23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an ongoing issue that I am having with Equifax. I am the victim of identity theft and I am disputing the hard pulls on my credit report that I did not authorized. There are 4 hard credit inquires on my credit report which I did not authorized, and these are fraudulent inquires. There are two inquires for XXXX date XXXX XXXX, XXXX, and XXXX XXXX. Also there is an inquiry for XXXX XXXX date XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX dated XXXX XXXX, XXXX. These inquiries are fraudulent, and I did not authorized these inquiries. I disputes these items with Equifax and yet Equifax failed to properly investigate these fraudulent inquiries. Just as recent as XXXX/XXXX/XXXX I disputed these inquiries that are reporting on my Equifax credit report with Equifax and I was provided a dispute number XXXX, the next day XXXX/XXXX/XXXX I received and email form Equifax stating that their investigation is complete. Now you tell me how is it that these items were investigated in less than 24 hours. Prior to that date I disputed them and its the same issue going on. Now Equifax is suppose to completely investigate these and they have not done so. I want these item properly investigated and remove from my credit report because I did not authorized these.
Product: Debt collection

My name is XXXX XXXX, and I am writing to file a formal complaint against LVNV Funding LLC regarding their collection practices related to an alleged debt, which I believe are in violation of several consumer protection laws. 

LVNV Funding LLC is attempting to collect a debt that has passed the statute of limitations to collect debt in the state of Texas. This law is found in Section 16.004 of the Texas Civil Practice and Remedies Code. 

1. 12 CFR 1006.34 ( b ) ( 5 ) : LVNV Funding LLC has failed to provide clear and accurate information about the consumer 's right to dispute the debt within the required timeframe. The initial communication did not adequately inform me of my rights to request verification of the debt. 

2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : The collection notice sent by LVNV Funding LLC did not include the name and address of the original creditor, which is a requirement under this provision. This omission has left me unable to verify the authenticity of the debt. 

3. 12 CFR 1006.34 ( d ) : The information provided in the collection communication was overshadowed and was inconsistent with my rights to dispute the debt or request the name and address of the original creditor. This caused confusion and concern about my legal rights and the validity of the debt. 

4. 15 USC 1681s-2 ( 7 ) ( A ) : LVNV Funding LLC has not ensured the accuracy and completeness of the information reported to the credit bureaus. They continue to report inaccurate and unverifiable information, which has negatively impacted my credit report and financial standing. 

Collection Agency : LVNV Funding LLC Account Number : XXXX Account Opened : XX/XX/2019 Amount of Debt : {$640.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It is fact that I, the affiant, have tried to resolve this matter on numerous occasions dating back to XX/XX/XXXX with XXXX XXXX XXXX. They have continued to violate my consumer rights using my consumer credit to harass me for a total of {$5900.00} as well as blackmailing me stating they would harm my reputation if I did not comply which is illegal under 15 USC 1691 ( A ) ( 2 ) ( B ), 15 USC 1692J, 15 USC 1602 ( P ), 15 USC 1692B ( 2 ), 18 USC 873, and 15 USC 1692d. I have also asked them to produce the original instrument in which I have signed for this alleged debt and they could not provide it. I was recently informed that they have closed and sold my account to another debt collector, Ed FinanciaXXXX, being in violation of 18 USC 798, 15 USC 1692c, 15 USC 1692D ( 4 ). I have tried to handle this with Ed Financial on the dates of 11/18/21 and 12/13/21. They continue to violate me with their negligent and willful behavior which has not only damaged my reputation with loan balances and late payments, causing not only my credit to be denied, but also made me lose income, caused mental anguish, and XXXX inhibiting my ability to properly take care on my baby
Product: Credit reporting, credit repair services, or other personal consumer reports

