23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX DISCOVER FINANCIAL SERVI XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX : Account number XXXX Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. 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 legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX
Product: Checking or savings account

I deposited a check it was verified by bank & it was cleared so funds were used then days later I'm told the check was no good so there was an investigation done & they told me check was fake well if bank cleared it obviously isn't wasn't fake & even if it was how am I suppose to know that. if it fooled the banker then it's obvious I had no idea but I still waited til the check fully cleared & all the money was released so I told them I can give them the original check that was sent to me to prove that it was a legit check also the company that sent it to me hacked into my account & took my money over drafting my account causing bank to take more money from me then I paid a rental car company with my debt card but reserved it with my credit card so when I returned the car XXXX person harged the rental fee with my debt card & another associate charged to my credit card so I disputed XXXX of the charges & had documents to prove that I was charged twice & they was payed twice & I had the original receipts before the rental car changed paper work & bank refused to look at them so now I'm XXXX of dollars neg in my account after my XXXX check was fraudulently taken then the bank took my XXXX causing me not to be able to pay rent so I was evicted after XXXX of paying my rent without XXXX late payment so I have the proof to show them but they refused to look at so now I'm a XXXX XXXX age female XXXX & out on the street when I went there with my documents they told me there was Noone there that handles anything like that I asked where do I go I got no XXXX & ; was asked to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was said to be in forbearance during the 2020 Covid-19 Pandemic. 2 months later I checked my account XX/XX/2020 and it said it was past due. I immediately made a payment for the 2 months and then setup on auto pay. I am requesting this to be removed from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company sent people to my home. I returned their equipment as required in the boxes provided. I never received credit for the returned equipment, instead I am in collections for a far greater amount. The original amount was under {$300.00} and that equipment was returned to them, now they have a {$980.00} collection charge on my credit report! 
They have harassed me to no end and because sending people to my house didn't work they decided to go with an obscenely high dollar amount to inflict more aggravation on me.
Product: Credit card

Dear CFPB and Macy 's XXXX XXXX, I am writing to formally request the immediate removal of inaccurate late payment information from my credit report. This misinformation has had a profoundly negative impact on my mental health and well-being. The incorrect reporting of these transactions is not only damaging to my character but also a violation of the Fair Credit Reporting Act ( FCRA ). 

The erroneous late payment entries are illegal and should not be included in my consumer credit report. These inaccuracies have led to unjust judgment and missed opportunities, resulting in significant actual damages to my life. I am deeply distressed by the effects this situation has had on my personal and professional circumstances. 

I urgently demand that you correct my credit report to reflect a status of " paid as agreed. '' Failure to address this issue promptly will leave me no choice but to pursue legal action in federal court to protect my rights and seek justice. 

Thank you for your immediate attention to this critical matter. 

Sincerely
Product: Credit reporting or other personal consumer reports

Dear Experian Representatives, I am formally submitting this dispute regarding the account reported under XXXX XXXX XXXX XXXX  on my credit report. This account has been reported, deleted, and reinserted multiple times, which is a clear violation of federal law. 

Frankly, this account contains so many errors and has been reinserted so often that I begin to question whether Experian respects my consumer rights and complies with consumer protection laws. 

Serious Errors in the Account and Violations of the Law : Repossession with No Late Payments According to Experians own records and the agency that issued the account, there were never any late payments. However, the account is reported as a repossession, which is contradictory and a serious inaccuracy. 
Violation of 15 U.S.C. 1681e ( b ) : Experian is required to follow reasonable procedures to ensure the maximum possible accuracy of consumer reports. 
Lack of Legally Required Documentation for the Repossession Neither Experian nor the creditor has provided any documentation to justify the repossession of the vehicle, even though this is a legally mandatory process. 
Violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : A credit reporting agency must conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

Fraudulent Address and Phone Number on the Report The account was initially reported with an address where I have never lived and a completely unrelated phone number. 
Violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : An information provider can not report false or incorrect data on a credit report.

Failure to Verify the Account by the Creditor I personally requested a full report on the accounts details from the creditor, yet they never provided verifiable information. 
If the creditor failed to verify the account, how does Experian obtain and report this information? 
Violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If information can not be verified, it must be deleted from the credit report.

