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

In XX/XX/XXXX, I reached out Acima to ask questions concerning a disturbing hit on my credit report concerning the purchase of a bed, that I had no clue in regards to this purchase! This company stated I did an over the phone settlement in which that was not true bc I have been fighting legally to remove items that where and have been removed due to proof of these items not being mine! During this time, I was not living at this residence! I moved out XX/XX/XXXX right after the delivery of my XXXX! Neither did they speak to me, my exhusband was living at this address along with his companion. On XX/XX/XXXX I received an UNSIGNED contract from ACIMA.I have vehemently asked ACIMA for a voice recording to verify my voice and a signed contract bearing my signature in which they have not provided either! I have gone to the sir named furniture company which is under New Management to ask for a secured contract and they had no clue and could not present me one!!! I have disputed this through XXXX for a consecutive 7 months and they repeatedly continue to update it after I have sent them the contract bearing no signature! In my research, according to the Fair Credit Reporting Act, if there is a significant proof of my signature this has to be removed if not given in 30 days and its been 7 months! Please I am asking for your reinforcement and assistance with removing this from my credit report! I dont have bad credit at all, I am integral concerning debt! Please assist me! I believe that XXXX is not taking the tone to research my dispute but have repeatedly ran my letters through the processor of scanning letters and has not taken the proper and integral steps according to the Fair Credit Reporting Act and the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure requested. Every month they and ACIMA are in contempt of the 30 day required timeline to supply proof with my signature. I am trying to purchase a home and this is a derogatory and Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}, {$0.00}, {$1600.00}, {$820.00}, {$4000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$820.00} -This is not my account. 

5. MXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 


-- AUTO LOANS OR LEASES 6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a dispute letter to trans union XX/XX/XXXX and they received the dispute XX/XX/2023 I asked of them to foster any information that can not be property verified due to me being a victim of identity theft also with the request a police report and identity affidavit was sent along with my identification, I recourses a letter from trans union XXXX XXXX starting that the accounts came back verified and accurate when how so if they did not send any proof of how they validated any debt anything from the original debt collect or a valid signature. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - all accounts vou post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. 
Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX applied for an apartment at the residence at XXXX in XXXX ct. I paid {$500.00} for them to hold the apartment and run credit backround check. They used a company called Resident Verify to run my information. That's when I found out I wasn't accepted because of some negativity on my public record that was not updated and things that weren't true cause, I was never evicted and I always paid what I owed. 
I later went to XXXX XXXX XXXX to get a nycha lawyer to file a satisfaction of judgment on my behalf. Cause there were false statements in my report. Once I received the satisfaction of judgment letter I called Resident Rerify to inform them of the letter that I have, they then said that letter is not enough they need to see that the information is out of the system. I am still presently working on that. But in the meantime I may loose my section 8.
Product: Credit reporting, credit repair services, or other personal consumer reports

had a account with XXXX XXXX  and they had a program with wells fargo and XXXX XXXX dropped the program and for some reason that program closed which i still paying on with wells fargo it have but a big effect on my credit report cause it closed and now it looking like im not even paying on it
Product: Credit reporting or other personal consumer reports

Equifax, XXXX, and XXXX have been reporting inaccuracies in their information. 
I have filed a Federal Complaint Case # XXXX in the Central District Court XXXX
Product: Debt collection

Subject : Debt Validation Request Dear CFPB I am writing to request validation of a debt as provided under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). I recently received a communication regarding an alleged debt, and I wish to verify its legitimacy. XXXX. XXXX XXXX XXXX Acct # XXXX XXXX. **Amount of Debt : ** [ XXXX ] XXXX. **Date of First Delinquency ( if known ) : XXXX. XXXX XXXX XXXX Acct # XXXX XXXX. **Amount of Debt : ** [ XXXX ] XXXX. **Date of First Delinquency ( if known ) : XXXX. DEPT OF ED/XXXX XXXX. **Amount of Debt : ** [ XXXX ] XXXX. **Date of First Delinquency ( if known ) XXXX XXXX. DEPT OF EDXXXX XXXX. **Amount of Debt : ** [ XXXX ] XXXX. **Date of First Delinquency ( if known ) XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle is handling of disputes particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times gon na And reporting discrepancies, My financial institution and Zelle fail to investigate my claims adequately. I was informed that recovering lost funds was nearly impossible. And tracking these transactions were unfeasible.The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but also has allowed repeat offenders to exploit the system, leaving userss vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit card or prepaid card

I saw in the news about bofa getting penalized for issues including mine, which was the alaska airlines promotional miles spending requirement for miles. I spent many phone calls, emails, and even had my financial advisor with Merrill Lynch, a bofa company, to help with no resolution, not even a partial awarding of reward miles. 

