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

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM ******* EXPERIAN
Product: Credit reporting, credit repair services, or other personal consumer reports

my name and alias name and previous addresses need to be corrected
Product: Debt collection

I am writing to formally file a complaint against Portfolio Recovery Associates for their failure to comply with federal debt collection laws and consumer protection regulations. This agency has placed a collection account on my consumer report without following the proper procedures, as required by law. 

Firstly, under 12 CFR 1006.34 ( b ) ( 5 ), the agency is required to provide debt validation information before reporting the debt to a consumer reporting agency. Despite this requirement, I has not received any such validation from them. Furthermore, the agency has not provided me with an opportunity to dispute the alleged debt as outlined in 12 CFR 1006.34 ( c ) ( 4 ).

In addition to these violations, Portfolio Recovery Associates is engaging in false, misleading, and deceptive practices in violation of the law. They have no authority to furnish any account to a consumer reporting agency without adhering to the mandatory disclosure requirements under 12 CFR 1006.34 ( d ) and 15 U.S.C. 1681-S.

I am formally disputing the debt and requesting that Portfolio Recovery Associates provide the following : Full debt validation, including documentation that confirms the alleged debt is valid and that Portfolio Recovery Associates has the legal right to collect it. 
The original purchase agreement between Portfolio Recovery Associates and the original creditor. 
Proof of licensing and bonding to collect debts in the state of new york Additionally, I am revoking all consent for Portfolio Recovery Associates to contact me via email, text, or phone. All future communications must be made in writing only. 

I request that the CFPB take action to investigate these violations of my consumer rights and ensure that Portfolio Recovery Associates complies with the law. Their failure to adhere to these legal obligations is harmful and demonstrates a disregard for consumer protection laws.
Product: Credit reporting or other personal consumer reports

I have serious problems with the continuous inconsistency of my name in the different credit bureaus, despite having sent my driver 's license where my name is seen, I still have more than 9 different names among the 3 credit groups. 
On my XXXX credit report, I have XXXX different names, XXXX wrong addresses, and the wrong employee position. 
On my XXXX credit report, I have XXXX different names XXXX Wrong address, and the wrong employee position. 
On my TransUnion credit report, I have XXXX wrong address, wrong phone number, and wrong employee position.
Product: Mortgage

Mortgage company misappropriation. Applying payments to accounts they determine and not paying principal mortgage payment. Damaging my excellent credit and business.
Product: Money transfer, virtual currency, or money service

Vance and Huffman LLC, XXXX XXXX XXXX XXXX, VA XXXX Amount stated on all three credit bureaus is {$1200.00}. I have no knowledge of this account from XXXX XXXX XXXX one day it just showed up on my credit report.
Product: Debt collection

On XX/XX/XXXX, I received a call from XXXX XXXX XXXX XXXX from XXXX. I answered, and then the call hung up. I called back, and a representative - a woman - answered. She asked for me by name, I said " yes ma'am. '' She proceeded to disclose my full social, full name, and full address without first verifying it was me and without saying " this is an attempt to collect a debt. '' When I tried to point this out to her, I guess she realized I was correct, and she said " oh XXXX '' and hung up on me. They called last week, claiming I owe a loan from XXXX, and that I was being taken to court by their attorneys and being served at my home for this. It's all false since I wasn't eligible to take out loans in XXXX in any capacity. I no longer feel safe. I think this is a huge violation of privacy, and this company should be held accountable for this. I plan to work with an attorney to sue for corrupt collection practices. But this definitely needs to be on the record somewhere in case someone else is affected.
Product: Credit reporting or other personal consumer reports

Subject : Complaint regarding refusal to investigate and remove collection accounts Dear Sir/Madam, I am writing to express my deep dissatisfaction and frustration with the lack of action taken by credit bureaus in relation to the unjust reporting of two collection accounts on my credit report. Despite my diligent efforts to rectify this matter, the credit bureaus have consistently refused to investigate and remove these erroneous items from my credit report.

