me, and thank you for considering my request. 

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

Please remove these negative items off my report it has been more then thirty days and I have not been notified but the bureaus at all these accounts have not been verified and I did some research and if its not verified it has to be removed and original documentation has to be shown I am completely frustrated by not having these items remove