Per company 's response to complaiint on XX/XX/XXXX # XXXX, Experian stated in its findings : " your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. '' Therefore, Experian did not even investigate or look into this complaint at all! 
This allegation is not only preposterous but does adding insult to credit injury! The preponderance of evidence prove that this complaint was composed and submitted by me. The fact that Experian submitted a report # XXXX regarding my credit report is proof that Experian certainly knows who I am as a complainant in this matter. Therefore, I re-submit my complaint as follows : The following are inaccurate and incorrect account reports on my Experian credit report : 1. The XXXX XXXX report that states that I was 30 days late in XXXX & XXXX XXXX. This is not correct and it is inaccurate! I maintained my payments with XXXX XXXX even when I was part-time employed and called to make arrangements in the case of any financial hardships but it was not a 30 days past due. 2. On the XXXX account, I contend that I was not 30-days past due in XXXX, XXXX. XXXX. XXXX account is incorrect ; it indicates that I was 30-days past due in XXXX, XXXX, XXXX and XX/XX/XXXX. I contend that this information is incorrect. 5. XXXX XXXX XXXX account states that I was 30-days past due XXXX thru XXXX, XXXX. I assert that this information is inaccurate. 6. XXXX XXXX ; I am not familiar with this account. ( If account is tied to XXXX XXXX, then I this account should be marked as PAID/SETTLED. 7. XXXX   account states that I was 30-days past due XXXX, XXXX XXXX, XXXX. I state that this information is inaccurate and incorrect. I have a payment agreement with Target that dates back to XX/XX/XXXX. ( See attached payment arrangement ). In addition, I made on-time payments for the months of XXXX thru XXXX, XXXX. Although I complied with the payment arrangement XXXX not only reported to the credit bureaus that I had not paid, but continued to add interest and late charges. I have attached a copy of XXXX and XX/XX/XXXX payments to this complaint. Therefore, I contend that the inaccurate, and unfair information contained in my credit report by this agency is in violation of the Fair Credit Reporting Act, 15 U.S.C., Section 1681. In addition, I state that Section 4021 of the Coronavirous Aid, Relief, and Economic Security ( CARES ) Act, XX/XX/XXXX, " furnishers must report credit information for consumers receiving an accommodation during the " covered period ''. XXXX XXXX email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on XX/XX/2021 about some negative accounts that I need them to investigate. It's been over 60 days since I send them the letter which I attached with this complaint along with my ID. I know that under the Federal Credit Reporting Act they need to complete their investigation in 30 days.
Product: Debt collection

On X/X/2017 at XXXX and XXXX, a representative, 'XXXX. XXXX ', with FirstPoint Resources disclosed nonpublic personal information regarding a debt of mine without verifying who she was speaking with. On both phone calls, the representative disclosed my name, address, amount of debt, and original debtor without verifying who she was disclosing that information too. Luckily for me, I was the one on the other end of the phone call in both situations ; however, that information could easily be in the hands of someone else for identify theft purposes now which is a major concern.
Product: Credit reporting or other personal consumer reports

It has come to light that you are not removing the records, despite my submission of the FTC report. As required by Regulation 605b of the FCRA, I am sending this complaint to help establish a formal response. If you choose not to remove the items listed below, which are inaccurately reported due to fraud, I will turn over my documentation to my attorney to initiate legal action. My intent is to avoid any legal proceedings, so I urge you to comply with the law promptly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXXXXXX Balance : {$5000.00} XXXX XXXX Balance : {$1600.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$5800.00} XXXX XXXX  XXXX XXXX : {$5000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

Discover Credit Card Ending in # XXXX I am writing to bring to your attention certain provisions under the United States Code, specifically under XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX ) ( B ), which govern the treatment of payments on credit card accounts under open-end consumer credit arrangements and the issuance of XXXX forms for charged off accounts. 

Firstly, under XXXX XXXX XXXX, a creditor is prohibited from treating a payment on a credit card account as late for any purpose. As such, I request that my account status and payment history be updated to reflect Paid as Agreed and to remove all negative inquiries and late payments immediately. 

Secondly, under XXXX XXXX XXXX ( XXXX ) ( B ), I have not received a XXXX form for the charged off accounts in question. Failure to provide this form is a violation of federal law and constitutes fraudulent activity on the part of the creditor. Therefore, I request that the charged off accounts be updated to Paid as Agreed and any negative items associated with these accounts be removed immediately. 

It is imperative that my credit report accurately reflects the lawful status of my accounts and the payments I have made. I trust that you will take prompt action to rectify these matters and update my credit report accordingly.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, PA XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX, ] [ XXXX, MI XXXX ] Subject : Demand to Comply with 15 USC 1692g ( a ) in Regards to Collections Dear [ XXXX XXXX XXXX ], I am writing to express my concerns and demand compliance with the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g ( a ). As a consumer, I am well aware of my rights under this statute, and I am exercising my right to request validation of the alleged debt you are attempting to collect.

