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

I am writing to formally dispute the validity of the debt you are claiming I owe. I have never entered into a contract with your company or the original creditor.

I believe this reporting may be in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the collection agency has failed to : Provide validation information : As required by 12 CFR 1006.34 ( b ) ( 5 ), the collection agency has not provided the necessary information to validate the debt, including the amount, the original creditor, and the date the debt was incurred.

Allow me to dispute the account : In accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been given the opportunity to dispute the debt within the required timeframe.

Refrain from furnishing false or misleading information : The collection agency 's actions in reporting this account without proper validation and disclosure constitute false, misleading, and deceptive practices.

Comply with disclosure requirements : Under 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), the collection agency is prohibited from furnishing any account to a consumer reporting agency without providing all required disclosures.
Product: Money transfer, virtual currency, or money service

I opened a Pay Pal account to process a credit card payment from an embroidery sport coat project for a customer. Pay Pal will not allow me to transfer the money collected from the payment from my customer into my personal to pay my vendor and my personal credit card. 
They asked me to provide an explanation for the type of business that I have which I did. Then they asked for a copy of my drivers license, Business Tax Certificate from the state and a copy of a utility bill with my name on it, which I provided.

I have been trying to egt this resolved for two weeks.

I was told the my account is on restriction. and that I will not be able to resolve this issue for 180 days.
Product: Checking or savings account

Subject : Urgent : Unauthorized Transaction of {$4900.00} on XX/XX/2024, XX/XX/2024 XXXX XXXX XXXX. 

Dear RobinHood Customer Support, I hope this message finds you well. I am writing to formally report an unauthorized transaction of {$4900.00} from my XXXX XXXX bank account that occurred on XX/XX/2024. This transaction was not made by me, as my phone was stolen on the same day, making it impossible for me to have authorized or conducted this transaction. 

I immediately contacted RobinHood Customer Service upon discovering the fraudulent unauthorized transaction and reported the theft of my phone. Despite this, I have not received a resolution, and the amount has not been refunded to my account. 

Given the circumstances, I request that RobinHood promptly investigates this matter and processes a refund for the unauthorized transaction. Additionally, I would appreciate any updates on the status of the investigation and the steps being taken to secure my account from further fraudulent activity. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution. 

Best regards,
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/2023 XXXX Date of Inquiry XX/XX/2023 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, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute a late payment entry that appears on my credit report. According to my credit report, there is a late payment entry from XXXX XXXX  XXXX on my XXXX XXXX XXXX XXXX XXXX XXXX account, which has a credit account number of XXXX. 

I am concerned about the impact this late payment may have on my credit score and my ability to obtain credit in the future. I have always made timely payments on my credit accounts and believe that this entry is in error. 

I request that you investigate this matter and provide me with the results of your investigation. If the late payment was indeed made in error, I ask that you correct the entry on my credit report and provide me with written confirmation of the correction. 

Thank you for your attention to this matter. Please let me know if you require any further information from me. 

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

Names Incorrect : XXXX, XXXX, XXXX NAME CORRECT : XXXX XXXX XXXX Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX XXXX XXXXXXXX XXXX Account XXXX Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX CARD SERVICES Account XXXX Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
Self/lead Account number : XXXX Please update the status of this account to " paid on time '' Unauthorized inquiry XXXX XXXX  XXXX Date XXXX XXXX XXXX!! 

Unauthorized inquiry XXXX XXXX XXXX XXXX XXXX Delete!! 

Unauthorized inquiry XXXX credit bureau Date of XXXX Delete!! 

Unauthorized inquiry XXXX auto finance Date of XXXX Delete!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get Equifax to correct my date of birth. They have it as XX/XX/XXXX, and it is XX/XX/XXXX. I have talked to 3 agents, 2 supervisors, and 1 manager. They all say to FAX my documents, but all the FAX machines never answer, or say Busy.

I'm in the middle of a sizable remortgage and running out of time to complete the transaction. Due to their error the lender will not complete the loan. This is going to cost me a great deal of money.
Product: Debt collection

They have been harassing me for months on this credit card debt they call me with numerous different numbers they call me late night sometimes XXXX or later they call me more than 5 times a day i stress so much on a daily because they call so much. There was one day where i counted how many times they called me it was 10 times.. In one day its getting so bad that i feel like i need to check myself in mental health my brain gets so.tight i cant chamge my number because.my children school. Family ect.. Have this number
Product: Credit reporting or other personal consumer reports

Re : You Violated the United States Code Law 15 U.S.C 1681 ( c ) ( 1 ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by the consumer.

To Whom It May Concern, After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and I'm entitled to monetary compensation under FCRA 15 U.S code 1681s-2 15 U.S.C 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction that is not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer under subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if- ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) The transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 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 the consumer. Under FCRA 15 U.S Code 16811n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquiries furthermore if you feel like did please send me copies of my written signature giving consent to this matter. 

The items below should all be removed from my consumer report under 15 US Code ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXXXXXX 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

I tried to get a credit freeze with Experian on XX/XX/2017. After filling out the online application ( including entering payment information ), I got the following message : " We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. Sending us your information To request a security freeze, send all of the requested information via certified ... .. '' ( I am attaching a PDF of this screen to this complaint. ) I never followed up with that paperwork. 

