23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/year>, I provided written 60 day notice to my apartment complex of an early termination of my lease on XX/XX/year>. On XX/XX/year>, my apartment complex acknowledge receipt of this notice in writing. I moved out of my apartment and completed all relevant paperwork on XX/XX/year>, and had paid all amounts owed through that date. 

On XX/XX/year>, my apartment complex contacted me about alleged late rent for XX/XX/year>, after my move out. I replied the same day to confirm the move out. No response was received from my apartment complex, and through the rest of these emails my former apartment complex has not responded to any further emails, phone calls, or communications to present. 

I have since been referred to collections over this alleged rent owed. Columbia Debt Recovery LLC, XXXX Genesis is handling the collections. Upon receipt of the first email correspondence, I responded within 30 days to ask for verification of the date and explain the above-referenced facts regarding why the debt was not owed. In response, incorrect documentation was produced and is detailed in the attached documents ( i.e. they attached a lease for XXXX, as opposed to the applicable lease for XXXX ) along with failing to respond to the specific issue of the move out and debt not being owed. 

The debt is now affecting my credit and despite ample time and multiple communications to all parties involved, no response has been received.
Product: Credit reporting or other personal consumer reports

I have XXXX collection accounts that are on my consumer report that have not been investigated to be 100 % complete, accurate, or verified. Also, I have never gave Aldous And Associates direct consent to my private information such as my name, address, etc. I have been abused and decieved due to Aldous And Associates obtaining this private information without my permission. These accounts have hindered my ability to get extensions of credit and impacted my credit worthiness.
Product: Credit reporting or other personal consumer reports

XXXX Subject : Notice of Disputed Debt and Request for Compliance with Consumer Protection Laws I am writing to formally dispute the accuracy and validity of a debt reported by your agency, XXXX, and to notify you of potential violations of consumer protection laws. The details of the accounts in question are as follows : XXXX : Date Opened XXXX, Date of Last Activity XXXX XXXX : Date Opened XXXX, Date of Last Activity XXXX Equifax : Date of Last Activity XXXX The original creditor is listed as XXXX XXXXXXXX XXXX. 

Violations of Consumer Protection Laws : Fair Credit Reporting Act ( FCRA ) Violations : Unverified Accounts : According to the FCRA, credit reporting agencies are required to verify the accuracy of any disputed accounts within 30 days. Despite my previous dispute, XXXX and Equifax have not verified the account. This failure to verify and update the status of the disputed account violates my rights under the FCRA ( 15 U.S.C. 1681i ). 
Fair Debt Collection Practices Act ( FDCPA ) Violations : Validation of Debt : Under the FDCPA ( 15 U.S.C. 1692g ), upon my request, you are required to provide validation of the debt within 30 days. To date, I have not received sufficient validation from XXXX regarding the debt associated with XXXX XXXXXXXX XXXX. 
False or Misleading Representation : The inconsistent reporting dates across different credit bureaus suggest potential inaccuracies and false representation of the debt, which is a violation of the FDCPA ( 15 U.S.C. 1692e ). 
Actions Required : Immediately cease all collection activities until this matter is resolved. 
Provide written verification of the debt, including the name and address of the original creditor, the amount of the debt, and evidence that I am legally obligated to pay. 
Notify XXXX, XXXX, and Equifax to delete the disputed account from my credit reports until proper verification is completed. 
Failure to comply with these demands may result in legal action to enforce my rights under the FCRA and FDCPA. I expect a prompt response to this letter within 30 days, as mandated by law. 

Please be advised that I am documenting all correspondence and retaining all records for my protection. If you have any questions or need additional information, you may contact me in writing at the address provided above. 

