23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$6900.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$16000.00} ; XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX Balance Owed : {$750.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} ; 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 XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX. 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed XXXX inquiries that were unauthorized, inaccurate, or made in error. 
The following inquiries are impermissible : 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 I do not know these companies. I have never done any business with these companies. These companies do not have a contract with my signature. 
Please remove these inquiries from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, and Experien keep reporting XXXX on Credit, XXXX XXXX XXXX XXXX and XXXX XXXX as bad marks on my credit files. I dipute all of these in the past and they were removed. They just change the name of the debt collectors and re report it.
Product: Credit reporting or other personal consumer reports

My credit report has not been updated since XXXX. I get this error message when I log in to my report. I called customer service on XX/XX/XXXX, they connected me to the dispute dept because there was no address on file for me but my credit report is showing an incorrect address. I spoke to a rep that stated he was correcting my address and I showed see the update in 24 hours and will be able to see my updated report. Today is now, XX/XX/XXXX and I still do have an updated report with all accurate persons information and credit score and gettin the same error message. I have been putting in dispute with no success myself or going through CFPB. Something need to be done
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 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

This is the several time I've complained about being a victim of identity theft. Experian and XXXX must remove any item that was 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 information relating to any transaction by the consumer. 


XXXX XXXX XXXXXXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : - ; XXXX XX/XX/XXXX
Product: Credit reporting

Equifax states that its mines without showing proof. I told them and wrote several letters to remove it but sometimes they do n't even write back or update my credit
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment du
e date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed items with XXXX, Transunion, and XXXX, all three came back as verified. XXXX XXXX XXXX had a write off bad debt. I have called XXXX XXXX about this and asked for the contract signed by myself till this day 4 months later have not heard from them. Sent all three reporting agencies asking for a Method of Verification. Since they verified these accounts during the dispute they should have all the information in there records. The credit reporting agencies had 15 days to send me the information it has gone well past this. I have never done business with XXXX XXXX XXXX so I know these are not my accounts. But XXXX is the only company that has had found them inaccurate and removed them from my report. So how is XXXX and Transunion still reporting these accounts.They never sent me the information that by law they are suppose to within 15 days. The Method of Verification was received by them XXXX XXXX XXXX by both XXXX and Transunion. These are not my accounts and for them to report these accounts on my report is violating the law. XXXX XXXX can not show a signed contract by me. These Items should be removed immediately if they really investigated the dispute like XXXX has done the would see these are not mine. They should be removed on the fact they have gone over the time constraints by law. I want to see how XXXX and Transunion verified these accounts and they need to be removed.
Product: Debt collection

I have been receiving repeated robocalls from phone scammers, pretending to be with a legitimate debt collection agency ( Portfolio Recovery Associates ). I have a robocall blocking app for my smartphone that blocks the call, and I XXXX the phone numbers that I receive. They all are listed as 'scams ' on XXXX XXXX verified scam and robocall websites XXXX XXXX, XXXX, XXXX XXXX.
Product: Vehicle loan or lease

I had a two year lease on a XXXX  XXXX XXXX XXXX through Ally and XXXX XXXX XXXX. 
My vehicle, aside from a small stone chip on the right bottom front windshield that I immediately had filled after it happened, was in perfect condition. I was warned to make sure that I take as many pictures of my car as possible when grounding it and now I know why. I took pictures of my car in broad daylight from every angle and Ally said they can not accept them because they are blurry They most certainly are anything but blurry. 
I am fully prepared to pay for any overage on mileage but I am certainly not paying for fraudulent charges. I found several posts on XXXX regarding Ally doing the same thing to other people and one specifically referenced an XXXX XXXX lease. 
I attached a copy of the charges which references {$2400.00} but Ally is now charging me {$3100.00} with no explanation. 
When I try to call and speak to someone, I hold for 20-30 minutes and then the person I speak to says they cant help me and when I ask for a supervisor they disconnect my call.
Product: Debt collection

Items have improperly been associated with my ssi during covid, Credit information was exposed during XXXX data breach. Ive currently filed a claim because I was impacted by the breach. Im also seeking help in removing negative debts that are effecting my credit score.

Accounts that has violated my rights 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: Debt collection

Written Notification About Debt The law : Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt. 

This law was not fallowed and they are asking for {$5900.00} when XXXX says the I owe {$5000.00}. Witch is what they reported to XXXX.
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. I routinely check my credit report, but this time, unexpected discrepancies appeared. I even refreshed my browser, thinking it might be a technical glitch, but the inaccuracies remained. Given this issue, I request a thorough review of the documents Ive provided so I wont have to worry about this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXXXXXX
Product: Checking or savings account