Account Opened When I Was Not Residing in the XXXX

The account was opened while I was not residing in the XXXX XXXX, which clearly indicates it is fraudulent. 
Violation of 15 U.S.C. 1681c-2 ( a ) : Consumers have the right to request the permanent deletion and blocking of fraudulent information. 
Demands and Requested Actions : Immediate and permanent deletion of this account from my credit report.

Definitive blocking of this account to prevent any future reinsertion. 
A detailed, written response sent by mail outlining all actions taken regarding this matter. 
If this issue is not resolved properly, I will proceed with legal action against Experian for the damages caused to my ability to receive fair financial treatment due to the repeatedly reported fraudulent information. 
Since Experian has never conducted a proper investigation, I demand that this matter be handled with the seriousness it deserves. I expect a written response via postal mail detailing all actions taken as soon as possible.
Product: Credit reporting or other personal consumer reports

I am filing this report due to fraudulent accounts on my fico score. I was also impactred by the data breach by equifax and I know there is a lot of fraudulent activities happening on my credit profile. I need these things investigated. I have been getting illegal calls from creditors and I researched on my own that theses things are illegal and under the fcra I am asking to have all these items removed from all XXXX credit bureaus. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These items has collections, bad debt and hard inquiries on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a hardship program because I was out of work due to medical issues and had falling behind by two payments. that went from XXXX per month to XXXX so XXXX stated that my payments would be lowered to XXXX per month for 12 months. to give me the opportunity to catch up. I was told as long as I make timely payments that I wouldn't be removed from the program. so I asked if they could do automatic payments they stated yes. so we set them up. I recieved paperwork in the mail in which I still have, and since the original call XXXX has been reporting to the credit bureau as me being delinquent. and I feel as thou this is unfair to not only me but to any consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has failed to comply with the Gramm Leech Biley Act 15 USC 6802. They never gave me the ability to opt out and used my information without my permission, which is identity theft. 

There was also no Permissible purpose for this Account # XXXX to be listed on my credit report. Both permissible purpose law ( 15usc1681b ( A ) ( 2 ) and the GLBA have been violated and it is identity theft. 

According to 18 USC 1028 ( a ) ( 7 ), it defines identity theft which is just someone possessing, transferring or using a means of identification of another person unlawfully. This is what took place. 

XXXX, Equifax, XXXX and XXXX " regularly engage in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 

These companies have all violated either of the two which both constitute identify theft. 

I have contacted the Attorney General 's Office, XXXX, FTC and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

I demand Account # XXXX be removed from my credit report and file or I will be seeking statutory damages since you willfully violated the obligations under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Per FCRA section XXXX you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

TRANSUNION COLLECTIONS : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Balance : {$75.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Balance : {$200.00} XXXX & XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Balance : {$590.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) Balance : {$470.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX COLLECTIONS : XXXXXXXX XXXX Balance {$75.00} XXXX XXXX Balance {$15.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance : {$75.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance : {$200.00} XXXX & XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Balance : {$590.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) Balance : {$470.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTIONS : XXXX XXXX Balance : {$470.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau 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 relating to any transaction by the consumer. 

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 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: Credit reporting or other personal consumer reports

" I previously challenged the erroneous and incomplete information on my credit report, yet [ XXXX/Experian/XXXX  ] did not correct it, thereby violating the Fair Credit Reporting Act ( FCRA ). To support my challenge, I provided clear evidence, including : - Marked credit reports that highlight all discrepancies and inconsistencies.

- A formal dispute letter outlining the errors and specifying the necessary corrections. 
- Copies of my government-issued ID, Social Security card XXXX and proof of address to verify my identity. 

Despite submitting all the required documentation, the inaccuracies and omissions remain on my credit report. Under the FCRA, my report must be accurate and complete, and the failure to make these corrections constitutes a violation of the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

NAVY FEDERAL CREDIT UNION is furnishing inaccurate and incorrect information to the Consumer Reporting Agencies. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household uses. 

