23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX : XX/XX/XXXX XXXX : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX UT XXXX Summit Account Ressoultion XXXX XXXX XXXX XXXX, MN XXXX Subject : Dispute Regarding Inaccurate Collection Accounts on My Credit Report Dear Sir/Madam, I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. 
As per my rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, I am disputing the following collection accounts : XXXX. XXXX Account XXXX, XXXX, Account XXXX : XXXX, Amount : {$180.00} XXXX. XXXX And XXXX, XXXX : {$120.00} XXXX. Summit Account Resolution, Amount : {$320.00} I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine.

I request that you investigate these matters promptly and remove or correct the disputed information from my credit report if the creditors can not verify or validate the debt. The FCRA requires you to complete this investigation within 30 days of receipt of this letter ( 15 U.S.C. 1681i ).

Please note that accurate reporting is crucial for fair credit practices, and it is my right as a consumer to insist upon this. If these inaccuracies are not corrected, it could have severe implications on my credit worthiness, which is a violation of my consumer rights under the FCRA, for which I may be eligible to seek statutory damages. 
I have enclosed a copy of the credit report containing the disputed accounts. I look forward to your prompt action to resolve this matter. 
Thank you for your time and understanding. 

Yours faithfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  XXXX, Account name : 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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. Under the Fair Credit Reporting Act, hard inquiries require consumer authorization, and since I did not consent or provide authorization to report it, these inquiries should be removed immediately. I request that you investigate and delete these inquiries from my report. Please provide written confirmation of the removal as soon as possible.
Product: Credit reporting or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX ( Original Creditor : XXXX XXXX CREDIT CARD ) XXXX. Please delete this account ASAP.
Product: Credit reporting or other personal consumer reports

I have sent several letters to your XXXX XXXX ( XXXX - XXXX XXXX ) ACCOUNT XXXX and EXPERIAN company dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to request that these items be removed if not validated by the furnisher. Nothing has been done by the furnisher or credit bureaus neither have I received any correspondence from them. 

I also requested that these inquires are removed as according to the FCRA LAW, I did not give these companies permission to pull my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have spoke to Equifax as recently as today XX/XX/25 regarding my credit score. My credit score has dropped XXXX pts in last few months for no reason ( dropped over XXXX pts in XXXX years ). 

Just to give you my background. I have over 30 years of credit experience ( mortgages and other loans and credit cards ). Never once has I have I ever missed a payment, missed paying a loan off, filed bankruptcy, or any other negative situation. 

The representative told me I do not have enough history and is part what my score is determined by. So I asked to I need to have more credit cards and mortgages to increase my score. She indicated that is may help. 

Please make it make sense. I have never been late on payments or any other negative activity, but I am being punished because I pay my bills on time and keep my balances and accounts to a minimum. 

Credit ratings should be based on payment and account history, not how many accounts I have open. There is no logic to this! 

I am not a XXXX XXXX XXXX XXXX, I am a XXXX XXXX XXXX XXXX  with excellent history!
Product: Mortgage

My loan was transferred from XXXX XXXX to Fifth Third Bank in XX/XX/XXXX. I received a bill from Fifth Third Bank dated XXXX XXXX stating a payment was due on XXXX XX/XX/XXXX. I mad the XXXX XXXX payment with XXXX on XXXX XXXX unaware that my loan was being transferred. Fifth Third bank got an earlier computer transfer of data from XXXX that did not reflect the XXXX XX/XX/XXXX payment posted on XXXX XXXX. When I received my 1st bill from Fifth Third Bank reflecting the payment due on XXXX XX/XX/XXXX I called them ( XXXX XXXX ) and was assured that this would be corrected. On XXXX XX/XX/XXXX I again called Fifth Third Bank and no correction had been posted. The payment date, escrow, insurance, interest were all still incorrect. They said I had a problem and would be charged a late fee and a ding on my credit and it was not their problem to solve. I again called XXXX XX/XX/XXXX on XXXX XX/XX/XXXX and they indicated they had the correct data and that they would resend. Problem still pending as this was generally what I heard on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX, Experian, and XXXX   but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

XXXX  is reporting a monthly payment of {$360.00}, experian is reporting {$0.00}, and XXXX is reporting {$360.00}. XXXX is reporting the date opened as XX/XX/XXXX, Experian is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. XXXX is reporting the last reported date as XX/XX/XXXX, experian is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. XXXX  is reporting date last active as XX/XX/XXXX, experian is reporting XX/XX/XXXX, and XXXX  is reporting XX/XX/XXXX. XXXX is reporting date of last payment XX/XX/XXXX, experian is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. all 3bureau 's are reporting the number of months ( terms ) to be 73 months when it is 72 months this totally violating my rights and i need this reporting removed from my reports immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( Bank ) with their collection agency ( " XXXX XXXX ) are entering false records on our credit reports with no accountability. 