In XX/XX/2018 I signed up for the card. The night I researched, I was finding two offers-one had a XXXX spend requirement with XXXX bonus miles, the other XXXX spend requirement XXXX bonus miles. When I went to apply I could only get the XXXX to go through, and I noted that XXXX needed to be spent. I ended up spending about XXXX in the first 3 months and noticed 4-5 months later I never got miles. I emailed bofa to inquire and got a denial. Then, I called and spend 2 hours going back and forth between bofa and alaska with no solution. The biggest issue I had was that nobody could provide evidence of the spending requirement I had signed for. They said I was supposed to have XXXX spent but my statements and any documents in my account did not provide information about that. 

I went back and found that in XX/XX/2018 that transitioned the promotional offer from the XXXX miles, XXXX requirement to the XXXX miles, XXXX requirement. Even the lady from bofa I spoke with agreed that their system and coordination with alaska was glitchy and there was a chance that their system auto-booted me to the other promo offer on their end, but with no notification or information of me to be aware of this. 

The fact there was no proof of what my spending requirement was had me so frustrated. None of the papers sent in the mail had it either. It felt incredibly unfair to KNOW i signed the XXXX requirement, XXXX bonus online and spent XXXX shy of the XXXX they claimed I needed to ... and not even a partial awarding or small token was given. mind you, also being a preferred bofa member with merrill lynch I was shocked to be dismissed without consideration. 

I never got ONE bonus mile to my account after all of my investigating, calling etc. They couldn't provide evidence of the signed document I supposedly had and none of my statements showed progress toward the spending minimum. This felt shady, deceptive and non-transparent. Clearly, nearly 5 years later I'm still bitter and feel slighted by this situation. I've continued keeping this card the last 5 years because of it flying to my hometown, the free bags and companion fare and have racked up XXXX of my own miles in that time. 

Back then I was not able to login and find my original account documents and today I am also unable. The lack of clear communication/information is concerning, especially considering that I am a type A person, financially literate and I can only imagine the mess people get in that are not as savvy in situations like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person.XXXX XXXX also known as XXXX XXXXXXXX XXXX is in violation of 15 USC 1681 604 A section 2 in which i have NOT given written permission to furnish the account to any consumer reporting agencies.

Also, 15 U.S.C 1681 section 602 A states I have the right to privacy.
Product: Credit card or prepaid card

when making a online payment they require the routing number from either checking or savings, they will not allow any other method when making a payment by phone they charge {$10.00} per payment as a fee per payment. I refuse to give my routing number to anyone for obvious reasons and charging {$10.00} per payment via phone seems steep
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX XXXX for months.XXXX   and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Debt collection

The name of the company is Convergent Outsourcing. They constantly taunt and harass me about information they retrieved from the dark web. They claimed to have received my information from XXXX, this is false information. I spoke with a representative from XXXX and they have never heard from the company let alone given away my information. I asked the Convergent representative can I call XXXX on a recorded three way call they continued to decline. I requested to see a contract between XXXX and Convergent Outsourcing and they declined. This company has stolen my information from the dark web and I was warned by an alert on my XXXX account.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I mailed out my disputes to each of the credit reporting agencies requesting that validation of two collection accounts that appeared on my reports. I sent each dispute through USPS Certified mail with tracking and signature upon receipt. XXXX received my dispute on XX/XX/year> at XXXX XXXX according to the tracking. Experian received my dispute on XX/XX/year> XXXXXXXX XXXX according to the traciking. The Dispute that was mailed to XXXX was lost in the mail so I sent out a new dispute on XX/XX/year> also using certified mail and that dispute was received on XX/XX/year> at XXXX according to USPS tracking.In this dispute I requested that each CRA verify the validity of two collection accounts listed on my credit report. the collection accounts are owned by XXXX XXXX and XXXX XXXX XXXX first account being in the amount of {$5300.00} and the next in the amount of {$1600.00}. I formally requested that they investigate the accuracy of these collection accounts and provide me with all pertinent information gathered during the verification process. That would entail but is not limited to : XXXX. Verification of the debt amount and its validity.