The collection accounts in question are associated with XXXXXXXX XXXX XXXX XXXX XXXX XXXX  I have repeatedly requested proof of any contractual obligations between myself and this collection agency, but to my dismay, no evidence has been provided. It is important to note that I have no knowledge or recollection of any such contract, and therefore, I maintain that I am not obligated to this collection agency. 

Furthermore, XXXX XXXX has been inaccurately reported as an active account, despite the fact that it was actually charged off and reported to the IRS as a cancellation of debt. This cancellation of debt is clearly documented in my income tax records. It is both alarming and fraudulent for the company to have filed a cancellation of debt with the IRS, yet continue to report the account as active on my credit report. 

I kindly request that you take immediate action to investigate these matters thoroughly and remove these unjust items from my credit report. It is imperative that my credit history accurately reflects my financial responsibility and integrity. 

I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute inaccurate information on my credit report, and it is the responsibility of the credit bureaus to conduct a reasonable investigation into these disputes. I urge you to fulfill your obligations under the FCRA and ensure that my rights as a consumer are protected. 

I expect a prompt response within 30 days, as mandated by the FCRA. Failure to address this issue within the specified timeframe will leave me with no choice but to pursue legal remedies to protect my rights and rectify this situation. 

Thank you for your attention to this matter. I eagerly anticipate a swift resolution that will restore the accuracy of my credit report
Product: Credit card or prepaid card

Crypto.com never sent me my midnight blue debit card
Product: Credit reporting or other personal consumer reports

Im reaching out because there seems to be an issue with my personal information in your system, and its becoming a real concern. Its frustrating knowing that outdated or incorrect details might be affecting my credit report. 

REMOVE PLEASE OLD ADDRESS 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: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir, As per the Experian Credit Report dated XX/XX/XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX ) did fraudulent inquiry on XX/XX/XXXX in my credit file without my consent and without my authorization. I have communicated to Experian multiple times that I do not have any business with XXXX and never ever contacted them and they have been doing fraudulent inquires in my credit file without my consent and without my authorization, same has been disputed and removed from Experian Credit file. Experian entertaining the fraudulent inquiries in my credit file without my consent and without my authorization, I never ever contacted XXXX  for any reason. XXXX  inquiry dated XX/XX/XXXX is a crime, fraud and misrepresentation. I have also locked experian Credit file on XX/XX/XXXX to avoid further fraudulent activities and damages, where experian unlawfully entertaining fraudulent inquires in my credit file without my consent and authorization. Could CFPB kindly direct Experian to remove the disputed and fraudulent inquiry XXXX  inquiry dated XX/XX/XXXX from credit file, which was inquired without my authorization and consent. I do not have any business with XXXX XXXX at any point of time for last 12 years. Could CFPB kindly direct Experian to send me the complete details of this fraudulent fraud inquiry dated XX/XX/XXXX, complete details of fraud alert dated XX/XX/XXXX I am going to submit these fraudulent inquiry details to Law Enforcement Officer and FBI. I think someone using my identity, social, name and address, also kept fraud alert in the place as and when identity thieves applied XXXX XXXX. Identity thieves applied for XXXX XXXX, without my notice and consent. Could CFPB kindly Initiate appropriate action against Experian and XXXX for entertaining fraudulent XXXX XXXX inquiries in my credit file. Could CFPB store my CFPB complaints in the data base, FTC records, law enforcement, identification theft and misrepresentation/fraudulent activity records. Could CFPB kindly direct my complaint to Federal Officer and take appropriate action against XXXX  for committing fraud and misrepresentation using my social, name, address and various identification details.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate disputes on my credit report, resulting in the inclusion of inaccurate and misleading information. I disputed certain entries on my report due to errors, but Experian did not conduct a thorough investigation as required by the Fair Credit Reporting Act ( FCRA ). Instead, the company conducted what I believe was a sham investigation, accepting responses from the data furnisher without properly reviewing or questioning their validity. This led to the inaccurate information remaining on my credit report. 