Under 15 USC 1692g ( a ), a debt collector is required to provide me with written validation of the debt within five days of their initial communication regarding the debt. This validation should include : 1. The amount of the debt 2. The name of the original creditor 3. A statement that if I dispute the debt within 30 days, the debt collector will provide me with verification of the debt 4. A statement that if I request the name and address of the original creditor within 30 days, the debt collector will provide me with such information I am formally requesting that you provide me with the aforementioned information within the time frame stipulated by law. Failure to comply with this request may result in legal action to protect my rights under the FDCPA.

Please communicate with me exclusively in writing moving forward, and I kindly request that you cease any and all communication regarding this alleged debt until the required validation is provided.

I expect full cooperation and prompt action in accordance with the law. If I do not receive the requested information within the stipulated time frame, I will have no choice but to take appropriate legal steps to ensure my rights are upheld. 

Sincerely, [ XXXX XXXX ]
Product: Credit card

I am writing to formally request that you update my accounts status with the credit reporting agencies to reflect the full and final settlement of my debt. I settled my accounts with you under the terms of our agreement, and my payments were made on XXXX. However, my credit report has not been updated to reflect this. 

As per the Fair Credit Reporting Act ( FCRA ), creditors and collection agencies are required to report accurate and timely information to the credit bureaus. Since I have fulfilled my obligations under our settlement agreement, I kindly request that you update my account as Settled or Paid as Agreed ( whichever applies ) with the credit bureaus. 

Please provide written confirmation once this update has been submitted. If you require any additional information or documentation, please contact me at your earliest convenience. 

I appreciate your prompt attention to this matter and look forward to your confirmation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX changed from XXXXXXXX XXXX XXXX XXXX. Since that time there have been several internal errors that resulted in lates on my account ( number ending in XXXX ). 

My payments were automatically deducted from my bank account. But during their change over, in XXXXXXXX XXXX XXXXXXXX, they did not remover the payment until AFTER the due date. 

In XXXXXXXX XXXX XXXXXXXX, I contacted the bank BEFORE my due date and they agreed to defer three payments on the account due to covid. Once again, they did not put this on the account properly and a third late payment was posted. 

Finally, in XXXXXXXX XXXX XXXXXXXX, the bank raised my escrow amount but failed to notify me. This left my automatically deducted payment, {$500.00} short and resulted in another late payment reported. This was NOT my error. 

I have spoken to XXXX XXXX in the banks ' accounting and reporting department along with a supervisor ( first name XXXX ). They agreed to remove these delinquencies from XX/XX/XXXX, XX/XX/XXXX and XXXXXXXX XXXX XXXXXXXX ... but apparently updating on their system does not update the bureau records. 

Please remove these three delinquencies from my record from XXXXXXXX XXXX or delete this item from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act, DeptEd/XXXX XXXX XXXX XXXX XXXX DeptEd/XXXX XXXX XXXX XXXX XXXX DeptEdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEPT ED # XXXX ( XXXX ) US DEPT ED # XXXX ( XXXX ) US DEPT ED # XXXX ( XXXX ) Have violated my rights.

15 U.S.C 1681 section 602 A, states I have a right to privacy.

15 U.S. C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish my account without my written permission. 


XX/XX/XXXX I sent a letter to all XXXX XXXX Equifax advising them of inaccuracies concerning XXXX accounts, outlining the inaccurate information being reported and that I wanted them deleted. 
XX/XX/XXXX I sent another letter to XXXX XXXX Equifax stating the same things, inaccurate information being reported and to please delete. 
XX/XX/XXXX I sent another letter to XXXX XXXX Equifax stating the same thing. And as of XX/XX/XXXX these accounts are still being reported. 

Account numbers are : DeptEd/XXXX XXXX XXXX XXXX XXXX DeptEd/XXXX XXXX XXXX XXXX XXXX DeptEd/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent a letter to all three bureaus about inaccurate information that was outlined in the letter regarding : XXXX XXXX XXXX XXXX XXXX asking them to delete the account. It is still being reported inaccurately. 

