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

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX  # XXXX XX/XX/XXXX -- {$28000.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX -- {$1900.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Affective date is XX/XX/2023. Its a rental company in XXXX called XXXX XXXX XXXX XXXX and theyre trying to collect {$4400.00} for rent in XXXX  XXXX I never lived in XXXX  always live in XXXX  and the company said, the person name XXXX XXXX is using my name and information. The collection agency is fair collections, and outsourcing XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX their phone number XXXX reference number XXXX
Product: Credit reporting

I am filing this complaint because Equifax , has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verfiy these account under section 611 ( 5 ) ( A ) of the FCRA -they are required to promptly delete all information which can not be verified that i have disputed. Please resolve this manner as soon as possible. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XX/XX/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
Product: Credit reporting or other personal consumer reports

XXXX / Dept of Ed Account Number- To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Money transfer, virtual currency, or money service

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

I acquired a copy of my credit report from all three credit bureaus in XX/XX/XXXX. I discovered an account called Capital One Auto Finance that was opened in XX/XX/XXXX. This account seems to be for an auto loan and has a balance of almost {$5000.00} USD. I contacted all three of the credit bureaus and reported this as Fraud.  They conducted an investigation and disputed the information with the creditor. The results of the investigation came back and the creditor replied that the account is verified and belongs to me. I spoke to the credit bureaus again and they told me that if this account is really not your account, then I should start another investigation and this time the subject of the investigation will be Identity Theft. They also told me that if I submit a personal statement and obtain a police report. Then that can be included in the investigation as documents supporting your case for Fraud and Identity Theft. Once again the results came back with the same results and response from the creditor. I proceeded to resubmit a dispute to the credit bureau XXXX  almost every single month. I also contacted the creditor multiple times and the last time I contacted them I was so frustrated and just wanted this inaccurate information off of my account I told the representative that I would just pay whatever money is owed so that they can be satisfied and remove this account from my credit report. I was told they can not do that and if I did that. The account balance would be reported as {$0.00} dollars but the account would still remain on my report until it falls off. In the meanwhile as I was dealing with this, I did receive a correspondence from the creditor with some kind of fraud questionnaire and affidavit. I filled out this information and sent it to them. 3 months have passed by and I didn't receive a single response. I find this company very unprofessional, it seems like they are just playing games and trying to give me the runaround. With the many investigations that I submitted against this creditor they have yet to send any proof that this account belongs to me. If they fail to do so then they are not legally fulfilling their obligation as a creditor in this situation. For more the account should be removed from my credit report immediately. This is causing me personal loss because this account is showing future creditors that I am irresponsible and present myself as potential credit risk for any and all future credit decisions.
Product: Payday loan, title loan, or personal loan

On XX/XX/ I applied thinking this was a loan company. I was approved for a loan as it clearly stated that. I signed the loan agreement and it said the payments were {$10.00} a month for two years. The problem is that I didn't receive any money. They expect me to pay the {$10.00} a month for nothing as I contacted them and was told that I do not receive any money or cash. Why would I agree to pay {$10.00} a month for nothing at all. I googled loans and there name came up. It also says that if your unhappy with your purchase you can request a refund within 30 days and I did that by email to not receive any correspondence back from them imagine that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Debt collection

I have no idea what this collection is for. I disputed it and it was accepted by one credit bureau and determined accurate by another. I have absolutely no idea what this could be for. I have not purchased cable tv or internet services in about two years. They have never sent me any bill explaining these charges, and they are NOT providing, nor did they ever, a service to my current address. 

Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX account. {$310.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$310.00} XXXX updated XX/XX/XXXX
Product: Debt collection

I requested for the following information more than four weeks ago without a response from the Trustee with respect to the documents associated with the sale of my house. At this point, Im highly suspicious of their activities and as a US Citizen requesting from CFPB Economics Crime Unit for further investigation. 

