23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Ive filed several disputes to remove this item from my credit stating it was from identity theft even sent in a ftc report along with police report and a copy of my id and they keep saying its verified accurate transunion an XXXX are giving me such a hard time with this account ( regional acceptance ) last dispute with report and ftc report was on XX/XX/ in with they have closed and Ive had to file yet another one XXXX removed the items on my police report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The Listed account below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX acct : XXXX has violated my rights. 

15 U.S.C. 1681 selection 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, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
The details of the disputed account are as follows : Creditor Name : XXXXXXXX XXXX Account Number : XXXX Collection Amount : {$620.00} Date of First Delinquency : XX/XX/XXXX Date of Collection Report : XX/XX/XXXX I am writing to dispute the collection account referenced above, which appears on my credit report. I am a victim of identity theft, and this account is not mine. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information on my credit report and request its removal if it can not be verified. The account in question was opened fraudulently using my personal information without my knowledge or consent. 

Upon contacting the collection agency to dispute this account, I was informed that they have the incorrect name associated with the account. Despite this acknowledgment, the collection account continues to appear on my credit report, causing significant harm to my creditworthiness. 
In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate information on my credit report and have it corrected or removed if it can not be verified. The collection agency 's failure to correct this error and the continued presence of this incorrect information on my credit report is a clear violation of my rights under the FCRA. 


The details of the disputed account are as follows : Creditor Name : XXXXXXXX XXXX  Account Number : XXXX Collection Amount : {$620.00} Date of First Delinquency : XX/XX/XXXX Date of Collection Report : XX/XX/XXXX I request that you : 1. Conduct an investigation into this matter.

2. Remove this fraudulent collection account from my credit report immediately.

3. Cease all collection activities related to this account.

4. Provide written confirmation that the account has been removed from my credit report.

I am requesting the Consumer Financial Protection Bureau 's assistance in investigating this matter and ensuring that the collection agency and the credit reporting agencies comply with their obligations under the FCRA. This inaccurate information must be removed from my credit report promptly.

Please investigate this matter and instruct the collection agency and the credit reporting agencies to remove the incorrectly associated collection account from my credit report. I request a written confirmation once the investigation is complete and the account has been removed. 

Thank you for your assistance in resolving this matter.
Product: Credit card

I am writing to formally dispute an incorrect late payment that has been reported on my credit report by Dillard 's. The reported late payment is inaccurate because the statement was sent to an incorrect address.

Here is a summary of the situation : The statement for my account was mistakenly sent to the wrong address.

Upon noticing the issue, I immediately contacted Dillard 's and informed them that the address on file was incorrect.

Despite my notification, Dillard 's reported the payment as late to the credit bureaus, even though I had not received the statement in time to make the payment.

This late payment was not due to any fault of mine, but rather due to Dillard 's failure to send the statement to the correct address. As a result, I respectfully request that the CFPB assist in resolving this matter by removing the late payment from my credit report and correcting the associated record. 

Please let me know if you require any additional information or documentation to assist in your investigation. I would appreciate your prompt attention to this matter. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes, CFPB I am filing this complaint for myself. I know that you all are good at trying to use a stall tactic thinking a consumer has had a third-party company help them with their complaint. But Naw I know my rights and have read about the laws sorry that I have common sense to help myself with such matter. On XX/XX/2022, I submitted a letter to Equifax and proof of the inaccuracies on my credit report and have yet to hear anything from them. I have seen on the credit monitoring service that I used that all they did was change one month of a late payment to another. I want them to provide me proof of who they verified this account with and what method was used. I have made Equifax aware on numerous occasions that I do not consent to their e-Oscar or any other type of automated methods for investigations. Today is XXXX XXXX and nothing. Equifax has violated my rights as a consumer to verify my account with honesty and they have failed to do so. This account has several violations and inaccuracies, and the proof is going to be added with this complaint for deletions due to FDCPA XXXXion 807 Violation Misleading False Reporting and also not being in compliance with METRO 2. I need this account to be deleted immediately.
Product: Debt collection