Today, I authorized a lender to do a hard pull on my credit file, and I got a message back that they ( 1 ) use Experian and ( 2 ) my Experian account was frozen. I tried to unfreeze my account via the Experian portal and got a similar message that my request could only be processed by mail. 

More importably, I never successfully froze my account ( to my knowledge ), nor did I get a pin or any notification. 

I would like my credit report unfrozen with Experian because they were never authorized to freeze it in the first place.
Product: Debt collection

Estate of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Without the United States NOTICE OF RECSISSION To : BEST BUY CBNA, Custodial Trustee XXXX XXXX XXXX XXXX. 
XXXX MN XXXX RE : XXXX XXXX BEST BUY CBNA Contract Number : XXXX To all these Presents come, Greetings : In accordance with provisions set forth at XXXX XXXX XXXX XXXX, the negotiation identified as Contract/Account : XXXX is hereby rescinded for cause on the following grounds : 1.consent was obtained through mistake, fraud, undue influence, duress, and economic menace by any such custodian ; 2. the consideration for the obligation given fails, and ; 3. the contract is prejudicial to public law and public policy.

This rescission is effective as to all aspects of the negotiation, including all documents signed in connection therewith, and automatically and immediately places the parties in their pre- contractual position, before the negotiation was entered into.

Now Therefore, BEST BUY CBNA you have twenty ( 20 ) days to return all assets credited to said account to the undersigned ( or the value thereof as the case may be ) at the postal location first above-listed, and to take all actions necessary to reflect the termination of any security interest created under the negotiation. Provide to the undersigned an itemization of all disbursements, charges, the current principal balance, and all payments received to the account, so that we may determine the exact amount needed for tender. 

XXXX XXXX of XXXX XXXX XXXX XXXX to the undersigned By : XXXX : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter pertains to communication that XXXX XXXX XXXX XXXX, XXXX, XXXX and Equifax reporting agencies refuse to update, correct or delete. I am a victim of the many different data breaches that include the names above. I've tried several times to correct this information however these companies will remove and update my information for a short period of time before applying it back. I have written, called and emailed to dispute inaccurate and outdated information that has been reported to my credit report. 

I have reviewed my credit report and confirmed that this information is incorrect and is negatively affecting my credit score. I've requested that the agency immediately remove this inaccurate information from my credit report. 

Furthermore, I would like to requested that the agency conduct an investigation into how this inaccurate information was reported to my credit report in the first place. I have taken the necessary steps to ensure that all of my accounts are up to date and paid on time, and I am confident that this inaccurate information was reported in error. 

Please provide me with written confirmation of the investigation 's results and any corrections that are made to my credit report as a result of the dispute.
Product: Debt collection

On XX/XX/2021 a validation of debt letter was sent to First Federal Credit Control XXXX. I asked to send any and all information they had that would prove i owed a debt with them. Which would show the date each debt was established, a breakdown of all fees and some type of agreement between us saying that i owe each debt and i agreed to pay. They sent out a few pages with a company name of hospital but no real validation. They failed to show any documentation with a breakdown of the alleged debt that is owed. What i mean by breakdown can be example : Physical on inserted date amount owed {$50.00}. I do not Validate their " proof '' of validation and since i am the consumer i am the only one who can say if the debt is valid I'm saying this debt is NOT valid. In the amount of {$300.00}, {$110.00}, {$210.00}, {$99.00}, {$77.00}, {$100.00}, {$100.00}, {$160.00}, {$160.00}, {$110.00}, {$200.00}, {$140.00}, {$69.00}, {$96.00}, {$72.00}, and {$210.00}. I am unable to upload documentation but upon request i can email or fax my letter of validation and their response of proof.
Product: Credit reporting

Please remove this credit info from my credit report. It is not mine ... 
I was alerted today that I have a credit card from XXXX XXXX, with a {$1000.00} credit limit, which was opened XXXX/XXXX/XXXX ... with no derogatory information - never late and completely paid off ... but is now an inactive account. 
I have no idea who this card belongs to, but it is not mine. My credit score dropped XXXX points today ( within one week ) and I have no idea why or if this is the reason - FRAUD!!!! 
In addition, you report that my oldest account is only 1 year and 4 months old. This is absolutely inaccurate, too. Please contact XXXX and they will tell you that I opened an account with them on XXXX XXXX, XXXX. This is almost 2 1/2 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

Action of dispute XXXX XXXX with Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening. someone has used my identity to try and open some account that i am not aware of. 
TRANSUNION 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 XXXXXX/XX/XXXX `
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) is reporting false information on my credit report. I filed a XXXX  XXXX bankruptcy in XXXX of XXXX  and the vehicle was included in that. The vehicle was returned to the XXXX  XXXX XXXX after my discharge which was granted XX/XX/2023. 

The vehicle was removed off my Transunion credit report after vehicle was returned and a month later on or around XX/XX/XXXX they reported the vehicle back to my Transunion Credit report as being 30 days late, which also made my credit score drop over XXXX. 