Thank you for your immediate attention to this serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern I am starting a new job and I recently had a security check on my background and addresses found out that the are inaccurate addresses that I never lived at on my credit report. My name is XXXX XXXX DOB XXXX, SS XXXX. My current and only address is XXXX XXXX XXXX XXXX # XXXX XXXX, OH XXXX. 
Please delete the following addressses they are not mine never lived there : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following phone numbers : ( 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, credit repair services, or other personal consumer reports

My name is XXXX, XXXX in my late XXXX, and trying to fix this has felt like mission impossible. 

XXXX XXXX XXXX, a debt buyer, and the XXXX XXXX XXXX XXXX have been the most difficult task I have ever encountered. 

XXXX desperate. 

I know the CFPB has inroads so please take this nightmare away from me and to them! 

THIS DISPUTE IS REGARDING ORIGINAL LENDER : XXXX XXXX XXXX  XXXX in the amount of {$2600.00}. 

This trade line just appeared on my credit report. I explained it was probably a credit mix up and asked to have it removed. But my request was completely ignored. 

It was never my loan. I never applied for it and never received it. As a matter of fact, I was told that not a single payment was ever made on that note. 

I got an email offer in XXXX via email to settle the amount for {$260.00}. 

I accepted because I was tired of the calls. Every morning, before I got up they were already calling! 

But it should not be that way. The information on there is supposed to be accurate and they have a legal obligation under the Fair Credit Reporting Act 's XXXX XXXX. 

For XXXX months I have tried to have this debt either validated or deleted and Ive achieved neither. 


I mailed XXXX letters via USPS CERTIFIED AND RETURN RECEIPT to XXXX from XX/XX/XXXX to XX/XX/XXXX. 

XX/XX/XXXX I mailed Experian, XXXX AND XXXX a letter stating my intent to sue. 

I hope that there is resolution between XXXX and I. 

Enclosed is documentation supporting my request : the letters mailed over the last 26 months ( although they did nothing to help ). 

Please investigate this matter and delete the disputed item as soon as possible. 


Sincerely, XXXX XXXX Enclosures : XX/XX/XXXX Validation Letter mailed via USPS CERTIFIED RETURN RECEIPT XX/XX/XXXX INVESTIGATION REQUEST # XXXX XX/XX/XXXX XXXX Validation Request explaining why Letter from XXXX did not satisfy XX/XX/XXXX Investigation Request # XXXX XX/XX/XXXX Letter to XXXX XX/XX/XXXX Letter to XXXX XX/XX/XXXX NOTICE WRITTEN & MAILED VIA USPS WITH EXPLANATION FOR INTENT TO FILE SUIT XX/XX/XXXX XXXX MORE SHOT AT RESOLUTION WITH CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has always done this crooked act, they ask u questions to " verify '' your identity, who's going to know more about u than u? EVERY time I've EVER tried to access their site they always say : Sorry, we were unable to verify your identity because of one of the following reasons : You didn't answer the questions correctly You didn't answer the questions in time We are having technical difficulties This is a scam!! Then u tried via phone, they have a system set up where u can NEVER get a human!! This type of scam company should NOT be allowed access to people 's personal information when they have this type of crooked behavior! I'm sick of this!! I got an alert about my credit, so I went to their site to find out about it, and they do this to me?! 
I see they've been fined before for being crooked con-artist 's! PLEASE PLEASE protect the people of America and put a stop to this crookedness! I just want to see whats going on with my credit and this bill! 
U should try your own login attempt & u will see! I mean, it asked me 3 questions " a company i worked for '' i picked the company i OWNED for 20 years " what my astrological sign is '' OBVIOUS I KNOW THIS " it looks like you opened in XX/XX/2014, with who '' WELL I'VE NEVER HAD A MTG IN MY NAME, I PICKED THE ANSWER THAT SAID " NONE '' There is NO WAY I got any of these wrong!!!! 
THANK YOU!!!!!!
Product: Credit card or prepaid card