Furthermore, despite having disputed this information and believing it had been corrected, I later discovered that the same erroneous entries were reinserted into my credit report, likely under a new furnishers name. This re-insertion of inaccurate information violates the protections set forth in the FCRA, which requires consumer reporting agencies to prevent such actions. 
Experians failure to notify me of the true results of my dispute and its failure to provide clear, consistent, and accurate information have had a significant negative impact on my ability to access credit, housing, and employment opportunities.

I am requesting that the CFPB investigate Experians practices and hold the company accountable for its violations of the FCRA, and ensure that my credit report is corrected and updated accordingly.
Product: Debt collection

A company called XXXX XXXX XXXX notified XXXX that it was trying to collect a debt on behalf of XXXX XXXX XXXX, where I have never had an account. I disputed this through XXXX XXXX and XXXX  removed the item on XXXX XXXX, XXXX. Now they are trying to collect this fraudulent debt again. I received a letter, dated XX/XX/XXXX, from AFNI Collections to collect the same debt from XXXX XXXX XXXX. On AFNI 's website I indicated that the debt was not mine and to send verification of the debt. I never received any verification. Today a derogatory mark from AFNI showed up in XXXX XXXX for XXXX. 

This has had a direct impact on me. When I tried to sign up for XXXX XXXX XXXX internet earlier this year, XXXX XXXX XXXX said I could not until the fraudulent debt was paid.
Product: Vehicle loan or lease

On XX/XX/XXXX I was in a car accident and my car was totaled the next day. I made my Car payment which was due on the XXXX to keep in Good standing. Then got the ball rolling with Insurance and XXXX my insurance company to get payment sent over. 

Then in the beginning Middle of XXXX I was give the the run around that my Insurance had not been in touch with Ally Financial the Lien-holder and that they were waiting a response, but XXXX had already sent a check with the Payment amount around 11,500 to help pay towards the loan. Then I log into my account a few days later at the end of XXXX that payment had been sent through and that I did not owe anything until XXXX of XXXX. 

Prior to XXXX and XXXX, Ally would always send a notice a couple days ahead of Payment being due I always got a notice that a payment was coming and I need to pay it off. After the Insurance check went through and I had been in contact with Ally multiple times from XXXX through XXXX about keeping my account in good standing and ensuring I didnt owe anything or that I made sure my account showed that I was in an accident and it was a total loss. I am told at the beginning of XXXX that they didnt know I was in an accident or that my car was totaled. They at that point also did not tell me that I owed any missing payment or a payment was due. Then it took them two months to get moving with my GAP insurance and GAP did not issue a Check until XXXX. I got a Notice at the beginning of XXXX that all of a Sudden I owed {$1600.00} plus dollars and that my account was in collections because no one had communicated to me, I did not have any notices of my account missing any payments, but that I owed {$1600.00} something dollars. 

My credit has been shot and I am in the process of building a house. I need help getting this fixed for the urgent future please and thank you
Product: Credit reporting or other personal consumer reports

I am seeing that an inquiry is on my credit report for XXXX XXXX XXXX XXXX XXXX . I have not applied for any credit cards with this financial institution. I have also filed with identitytheft.gov. please remove this fraudulent inquiry. this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit file and I noticed that there are addresses that do not belong to me and several other accounts information that is not correct. On or around XXXX or XX/XX/2020 I had a few late payments from the following companies : XXXX  XXXX XXXX ( COVID ) XXXX XXXX XXXX ( COVID ) XXXX XXXX  XXXX XXXX ( XXXX ) DEPT OF EDXXXX XXXX ( COVID ) I have a few accounts that are showing me XXXX days late and at the time my income was affected by the Pandemic shut down. I am aware that the CARESACT was allowing for consumer protection under the CARES act with creditors offering accommodations. I have on paid on my accounts are showing late pay I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile. 
The following addresses are not correct and do not belong to me please delete : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM ******** 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/year>
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately they informed me that recovering lost funds impossible and that tracking these transactions was infeasible the CFPB finding indicated that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system leaving users vulnerable to a scam
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to TRANSUNION that the listed institutions ATTACHED in the notice have not conformed and are currently reporting in non-compliance with the following Gramm Leach Bliley Act. I never received the required Privacy Notices from these corporations that XXXX is reporting on my consumer report. By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation, are infringing on my unalienable rights to privacy and damaging my credit worthiness.