I have been experiencing identity theft and have filed a report with the FTC. In XXXX, I received 2 unsolicited debit cards from cash app. I immediately called the company to have then suspend activity on the accounts and close them. I had to XXXX for a phone number since I do not have the cash app or access to these accounts. They were not easy to find a number to call. I spoke with " XXXX '' in customer service who sent me an email with a few questions and a link to send photos of each card so they could cancel the accounts. I never received a response back. I would like to know that they have suspended all activity and are/will close the accounts and that they will erase my information from any site they use to service the accounts.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a collection statement for an XXXX visit, dated XX/XX/XXXX. The first {$50.00} payment was made online on XX/XX/XXXX, and every month after that. Once the first payment was made, I never received an updated statement from the collection agency ; only confirmation that my payment was accepted. Each monthly payment since XXXX of XX/XX/XXXXhas cleared my bank account. When I looked at my credit score this week, I noticed that it had dropped significantly, and that Healthcare Receivable Group had charged off the {$1500.00} that was still due on my bill as of XX/XX/XXXX. The most recent payment was made on XX/XX/XXXX of {$50.00} ( online ) and cleared my bank account as of XX/XX/XXXX. I have yet to receive any notification or correspondence from this company, informing me of the balance, the charge off or of any type of judgement. I believe the balance left on this account is {$1400.00}. I can not look at this account online ; I am only able to make payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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.

XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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 or other personal consumer reports

I am writing to address an issue with the reporting of my XXXX XXXX XXXXXXXX credit card account, which was charged off and subsequently sold to a debt collection agency, XXXX XXXX XXXX XXXX XXXX. 

XXXX and XXXX : Charge-Off and Sale : The account was charged off in XX/XX/year>, with a balance of {$4200.00}. Subsequently, this debt was presumably sold to XXXX XXXX XXXX XXXX XXXX, I did not receive any documentation from both XXXX XXXX XXXX other than a notice in my customer portal and spam emails from XXXX. 
XXXX XXXX XXXX : Despite the sale of this debt, my credit report continues to show the XXXX XXXX XXXX account as charged off each month for XXXX  months without indicating that the debt has been sold. This is reflected in both my XXXX credit report and other credit reports. 

Request for Action : I respectfully request that the following actions be taken to ensure accurate reporting : Update Account Status : XXXX XXXX  XXXX should update the status of my account to indicate that it has been sold to XXXX XXXX XXXX XXXX XXXX. This update should reflect that XXXX XXXX  XXXX is no longer the responsible party for this debt. 
Correct Credit Report Entries : Ensure that all credit bureaus ( XXXX, XXXX, Equifax ) receive the correct information about the sale of the account. This includes removing the repeated " charged off '' status from each month following the sale. 
Confirmation of Update : Please provide written confirmation once these updates have been made to my credit report. 

Ensuring that my credit report accurately reflects the current status of my account is essential for my financial recovery and creditworthiness. I appreciate your prompt attention to this matter and await your confirmation of the requested updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX XXXX ACCOUNT # XXXX have violated my rights. 

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

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XX/XX/2022 -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 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 an account without my written instructions. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 XXXX Balance : {$160.00} XXXX XXXX Balance : {$10000.00} XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year>
Product: Debt collection

I sent a letter to Diversified Consultants asking them to VALIDATE the debt that they claim I owe. I was sent a bill that not VALIDATION. I would like for Diversified Consultants/XXXX  to remove this account off my credit file. Account number XXXX
Product: Debt collection

Central Portfolio Control has contacted me multiple times this year after I had reported them last year for calling me consistently. I have told them last year to no longer contact me because at the time they had a representative became hostile with me. Then this year they called me multiple times from different numbers. Their contact information is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference. 

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history.

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section 605B of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible.
Product: Money transfer, virtual currency, or money service

Coinbase currently and for the past year has offered and solicited a % APY for XXXX balances within their Coinbase wallet. It currently shows I get a 4.35 % rate. I checked, and the last time they sent me an interest payment was in XXXX of XXXX. 

I contacted them and they said they stopped offering interest, but just never removed It from their site. 

Their support admitted they are misleading customers ( see screenshot ). 

They caused me harm because if I would have known I was not going to receive interest on this balance, I would have brought the money else where.
Product: Credit reporting or other personal consumer reports

I previously disputed this account with Experian and XXXX for Account Name : XXXX XXXX XXXX Account Number : XXXX I let them know this account was not reporting accurately. According to the IRS when an account is charged off its considered income, and according to the FCRA income can not be reported on a credit report. I requested a 1099-C ( Cancellation of Debt ) from XXXX XXXX XXXX  in regards to the following charged off account listed below : Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  received a corresponding tax deduction for the uncollected amount associated with this charge-off and I had to file the balance of {$680.00} as income on my taxes! This account can no longer be reported to my credit report. Not only does this violate my rights per the FCRA, this is also tax fraud on XXXX XXXX XXXX XXXX part. Delete this account from my credit report immediately for inaccuracy!
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against navy federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I call the company and XXXX 50 time to advise the account is showing late on my credit report for the company XXXX XXXX. I did do any business with this company. 2 CommenityCB? XXXX this account was open XX/XX/ I never did business with this company for the past 8 year I AM CALLING XXXX AND LKET THEM KNOW THIS ACCOIUNT WAS AN IDENTIFY THIEF UNDER MY NAME