I have filed a dispute with Transunion 3 times now and submitted my bankruptcy paperwork and they come back with the same results as account verified and accurate which is not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity fraud. 
Below is the account I disputed. 

Because this account is not mine I would like it deleted off my report. Fcra violation. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My original credit limit was {$16000.00} and Citibank decreased my credit limit to {$15000.00} which will make my usage percentage high. I explained to Citibank representative and supervisor that I used the credit card to take care of business expenses. This was very inconsiderate for Citibank to decrease my credit limit and making my credit usage higher. The current state of the economy has brought my financial hardships and stress but I have always paid my account on time or no later than 10 days past the due date. This is horrible customer service and this will place a hardship on my credit score. Will someone please address this issue?
Product: Debt collection

In accordance false or misleading representation Stellantis has deceptive or misleading representation or means in connection with the collection of any debt own. Without limiting the general application of the foregoing. the following conduct is a volation of this section. ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any state, including the use of any badge, uniform, or facesimile thereof. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt : or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for collection of a debt. therefor im asking XXXX to stop any Repossession do to due section code XXXX. XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX 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 situation 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, credit repair services, or other personal consumer reports

Transunion is reporting a derogatory " late payment '' from XXXX XXXX, but the account is charged off and closed. This account must be deleted immediately for FCRA violation.
Product: Debt collection

Debt is over a disputed amount of only {$260.00} with XXXX XXXX when I severed a 20 year relationship with them for overcharging me, and for very poor customer service. They sent the debt to MRS Associates for collection, and MRS reached out to me via email on XX/XX/XXXX with a reduced offer amount of {$180.00} if paid by XX/XX/XXXX. I fully paid the reduced offer amount within the allotted time, as the payment CLEARED my bank on XXXX XXXX. 

After that, MRS was still harassing me and my family members to collect the settled debt. Hence I visited their website on XX/XX/XXXX at XXXX XXXX  and disputed the debt and provide them all of the information to support my claim. I gave them 15 days to reply to my dispute and they never acknowledged the dispute or contacted me, other than continued harassment. 

Attached are copies of supporting documentation, including a screenshot of my bank account showing the debt was paid.
Product: Credit reporting or other personal consumer reports

1 ) In XX/XX/XXXX I visited XXXX XXXX on a business trip. During that trip my identity and credit card information appears to have been used without my knowledge or participation. 
2 ) XXXX XXXX and XXXX XXXX XXXX were informed that my credit cards had been used without my authorization. Prior to this incident, there had been no prior instances of delinquency or fraud on any of my accounts. 
3 ) XXXX XXXX account number : XXXX XXXX ) XXXX XXXX XXXX account number : XXXX XXXX ) XXXX XXXX XXXX account number : XXXX XXXX ) I made several complaints about the fraudulent charges on my accounts and in my name, filed grievances, sought verification for the source of these charges, and asked the company and credit bureau to validate this debt. 
7 ) Currently, more than six years have passed since this incident occurred and my credit score and consumer report reflect a debt that is blatantly fraudulent, and nothing is being done to resolve the issue.

8 ) Under 26 USC 165, and 26 USC 6050P and IRS regulations 1.6050P-1 these actors admit that they took a deduction for Loss Income while having never issued a 1099 ( c ), which is legally mandated.

9 ) These entries on my credit report have a direct correlation to several lost employment opportunities, denials of funding for business projects past and currently active, and reputational harm that can not be easily calculated into a dollar amount.

10 ) I have sent numerous certified mail letters and neither XXXX, Equifax, or XXXX have conducted a validation of debt despite my asking several times, and having documentary proof that I am not involved responsible for the debt. 
11 ) The debt is scheduled to be removed in XX/XX/XXXX, however, I am unable to have a security clearance issued, which affects job prospects and income, as a result of their inaction. 
12 ) The Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), makes it illegal to report inaccurate consumer information, and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) requires that inaccurate information be removed immediately upon notice following an investigation. As this is an issue of identity theft, which began with international travel and personally identifiable information being compromised, under Section 605B ( 15 U.S.C. 1681c-2 ), this Information must be blocked within 4 business days and the credit reporting agency must cease reporting the information.

My personal life, and professional aspirations, are being curtailed due to a lack of compliance by the parties named above. This avenue is my only realistic means of having the appropriate agency intervene to end this flagrant violation of Federal and States laws for protection of consumer reporting.
Product: Credit reporting or other personal consumer reports

Identity theft request of a inquiry to be removed. 
Investigations completed. all four of the Equifax results show inquiry should be removed. 

XX/XX/2022 XXXX XXXX
Product: Bank account or service

I signed up for a Citigold checking account with was supposed to give me XXXX XXXX XXXX points when the terms of the account opening were completed. I completed those terms, and now Citi is saying they will not honor my completion. I have contacted them multiple times regarding this promotion and they are refusing to honor it.
Product: Credit reporting, credit repair services, or other personal consumer reports

IMPORTANT TRUTH IN LENDING BILLING ERROR ; COLLECTION DISPUTE ; ADMINISTRATIVE NOTICE OF LIBEL ; NOTICE TO CEASE ACTIVITY ; 15 U.S. CODE 16921692P