am disputing an alleged debt of {$440.00} reported by XXXX XXXX XXXX ( XXXX  ) and originating from XXXX XXXX  ( PayPal XXXX  ). The claims related to this debt are inaccurate and unverifiable based on the following : Unrecognized PayPal XXXX  Accounts : XXXX linked the debt to two PayPal XXXX account numbers ( ending in XXXX and XXXX ) that I have never opened or authorized. 
I have had a PayPal account for XXXX  years, tied to my email address, but I have never had a PayPal XXXX account with digital account numbers as claimed. 
Positive Balance and Payment History : On XX/XX/year>, I received a XXXX payment of {$910.00}, which should have fully covered any outstanding balances. 
I maintain that my account had a positive balance, leaving no possibility of owing money. Despite this, XXXX XXXX  issued a statement for {$160.00} in XX/XX/year> without explanation. 
No Grammarly Purchase in History : XXXX  claims the debt includes a XXXX  purchase in XXXX, yet : My PayPal transaction history shows no such purchase. 
My XXXX  subscription was canceled on XX/XX/year>, as confirmed in an email from XXXX. 
Documents provided on XXXX 's website under this case show no transaction history for a XXXX purchase. 
Request for Validation Ignored : I have contacted XXXX XXXX  and XXXX  multiple times to request validation of the debt, including : Proof that I authorized the PayPal XXXX  accounts tied to the alleged debt. 
A full transaction history and explanation of how the {$440.00} balance was calculated. 
Confirmation of whether PayPal itself was consulted during this investigation. 
To date, neither XXXX XXXX  nor XXXX  has provided adequate validation of this debt. XXXX continues to report this collection to credit bureaus, harming my credit score, and has made repeated unauthorized credit inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that my information is being misused and reported as inaccurate and I am filing this complaint to EQUIFAX. In my credit report from XX/XX/2023, I found some derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity and also unauthorized inquiries .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the below accounts has violated my rights. : XXXX, ACCT # XXXX XXXX XXXX, ACCT XXXX XXXXXXXX XXXX XXXX XXXX, ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX, ACCT # XXXXXXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX XXXX, ACCT # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

My two student loans with AES are reporting late in XXXX of 2020 on my credit report. I pulled my payment history snd show a {$190.00} payment on XXXX 1,2020 and another {$200.00} payment XXXX XXXX,2020 and a {$270.00} payment on XXXX XXXX2020 which means there is no way I could be 60 days late on this as I made 2 double payments within those 60 days. I would like this removed from my credit report and updated to on time please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed I had 13 accounts on my credit report that didnt have any company information. I reached out to Equifax and asked them about it, could they remove it. The second thing is I have court documentation I have opened disputes in XXXX for XXXX XXXX XXXX and XXXX XXXX XXXX concerning I also submitted the court documentation that the judge has dismissed both cases, and the Equifax representative said they would not take the documentation. Every time I call I get somebody in XXXX and I dont feel comfortable talking to someone in XXXX, so when I asked to speak to someone in the States, they get offended sometimes. The reason I asked is because of the Equifax breach, I have been constantly getting scam calls that I have a virus on my computer, or I got approved for a loan and theres no virus on my computer because I work for XXXX and my computer is monitored. Because of this breach, it has greatly caused XXXX and I have to spend money for ID protection software, credit monitoring software, I just today XX/XX/XXXX paid for the Equifax premier class subscription to monitor my credit because of the breach. Im trying to repair my credit so I can purchase a house for my family. Also i sent over court records of accounts that was dismissed by a judge. Equifax and XXXX did not take the court document. Even in the last complaint the only thing they did was open a dispute a
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particular in light of the recent CFPB lawsuit highlight 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. This can lead users vulnerable to scams. This lack of accountability is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of a sudden I have no experian credit score. It went from XXXX on XXXX to XXXX. Experian website says I dont have credit and no one is reporting anymore. I called my creditors and they said they are. I had to email experian because they dont let you talk to people. Explained my situation and asked them to call me to discuss. They emailed me back and said try their website for answers and they dont call people. 
I was in the process of getting a home loan and now I cant because I dont show a score now. I did when I first applied for the loan in XXXX. 