XX/XX/XXXX I sent a letter to all three bureaus detailing the inaccuracies and the violations on these XXXX accounts : US DEPT ED # XXXX ( XXXX ) US DEPT ED # XXXX ( XXXX ) US DEPT ED # XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent another letter to the XXXX bureaus detailing the inaccuracies and violations that are being reported. Along with this letter I sent a letter from XXXX forgiving my student loans and asked them to put paid and change or delete the comments. These still show inaccuracies in my report. 

XX/XX/XXXX I sent a letter to XXXX asking them to delete these XXXX inquiries because they do not have a permissible purpose for reporting and that I was not given a firm offer of credit and its neither for employment, court order or insurance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent a letter to XXXX asking them to delete these XXXX inquiries because they do not have a permissible purpose for reporting ; I was not given a firm offer of credit and it is neither for employment, court ordered or insurance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These XXXX inquiries are still being reported on my credit report. 

I have requested on several different occasions that they make the proper corrections and after XXXX XXXX XXXX XXXX years, they reporting the same inaccurate information that is preventing me from buying a house or getting a good car loan. 

I will be uploading all the letters and screenshots in the order presented in this letter. 

Thank you and have a most excellent day. 

XXXX XXXX
Product: Debt collection

I had a medical bill from XXXX. I received a few bills from them but then they stopped - i figured my insurance accepted the bill. I have not received any bill since XXXX and I've never rec 'd a bill from commonwealth financial before. I found out it went to collections when it showed up on my credit. After I disputed with credit company they sent me a bill. How can you go 5 years not reporting to credit company for a debt and then report it to credit with no new bill. Ive been at the same address for going on 2 years now. Nothing from them until today XX/XX/XXXX. The debt is from XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express concerns regarding ZELLE 's handling of disputes, particularly in light of the 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 was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that ZELLE has not only allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Investigate the following files below, the police report is attached to the files. Along with proof of address. I would like to be proven that the account belongs to me. I would also like for the accounts to be removed an a updated report be mailed to me please.
Product: Debt collection

I was reviewing my credit when I seen a derogatory mark on my file impacting my score. 

Im unaware of this debt since I was not made aware of any notices sent out to me.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 RE : Social Security Number : XXXX To Whom It May Concern : I XXXX XXXX XXXXXXXX, A real human being in the flesh mind body and soul writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXXXXXX XXXX XXXXXXXX XXXX. My Address : XXXX XXXXXXXX XXXX XXXX Tennessee XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Page 26 | 43 Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX, Tennessee XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Enclosed XXXX copy of State ID and Utility bill showing proof of address SEE ATTACHMENTS!
Product: Checking or savings account

I received a bank statement from Bank of America. I never opened a Bank of America account. I called customer service and was told they closed the unauthorized account and flagged it for fraud.
Product: Credit reporting 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXXXXXX XXXX : {$340000.00} XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXXXXXX XXXX XXXX XXXX : {$330000.00} XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX Balance : {$340000.00} XXXX XXXX XXXX Balance : {$19000.00}
Product: Money transfer, virtual currency, or money service

My zelle account was blocked and im not allowed to reopen it due to someone trying to commit fraud on my account and me being the one blamed for it when in reality it was someone else trying to scam me
Product: Credit reporting

Equifax is reporting XXXX account number XXXX which is a fraudulent account which belongs to XXXX XXXX, not XXXX XXXX. I am attaching a letter from XXXX XXXX acknowledging the debt is hers. I am attaching my XXXX XXXX mortgage document for my previous residence of XXXX XXXX XXXX XXXX , which has my signature and the date in which I resided there. I am attaching my property tax document for my current address which shows the date in which I started residing at my current property XXXX XXXX XXXX XXXX. I have resided between the XXXX and my current XXXX XXXX XXXX XXXX residence exceeding 15 years. I did not have any affiliation with the address on the XXXX application, DID NOT SIGN and was not aware until seeing on my credit report. I have also attached an incident report from the XXXX XXXX PD. Also, I ask that I please have an extended fraud alert applied if not already there, I know I had one. I am attaching XXXX XXXX application page with the fraudulent signature which can be compared with my XXXX XXXX 's mortgage page.