23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I requested under:15 USC 1692g debt validation ( # 1. ) production of original contract signed by me agreeing to be responsible for debt, ( # 2. ) proof of debt assignment ( how & when company was assigned and granted authority to collect debt, a complete account and payment history of the debt in question, and proof that no insurance company or any other entity has granted payment to creditors, no insurance claim has been made and paid, and not tax write off has been granted for the amount of ye allowed debt. 15 USC 1681 the credit reporting agencies have a duty to accurately reflect correct info, this info is not correct, I was a XXXX child who never knew about or understand what this debt is, I could not legally and never entered into any agreement to be responsible for this debt, Creditor is fraudulently reporting knowingly erroneous info against my credit file/report. I have nothing to do with this account. I clearly was a minor who NEVER know about or agreed to anything with XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes. More so in the light of the recent CFPB lawsuit highliting significant issues with the platform. However despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. I was informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system leaving consumers vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I entered into the XXXX XXXX XXXX XXXX location with the intentions of purchasing a new/used vehicle .Upon making the decision on which vehicle I wanted I sat down with a sells rep to speak about my options. I advised the sells rep that I would be using my own funding from my credit union. A few months later I received a copy of my credit reports at which time I contacted the dealership as well as all companies that I had inquires from via phone, mail, as well as speaking with the Finance manager at XXXX XXXX XXXX XXXX in person who would constantly advise me to call the other companies. Many of the companies have stated that they have never had any of my personal information on file. The companies as well as the credit bureaus who said to contact the dealership. I have strong belief that my credit information as been leaked. Since then I have had multiple credit inquires report on my credit. Although I have tried to solve these problems on my own and have followed every protocol these companies have shown me less that the minimal customer service. During this entire process I have felt very unvalued as a consumer.
Product: Debt collection

Received the email without a company name or full account. Message was : The purpose of this email is to notify you that we are going to press charges against your name and social as in the next 72 hours at United States Courthouse XXXX XXXX XXXX XXXX, TX XXXX. After giving several notifications we haven't received any response or payment from your side. We will consider that you are ignoring this matter and you want to dispute. We are in a process to inform the Social Security Administration, your current employer & major Credit Bureaus as well. 
This is our last notification to you ; kindly update us ASAP so that we can proceed accordingly.

Note- If we don't receive any response from your side today, your case file will be downloaded automatically against you. After that we are unable to help you and you will receive court summons at your door steps with the cost of lawsuit around XXXX. 

Sincerely, National Credit Collections Collections & Legal Department XXXX XXXX XXXX # XXXX, XXXX, TX XXXX SSN listed is wrong. They state it is a loan/debt recovery. The stated amount due was {$760.00} transferrred on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I sent the attached letter to Equifax and they never responded to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

my students loan are reporting late payments back in 2015 however i was never late disputed with the credit companies transunion XXXX  and XXXX  i seen no proof ive sent in proof and it still reporting late payment on my credit which is keeping me from getting approve for a home loan
Product: Debt collection

As of XX/XX/year> XXXX XXXX XXXX is still reporting a medical collection of {$2800.00} after a final rule by the Consumer Financial Protection Bureau to remove medical debt from consumer credit reports.
Product: Debt collection

I have already gone through this once and transunion found the information to be accurate that was provided from Ability Recovery services. This is lying, FRAUD and ILLEGAL. The ones involved deserve prison time from the XXXX XXXX to ability recovery services and the ones that handled it with XXXX all deserve PRISON time and heavy fines. The saying is the lessons paid for you dont forget. You all need to remember this where you dont do others this way. You are lazy, reckless and stupid. Thieves. This is wrong. I want it off my credit now, not showing resolved but I want it nonexistent
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday XX/XX/2020 I attempted to call on the phone to Equifax they were unable to verify my identity over the phone I know I answered everything correctly so I'm concerned that there's some misinformation in the Equifax credit report file how do I go about correcting that if I can't reach anybody. furthermore I would like a free credit report cuz recently I've applied for some apartments and Rental credit checks were ran and I had a new bank account so I think I should be able to get a free credit report if not I think it's a new year of gen XX/XX/2020 so I should be able to get the annual free credit report.
Product: Credit reporting

Some of the information on my credit report is not mine credit inquiries XXXX XXXX XXXX is false and also there 's a credit for auto loan I do n't even have a car Someone is using my information none of the identification answers where mines help me please
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRY XXXX XXXX XX/XX/202XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and found some unauthorized inquiries that is being reported. I have made a list of the inaccurate information that I would like to be removed. I am in the process of starting a business. Please see all attached documents and remove the accounts that are included in documents.
Product: Credit reporting or other personal consumer reports

I am requesting that the account be closed and all charges be dropped. This is affecting my credit score, and I am being held accountable for charges and an account I never opened. My date of birth is XX/XX/XXXX of the year XXXX. I am providing a copy of my ID to verify that my date of birth is accurate and that I am who I claim to be. I am a victim of identity theft and did not open a Capital One MasterCard. 