XXXX XXXX XXXX  gives credit to people without checking their identities ( no XXXX  ) and in violation of both FCRA and Banking Regulations by granting credit ( using the personally identifiable information other than their customers ). XXXX XXXX XXXX  fails to do their XXXX  ( verify the identities of credit applicants ), no XXXX  and EDD on their customers before and after they issue credit cards. 

Beware of doing business with XXXX XXXX XXXX  and XXXX XXXX  who violate FCRA rights and Banking Regulations. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Phone : XXXX Fax : XXXX Websites : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX Fax : XXXX Email : XXXX Website : XXXX XXXX XXXX
Product: Credit card or prepaid card

Hi my name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached denial from KEY Bank and response from their bank office. I have been reading the law lately and According to 15 U.S.Code 1692d1692d Debt collector may not engage in any conduct ( no restriction ) which will harass, oppress or abuse any person in connection with the collection of a debt. Oppressing a right would be conduct not allowed from 1692d. Credit is the right granted and protected by federal law. If any debt collection caused a denial of credit this allows for damages. 

Notice, it is a fact, affiant is aware, credit is a right granted to me as a creditor under the Truth in Lending Act and KEY CORP does not have right to oppress or abuse any part of my character which would restrict or prohibit my right to extend credit. KEY CORP has oppressed my right to extend credit which is a violation of 15 U.S.Code1692d, see Exhibit A, and B. I will also be submitting my findings to the attorney general for further investigation. I would really like for us to come to an agreement and understanding.
Product: Mortgage

Doven Muehle who is the servicer for XXXX XXXX XXXX XXXX has calculated our payment based on an error that their company made in computing our yearly escrow. XXXX XXXX along with us on the phone tried to get the issue resolved but the servicer would not run another analysis because they said that they donot see a problem. The supervisor that we talked with at Doven Muehle told us that the amount that was placed in reserve for the year is {$900.00} and usually it has been approximately {$460.00} each year. This year we did change insurance companies and saved over {$800.00} dollars by doing so. So we are dont understand why our payment has increased. Our taxes and insurance as gone down each year. We feel that this servicer is operating fraudulently with these mortgage loans because we were told that other XXXX members are having similar issues.
Product: Credit card

I signed up or a XXXX XXXX XXXX credit card from Chase Bank. Part of the offer was a {$300.00} credit against XXXX purchases made in the first XXXX  months. I made XXXX purchses for {$81.00} on XX/XX/2024 and {$130.00} on XX/XX/2024. I received a credit for {$81.00}, but not for the {$130.00}. I called on XX/XX/2024 to inquire why I was not receiving the credit for the {$130.00} charge and was told by the supervisor, XXXX, that they were told to interpret the terms of the {$300.00} bonus as a one-time credit ONLY for the first purchase. He said he would escalate this and also send the terms on the bonus to me. The incident number was XXXX XXXX Someone was supposed to get back to me in XXXX days. No one did. 

I received the letter with the bonus terms on XX/XX/2024 and part of it states : " Earn a statement credit on XXXX purchases up to {$300.00} in spend for the first XXXX  months from account opening ''. NO WHERE DOES IT SAY IT'S FOR A ONE-TIME PURCHASE ONLY I called Chase bank again on XX/XX/2024 to inquire about the escalation and was told they sent out the letter with the terms and the case was closed now.
Product: Debt collection