2. Documentation showing the original creditor and the nature of the debt. 
3. Proof of any agreements or contracts that authorize XXXX XXXX or XXXX XXXX XXXX to collect on behalf of the original creditor. 
4. Any other relevant information related to the account in question. 
Furthermore, I requested that all correspondence regarding this matter be conducted through certified mail with a signed receipt to ensure proper documentation and delivery. I also included in the dispute that under the Fair Credit Reporting Act ( FCRA ), it is my right to request verification of any disputed items on my credit report and I expected a thorough investigation and prompt response within the time frame mandated by law. Each CRA " completed '' their " investigation '' no less than a week and did not conduct a full investigation on these accounts nor was I contacted or sent any feedback in regards to the validation of these said debts. I also have a document directly from one of the reported collection accounts ( XXXX XXXX XXXX ) that has a different account number than the one that is being reported to the credit bureaus and when I called and reported this to XXXX and Experian, it was " investigated '' and still verified as accurate which is in direct violation of consumer law and is subject to a civil action. I have given the CRA 's ample time to do their investigation and nothing was done about it. I want these accounts removed immediately due to the CRA 's violation of reporting inaccurate and damaging information to my credit reports all while reporting it as " verified ''
Product: Credit reporting, credit repair services, or other personal consumer reports

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 You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number ) has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Debt collection

Debt was paid in full on XX/XX/2024 XXXX, I paid the debt with my XXXX XXXX XXXX please see attached and on page XXXX of XXXX XXXX XXXX XXXXXXXX {$630.00}.
Product: Credit reporting or other personal consumer reports

both my savings and my Capital One account were hit with XXXX in charges i made many disputes my XXXX bank called an informed me my account was hit i called capital on i had no luck talking they closed both my accounts and now i can not open another one
Product: Student loan

We have reached out to sallie Mae to lower and remove the co-signer name from the loan account. The payment requirements states the account payment can be up to 12 months or paid for 12 months. This company continues to report inaccurate information as well as refusing to take the co name off when the burrowed has provided paystubs showing hes able to pay the account. This organization failed to work with me and has destroyed my credit in the process while me trying to get my education to advance betterment for my life. This is emotionally and financially stressful for me. I am seeking intervention in this matter. I need removal of the co-signers and reasonable payment plan.
Product: Payday loan, title loan, or personal loan

Originated loan XX/XX/XXXX with InstaLoan ( XXXX XXXX ). I immediately defaulted. Made payment arrangements and started to make payments in XX/XX/XXXX. Defaulted again in XXXX. Vehicle was illegally repossessed by means of breaking entry, trespassing and vandalising property ( local police case was filed same morning ). Recovery agent unhinged and damage my XXXX double gate, traveled inside property over XXXX ft to get vehicle from under car port which is under the roof of house structure. Damaged tiles on floor with lift from tow truck as well. Partially hinged gate back up after he exited property. I paid vehicle off within XXXX hours and they initially waived the {$400.00} recovery fee in lieu of events that transpired inside my property. I was finally able to pick up vehicle on third day and it had considerable damages to the lower front end as well one of the rear rims, the cooling fan to the radiator. I have already repaired the cooling fan to assure that is mechanically worthy ( {$550.00} ). The cosmetic repairs are pending ( another $ XXXX in damages ). All things that delineated upon pick up, including an envelope with {$3200.00} from my client that I perform accounting/HR services for on a weekly basis that was in the driver door. I filed a claim with XXXX XXXX who is there principal recovery service and they had assigned it locally to XXXX XXXX and XXXX. The claim for damages was denied and a complete waste of time. I called to find when I would be receiving my title and they advised it would not be released without me paying the {$400.00} recovery fee that was initially waived or without my signing a XXXX XXXX, which includes a full hold harmless clause in the first XXXX paragraphs. I refused naturally, but yet my account was settled in full. I have not title to my vehicle and certain that after XXXX  days, it will once again put me in a position of default making my vehicle and my property eligible to be target again for a recovery. The recovery agent is case being viewed as XXXX, but the case is being reviewed as the XXXX clearly didn't occur in my property without Breaking Entry, Tresspassing and Burglary to Occupied dwelling.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX  Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Vehicle loan or lease

PenFed {$33000.00} took my original auto contract and changed it without my knowledge. Then they wrote this loan off as a charge off and sent it to collectors knowing the active dispute and fraud they committed was never addressed. Penfed also went into another account of mine and took money to apply to this new forged auto loan which made me delinquent on a smaller secured loan that was almost paid off. I want this Auto Loan removed from collections and closed and removed from my credit report they already got insurance and ruined my credit.

FCRA requires them to prove the validity of this debt and they have yet to do it. Because they know a new auto loan was created and money was moved around to ruin all my accounts.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to delete some of the data on my credit report, but there are still some accounts that need to be removed. The Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be deleted as soon as possible XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account 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 listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$0.00}