23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

on XX/XX/2022 I made two payment totaling to {$150.00} to Central Portfolio Control and they are still billing me for the same payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 12 inquiries on my ChexSystems report, 10 of which I did not initiate. I have sent letters out at least 3 times, disputing these unauthorized inquiries. Some inquiries were deleted, while others remain. I do not have any accounts related to these 10 inquiries, and I have not been sent any proof that I initiated these inquiries, only that the companies associated with the inquiries " say '' that it's true. I will list the supposed date of these inquires, along with dispute letters, and certified letter receipts, along with the tracking numbers. I demand that these unauthorized inquiries be deleted or I will have to escalate the matter. Thank you. 

Inquirer # 1 : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, MD 20895Phone Number : XXXX Inquiry Date : XXXX  Inquirer # 2 : XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY XXXXPhone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX Inquirer # 3 : XXXX XXXX XXXX XXXX. ; XXXX XXXX  XXXX XXXX, XXXX, PA XXXXPhone Number : XXXX Inquiry Date : XX/XX/XXXX Inquirer # 4 : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX Inquirer # 5 : XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX, XXXX, PA XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX Inquirer # 6 : XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, VA XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX Inquirer # 7 : XXXX  XXXX XXXX  XXXX. ; XXXX XXXX  XXXX XXXX, XXXX, IL XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX Inquirer # 8 : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone Number : XXXX - On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, OK XXXXPhone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX Inquirer # 9 : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXPhone Number : XXXX On Behalf Of : XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, IL XXXXPhone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX Inquirer # 10 : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX, XXXX XXXX, TX XXXXPhone Number : XXXX On Behalf Of : XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, IL XXXXPhone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX. 

These 10 inquiries do not belong to me at all. The only 2 that are mine are the 2 that are both from XXXX XXXX XXXX, and I have the account ( s ) to prove the link. Please delete the other 10 because they are hurting my ChexSystems credit profile and score. I will take legal action if they are not deleted. Thank you. 

XXXX XXXX These are tracking numbers for 2 of 3 letters sent to ChexSystems.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I asked the court if they provide bankruptcy information to the credit bureau 's. 
XX/XX/2020 I got a letter from the bankruptcy court acknowledging they do not. 
XX/XX/2020 I requested a security freeze on my XXXX XXXX Credit Report XX/XX/2020 I sent dispute letters to ALL three credit bureaus including the letter from the court saying they do not report to the credit bureaus. 
XX/XX/2020 XXXX  removed the bankruptcy ( which by the way was actual identity theft and was reported as such ). 
XX/XX/2020 received a confirmation from XXXX XXXX that the bankruptcy was removed from my report XX/XX/2020 I disputed the bankruptcy again with XXXX  XX/XX/2020 received a notice from EXPERIAN saying my bankruptcy was verified XX/XX/2020 sent another dispute to Experian disputing my bankruptcy and I have not heard one work and it has not been removed from my account. 
XX/XX/2020 I received a letter from XXXX  saying the bankruptcy was verified with XXXX  XXXX which is not true. 

Both Experian and XXXX  are reporting information they did not verify. XXXX  did try to verify and sent a letter that they were unable to verify with XXXX XXXX and they did the right thing and removed this account. 

Please help me get this resolved with both XXXX  and Experian. I can send in all letter and proof from the courts and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the following items that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again. 
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
Product: Credit reporting or other personal consumer reports

I am writing because I have a credit card that has been reported to XXXX XXXX XXXX but not Equifax, affecting my credit because I am not getting the credit history I should have. Please have a look into this and please update my credit report. 15 U.S.C. 1681s-2 states that it requires furnishers of information to provide accurate information to credit bureaus and to update or correct information upon notice of a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account : XXXX XXXXXXXX Account # : 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.
Product: Vehicle loan or lease

I received a letter from XXXX XXXX that said I was eligible for a lower interest rate. I immediately was drawn in because they said I could get it at XXXX %, and I am currently paying XXXX %. They said no problem, ran my credit, and texted me they found a lender at a lower rate by not near the XXXX %, so i wouldn't have went with them. I would have waited or explored other options. Now they ran my credit, have my social security number, and all my personal information, and they are not calling me back. XXXX XXXX sent me a letter with false hope on the rate. They should honor what they wrote in the letter. I wouldn't have given all my personal infor and social security if I knew they werent going to hold to the rate in their letter.
Product: Payday loan, title loan, or personal loan

I have been charged outrageous fees from this company although I am XXXX XXXX military. They dont actually give the full amount of their loans but add it to an extended fee and pay it off leaving you on the hook for thousands. It is a disguised lower interest rate but they tack on thousands over time putting consumers in debt
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX This debt collector has not provided me proper debt validation for this aege debt. Please delete this from my credit report.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute inaccurate information reported by XXXX on my credit reports, which is adversely affecting my credit score. Upon reviewing both my Equifax and XXXX credit reports, I have identified several discrepancies in the reporting of my account with XXXX. 

The following discrepancies were noted : 1. Last Payment Date : Equifax reports the last payment date as XX/XX/year>. 
XXXX reports the last payment date as XX/XX/year>. 
2. Monthly Payment Information : Equifax shows the monthly payment as XXXX. 
XXXX shows the monthly payment as -, which I believe is inaccurate. 
3. Account Type : Equifax lists the account as an XXXX loan. 
XXXX lists the account as an XXXX XXXX. 

These inconsistencies are clearly erroneous and violate the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies ensure that information on consumer credit reports is complete, accurate, and verifiable. Specifically, under FCRA Section 607 ( b ), 15 U.S. Code 1681e ( b ), both Equifax and XXXX are required to maintain accurate records. Furthermore, XXXX, as a data furnisher, is responsible under FCRA Section 623 to report accurate information to credit bureaus and correct any errors upon discovery. 

Additionally, I would like to bring to your attention the Federal Trade Commission ( FTC ) guidelines, which require credit reporting entities to correct any inaccuracies and respond to disputes in a timely manner. The discrepancies mentioned above indicate that the reporting entities have not fulfilled their obligation to ensure accuracy. 

Moreover, Equifax and XXXX have both been subject to breaches that have compromised the security of personal data. These breaches, especially those affecting the accuracy of credit reporting, should be taken into account when addressing this dispute. Under the FCRA, credit reporting agencies are obligated to ensure not only the accuracy but also the integrity of the information they report. 

I am requesting that the CFPB investigate this matter and require XXXX, Equifax, and XXXX to immediately correct these inaccuracies and remove this account from my credit report if it can not be properly verified. I ask that you prioritize this dispute due to the significant impact these inaccuracies have on my financial standing and creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, over six months ago, I XXXX XXXX XXXX have file disputes on several incorrect accounts on my credit report. Equifax, XXXX, and XXXX, I do not feel that there was a proper investigation done or attempted on these credit files and these negative items continue to be on my credit report due to fraud. 

XX/XX/XXXX, amounts XXXX, XXXX XXXXXXXX XX/XX/XXXX, amounts XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, amounts XXXX, XXXX XXXXXXXX XXXX  XX/XX/XXXX, amounts XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, amounts XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, amounts XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I woke up to numerous accounts on my credit report that I have no connection to.I immediately called Transunion and was informed I had to file a FTC report. So I then filed a FTC Report ( FTC # XXXX ) and sent it to Transunion via USPS. Transunion received my complaint and still has not removed the fraudulent accounts. They are taking advantage of me as a consumer and dragging their feet with removing these account. 15 USC 1681c-2 states Block of information resulting from ID Theft within 4 days. It has now been 7 days and the fraudulent accounts are still on my report. My score has dropped over 100 points due to this.

Ive satisfied all the requirements pursuant

to 15 USC 1681c-2 ( 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. Pursuant to 15 U.S. Code 1692k-2 ( a ) im seeking damages in the amount of {$1000.00} per account being reported after the 4th day of receipt of my dispute. There are a total of four accounts and 3 inquiries illegally being report after receipt of my complaint, totaling {$7000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 60 days past due on the XXXX XXXX - partial account number XXXX. ( Please see page 7 of the attached credit report ). This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Vehicle loan or lease

I FELL LIKE MY CONSUMER RIGHTS HAVE BEEN VIOLATED according to 12 code of federal regulations 226.23 right of rescission
Product: Mortgage

Ive payed my mortgage on XX/XX/XXXX in the amount of {$2600.00} which brought me current to XXXX, on the XXXX of XXXX a payment of {$2600.00} was applied to the account which should have brought me current to XXXX then on the XXXX of XXXX a payment of XXXX was made which should have brought me current to XXXX however theyre saying they dont see this payment even though it has cleared on my end.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is an identity Theft Report with the following fraudulent inquiries listed below. 

TransUnion Fraudulent Inquiries XXXX XX/XX/2023
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. 

Account Name : XXXX  XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : 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 a account without my written instructions. 
15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I see multiple inquires that I did not do on my credit report. I contacted XXXX, XXXX and Transunion to remove them. They all advised I should file a report with the CFPB in order to get these issues fixed on my credit report.
Product: Debt collection

I routinely check my credit score once per month. On XX/XX/2023, I checked my credit score on XXXX and noticed a XXXX point drop from a credit score of XXXX ( XX/XX/2023 ) to XXXX ( XX/XX/2023 ). Looking at my credit report, I saw a fraudulent " collection '' charge from ACCESS RECEIVABLES MAN on behalf of the original creditor ( XXXX XXXX  XXXX XXXX ) for {$530.00}. The fraudulent transaction happened on XX/XX/2023. Subsequently, this collection charge appeared on my XXXX credit report on XX/XX/2023. I also checked my credit reports from XXXX and XXXX, which corroborate the same fraudulent charge. This is identity theft. I have never taken a loan out from XXXX XXXX  XXXX. I am a XXXX XXXX who has completed XXXX school, XXXX, and XXXX. As a practicing XXXX in XXXX XXXX, Texas, I have no reason to go to community college in XX/XX/2023 in Virginia. 