XX/XX/2018 @ XXXX Auctioned sale of the property @ XXXX 3-day notice served XX/XX/2018 ( 6 days after the sale ) I requested to know ( via phone call and certified email ) the following transaction information on my property which was sold without my consent or conveyance : - Exact Date and time of sale - Final bid and sale amount performed by third party auctioneer ( Name of the Auctioneer to be provided ) - Full name of the bidder/buyer - Detail of the sale dollar transaction as it has been reported to US Department of Housing and Urban Development - ** Copy of the Sales receipt and transfer of funds by the buyer ( This is a mandatory item ) ** - Any other relevant information that needs to be disclosed ( Full disclosure requested ) XX/XX/2018 It has been more than four weeks and they have had plenty of time to provide this information, however when requested again on XX/XX/2018, there has been no response of any kind from the Trustee. Ive never given authorization to the so-called Trustee ( XXXX XXXX ) to convey the title. 

It is very likely that the so-called " investor '' in this case, XXXX XXXX XXXX ( XXXX XXXX ) is a co-conspirator to complete their fraudulent activities in order to close the transaction loop. 

I've been removed from my property, and as of today, I can not get the truth out of XXXX XXXX and XXXX XXXX XXXX. Most importantly the sales receipt and the transfer of {$950000.00} is of great concern that must be disclosed and reported to HUD through a settlement statement.
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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 XXXX XXXX XXXXXXXX - XXXX. 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 
The FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax 6 times in the last month and have sent them letters and disputed online. They fail to update XXXX XXXX union file - a repossession that has gone beyond the 7 year rule. THe other 2 Main Credit Bureaus have taken this off their file already. My last contact was XX/XX/2019 - I spoke with a Dispute Supervisor. She said that they do not have a record of my payments missed so she cant confirm the last reported delinquency date. Also I have a XXXX - XXXX bill that has been settled in full and Equifax refuses to update this information. What is the purpose of them keeping negative information on my file? Do they get paid more money? Can they send my file to companies who profit from loss? I do not understand. Both XXXX  and XXXX  have had no problem updating their file.
Product: Vehicle loan or lease

Santander USA repossessed my car after I told them that it was inspected by FEMA for possible damages reimbursement from hurricane Harvey. They then proceeded to place XXXX in collections on my credit report and continuously lied to credit bureau dispute investigators. They finally removed it from my XXXX  and XXXX however it's still on my XXXX   report. This company repossessed my car after me telling them that I was engaged in a racial descrimination lawsuit against a previous employer.
Product: Consumer Loan

Delinquency reporting error. 
I want all the Credit Bureau to update my payment paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

They keep reporting to the credit bureau but I do not owe that amount that is shown its over XXXX, my names are also incorrect on my credit report. Multiple closed accounts that need to be removed off of my credit report
Product: Debt collection

I received a letter from Allied International Credit Corp ( AIC ) today ( XX/XX/2020 ) the letter is dated from XX/XX/XXXX and I do check my mail daily. They claim they are representing XXXX for a debt owed in the amount of {$300.00}. They claimed that their client has reached out numerous times without success, untrue of course. They provide no dates or relevant account numbers that I may use for a reference. I do not own an XXXX XXXX credit card and I have no debts to either XXXX XXXX   or XXXX nor have I ever. Today ( XX/XX/2020 ) I called XXXX and XXXX credit cards to see if there has been any fraudulent activity in any way and my account was perfect. This is like an extortion attempt. I don't want my credit to be damaged by a bogus debt claim. I am reluctant to provide this person or company with any personal information as their claim is completely fabricated. I don't know how to defend myself other than filing this complaint and submitting the snail mail they sent me. I have seen a pattern of this practice by this company when online searching their company name combined with XXXX and reviewing complaints on the XXXX. Help is greatly appreciated.
Product: Payday loan, title loan, personal loan, or advance loan

Lendly is charging me over XXXX XXXX interest on a {$1000.00} loan. This is illegal
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a complaint against Experian, XXXX and XXXX for furnishing transactions on my credit report that is excluded by law as per the FCRA 15 USC 1681a 2Ai. ( The following account reporting ) : -XX/XX/XXXX XXXX XX/XX/XXXX Account number XXXX Date opened XX/XX/XXXX -XX/XX/XXXXAccount number XXXX Date opened XX/XX/XXXX XXXX XXXX XX/XX/XXXX Account number XXXX Date opened XX/XX/XXXX - XXXXXX/XX/XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXX -XX/XX/XXXXXX/XX/XXXX Account number XXXX Date opened XX/XX/XXXX -XX/XX/XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XX/XX/XXXX XXXX Account number XXXX Date opened XX/XX/XXXX -XX/XX/XXXXXX/XX/XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Account numberXX/XX/XXXX Date Opened XX/XX/XXXX -XX/XX/XXXXAccount number XXXX Date opened XX/XX/XXXX They are reporting these transaction as Late, ( 2 ) Exclusions.

Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My Transactions or experiences with those company by law are excluded from my consumer I need this transaction or experience deleted from my consumer report. The only way a corporation can possibly report a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I am concerned that these negative reporting are impacting my ability to obtain credit, rent an apartment and find employment
Product: Money transfer, virtual currency, or money service

Writing my concern regarding zelles handling of disputes, in light of recent CFPB lawsuit.
Product: Credit reporting

On XXXX XXXX, 2015 I discovered that a company named XXXX XXXX XXXX ( XXXX ) of XXXX, FL placed a collection account on my credit report without any prior notice, written or otherwise. That day I wrote them a letter and sent it Certified Mail via the USPS disputing the account and demanding validation of the debt as prescribed by Federal Law. The company ignored my request and continued to update it as bad debt on all XXXX credit bureaus. In XXXX of 2015 I hired an Attorney to dispute the account and get validation of the debt for me. In XXXX of 2015 it was removed from all XXXX of my credit reports and I assumed that the issue had been resolved. On XXXX/XXXX/2015 I received an alert from my credit monitoring company that XXXX had placed the account back on my XXXX Report, on XXXX/XXXX/2015 an alert that they had put the account back on my Equifax and then on XXXX/XXXX/2015 an alert that they had added it my XXXX XXXX report. They also violated the law by changing the " Open '' Date in order to make this debt appear " newer. ''
Product: Debt collection

PENN CREDIT CORPORATION IS IN VIOLATION OF MY CONSUMER RIGHTS AND WILL BE SUBJECTED TO FURTHER LEGAL ACTION IF THIS ERROR IS NOT REMOVED FROMMY CREDIT REPORT IMMEDIATELY. PENN CREDIT CORPORATION IS IN VIOLATION OF : -15 US Code CHP. 41 1601 - THE TRUTH AND LENDING ACT -18 USC 1028 A AGGRAVATED IDENTITY THEFT - 18 USC 1028 A -15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE -15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT -15 US Code 1681e ( b ) - COMPLIANCE PROCEDURES ; MAXIMUM ACCURACY - 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION -15 US Code 1692 G - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION -15 US Code 1692 C - VIOLATION OF REPORTING A COLLECTION -15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE -15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS -15 U.S. Code 1681 b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE OF CONSUMER REPORT - 42 U.S. Code 408 - ILLEGAL TO ASK OR USE/ FOR SOCIAL SECURITY NUMBER -15 U.S. Code 1681 Section 602 ( A ) - RIGHT TO PRIVACY -15 U.S. Code 1681 Section 602 A Section 2 -15 U.S. Code 1602 - Rules and constructions -15 U.S. Code 1681 s -2 - Responsibilities of furnishers of information to consumer reporting agencies VIOLATION OF ORDER TO CEASE AND DESIST
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please promptly remove this data within XXXX business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely compliance!
Product: Debt collection

Found a collection on my credit reports in the amount of {$8200.00} from portfolio recovery. Synchrony Bank was the original debt. I never had such account. I disputed several times but it keeps coming back verified but no information is provided to me to prove verified. It's not my debt and I ask them to provide photo id, signature and address that was used to open such account but they have not provided that. The only thing they gave was name original debt and when it was opened
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I hope this message finds you well. I'm writing to express my concerns regarding the reporting of my charged-off XXXX XXXX credit card account on my credit report. 

This account has been officially charged off, however, it continues to be reported as a 'charge-off ' on my credit report for an extended period of time. This repetition implies that a new negative event is occurring each month, which is not accurate. 

Under the Fair Credit Reporting Act, a charged-off account should be reported as such once, not on a continuing monthly basis. The continuous reporting of the charge-off is negatively impacting my credit score in an undue manner. 

This incorrect reporting has significant consequences on my financial standing and potential for future credit opportunities. I kindly request your assistance in rectifying this issue to ensure that my credit report accurately reflects my financial history. 

Thank you for your immediate attention to this matter. 

Best regards, XXXX XXXX