On XX/XX/2022, I used XXXX reward points to purchase XXXX gift cards : {$50.00} XXXX, {$50.00} XXXX XXXX and {$250.00} XXXX. Within XXXX weeks, I received both {$50.00} gift cards, but never received the {$250.00} XXXX. My balance after using the reward points was XXXX. After not receiving the {$250.00} XXXX, I did another purchase for XXXX points on XX/XX/XXXX. As of today 's date, I have not received the {$250.00} gift card. I've spoken with several representatives ( including managers ) from Comenity/XXXX  Bank and provided them with copies of the order confirmation for the gift card purchase. I received a letter from Comenity on XX/XX/XXXX stating an investigation was being conducted which would take about 90 days. Why should I have to wait 90 days when I've provided everything needed for Comenity to issue me my purchased {$250.00} gift card. 

Your assistance in helping me to get my {$250.00} gift card will be greatly appreciated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hyundai Motor finance is reporting late payments for this account this is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been misidentified with another individual with a nearly simile name. I was informed that this individual has a nearly similar name, Date Of Birth and SSN his information has been mixed up with mine bringing down my credit score. I went to file a dispute but my Transunion account was locked, I emailed Transunion support and they closed my case without helping me unlock my account.
Product: Credit card or prepaid card

I have spoken with a representative in the Secure Credit Card department regarding my security deposit {$300.00} that I suppose to receive, the representative was extremely rude and when I went over the transaction with her I confirmed with her that my account was not over draft by {$300.00} but only over the credit limit in the amount of {$25.00}. I also advise her the balance of {$25.00} was paid. 

I then call again today XXXX/XXXX/XXXX spoken with another rude representative XXXX ID # : XXXX, she began to talk with me like I was XXXX, when I asked to speak with the legal department she left me on hold and did n't come back to the phone. I also asked her whom can I contact to file a complaint against she then replied who do n't have a legal department, I then ask to speak with her supervisor she turned around and lied to me on the phone and stated she do n't have a supervisor, I requested to speak with her Operations Manager she said she do n't have none of them either. I begin to getting very irate, she act like she didnt want to help anyone by phone. I just want someone from another department that close to the Office of The CEO to handle this matter.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of XXXX data breach. I want these items deleted from my credit report effectively immediately. I am attaching proof that my XXXX has admitted That I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit Report.
Product: Debt collection

On XXXX XXXX Caine and Weiner received a debt verification letter from me to verify the debt they are reporting and they could not provide it. all they sent me is a bill from them saying I owe them XXXX According to the FAIR CREDIT REPORTING ACT Section 609 Disclosures to consumers ( a ) ( 1 ) ( A ), they are required by Federal Law to verify through the physical verification of the ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT of any and all accounts you request to be posted and or reported on a credit report. 
And I hereby demand to see a copy of the validated Proof ... They have til XXXX XXXX to verify the debt or it should be removed from all credit reporting agencies
Product: Credit reporting or other personal consumer reports

This account has been sold to third parties at least three times. I did not give approval to do so. According to FCRA, I can request that my account not be sold or transferred to any third party without my explicit consent. According to FCRA, I have the right to control how my personal information is shared. Selling or transferring my account without my consent constitutes a violation of my rights under this federal law.
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 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 tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving consumers vulnerable to scams. This lack of a accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze/unfreeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Product: Debt collection