Also, I did not give any " credit bureau '' corporation permission to report any late payments and negative items to my report. TRANSUNION is a third party corporation and I did not give TRANSUNION permission or authority to use or communicate my information with any third parties under USC 1692c ( a ). TRANSUNION assembled a consumer report without my authority this is identity theft.
Product: Vehicle loan or lease

I have written and emailed Santander Consumer USA, THREE amount my car payment reporting late to All Three Credit Bureaus, for a total of 8 payments. Here are the dates of letters & emails that were sent ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This company is Notorious for not report on time, and not respond to communication with the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

5th attempt to correct thru you about Equifax who i contacted on 3 occasions before going thru you. let me say that when Equifax contacts me to inform me of there response im blocked from accessing there reports on there wensite and have yet to b able to access there answers 1st off 2 my credit report has not neen available nor updated since XX/XX/2019 but has been provided to creditors when ive requested for a loan on major purchase there providing information thats over a yr old and the information is not correct nor will or have they attempted to update it. please look into this or im filing suit. yove neglected my rights long enough. remove all neg info including all disputes ive had that you failed to address.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 60 days late payment on the dates XX/XX/2020. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

XX/XX/XXXX : -I received a letter stating that a judgment was filed against me for a car dispute with XXXX car rental. I had no prior knowledge about this judgment. This was the first time hearing about this " default judgment '' of {$1100.00}. I had rented a car from XXXX in XXXX and settled a dispute over a minor scratch on the rented vehicle. 

- As directed in the judgment letter, I contacted the lawyer using the number listed on the letter ( XXXX ) XXXX. The receptionist on the line seemed confused about my case number, and when requested to speak to XXXX XXXX XXXX I was transferred to XXXX XXXX, the Office XXXX. I asked XXXX XXXX how to confirm XXXX XXXX was a lawyer and she told me to " XXXX him ''. I also asked how to look up where this judgment was filed and she said she didn't know that information. She told me I had to pay or a judgment would be submitted. However, the letter indicates that a " default judgment was entered against [ me ] in favor of our XXXX XXXX, XXXX in the amount of {$1100.00} ''. She requested I pay over the phone or send a check or money order. If I paid over the phone I would have to record my credit card number. I was unsure at this point if this was a scam so I said I would send a check in a month. 

- After this call, I located XXXX XXXX XXXX 's bar association number and contact information. I called him to confirm he had filed a judgment against me or would if I didn't pay. During our conversation, he said that had received multiple calls about similar judgment letters, that he was not associated with the contact information listed on the address, and that this company was using his name without his permission on these judgment letters. I emailed him the judgment letter on XX/XX/XXXX to confirm he is not associated with the " case ''. He responded on XX/XX/XXXX stating there is no judgment " as far as he knows '' against me and that he requested the judgment file from the office XXXX XXXX is associated with. He also directed me to ignore the letter until this can be confirmed. 

- Using the legal support team through my employer, I explained the aforementioned events. I was advised not to pay and to check my credit to ensure no judgments had been filed against me and to file a fraud report. 

- I checked my credit report with the XXXX credit bureaus to confirm a judgment was not filed against me. As of XX/XX/XXXX, no judgments have been filed against me as reported by the XXXX credit bureaus. 

XX/XX/XXXX : - I was contacted by the email from XXXX XXXX from the email address XXXX on XX/XX/XXXX. The email requested the full amount and was signed by XXXX XXXX and stated they previously called me to collect this money.