23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX or early XXXX, I signed up for XXXX XXXX XXXX at a home I shared with my partner. In XXXX, we went through a very difficult family breakup. We both lost our jobs, had to sell the home quickly, and were doing everything we could to avoid foreclosure. As a result, we had to leave everything behind, including the XXXX system. 

I was the only person listed on the account, even though my ex also lived there and helped manage the household. Since then, I have never received a single phone call, letter, or email from XXXX or Zions about any unpaid balance or debt. I always updated my address and phone number. My exs number never changed, and I know XXXX had it because he was added to the account but he also never heard anything from them. 

This debt was reported years later as a collection account without any contact or warning. I dispute this collection, how it was handled, and the failure to notify me before reporting it. Had I known, I would have worked it out directly with XXXX. Now Im being penalized on my credit for something I wasnt given a chance to resolve.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : 1. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and showing a late payment. Please provide proof of the late dates and update the status to current or paid as agreed. 

2. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and showing a late payment. Please provide proof of the late dates and update the status to current or paid as agreed. 

3. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : balance : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status Inaccurate These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.
Product: Credit reporting or other personal consumer reports

I did not authorize any of these companies to run my credit! This is fraudulent
Product: Debt collection

This debt is related to my niece, XXXX XXXX. She applied for financial assistance in XXXX 2015. XXXX XXXX was also on Medicaid back-dated. I spoke to XXXX Hospital in 2015 and was told that this bill was being put on XXXX XXXX 's account and should not be in name.
Product: Credit reporting or other personal consumer reports

I was in the process of buying a house and i realized i had damages on my credit report. According to the ( 15 USC 1681 law ) there should not be any damages on my report, it is defamation to my character.
Product: Debt collection

I submitted a form on XX/XX/2020 outlining my attempts to obtain a {$280.00} for expired Payments to Cash App. I received a call from Cash App. The message said call us concerning your refund. The Cash App person that I spoke with has me input a series of numbers " for verification. '' I stupidly followed his guidance provided him all of my personal information and input a series of numbers. he instructed me to hit pay. I questioned this action and was told it was necessary for " the server '' and to " trust him, no payments '' would be processed and I would receive my refund within 45 min.WHEN ACTUALLY ANOTHER {$900.00}. was processed through mt bank via Cash App to various people that I had no intention or awareness of paying. HOW can they be allowed to lie, steal and cheat.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Received USPS change of address verification letter on XX/XX/2022. Contacted USPS and advised change was not requested and to cancel change of address. On XXXX XXXX received a credit card in the mail from XXXX XXXX Bank and a letter from same dated XX/XX/2022 about my application/request for the card. I did not make this request or application. On XX/XX/2022 received a credit card from XXXX XXXX that stated I had requested it. I did not apply or request this card. On XX/XX/2022 I called both companies and reported them as not requested and cancelled them. On XX/XX/2022 I ran my 3 credit reports. There was a different credit card that was opened XX/XX/2022 that I know nothing about. XXXX and XXXX both had XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX as an address for me that is not mine as I have lived in Colorado my entire life. 
XXXX asked us to file this report and upload it to them.
Product: Credit reporting or other personal consumer reports

I sent a letter to Exprian on XX/XX/2024, regarding a collection account that is on my credit report. I sent a letter to the Collection company and it was returned for insufficient address. On the letter I sent to all three credit reporting agencies. I informed them, the responsibility of the data furnisher is outlined in the FCRA, section 623. In part, it states : '' The FCRA prohibits furnishers from providing information to a consumer reporting agency ( " CRA '' ) that they know ( or consciously avoid knowing ) is inaccurate. I requested they remove this account due to the FCRA violation. They responded with INVESTIGATION RESULTS : VERIFIED AS ACCURATE ''. Which means they obviously did not do an investigation because I still have not been provided with an accurate address, This is over well over 60 days ago and this account needs to be removed off my credit report. 

The company is also in violation of Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ( C ) ALSO - they violated FDCPA - because at no point have they Spoken to me in person Spoken to me by telephone They did not mail me a collection letter giving me time to dispute the account and they never sent any electronic communication to me. Ive included a copy of the account on my credit report Ive also attached the returned envelope that proves they provided the credit bureaus with the incorrect address.
Product: Credit reporting or other personal consumer reports

Back in XXXX I discovered fraudulent activity involving my name thru numerous bills and other documents being delivered to my address claiming I own a vehicle that I never purchased or drive. Im also receiving tolls and a poor credit score because of this problem. I asked the company on a numerous of occasions to have my name taken off that account or I will press charges they agreed to disagree and I now have the police report to prove my innocence. And will go further with the law in order to clear my name.
Product: Credit reporting or other personal consumer reports

I formally dispute the accuracy of my student loan information due to recent FERPA and FCRA violations, including unauthorized access to my records. 

Specifically, I allege violations of FERPA Unauthorized disclosure of my educational records to DOGE on XX/XX/XXXX., FCRA 15 USC 1681q My credit report was accessed by DOGE on XX/XX/XXXX without a permissible purpose, I did not authorize this access for credit, employment, or any other permissible purpose., and FCRA 15 USC 1681b My credit report, containing my student loan information, was accessed by DOGE on XX/XX/XXXX for personal gain which is not a permissible purpose under the FCRA . I did not provide consent for this access.. 

I also invoke my rights under FCRA 15 USC 1681i, demanding a reasonable reinvestigation within 30 days of the following disputed items : US DEPT ED Account # XXXX US DEPT ED Account # XXXX US DEPT ED Account # XXXX US DEPT ED Account # XXXX These inaccuracies violate FERPA and consumer protection laws. I demand immediate correction or deletion of all incorrect information. Please provide a written response within 30 days detailing your investigation and corrective actions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX  Dispute Department XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccuracies on my credit report, which I believe are negatively affecting my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and report a thorough investigation into these inaccuracies, required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit XXXX for failure to properly investigate consumers dispute citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB includes : Conducting inadequate investigation that failed to address consumer disputes properly. 
Reinserting previous dispute and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegation highlights systematic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on the credit reports. I am deeply concerned that my dispute may be mishandled in the similar manner.

Please review the inaccurate information being report : Under the FCRA, you are required to : Conduct a proper investigation into my dispute. Inform me of the results of yoru investigation in a clear and comprehensible manner.

Provide me with any documentation you rely on if the dispute information is verified as accurate.

Ensure that inaccurate or unverifiable information is corrected or removed from any credit report promptly. 
If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of these information from my credit report. 

Furthermore, I request written confirmation of the action you taken in response to this dispute if you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB or other appropriate agencies. 

Thank for addressing this matter promptly, I look forward to your response with the legally mandated 30 days timeframe. 

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

See attached documents XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at Grow Financial on XX/XX/XXXX under the account number ( private ), a collection account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$890.00} ( private ) that appears related to the aforementioned unknown account. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX Account XXXX : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

I believe I am victim of Mortgage Fraud. Please provide me with the documents listed below to verify your claim.
Product: Credit card or prepaid card

This is my 2nd complaint to the CFPB in this regard ( XXXX ). My previous one was closed without proper resolution. I have issues getting a companion certificate that was issue earlier this year. I have now filed 3 research tickets with your phone support team with no resolution. ( Internal case number XX/XX/XXXX # XXXX, XX/XX/XXXX # XXXX XXXX. According to the rep, no one has responded to the prior 2 research tickets The below is an excerpt from the letter sent to me from my last CFPB ticket. I was told a copy of my certificate could be printed from my online account. I signed on and was not able to find it. I called the number in the letter and they were not able to find it as well. They apparently were able to sign into my account ( emulating my access ) and was not able to find it either. I called on XX/XX/XXXX at XXXX CST. I specifically spent extra on the card to meet the threshold. I now have a 3rd research ticket. Can someone please help me? 

Barclays letter to me dated XX/XX/XXXX : Dear XXXX XXXX : I am in receipt of correspondence forwarded to Barclays Bank Delaware ( Barclays ) from the Consumer Financial Protection Bureau. I understand your concerns about the companion certificate, and will detail the results of my investigation.In review of your correspondence, you stated that you previously requested a copy of the companion certificate. Regrettably, I am unable to substantiate your claim. According to our records, we have not received any requests from you regarding a replacement companion certificate. As a goodwill gesture, the companion certificate expiration date has been extended to XX/XX/XXXX. You may confirm this action by visiting our customer website at XXXX. Here, you will also be able to print a copy of the companion certificatefor your records. I regret any inconvenience this matter has caused you. If you have any additional questions that we can assist you with, please contact our Customer Care team, where a representative will be able to assist you 24 hours a day, 7 days a week at XXXX, XXXX XXXXOffice of the PresidentCC : Consumer Financial Protection Bureau
Product: Credit card or prepaid card