The attorneys and their contracted servicer did not ensure that I was served properly. I reached out to XXXX XXXX, XXXX XXXX, XXXX XXXX, & XXXX XXXX via email to discuss this matter. XXXX XXXX was the only one to respond stating, Please be informed, the below-stated attorneys, including myself, do not have any control over the actions of an independent contractor process server. However, I believe they should be held accountable because it is their case and theyre the ones that hired said servicer. The proof of services alleges I was served XXXX home address on XX/XX/19. However, I have not been at my residence since XX/XX/19 due to a medical condition. I am staying with family while I go through treatment. Furthermore, the physical description of me is completely inaccurate I am XXXX years old, XXXX-XXXX, XXXX XXXX. The proof of service process server filed a proof of service on XX/XX/19 stating that service was effected via personal service to # # # # # # # # # #, Who accepted service, with identity confirmed by subject stating their name, an XXXX XXXX  approx. XXXX years of age, XXXX tall, weighing XXXX lbs with XXXX hair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer and by law i feel i am being violated and ignored because my information is constantly being misused and misrepresented and i have many false and inaccurate accounts on my credit report and i am making a formal complaint about the Unauthorized use of my credit report and personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), Transunion must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My account & funds have been locked for XXXX  now after i've recieved or sent a XXXX. They've been telling me they'll investigate this matter but its been over XXXX  months now & they still have over XXXX of my money sitting there. This should not be legal in any way shape or form & i want my money back after being so patient. Please help! XXXX banking has been a nightmare.
Product: Credit card

XX/XX/XXXX my identity was stolen and used to open XXXX different in store credit cards in a different state then where I live. XXXX of which was with Macy 's. When I became aware of the identity theft I took appropriate actions to have all of the accounts reported and closed as fraudulent. Macy 's is the only XXXX of the XXXX that is still an issue. Since XX/XX/XXXX I have filed a police report and supplied statement of fraud to Macy 's. I am still receiving credit card statements from Macy 's and have called them on numerous occasions trying to resolve this. The statement of fraud was sent on XXXX XXXX via fax and I received a letter from Macy 's dated XXXX XXXX that the claim would be resolved within 60 days. Since then I have received XXXX statements and a collections notice on the account. When I call customer service at Macy 's the first operator always tells me to just pay the bill. I did not open the account nor gain anything from the items that were purchased on the account. I do not owe anything to Macy 's. I received another credit card statement last week and called Macy 's today ( XX/XX/XXXX ) to try to resolve the issue again. Again the first operator told me that I had to pay the account. I spoke to the fraud department that had no record of my issues with this fraudulent account. I was directed to the recovery department which told me they could do nothing because the account was open. I closed the account back in XX/XX/XXXX but since then Macy 's reopened it without me knowing or notifying me. The recovery department referred me back to the fraud department. I called the fraud department back where I was made aware that the account was still open. They said that the 'system ' changed sometime and that nothing was showing on my account about the fraud and my submission of the settlement of fraud. I spoke to at least XXXX people today who were constantly pointing fingers at another department. I am still floored that an operator would tell me that I have to pay it AND that Macy 's sent the account to collections before it was even 30 days due. As of now the issue is still not resolved.
Product: Student loan

XX/XX/2017 I made a mistake of taking services from a company called Student Loan Care LLC. They charged me XXXX dollars a month to lower or erase my debt but I found out later that they can't do that. I am stuck paying them and my credit score is not good cause of there account. I need help.
Product: Payday loan, title loan, or personal loan

Key bank is accepting payments but yet reporting me late. Wheres my money going?
Product: Debt collection

I have no idea of this account, it is a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on multiple occasions to Transunion, XXXX, and XXXX. Here is my tracking number. It has been over 30 days and the credit reporting agencies have failed to send my investivation back. This isnt making any Sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX XXXX XXXX Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Checking or savings account

0n XX/XX/2020 I had a Bank Account with JP CHASE MORGAN on Friday which was XX/XX/2020 I received a deposit from the Georgia Department of Labor for my Unemployment including all my back pay from now back til XXXX which was about XXXX and for no apparent reason Chase decided to freeze my bank account and close it and hold my money for no reason at all there havent been any problems with my account since I got it! ... This is the worst bank ever and this morning when I checked my account now its a negative XXXX balance because they decided to close my account and they still allowed me to draw a XXXX a day out the bank I had over XXXX in that account so where is all my money where did they send it back too! .My deposit included a deposit of {$140.00} ..19 times and XXXX 17 times which equals about XXXX they clearly seen the money came from the Georgia Department of Labor addressed to me in my whole name and they still closed my account for no good reason!