You and your inaccurate reporting has damaged my livelihood.
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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number: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, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent in a request for EQUIFAX to update my creit report information and remove unauthorized inquiries. I sent in documents to verify my identity which were my drivers license that shows my current address, my social securuty card, and a bill that shows my mailing address. I contacted EQUIFAX omn the following dates : XXXX, and XXXXI explained to EQUIFAX that I am unable to retreive my report from MYEQUIFAX.COM.It tells me that I have no identifying information and none of my credit accounts show on the report, everything shows XXXX.EQUIFAX claims to have escalated this issue 6-7 times to no avail. EQUIFAX gave me a case # XXXX on XXXX, and informed me that it would be escalated yet again. I pay for credit monitoring services and I'm unable to retreive my credit report neither are my creditors. I just attempted to retrieve my credit report today and it says '' NO INDICATOR ON FILE '' .I have attached the report from today as well. EQUIFAX continues to delay in correcting this issue that Iv ; e been dealing with since XXXX XXXXEQUIFAX has my identifying information and documents ( color copy ) that verify my identity.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of 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 CFPBs 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 had a lease with Ally Financial. No payment of mine was ever late. I purchased a new vehicle in XXXX XXXX XXXX and the car dealership sent the payoff to Ally. There was a termination fee that I owed which I chose to pay in an extended payment plan that was offered to me by Ally since I didn't have all of that money up front. I made all XXXX agreed upon payments. The account was reported to XXXX and XXXX as " paid in full/as agreed, closed '' but was reported to XXXX as XXXX paid in settlement ''. I have opened disputes with Ally and XXXX after more than XXXX phone calls between both companies. Both disputes were closed but no changes were made despite documentation and proof given. Ally provided a paid in full letter that I gave to XXXX but they didn't update the account to " paid in full '' as requested. They left it as " paid in settlement '' and closed the dispute. My score has dropped XXXX points from this mess.
Product: Debt collection

Midland Credit Management filed a small claim lawsuit against me for an account that was allegedly purchased from XXXX XXXX. On XX/XX/XXXX I received a summons to appear in court for a Pre-trial conference on XX/XX/XXXX via XXXX in which I did. At this hearing, a mediation date was given for XX/XX/XXXX, again via XXXX. I attended this hearing as well and requested that I receive validation of the claims. I never received any of the information in which I requested to receive. I have since learned, ( XX/XX/XXXX ) that a garnishment has been issued. Upon reviewing the information received from my employer, it has been discovered that all ( excluding summons ) court dates were sent to an address in which I had not resided at in almost 20 years. It is with great concern that this was a deceptive practice as summons was served at my correct address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I was hit with a {$300.00} fee from my Homeowners Insurance company, XXXX XXXX XXXX, due to an adverse credit report pulled from LexisNexis risk solutions. I was shocked at the time at the amount of money charged based on my credit score being pretty good, but I did not investigate at that time. I just received my XXXX XXXX XXXX XXXX  renewal for XX/XX/23 and there is a {$500.00} charge for bad credit score based on reporting from LexisNexis. That is now {$800.00} in charges for " bad insurance score '' based on credit report from LexisNexis. By the way, this is happening in addition to other massive increases in Florida homeowner insurance, my rate was just increased XXXX! So this time I investigated what could possibly be hurting my score so bad I'm just charged {$500.00} for being a bad person. 


I requested a report from LexisNexis and received it by mail today or at least it was their system for providing an online secured report. It includes their " National Credit File '' Report and the report is very specific that the information contained within is from XXXX. There are two " bad debt '' accounts listed, one for XXXX  XXXX XXXX and another for XXXX XXXX. Additionally, a XXXX account shows three late payments. However, a report pulled tonight live from XXXX shows no bad debt accounts, no late payments to XXXX. All accounts are on time and no late payments reported on my revolving credit accounts. 


Why a Consumer Financial Protection Bureau report on this? Because this has cost me {$800.00} out-of-pocket so far in adverse reactions to this data. The data is from an old XXXX data pull that contains debts and late payments more than seven-years old. So LexisNexis has created this " National Credit File '' that reports old information from other credit agencies as current. Why is this allowed?! In essence, by pulling data as of a certain date from XXXX and then not updating that information and reporting out on it, LexisNexis has violated my statutes of limitations and FCRA via some " combined report '' that contains data that not even the data source currently contains.