Calls from Capital One : 1. XX/XX/XXXX XXXX Cap XXXX XXXX 2.XX/XX/XXXX XXXX 3.XX/XX/XXXX XXXX 4. XX/XX/XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX they called but msgs were deleted ) 5. XX/XX/XXXX XXXX 6.XX/XX/XXXX XXXX 7. XX/XX/XXXX XXXX 8. XX/XX/XXXX XXXX  9. XX/XX/XXXX XXXX 10. XX/XX/XXXX XXXX 11. XX/XX/XXXX XXXX 12. XX/XX/XXXXXXXX 13. XX/XX/XXXX XXXX 14.XX/XX/XXXXXXXX 15. XX/XX/XXXX XXXX 16. XX/XX/XXXX XXXX 17. XX/XX/XXXX XXXX 18. XX/XX/XXXX XXXX 19. XX/XX/XXXX XXXX 20. XX/XX/XXXX XXXX 21. XX/XX/XXXX XXXX 22. XX/XX/XXXX XXXX 23. XX/XX/XXXX XXXX 24. XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act account XXXX XXXX, XXXX XXXX XXXX XXXX XXXXL XXXX, XXXX XXXX XXXXXXXX. 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 WHITOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I have contacted the FTC and local police department. I am now reaching out for your help with this issue. I need this items deleted from my credit report : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX 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 card

AMEX gave my personal information to XXXX during the XXXX credit card change over fiasco AGAINST MY SPECIFIC INSTRUCTIONS. I called AMEX as soon as I found out what was transpiring and was told the only way to stop the information from flowing to XXXX was to cancel my AMEX account, which I did immediately ( XX/XX/XXXX ). Today, XXXX XXXX, I received his and hers XXXX cards in the mail. Absolutely UNCONSCIONABLE. AMEX has proven its incompetence at keeping customers and I guarantee that I will NEVER be a customer of theirs again nor will I ever recommend to any of my friends or family to be members.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nissan Motor Acceptance are reporting late payments that are false late payments. I have tired calling them and disputing the issue with no correction. This issue has cause me higher interest rates on my new automobile, which has cause hardship.
Product: Debt collection

I contacted originally back in year 2015 by Trident Asset Management for a debt from XXXX XXXX. At that time I instructed them that can not be true, because I had successfully returned all the equipment from the company, so there shouldn't be any debt. I even confirmed with XXXX that the equipment was returned and nothing was owed. However since then, I've been sent letters, harassing phone calls and a negative stain placed on my credit history. Such malicious and egregious besmirchment is both unfair and illegal. I would like this to be disputed entirely and removed from my credit report immediately.
Product: Debt collection

This debt is showing on my credit report. This debt is not mine.
Product: Credit card or prepaid card

Complained about identity theft to this company many times. Read numerous reported from other fraud victims about this shady company not fixing their problems either. I have a police report to prove everything.
Product: Debt collection

I have disputed this account before this account was sent to PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX  XXXX XXXX # XXXX. I have filed a police report and a FTC ID Theft report please see attached documents. please delete this at ONCE!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are non recognized and nonauthorized hard inquiries on my credit report please have them deleted
Product: Credit card or prepaid card

I Just reviewed my City Rewards+ Card statement date : XX/XX/XXXX. 
They ( CitiBank ) included a {$25.00} Late Fee and a {$.00} finance charge on a prior month bill of {$25.00}. However, the statement shows that the entire balance of {$25.00} was paid in full on XX/XX/XXXX. The due date shown was XX/XX/XXXX. Therefore the bank automatically charged {$25.00} late charge and the finance charge. However, the payment was mailed by my bank to arrive by XX/XX/XXXX. I, therefore, contend that the payment actually arrived by the XXXX but Citibank failed to process the payment when it arrived. I make this claim because I almost always use my bank to make payments via their bill pay system and they always arrive on-time. I called Citibank and spoke with a senior service rep but they could not / would not resolve this issue. I doubled checked the mailing address to be sure it matched the address on the statement - it did. I think that corrupt banks should be held accountable.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of recent CFPB lawsuit highlighting significant issues with this platform. Despite using Zelle ample times and also reporting discrepancies, my financial institute and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds would be impossible and to track these transactions would just not be feasible. 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. The lack of accountability and transparency is extremely unacceptable and raises a serious concern about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 day past due on the XXXX - partial account number XXXX. ( Please see page 11 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

I'm victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

For the past 3-4 months I have noticed on my credit a amount owed to Hunter Warfield LLC of {$2400.00}. I have filled multiple disputes with the credit bureaus most recently XX/XX/2020 XXXX. The company has never informed me of accurate information that would make me responsible for this account. There is no documentation, bills, or any information that has been provided to me. This is not my account/responsibility and this should be removed from my credit reports. This continues to cause significant challenges to me and my credit in a time of pandemic, preventing me from obtaining services needed.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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