On XX/XX/XXXX I was made aware of a credit card having been open with the use of my social security, name, and address. I do not know the account number, only the last for digits that were stated on a statement I received in the mail. The statement stated that I must pay off the total charges of {$1100.00} made with a XXXX XXXX from Capital One. Also, on XXXX XXXX I was able to see that the account has been open since XX/XX/XXXX. I am providing screenshots from my XXXX XXXX account as proof. 

In XXXX of the year XXXX, I was still a XXXX  at XXXX XXXX XXXX. This account should have never been open in the first place due to the legal age to open a credit card being XXXX XXXX XXXX. Under the Credit Card Act of XXXX and the Truth Lending Act, the opening of credit cards is restricted to minors. I do not and have not had a job, ever, meaning that I could have never been able to provide proof of a stable flow of income. 

I have tried resolving this issue since back in XXXX, but have only been going in circles. I call almost every three days and still nothing is being done. I have also filed a report with the Federal Trade Commission and XXXX. Not much has been able to be resolved as all the representatives I ave spoken to have told me that my date of birth does not match up with that of the account. I believe plenty of evidence proofs that this a fraudulent account and that this a case of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently had a credit card closed for unknown reason and was investigating the credit report. because of the security problems of Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending disputes to Equifax every 35-40 days since XX/XX/2017 and on multiple occasions the results where received less than 7 days or longer than 30 days. I even sent letters for verification of method used to investigate and haven't received any response either. I Have yet again sent out a letter for verification of proof on XXXX XXXX and Equifax still has not provided me with PROOF. They said the updated information which they have not.
Product: Debt collection

I was collected by ESCI who informed me that they represented US DEPARTMENT of Education. They told me that I had an unpaid XXXX loan back in XXXX that was not paid. I paid the school all the loan paid around XXXX, but I do not have any receipts from XXXX year ago. They begin reporting bad information to the credit bureaus and they informed me that it will continue until I repay the loan. They reported that I made payments for XXXX months this year but I didn't. I only heard of the debt this year after I supposedly made the payment. I have a letter directly from the US Department of Education that my student loans were repaid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FORMERLY XXXX all of the financial institutions above all violated15 U.S. Code 1681c - Requirements relating to information contained in consumer reports also15 usc 6802 a financial institution which has been listed above may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; the consumer is given an explanation of how the consumer can exercise that nondisclosure option. If XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not affiliated with TRANSUNION they can not disclose any nonpublic information to TRANSUNION without my consent which I have not given any consent.
Product: Credit reporting or other personal consumer reports

I submitted several disputes to transunion and XXXX and I keep receiving these stall letters stating that it don't look like I submitted them and that it looks like a third party had submitted my information I tried calling transunion and all I got was more stall tactics and the representative continually tried to get me to dispute with them and refused and they just hung up I haven't hired any XXXX to fix my credit I submitted all my information myself and I just want them to do their job and stop playing with my credit and livelihood.
Product: Debt collection

Have been receiving threatening letters and phone calls from collection dept of Citizens bank account no. XXXX in the amount of {$270.00}. Now I got a letter from a credit reporting company. Ive made several attempts via phone calls and USPostal Service. When I finally got a human on the phone, she wanted my SS no which I refused to disclose saying if you had a valid debt, then you would have the SS no. I said if u give me the number that you have and XXXX verify it if its correct. Agent refused. I am XXXX XXXX XXXX, suffer from XXXX advanced XXXX and I am unable to sleep nights due to stress related phone calls Im scheduled for a XXXX XXXX  in the next couple of weeks and this phony claim is extremely upsetting to me and is a deliberate attempt to inflict emotional distress.
Product: Mortgage

I made several attempts to file submit loan modification packet five times. each call that I made they told me my file was closed I was re-submitting loan modification packet XX/XX/XXXX they told me at Loan Care it was not enough time I told them it was sent since XX/XX/XXXX response was it has been denied dates submitted Dates XXXX. XXXX XXXX. I called all those dates to check if they receive the modification packet they stated not received until I XXXX told them I was filing a complain against them and speaking to my attorney on XX/XX/XXXX I called on a three way calling with XXXX XXXX assisted with the phone call advising them about filing a complaint against them double checked email address to submit loan modification to Loan Care @ LC-Mit @ loan Care.net
Product: Credit reporting, credit repair services, or other personal consumer reports

As I went to my tax professional to get my taxes filled, my consultant told me that I was not able to file my taxes due someone using my identity. As I'm trying to get that taking care I decided to get my credit report pulled. When I got my credit report there was a numerous list of things that I have never applied for in my life. Please remove these things off my credit as soon as possible. 

XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$260.00} XXXX  XXXX XXXX  XXXX XXXX {$19000.00} XXXX/XXXX XXXX {$470.00} XXXX  XXXX {$1600.00} XXXX  XXXX {$3700.00} XXXX  XXXX XXXX XXXX {$77000.00} XXXX/XXXX  XXXX {$140.00} DEPT OF EDUCATION/XXXX XXXX {$32000.00} XXXX  XXXX XXXX XXXX {$500.00} XXXX  XXXX   XXXX {$23000.00} XXXX XXXX XXXX XXXX {$30000.00} XXXX XXXX XXXX XXXX {$4700.00} XXXX XXXX XXXX XXXX {$8700.00} XXXX/XXXX  XXXX {$460.00}
Product: Credit card or prepaid card

Current.com was to send me and my child a credit card. The card never arrived. The company never answered emails/call/texts to address the missing card issue. The company has not addressed securing my Personal Information and Sensitive Data being collected. Current.com. Current App.
Product: Money transfer, virtual currency, or money service

I am contacting to show my concern regarding the issue with the disputes with Zelle. In light of their recent lawsuit being filed due to significant issues with the platform and my bank and zelle has refused to handle and investigate my claims properly or even at all. I was told that funds sent were non refundable and it wasnt no way to track or stop the process. This filing just shows the negligence in protecting consumers and allowing the constant exploitation of the system and people vulnerable using it.
Product: Credit reporting or other personal consumer reports

Someone keeps lifting the freeze I placed for an extended 7 years and they keep accessing my XXXX  credit account.
Product: Credit reporting or other personal consumer reports

I was recently turned down for credit when I applied for a credit card and I was highly perplexed. I took it upon myself to pull my credit report and was very confused about some of the items appearing on it. 
Please see the personal information listed at the top of this letter and remove all information that does not match it. 
According to the Fair Credit Reporting Act, I request that you start investigation these items and make corrections accordingly. I look forward to hearing from you. I would like you to conduct an investigation for me to make certain that everything is accurate.XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX  XXXX and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction with your decision to decline my identity theft claim. It is essential to clarify that your organization lacks the authority or legal position to determine whether I have been a victim of identity theft. Only I, the individual directly affected, can ascertain this fact. The following accounts are NOT MINE : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. Your refusal to acknowledge my identity theft claim compels me to take this matter very seriously. Should you persist in declining my position, I will not hesitate to consult with my attorney to pursue all available legal remedies to rectify this situation. I trust that it is in both of our interests to avoid such an unnecessary legal course of action. I reject your offer & advise you to process my dispute per FCRA laws. Otherwise, we will be seeking a legal remedy in this matter.
Product: Credit card or prepaid card

American Express closed all of my card accounts, they are upset because I signed up and was approved for the offers and earned points through a rewards program. They only want people to carry a balance and never redeem their points they earn. They also want people to pay the {$550.00} annual fees on their platinum cards, which I did. 

In my opinion, I did not violate any of their terms, I was approved for the cards they offered and I paid the {$550.00} annual fee. 

Keep in mind, this card was just opened last month in XXXX, and American Express closed my credit card accounts, took all my points and are not refunding any of the {$550.00} fee, even though its a 12 month fee so it should be refunded at least prorated for the 10.5 - 11 months. I did not get all the card benefits, so in my opinion them not refunding the annual fee at all is stealing from me. 

Is this the standard that you want to set for your customers American Express? Bait me into appying for a card that you approved me for, make me pay the annual fee and then close the card so I can't get any of the annual fee back? That is just wrong and is stealing. 

Please do the right thing and refund at least a prorated annual fee amount as a one time courtesy. I do not want to take additional legal action by taking this to small claims court. But trust me I will if I have to.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed Inquiries in Dispute : XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Navy federal credit union closed down my XXXX because a customer I had provided products to called and said the XXXX payment was fraud. I gave navy federal the product and all the information they asked of me. And still they did nothing. My XXXX is still not active.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I spoke with the fraud department for XXXX, XXXX and TransUnion. I pointed out over 25 unauthorized inquiries I found on my credit report, on XX/XX/XXXX, I went to apply for a personal loan and was denied. When the company pulled my credit, I was informed that my credit score was below XXXX. This is a problem because I haven't applied for any credit within the last 2 years. XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX