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

I pulled my annual report and realized I had damages on my consumer report misrepresenting me and displaying an abusive attack on my character. I have disputed four late payments with XXXX, XXXX, and TransUnion, as shown in my attached dispute letter. Ive sent an online dispute, certified letters, Fax, and phone calls quoting the laws below. They have not provided proof of their completed investigation and continue to ignore the laws below. As of today, my report still displays late payments, destroying my privacy. 

In accordance with the Fair Credit Reporting Act, XXXX Account XXXX has violated my rights. 

- 15 USC 1681 Section 602 states that I have the right to privacy.

- 15 USC 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions.

- 15 U.S. Code 1681a provides definitions and rules of construction for the Fair Credit Reporting Act, with specific exclusions.

- 15 USC 1666B prohibits a creditor from treating a payment on a credit card account under an open-end consumer credit plan as late for a specific purpose.
Product: Credit reporting or other personal consumer reports

My hospital bill went to collection yet was never send to my health insurance XXXX XXXX XXXX XXXX XXXX NY
Product: Checking or savings account

I was using Zelle to send money to my son while away at college. I typed in his name, selected it, sent {$500.00} to him then after my son told me he never received it. I went back and realized I sent it to the wrong person who had a similar name and when tried to get the money back Zelle basically told me I lost it and cant get it back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Subject : Consumer credit report violations Dear, XXXX, Experian and XXXX I am writing to dispute the inclusion of certain utilization information related to my credit card experiences on my consumer report. I believe that this is a violation under 15 USC 1681a2, as Congress clearly states that transactions and experiences of this nature should not be included in the consumer report. 

Upon reviewing my credit report, I noticed that the utilization information of my credit card experiences has been reported, which has negatively impacted my credit standing. I would like to bring to your attention that this information should not be considered for reporting purposes, as explicitly stated by Congress.

I kindly request that you investigate this matter and remove the utilization information of my credit card experiences from my consumer report. I believe that this action is necessary to ensure the accuracy and fairness of my credit history.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation into this matter. I kindly request that you provide me with a written response within 30 days of receiving this dispute letter, stating the actions taken to address my concerns.

Enclosed with this letter, please find copies of relevant documents that support my claim. These documents include [ list any supporting documents, such as credit card statements or correspondence with the credit card issuer ]. 

I appreciate your attention to this matter and your prompt resolution of the dispute. Please note that I expect a fair and accurate representation of my credit history in accordance with the laws and regulations set forth by Congress. 

Thank you for your cooperation. I look forward to receiving your response within the specified time frame. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Bayview Loan Servicing currently holds my mortgage, I requested a loan modification and they denied it because they claim that I defaulted on a modification in the last 12 months but I have not had a modification in the past 12 month my modification was almost 2 years ago. They only allow me to speak to one dedicated representative who is never available and when I try to schedule an appointment with this person, no appointments are available. I have sent at least 5 email and left at least 5 voicemail to the dedicated representative and have not received any response. I have also requested an appeal of the modification they just rejected and to be placed into a Forbearance and Bayview has not responded to either request. This is starting to feel like predatory lending. I have a lot of equity in my home and I don't want to loose it, I have been making my payments but they are not being applied to my loan, even though they are accepting the money.
Product: Checking or savings account

On Tuesday XXXX I got home and checked my mail. I noticed a I had received a debit card in my name that I never created from Venmo. On the Letter it didn't even have my full last name. The customer support service was closed at the time. I called the next day on XXXX to let them know that my identity was stolen and that it wasn't me that had opened this account. They opened a case for it and told me they are going to let me know what will happen. On XXXX I received a email from Venmo telling me that they suspended the account. They also told me that they have removed my contact information from their system as of XX/XX/24 and that the account is also restricted from transacting further.
Product: Credit card