Additionally, I contacted both the debt collector ( ACCESS RECEIVABLES MAN ) as well as the original creditor ( XXXX XXXX  XXXX XXXX ) multiple times by both phone and email with no response from either party. I was never notified regarding a debt owed ( by the debt collection agency or Virginia XXXX XXXX ). A police report has been filed with my local police station regarding this identify theft.
Product: Debt collection

This was not sent in error XXXX XXXX XXXX consumer by law at ang information XXXX XXXX XXXX misused at XXXX I have some false at not 100 % accurate sXXXX XXXX XXXX Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft victim, ongoing challenge to clean-up credit agency data. XX/XX/19 - Experian online continues to kick me out of online access due to information provided not matching their records. Phone number provided as I get kicked-out, but because their data is wrong I can not get past IVR to get to a human to discuss. 

In addition to not providing me with a credit report as allowed by law, I have a security freeze in place but urgently need it temporarily lifted for loan application. I am stuck due to their unwillingness to allow human conversation, and can not get past digital wall due to their data being inaccurate. 

Please assist?
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns about Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting critical shortcomings within the platform. 

As a frequent user of Zelle, I have reported discrepancies on multiple occasions. However, both Zelle and my financial institution failed to thoroughly investigate my claims. I was informed that recovering lost funds was not possible and that tracking these transactions was unfeasible. 

The CFPBs findings reveal a troubling pattern where Zelle has not only failed to adequately protect its users but has also allowed repeat offenders to exploit the system. This lack of safeguards leaves consumers, like myself, highly vulnerable to scams and fraud. 

I urge Zelle to address these issues and implement stronger consumer protection measures to ensure accountability and user safety.
Product: Mortgage

Please forward the attached QWR per RESPA to Nationstar.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello yes I talk to someone in the fraud department from Experian on the date of XX/XX/XXXX. The only reason for me contacting Experian is that I noticed some old addresses, employers and also collections with hard inquiries that are unauthorized without my consent. So I asked them on XX/XX/XXXX to simply remove the old addresses and dispute a few of the other items since the addresses were incorrect. They explained that they would contact me in 30 days and to also let the changes take up to XX/XX/XXXX hours to show results. I have been checking my file and I dont see any changes at all.It would be extremely helpful to be able to see my entire credit file but they dont allow that .While on the phone with the agent yesterday I explained the trouble it is of not being able to review the entire credit report .If I cant see the report how will I be able to handle this issue accurately and appropriately to prevent me and them from making future mistakes they want us to upgrade our subscription for XXXX a month to be protected against fraud and review the entire credit file accurately.This is absolutely unacceptable and they are in violation of code 1681c-2 block of information resulting from identity theft. And also 1681n.Civil liability for willful NonCompliance, Congressional findings and statements of purposely incorrect information from the reseller and Credit Company.They either need to delete these accounts and collections
Product: Debt collection

Genesis credit management bought my debt from XXXX XXXX apartment complex. The bill they charged me for was the wrong unit. On the bill they sent me they stated apartment  XXXX. I lived in XXXX and have both the bill and lease to show it. They also charged for fees that were not disclosed in the lease as well. I tried to tell them that and have them submit a correct bill but they sold it to a debt collection company instead. I talked with the collection agency over the phone and explained it to them and they said I was good and to disregard the bill and then contributed to put it on my collections and damage my credit. FOR THE WRONG APARTMENT THAT WAS NEVER LEASED TO ME. I have attached both the bill they sent me in my email stating XXXX and my lease for XXXX
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate Information that is hindering my credit report. this has been an ongoing issue that needs to be looked into asap. ive noticed all information is reporting illegal an fraudulent information that needs to be corrected an deleted asap. please review an remove the listed items to help clear an correct my credit report asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Feir Gredit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation.
Product: Debt collection

Note : All collection activity described below is under my dead name, XXXX XXXX. My name was legally changed XX/XX/2021 to XXXX XXXX. 

The CBE group reached out to collect on a former college loan I held. The account went to collections because my college failed to contact me at my updated address and phone number. Upon receiving notification of the debt, I engaged with CBE and paid the full requested amount. My account on their website showed the status " Paid in Full. '' A month after I paid in full, the CBE group has attempted to collect an additional {$300.00} for " fees ''. 

Under section 807 of the Fair Debt Collection Practices Act, it is unlawful for a debt collector to falsely represent the amount of any debt. The CBE group has clearly falsely represented the amount of my debt, as they are asking for more money after the original agreement was paid in full. The CBE agent I spoke to earlier today tried to scare me into paying unverified debt by warning me that I will be charged interest for an agreement I already completed. I will file a FDCPA violation and continue to work with the Ohio Attorney General to report this false representation of debt.