This is very poor service from a company people depend on for credit.
Product: Debt collection

The company contacted me and left a message instructing me or my legal counsel to contact them immediately. I have not received any written correspondence about debt from this company, and they did not identify the phone call as an attempt to collect a debt. To my knowledge and according to my credit report as of XX/XX/2020 I do not owe any debt in collections or otherwise. The company, Compass Recovery Group, has a number of complaints on the XXXX XXXX XXXX detailing my exact scenario, with other people confirming they insinuated they'd be sued/imprisoned for not paying the unvalidated or already paid debt. They have also had people call consumers from an unlisted number, thus rendering it untraceable, to pretending to be process servers coming to serve papers at either their residence or job. Further, they have called me daily multiple times a day from various spoofed numbers from area codes in my state attempting to get me to call their ( XXXX number which is linked to an unverifiable location in XXXX, New York.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$1800.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting

i took a look in my experian credit report and i saw that there was a XXXX account XXXX and my report that did not belong to me. so i send a certified letter on XX/XX/2016 to them asking to validate this account that they claim belongs to me.it is now XX/XX/XXXX i never received anything from them stating that this account belongs to me. they are in violation of the fair credit reporting act. they fail to provide me with a contract bearing my signature and marking my credit report disputed by consumer within the 30 day time frame and should be removed
Product: Student loan

The following statement cites and corresponds with a previous report filed against Navient Solutions , Inc. as of XXXX XXXX, 2016. The issues that will be addressed are in regards to the inaccuracies of Navient 's online account information, and the conflict of information and instruction to clientele between company representatives and paper documentation. 

Navient Solutions , Inc. is requiring three qualifying payments to be made in order to qualify for the Rate Reduction Program. " The Rate Reduction Program you were approved for requires three qualifying payments to be made before you are officially enrolled into the program. Your third qualifying payment is scheduled to post on XXXX XXXX, 2016. '' Recent phone calls from representative XXXX XXXX of the Collections Department of Navient Solutions , Inc. have instructed that these three qualifying payments are set to the amount of {$350.00}, with the program to be successfully initiated after the third qualifying payment, which was recently posted on XXXX XXXX, 2016. A phone call with XXXX XXXX at XXXX has confirmed that the third qualifying payment, as before, is the amount reflected in the Rate Reduction Program. Documentation also states that three qualifying payments are required before the Rate Reducton Program is scheduled to process, though no further information is stated to constitute or define the exact specifications qualifying payment. 

Conflict of interest is also revealed in the recent response made by Navient Solutions , Inc., in reference to to previous Case Number XXXX : " It is important to note that your enrollment into the Auto Pay Program is not set to begin until XXXX XXXX, 2016 when you have successfully completed enrollment into the Rate Reduction Program. The three qualifying payments you had set up over the phone on XXXX XXXX, 2016 for enrollment into the Rate Reduction Program are recurring payments and not payments initiated under the Auto Pay Program. '' This information does not provide clarification for the current conflict of the correct payment amount, which has been previously agreed by both parties to be set to {$350.00} for three qualifying payments. " You qualified for a reduced interest rate of 7.00 percent under the program, which would reduce your monthly payment from {$430.00} to {$350.00} under the program. The Rate Reduction Program requires three qualifying payments to be made for the modified payment amount before your loan is officially enrolled into the program. Your third qualifying payment is scheduled for XXXX XXXX, 2016. Assuming the payment clears, you will then officially be enrolled into the program retroactively, effective from the date you were initially approved for the program. ''
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Debt collection

I received a copy of my credit report and found inaccurate information.
Product: Debt collection

I am a victim of identify theft and doing my best on keeping my credit out of danger. Many police reports and documents have been certified mailed to all three credit bureaus. XXXX, XXXX and XXXX. However, I have not seen any results or action has been taking place to immediate disputes status on my claim. Dates and the amounts in the police report.
Product: Debt collection

l am writing to you in regards to the debt collection activities being conducted by your company, regarding the alleged debt. This letter serves as a formal demand for you to immediately cease and desist all communication with me regarding this debt. I dispute the validity of the alleged debt. I insist that you refrain from any further communication with me, including but not limited to phone calls, letters, emails, or any other form of communication. Please take note of the following : 1. Cease and desist all communication with me regarding the alleged debt. 2. Do not contact me at my residence, workplace, or any other location.

3. Do not contact any of my family members, friends, or associates in relation to this debt. 4.

Do not report this alleged debt to any credit reporting agencies. Failure to comply with this cease and desist demand will be considered a violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. I will not hesitate to take legal action to protect my rights and seek remedies available to me under the law. Please be aware that this letter is not an acknowledgment or admission of any liability for the alleged debt. It is solely a request for you to cease all communication until the debt 's validity is proven. I expect your immediate attention to this matter and a written confirmation that you have complied with my demands. Thank you for your prompt attention to this matter.