Creditor has forward several letters stating that payment was not made to them, to submit proof payment, which has been provided to them several times. Proof of payment has been digital copy of check payment. Receipts from store location showing full amount of the transaction and bank statements showing payment was made to close the balance on the account. We have every letter receive from Comenity Capital Bank.
Product: Credit reporting or other personal consumer reports

Person information addresses does not belong to me. I only shouldve had 1 add with is my current address that should only be on my report, I sent this to all the credit report agencies and still to no avail.. I have disputed several accounts that not mine as well with all the agencies too and none of them follow the law. According to 15 usc 1681. ( I ) through 15 usc 1681 ( E ) they are in violation and not in compliance All disputes with all credit agencies. Eqifax, XXXX, XXXX they all have this problem
Product: Credit reporting, credit repair services, or other personal consumer reports

First and foremost I am the consumer. A natural person, allegedly obligated to pay a debt according to 15 USC 1692a ( 3 ). 

This Account # XXXX is showing on my consumer credit reports as a charge-off. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a XXXX As it stands, I have not received a copy of this form. Remove this information from my consumer reports immediately. 

My rights as a consumer are protected under Title 15 Chapter 41. 15 USC 1601 highlights the consumer 's informed use of credit. At this time this alleged consumer credit transaction was entered on XX/XX/2019. I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to your Company lack of disclosure and your unfair, deceptive, and misleading practices.
Product: Credit card or prepaid card

Continental Finance LLC, account ending in XXXX <P/>A dispute was filed for a charge in the amount of XXXX, XXXX on or around XXXX XXXX, 2017.  The item, a Mens XXXX watch, was not in package when received. The merchant provided a response which was not received in time for me to respond in the allowed time frame. The dispute dept advised me to go ahead and reply to the merchant response once they emailed me a copy of it. The merchant response is false/inaccurate as it refers to an order sent out in XXXX of 2017, a month BEFORE I placed the order. it was shipped to a XXXX XXXX in XXXX, NY. My name is XXXX XXXX and I live in Connecticut, obviously, this information is false and inaccurate as previously stated. I do not believe I should have to write in a detailed letter to disputes dept explaining these inaccuracies, however, I did so anyway and response was received on XX/XX/XXXX. It was not received in time as again, I did not receive the information in time to respond by due date. The case has been closed in favor of merchant even though I did not receive item. I 've attempted to resolve matter with disputes dept, however, reps refuse to do anything further. I believe they should have seen the info provided from merchant is false and inaccurate and do not need me to write to them stating so. I refuse to pay this charge and needs to be credited OFF the account. The merchant also references a replacement XXXX watch, which is not what I ordered and was placed a month BEFORE the charge on XX/XX/XXXX. The bank has been making numerous harassing collection calls due to a missed payment, the bank account information provided for auto pay had to be corrected, I believe a number was missing from account. They also need to stop calling me
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are unauthorized and furnished with my consent or knowledge on my consumer reports
Product: Credit reporting

Equifax responded to my complaint regarding XXXX XXXX on my Credit Report. I never applied for anything, verbally or in writing. All I wanted to know was how much XXXX charged for services per month. I never applied for a service. They lie and say I applied. I never did. They told me I could n't know prices unless I signed paperwork. Liars.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting fraud accounts on my credit report. I previously sent Equifax letters, for months, disputing these fraud accounts below in my consumer file : XXXX XXXX acct # XXXX {$2500.00}. XXXX XXXX acct # XXXX {$2200.00}. 
I am a victim of Identity Theft & have already Faxed an FTC report & copy of ID & SS card to Equifaxs fax number. Equifax has received my letters and was required to take the appropriate action within 30 days of receipt. This company is NOT legally verifying theses fraud accounts, there is no true proof or wet signature, that these accounts belong to me, anyone can open an account online using my info! However, Equifax has willfully failed to delete the disputed information as I requested in my dispute. Equifax 's action or inaction is an intentional violation of the FCRA. Equifax is also reporting inaccurate & fraud names, addresses, phone numbers & employers on my credit report. 
Thank You
Product: Debt collection