XXXX XXXX  credit card is showing up again on my credit and its reflecting a negative remarks ; however back in XX/XX/2021 I saw this same account and they closed the account but now it has popped back up
Product: Credit reporting or other personal consumer reports

I filed FTC report because I found fraudulant accounts on my report and nobody will help me.
Product: Credit reporting or other personal consumer reports

This is a company seeking money from me, we never agreed in no such contract there are sharing my personal information on different platforms without consent. I told the company that I will conditionally expect your offer upon proof of claim that if you can provide the original charging instrument for this account. Pursuant to the Uniform Commercial Code you must be holder and due course of the original charging instrument otherwise you may not make the presentment. If you you provide the original charging instrument I will gladly pay the said amount also I conditionally expect your offer upon proof of claim if you provide the XXXX OID that shows who the recipient of said funds. If this company can not provide this information its identity theft and must be removed off my credit report immediately and the cost of the violation XXXX XXXX dollars per penalty
Product: Debt collection

In XXXX my husband and I defaulted on an unsecured loan from our local bank. The XXXX was put into receivership with the FDIC, and its assets sold. Our defaulted loan was sold to XXXX XXXX XXXX, XXXX. One month later it was sold again to XXXX XXXX XXXX XXXX, XXXX. Then in XXXX XXXX it was sold again to Lakeland West Capital, LLC. In XXXX of XXXX we were served notice that we were being sued for this debt, by XXXX XXXX, representatives of Lakeland. 

I contacted XXXX XXXX, XXXX XXXX, in XXXX XXXX and paid XXXX then to stay the case, and had a conversation with XXXX about being able to pay the balance in near future, if a reduced payoff could be negotiated. He said it could. He emailed me requesting agreeing to {$700.00} now/ $ XXXX month. I sent XXXX. When contacted about new payoff XXXX XXXX, he responded with XXXX I replied that the original debt sued for {$4300.00}, less {$700.00}, should be more like XXXX. Asked for recalculation, with no further response. 

I then called XXXX XXXX, collections for Lakeland. The phone was answered " XXXX ''. Thinking I had dialed in error, hung up and called back with same response. I left VM, and emailed her. Over the next few emails I asked for reduced payoff again, a detailed statement of what I owe, what interest rate they are charging, is interest still being charged, and how my payment was applied and how do they arrive at XXXX for the pay off. She replied that they had paid XXXX in legal fees to XXXX XXXX. and that the payment was applied to late fees and back interest, nothing to the principle. 

It seemed odd to me that a car finance company is involved in my old loan, so I started XXXX. It appears that XXXX, XXXX XXXX and Lakeland all share directors and presidents that are all interelated, and involved in scores of debt " investors '' companies. I feel that they sold and resold my loan to each other to inflate the fees and costs associated with my debt. Furthermore I feel XXXX is in collusion with these people in setting a " payment plan '' with no terms, no explanation of how the payments are to be applied, no explanation the INTEREST is still ACCRUING BY THE DAY, how much the interest is or anything else. In my opinion the XXXX XXXX fees are inflated because the summons indicated that XXXX other debtors were in the same batch as my case. 

Am I supposed to pay XXXX a month FOREVER? In every other instance of setting up payment arrangements, even with credit card companies, they stopped charging interest, and were flexible in the payment amount. When I told XXXX XXXX that I could do maybe XXXX and XXXX a month, his response was Lakeland want XXXX or nothing. 

What can I do? 

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

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX 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

Alleged Violation of 15 USC 1692g - Validation of Debt I am asserting that a debt collection attempt made by Caine & Weiner Company Llc, breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt. 

**Lack of Opportunity to Dispute Debt** Despite being approached by Caine & Weiner Company Llc , regarding an alleged debt, I lacked prior knowledge of its existence and was not afforded the opportunity to contest it. 

**Request for Certified Mail Receipt** Per 15 USC 1692g , debt collectors are obligated to furnish consumers with a written notice within five days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand Caine & Weiner Company Llc, furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements. 

**Unlawful Debt Collection Practices in New Jersey** It has come to my attention that Caine & Weiner Company Llc , lacks authorization to pursue debt collections in New Jersey , my state of residence. Consequently, any pursuit of this alleged debt contravenes state regulations.
Product: Debt collection

I do not have the date of latest letter in 2020 ... .company saying I owe them money ... .I checked with the supposed " creditor name '' and they said I was totally up to date ... in fact, I have an auto payment!!! 
Upset because this is a total waste of my time to deal with these people!