On XX/XX/2018, this account became delinquent for {$130.00} and was sent to the collection agency on XX/XX/2018. I advised them that " a family member has the same or similar name and asked them to remove this from my credit. They threatened me and told me " if I didn't pay this account they would send the account to the credit bureaus. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked and my information was compromised. I attempted to place protection on my account but was unable to do so. My cred report and any related information has been affected.
Product: Bank account or service

an employee at chase bank removed my name from a joint account that i had deposited {$30000.00} a month before. the employee at chase signed as a witness on a chase bank signature card that had been forged by the joint owner to remove me from the account. the signature card required notary and non was done. the signature card has one forged signature by the joint owner who is being charged with forgery. the bank employee who signed as a witness that he verified my id and witnessed my signature signed and removed my name from the account. i was able to get a copy of this signature card over a year later.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have a late payment on an account that I was in fact paid on time. Please find attached letter from XXXX XXXX XXXX of XXXX on my behalf informing XXXX and all concerned parties of the check being expressed mailed XX/XX/year> and then USPS mailed on XX/XX/year>, due to check originally be sent wrong XXXX address. The error was not mine. The consumer reporting agencies need to report all information with complete accuracy. This account is not currently late on payments and is paid off in full and closed. Ive attached a copy of my report to this complaint on the following dates ; XX/XX/year>. Im now requesting you investigate this account in update the payment to paid on time immediately. Thank you for your understanding and prompt action.

I am now requesting proof of this current investigation. Im asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well and documentation that proves this account was late. If you can not provide me with this information in 15 days, update the account to PAID-IN-FULL/NOT CURRENTLY LATE/CLOSED, and send me a copy of my updated credit report. 

FAIR RESOLUTION Update the account to NOT LATE/PAID OFF or remove it from my Consumer Report. 

Here is the account I am asking to be verified for accuracy : Account Name : XXXX, Account Number : XXXX XXXX, Credit Bureau : XXXX ; Account Name : XXXX XXXX XXXX, Account Number : XXXX, Credit Bureau : Experian ; Account Name : XXXX XXXX XXXX, Account Number : XXXX, Credit Bureau XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I had a past due bill with XXXX XXXX in the amount of {$1000.00} that was sent to collections. The name of the agency is Diversified Consultants. My account number with collection agency is XXXX. I resolved the payment with XXXX XXXX and paid full amount in agreeing to have information reported and retracted from my credit report. XXXX XXXX agreed to have information deleted and forwarded information over to Diversified Consultants. When reaching out to diversified  consultants myself and explaining to them that XXXX XXXX has agreed to delete information from credit report, Diversified Consultants responded they are not able to do anything but report that the payment has been paid in full. I have documentation of agreement between myself and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
DEPTEDXXXX XXXXXXXX Balance : {$4200.00} ; DEPTEDXXXX XXXX Balance : {$7500.00} ; US DEPT ED XXXX Balance : {$5800.00} ; US DEPT ED XXXX Balance : {$6800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated a written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXX Inquiry Date : XX/XX/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
Product: Vehicle loan or lease

Purchased gap on a car loan in XXXX and the car was traded in to a dealership in XXXX and the gap was never refunded.
Product: Checking or savings account

I bank with Security service Federal Credit Union Debit card was compromised ( don't know how ) and {$3100.00} were charged to my account. 

Fraud detection picked it up and called me. I told them to cancel the card and to refund/dispute and charge back the transactions as I did not make them. 

This was in XX/XX/XXXX. 

Today, XX/XX/XXXX, Security Service emailed me that they believed I made those charges in my account because they were consistent with my account usage. 

However, Again I never made such charges. They did not contacted me to ask additional paperwork or proofs that I didn't make the charges. They just denied the dispute and charged the funds and closed the case. 

I hope CFPB can help me recover the funds because they were stolen, and SSFCU allowed a person to make a transaction without concent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX, XXXX  XXXX unit XXXX 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 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 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.

CFPB- I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU XXXX DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ). 
ANOTHER METHOD PEOPLE DO IS JUST FILE AN FTC REPORT WITH ALL THE ACCOUNTS LISTED
Product: Debt collection

I saw a collection account on my credit report a couple years back. I fought it and disputed online through XXXX. I had asked the creditor LVNV Funding LLC to send me information to verify the debt is mine. I never received any information yet the creditor lists my account is verified.
Product: Debt collection

This company has sent me documents of debt and I have never done anything with this company. They have reported the debt as a joint account however I asked for documentation and all I got back was a letter with an electronic signature of only mine as well as the name of contact that was only my name.I asked for any docs they may have as proof as well for the debt and they dont have anything except for an electronically signed doc. This needs to be removed I have asked for multiple things to be provided and they have not been able to deliver anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$6700.00} ), XXXX XXXXXXXX ( Opened XXXX XXXX, XXXX, Balance {$2700.00} ), XXXX XXXX XXXX XXXX  ( Opened XXXX XXXX, XXXX, Balance {$9000.00} ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit card

I am writing to formally dispute an unauthorized charge of {$240.00} on my Apple Card, dated XX/XX/year>, for a reservation at the XXXX XXXX  booked through XXXX. I need your urgent assistance to resolve this matter. 

On the same day I made the reservation, I realized I had selected the wrong dates. I immediately contacted XXXX to cancel the booking. XXXX informed me that they attempted to reach out to the XXXX XXXX  management to cancel the reservation, but they received no response. Despite my prompt actions and having not utilized the booking, the charge remains on my Apple Card. 

I believe it is unjust to be held responsible for a service I did not use and attempted to cancel immediately. This situation has caused unnecessary financial stress and inconvenience. 

Thank you for your attention to this matter. I look forward to a swift resolution. 


I also have proof of the hotel I did stay at.
Product: Credit reporting

I am writing to dispute the account XXXX Account Number XXXX & XXXX and XXXX XXXX XXXX Account number XXXX & XXXX that is currently being referenced on my Equifax credit report. I have disputed this account information as inaccurate with Equifax, and Equifax has come back to me and stated that you were able to verify this alleged debt. How is this possible? Under the laws of the FDCPA, I have contacted XXXX XXXX XXXX XXXX and XXXX myself several times and have been unable to get them to verify that this alleged debt is indeed mine. 
I have previously enclose copies of my requests for them to Validate these alleged debts, and the receipts showing that I sent these letter via certified mail with a signature request. This debt is not mine and I was given any evidence of my obligation to pay this debt to these alleged collection company currently being listed on my Equifax credit report. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, Equifax is now obligated by law to remove the disputed items. This is a clear case of unverified debt here, and I urge Equifax to remove these items before I am forced to take legal action. 
Equifax is also continuing to report inaccurate addressing information on my Equifax credit report I have never resided at the address currently being listed as Previous Address which is as follows:XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX1REPORTED : XX/XX/2015PLEASE VERIFY THIS INACCURATE ADDRESS INFORMATION AND REMOVE IT AS SOON AS POSSIBLE. 
MY ADDRESS INFORMATION SHOULD ONLY BE REFLECTING AS XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX
Product: Debt collection

I hearby request Validation of debt collection practice act ( FDCPA ). Statements alone are not sufficient evidence of debt. As establish in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, a mere statement does not satisfy the burden of proof. therefore I request you provide : 1. The original contract or agreement. 2. A detailed accounting of the debt, including all charges and payment made. 3. verification from the original creditor that you have the legal right to this collection debt. Additionally, I demand that you cease and desist from all communication with me, as provided by the FDCPA. This includes, but is not limited to, phone calls, email, letters, or any other form of communication. Furthermore, this cease and desist request extends to any form of communication via my consumer reports. Thus, you must delete any entries related to this debt from all consumer reporting agencies.equifax XXXX  if you fail to comply with this request.